Health Insurance for those studying abroad, language students, internship students and guest scientists in Germany
Target group
Important
Premiums
Benefits
In case of unexpected illness or an accident, a health insurance policy protects you from incalculably high medical costs. The health insurance covers the treatment by a physician and in hospital as well as the medications prescribed by the physician.
In Germany health insurance is required by law. The health insurance MAWISTA Student has been developed for foreigners who are staying in Germany for a limited period of time for educational and professional training purposes. MAWISTA Student is a premium-quality health insurance that is recognized by the German immigration authorities as sufficient health insurance coverage for the temporary residence permit in Germany.
MAWISTA Student can be obtained before or during the educational stay in Germany. The health coverage applies to Germany and temporary visits (e.g. vacation) to the states of the European Union, along with Switzerland, Liechtenstein, Norway and Iceland.
Who is entitled?
The health insurance MAWISTA Student was created for foreigners who are temporarily staying in Germany and is suitable for the following groups of persons:- Foreign exchange students, language students and students participating in university preparatory courses (Studienkolleg)
- University students
- Participants in exchange programmes (e.g. ERASMUS, DAAD, SOKRATES)
- Post-doctoral researchers, PhDs and guest scientists
- Trainees
- Work & Travel
- Accompanying family members
- Graduates who are searching for a job in Germany after completing their university studies (see the Student Comfort rate, according to section 16 (5) of the Aufenthaltsgesetz (German Residency Law)
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MAWISTA Student at a glance
- Insurance duration: 1 to 48 months (4 years)
- Maximum entry age: 55 years
- Excess: The insured services are paid 100% by the insurer (with the exception of maximum limits for special services such as glasses or dental prostheses)
- Proof of insurance: MAWISTA Student is recognised by official authorities for granting a temporary residency permit in Germany
- Insured region: Germany and the states of the EU, as well as Switzerland, Liechtenstein, Norway and Iceland (if these countries are not the country of origin or the standard place of residency)
- Contract conclusion: In the home country or during the stay in Germany
- Payment method: monthly, via direct debit or credit card
- Notice of termination: at the end of each month via e-mail or letter
- Extension: at any time before the expiration via telephone, e-mail or letter
Note: An insurance application may be denied. This is why it is recommended to apply for the maximum insurance duration right from the start. This way you will continue to have health coverage if you stay longer than planned in Germany. At the same time, you can enjoy maximum flexibility because you can terminate your contract early at the end of each month.
Our service
MAWISTA Student offers you for a duration of up to 4 years reliable insurance coverage with an excellent price-performance ratio. Thanks to our quick and competent service, after the verification you will receive your contract documents within 24 hours. We know that students have to remain flexible, this is why you pay your premium monthly and can cancel your insurance by the end of the month at any time, if required.If you have questions about the MAWISTA Student international health insurance, our staff will be glad to assist you in person, via telephone or live chat. In case of claims, our emergency hotline is available 24 hours a day so that you can feel well-provided for in all locations.
The insurer
AWP P&C S.A. Niederlassung für Deutschland Bahnhofstr. 16 85609 Aschheim (bei München)
Our rates
The premiums for MAWISTA Student are due monthly. You decide how you wish to pay: via SEPA direct debit or credit card.
Premiums for people from 41 years up to 55 years of ageInsurance period Student
Classic®Student
Classic® plusStudent
Comfort®1st to 12th month
per month up to 40 years33.10 € 37.20 € 58.90 € from 13th to 48th month
per month up to 40 years56.70 € 60.80 € 63.70 € Insurance period Student
Classic®Student
Classic® plusStudent
Comfort®1st to 12th month
per month69.90 € 74.90 € 119.90 € 13th to 48th month
per month114.00 € 119.00 € 124.00 € Insurance benefits
MAWISTA Student assumes medical treatment for acute illnesses and accidents that occur after the start of the insurance coverage. To give you an informative insight into the rate options of the MAWISTA Student health insurance, we present you an overview of all packages below.
What to observe in case of illnessWhen you sign up for the MAWISTA Student health insurance your insurance documents include a treatment slip. You must present the treatment slip to the physician or hospital prior to the treatment in Germany. You do not need the treatment slip outside Germany.Reimbursement of invoicesIn case of acute illness or accident you can choose your physician or hospital. For general illnesses such as influenza, headaches or minor accidents we recommend you visit a general practitioner. Your attending physician can refer you to a specialist, if required. In case of toothache, contact a dentist directly.
In case of severe pain or major accidents outside of regular physician`s hours (e.g. at the weekend) please head directly to a hospital.
Please contact us directly should stationary treatment at the hospital be required (e.g. operation). The staff of the emergency hotline will coordinate the assumption of the costs with the hospital directly. This offers you the advantage of not having to first pay high hospital costs yourself as the insurer pays the hospital directly.
You can reach our emergency hotline staff around the clock:
Telephone +49 89 624 24 – 496
Fax +49 89 624 24 – 246
E-mail mawista-schaden@allianz.comYour physician or hospital will present you with an invoice for visits without overnight stays (out-patient treatment). You must transfer the payment to the attending physician or the hospital. Cash payment is only requested in rare cases.This is how our liability insurance functionsIn order for you to receive quick reimbursement from the insurance company, you need to supply us with the following information:
- Your name
- Your insurance number
- Treatment data from the physician (incl. diagnosis)
- Medical services + overview of costs
- If applicable, prescriptions (with medication, price and stamp of the pharmacy) prescribed the physician
A liability insurance pays the costs of damage you cause unintentionally in your daily life. This includes damage to property (damage or destruction of objects) and personal damage (damage of health, injury or death of third parties). For property damage the insured amount is up to EUR 1,000,000 per person and up to EUR 250,000 for damage to rented property.Limitations of the health insurance for studentsMishaps can happen any time. This is why we recommend that each customer also signs up for liability insurance in addition to the health insurance. Liability insurance is included in the products MAWISTA Student Classic Plus and MAWISTA Student Comfort. For detailed information see the general insurance conditions for the rates MAWISTA Student Classic Plus and MAWISTA Student Comfort.
For claims we strongly recommend noting the names and addresses of witnesses. Please also avoid acknowledging the liability for damage at the location of the accident. This can lead to a loss of insurance coverage as the examination of the circumstances is the duty of the insurer. For further processing we require a damage report with all available information and documents:
- Description of the event
- Names and addresses of witnesses
- Police reports
- Photos
- Invoices
- Curative treatments and other medically prescribed measures that are the cause for staying in the agreed area of application
- Curative treatments and other medically prescribed measures whose necessity was known to the insured person before their stay in the agreed application area or at the time of conclusion of the contract or which the person could have expected based on the circumstances known to him/her
- Any type of preventive medical examination or control examination, vaccination as well as nutriments or restorative remedies
- Orthodontic treatment or dental treatment beyond pain-relieving treatment, repair of dentures and transitional prostheses. Dental prostheses, inlays (only in the Student Comfort rate)
- Termination of pregnancy, pregnancy that began before the start of the insurance. For subsequent pregnancies there is an 8-month waiting period before the assumption of costs
- Treatment of alcohol, drug or other addictions
- Treatment of mental or psychological disturbances as well as hypnosis and psychotherapy
- Fees and dues that exceed the scope considered standard and appropriate in the concerned country, as well as elective services such as single rooms or treatment by the head physician.
- Illnesses and results of accidents for whose treatment the international journey has been undertaken as well as treatments of which it was known that they must be carried out during the planned journey and treatment of illnesses and results of accidents that were already present before the start of the contract
- Examinations required for the issuing of confirmations and expert opinions required for receiving residence authorisation
Legally binding are the conditions of insurance of the Allianz Worldwide Partners, München. Download the terms and conditions MAWISTA Student Classic / Student Classic Plus or Student Comfort.
Frequently asked questions / FAQs
General information about the German health insurance system for studentsAs a welfare state, Germany aims to have comprehensive primary health care for the entire population. One of the pillars of this philosophy is the German healthcare system. This includes both statutory and private health insurance. Different groups of persons in Germany are subject to compulsory health insurance. This includes all students enrolled in state-run or state-recognized institutions of higher education under the age of 30. At the beginning of their studies, students are allocated to a statutory health insurance company. From the time of enrolment students have three months to decide whether they want to be insured via statutory health insurance (GKV) or a private health insurance (PKV). This decision is binding and cannot be reversed for the duration of the enrolment. Those who opt for private health insurance can be relieved from the health insurance obligation. However, we recommend that all interested persons who are already insured with a statutory health insurance to remain insured in the statutory health insurance. There are some groups of persons who are not eligible for statutory health insurance and must therefore obtain private health insurance. These include:How do the MAWISTA Student and MAWISTA Science rates differ?- Language students who are not yet enrolled as students in a university or university of applied sciences
- Students over 30 years of age
- Students above the 14th semester of study
- (in many cases) trainees and visiting scientists
Essentially, the two offers differ in the duration of the insurance and the application area in which the coverage is valid. In terms of the application area, MAWISTA Science offers the advantage of offering worldwide coverage for foreigners in Germany and it even covers up to 6 weeks in their home countries. This way, it covers also the medical costs for illness or accidents during short-term visits to their home country (the insurance coverage does not cover persons from countries with embargos or sanctions). MAWISTA Student can be concluded for a period of up to four years. With MAWISTA science, uninterrupted coverage of up to five years is possible. Note: Find out more about the precise Differences between the two rates MAWISTA Student and MAWISTA Science.How long does it take to process my application and how quickly can I obtain the certificate of insurance?The fastest way for you to receive your insurance documents is if you choose e-mail as the mode of dispatch in the insurance application. You will receive a reply of whether your application has been approved within 24 hours. If we have accepted your application, the legally valid insurance policy is attached to the e-mail. You can also request the insurance policy via post. After your information has been successfully checked, we send out your MAWISTA insurance policy on the same day. In general the insurance policy will reach you within 2 days.I am coming to Germany as a language student and want to then enrol at the university. What is the suitable insurance for me?Language students require private health insurance for the duration of the language course. Our packages MAWISTA Student or MAWISTA Science are best suited for this purpose (Comparison of MAWISTA Student vs. MAWISTA Science). Both health insurances fulfil the requirements of immigration authorities. As soon as you enrol at a German university, you will be insured by a statutory health insurance. Alternatively, within three months after enrolment you have the option to be relieved of the statutory health insurance obligation and continue to be insured by MAWISTA. Please note that if you decide on a private health insurance the decision will apply for the entire duration of your studies and cannot be revoked. We generally recommend that all interested persons who are already insured with a statutory health insurance to remain insured in the statutory health insurance. Our staff will be glad to provide you with additional information about this topic.Will I receive proof of my MAWISTA health insurance to present to the immigration authority or to the university?Yes, we will provide you with a confirmation of your insurance as soon as your application is approved. Our confirmation is recognised by the immigration authorities and universities/universities of applied sciences as proof of health insurance. Usually it is enough if you present a copy to the immigration authority or university.Can I also obtain insurance from you if I have been in Germany for a while?Yes, you can obtain insurance from us if you are enrolled in university in Germany and are not residing longer than five years in Germany or if the entire insurance duration is no longer than five years.I would like to change my health insurance. How can I obtain insurance from you?You can switch to MAWISTA if you are an international language student, university student or visiting scientist with a temporary residency permit in Germany. Please first clarify the cancellation deadlines with your previous health insurance and make sure that you do not have double insurance. Then you can apply for the desired insurance protection online. Our staff will be glad to inform you about a suitable MAWISTA follow-up contract.What insurance duration should I select when I do not exactly know yet how long I will be staying in Germany?We recommend that you apply for the maximum insurance duration as a subsequent application for extension may be rejected. With a longer duration you will also continue to have health coverage if you stay longer than planned in Germany. If you decide to leave early you can cancel your insurance contract at any time without stating reasons at the end of each month.My family wants to join me in Germany, can you offer me a 'family insurance plan'?If you are already insured by MAWISTA, then family members can sign up for our MAWISTA Visa or MAWISTA student product. Each family member must sign up for the insurance product separately. We do not offer family insurance.Does the insurance cover countries other than Germany?Your MAWISTA insurance protection covers Germany mainly as well as temporary stays (e.g. vacations) in all EU countries as well as Norway, Iceland, Switzerland and Liechtenstein.Do I have to pay medical costs myself (and is there co-payment)?Your physician or hospital will present you with an invoice for visits without overnight stays (out-patient treatment). You must transfer the payment to the attending physician or the hospital. Cash payment is only requested in rare cases. If you must stay at the hospital as an in-patient (i.e. overnight) please inform the emergency hotline of the insurance company immediately. The emergency hotline will coordinate the details of assumption of the costs with the hospital directly. This offers you the advantage of not having to first pay high hospital costs yourself as the insurer pays the hospital directly. You can reach our emergency hotline staff around the clock:What does 'waiting period' mean and is there a standard waiting period?- Telephone +49 89 624 24 – 496
- Fax +49 89 624 24 – 246
- E-mail mawista-schaden@allianz.com
- Your name
- Your insurance number
- Treatment data from the physician (incl. diagnosis)
- Medical services + overview of costs
- If applicable, prescriptions (with medication, price and stamp of the pharmacy) prescribed the physician
“Waiting period” denotes the time after the contract has been concluded in which there is still no insurance coverage. Most services of MAWISTA Student are not subject to a waiting period. The only exceptions are pregnancy treatments and delivery as well as dental prostheses. For both these cases there is a waiting period of 8 months after the beginning of the contract. Example: If the insurance begins on 1 January, then the costs incurred within the first 8 months for pregnancy examinations and treatments as well as delivery are not reimbursable. In this case, the costs of pregnancy examinations and treatments as well as delivery would only be assumed from 1 September.