MAWISTA
Student Pro

NEW: Private full health insurance for international academics (Bachelors, Masters, PhD)

Keyvisual Mawista Student Pro

MAWISTA
Student Pro

from €86,39 per month

High-quality health insurance for international academics in Germany:

MAWISTA Student Pro

from €86.39 per month

Your stay in Germany

Willkommen bei MAWISTA Student Pro

For international students, being successful in your studies starts with having the right health insurance. MAWISTA Student Pro is a high-quality private full health insurance that is specially tailored to the needs of international students at German universities (Bachelors, Masters, PhD students). The MAWISTA Student Pro tariff is recognised by all immigration authorities and universities.

MAWISTA Student Pro covers medical costs in the case of illness or an accident. You can visit any recognised doctor or dentist or simply get medical advice via video call in over 20 languages. Naturopathy provided by doctors is also included in the tariff.

MAWISTA Student Pro can be applied for either before or during your studies in Germany. The health insurance plan is valid for up to 5 years for studying in Germany. The tariff can be cancelled on a monthly basis, thus providing academics with a high degree of flexibility.

The health insurance plan also offers lots of flexibility outside Germany. The Student Pro tariff offers unlimited coverage in other EU countries, up to four weeks worldwide and even up to 12 weeks in your home country. If you then start your career while here, you can stay insured on a private health insurance tariff for an affordable price.

Note: If you need a visa to travel to Germany, we recommend taking out the MAWISTA Visum plan and switching to the MAWISTA Student Pro tariff once you are in Germany.

Mawista Student Pro

Tariffs at a glance

Insurance period

From 1-60 months
(5 years)

Age limit

From 0 to 99
years of age

Conclusion of contract

In home country or after arrival abroad

Payment method

Monthly/annually via
SEPA direct debit

Cancellation

In writing, 15 days
before the end of the relevant month

Excess

Max. €500 per calendar year

Insured region

Germany, EU and home country

Digital services

Video calls with doctors in over 20 languages

Proof of insurance

Recognised by authorities and universities

Versicherungskarte Hallesche

Discover your insurance card

With the Hallesche insurance card, you can easily prove your identity to your doctor.

The insurance card is included free of charge with all Student Pro tariffs.

Hallesche Card Privatversicherung

Medical consultation

Video consultations

Process

  1. You can easily set up an appointment that suits you using the Hallesche online form. And you can also use this to tell us about what your concerns are. This ensures that you will get to speak to the right specialist.
  2. As soon as we have reserved an appointment for your video call, you’ll receive a confirmation via email with a link to start your Hallesche video consultation.
  3. Once your doctor has joined the conversation, a window will open. Please accept the call and you’ll then see your doctor on the screen.
  4. Take your time with your questions – there is no time limit on the video consultation.

Benefits

Finance and insurance manager

Customer portal & app

Mawista 4u App Hallesche

We offer the popular Hallesche4u app:

Reviews

What our customers have to say

4.6/5
1907 Bewertungen

Decision-making tool

A comparison of tariffs
BG Circles Student Pro
MAWISTA Student Pro Classic 
Keyvisual Mawista Student Pro Premium
MAWISTA Student Pro Premium

General

Outpatient treatment by a physician

Inpatient treatment in a hospital incl. operations

Medicines and dressings

Natural remedies for treatments carried out by doctors

Video consultations

Customer portal & app

Private doctor in hospital (up to maximum rates determined by the fee schedule)

Stays in hospital

Multi-bed room

Individual room

Multi-bed room

€750

€1,500

Maximum amount for naturopathic medicine for treatments by alternative practitioners, osteopaths, etc.

€500

Maximum amount for visual aids every 2 years

€250 

 

Maximum amount for digital health services per year

€60

€120

Outpatient psychotherapy sessions per year

€25

Maximum amount per year
(no excess for teeth)

€500 

€500

Contractual conditions

Teeth

Maximum amount across all service areas in one calendar year

€500 

€1,500

Dental treatment

Dentures/inlays

Orthodontics following an accident

up to 18 years of age

Maximum amount of prophylaxis in one calendar year

€100

Max. reimbursement rate GOÄ/GOZ
(for foreigners in Germany)

3,5

3,5

Health insurance coverage in home country

3 months

3 months

Health insurance coverage in Germany incl. holidays in the EU/Switzerland

60 months

60 months

Monthly contributions

Without private care insurance

for study collegiate, language students & pupils/students at private (business) schools

from €86,39

from €157,90 

Including care insurance

for students (BA, MSc, PhD) at public universities

from €106,25

from €177,76 

You can find the premiums table for different age groups in our table.

Our service

MAWISTA Student Pro offers reliable insurance coverage for your studies for up to 5 years.

Thanks to our quick, expert service, you will receive your contract documents within 24 hours after verification. We know that students need to be flexible, which is why you can pay your premiums monthly and cancel the tariff on a monthly basis.

The insurer

Hallesche private Versicherung

Hallesche Krankenversicherung a. G.
Reinsburgstraße 10
70178 Stuttgart

Frequently asked questions

Questions about the tariff

Tariff
Illness
Bill
Benefit
Application

MAWISTA Student Pro insurance is valid in Germany for up to five years.

The health insurance plan provides coverage within the EU and Switzerland for up to four weeks.

In your home country, coverage is provided for up to 12 weeks.

The premium is an annual contribution that needs to be paid at the start of every insurance year. Alternatively, the premium can be paid monthly.

There is no minimum contract term. The insurance will end after 5 years at the latest.

The contract can be cancelled at the end of any month. Cancellation must be in writing and be submitted to the insurer at least 15 days before the end of the month.

Bei einer kleineren Erkrankung (zum Beispiel einer Grippe, Kopfschmerzen oder kleineren Unfällen) empfehlen wir das Aufsuchen eines Allgemeinarztes in der Nähe. Der behandelnde Arzt kann bei Bedarf an einen Facharzt überweisen. Bei Zahnschmerzen sollte man sich direkt an einen Zahnarzt wenden.

Bei starken Schmerzen, gravierenden Unfällen oder außerhalb ärztlicher Sprechzeiten (zum Beispiel am Wochenende), geht man zu einer Bereitschaftspraxis, die Notdienst hat, oder in ein Krankenhaus. Sollte eine stationäre Behandlung im Krankenhaus nötig sein (wie zum Beispiel aufgrund einer Operation), sollte umgehend der Versicherer kontaktiert werden, um die Details einer direkten Kostenübernahme zu klären. Diese verhindert, dass hohe Kosten auslegt werden müssen.

As soon as your application is approved, you will immediately receive your insurance certificate via email. Our certificate is recognised as a health insurance plan by the immigration authorities and universities/universities of applied sciences.

To help you obtain a residence permit from the immigration authorities, we would be happy to issue special certificates proving your private health insurance coverage on request.

The conditions of insurance described in section 5 outline the cases where there is no or limited insurance cover:

(1) When will the insurer not pay out?

The insurer will not pay out in the following cases:

  • For illnesses and accidents intentionally caused by the insured person and their consequences.
  • Accommodation which is necessary due to the need for nursing care or custody. 
  • Treatment by spouses, life partners, parents or children. Proven material expenses will be reimbursed by the insurer in accordance with the tariff.
  • For bills from persons or from hospitals which the insurer has excluded from reimbursement for important reasons. This applies only if the insurer has notified the insured person of this before the insured event. Otherwise, the Insurer will continue to pay for 3 months from the date on which it notified the insured person.

(2) Does the insurer pay for withdrawal treatment costs?

The insurer does not pay for inpatient and outpatient withdrawal treatment unless this benefit is expressly included in the tariff.

(3) Does the insurer pay benefits in the case of war, civil unrest and terror? 

The insurer does not pay if the insured person is injured due to acts of war in Germany. 

The insurer also does not pay if the insured person is injured outside Germany because they have actively taken part in civil unrest. 

The insurer also does not pay if the insured person is injured outside Germany due to acts of war or terror attacks. However, the insurer will pay if

  • The German Foreign Office has not warned about travel to the destination or
  • only issues a warning for the destination once the insured person is already there and 
  • they leave the area immediately or

are prevented from leaving the area through no fault of their own. This could occur if e.g. the insured person's life is threatened if they leave the area.

(4) Does the insurer pay in the case of a pandemic?

The insurer will pay if the insured person is treated as the result of a pandemic in Germany.

The insurer does not pay if the insured person is treated outside Germany as the result of a pandemic. However, the insurer will pay if

  • The German Foreign Office has not warned about travel to the destination or
  • only issues a warning for the destination once the insured person is already there and they cannot leave the area due to travel restrictions

(5) Does the insurer pay for spa or sanatorium treatments?

The insurer only pays for spa or sanatorium treatments if this is expressly included in the tariff. 

(6) Does the insurer pay for rehabilitation treatment?

The insurer does not pay for rehabilitation treatment. If the treatment is a follow-up treatment, the insurer will pay in accordance with section 5, para. 7. 

(7) Does the insurer pay for follow-up treatments?

The insurer will pay for medically necessary inpatient or outpatient follow-up treatments, provided it has previously agreed to this in writing. 

However, the insured person does not require written agreement for the first 3 weeks of a follow-up treatment if the following conditions are met: 

  • The treatment starts within 28 days of a stay in hospital and
  • the treatment is carried out in a facility that has been recognised by a statutory rehabilitation provider for this treatment.

  • If the insured person cannot start the follow-up treatment within 28 days for medical reasons, they will require the agreement of the insurer. The insurer will grant permission provided this later follow-up treatment is medically necessary. This may, for example, be the case following radiotherapy for treatment of a tumour or if a suitable facility is not available in good time.

    The insured person can apply to us for an extension of the follow-up treatment. The insurer will approve this provided it is medically necessary. 

    If the insured person can claim follow-up treatment from a statutory rehabilitation provider following acute inpatient treatment, they must claim these statutory benefits in the first instance. The insurer will then deduct the benefits offered by the statutory rehabilitation provider from the reimbursement. 

    There are cases in which the insured person could receive statutory rehabilitation treatment, but culpably does not do so. In this case, the insurer deducts the benefit that the statutory provider would have provided had it been claimed from the reimbursement.

(8) In which cases can the insurer reduce the benefit to a reasonable amount?

If a treatment or other measure for which benefits have been agreed exceed what is medically necessary, the insurer may reduce the benefits to a reasonable amount. If the costs for treatment or other benefits are conspicuously out of proportion with the benefits provided, the insurer does not have to provide such benefits.

(9) What happens when several payers are involved?

If the insured person can claim from another cost bearer, they must do so to the full extent possible first of all. The insurer will deduct these benefits from the reimbursement. If the insured person has claims against more than one payer as the result of the same insurance event, they will not receive more than the actual costs incurred as a total benefit.

Original bills are required. They must contain the following information:

  • The first name and surname of the person treated
  • The names of the illnesses (diagnosis)
  • Dates of treatment and
  • Details on individual services provided by the treating physician or codes from the fee schedules
  • For hospital bills, we must also be able to identify
  • Which optional benefits the insured person has used, which should be invoiced separately by the hospital
  • or which class of care they have used

If the costs are incurred in a foreign currency, we will convert them into euros. We use the current exchange rates for the day on which we receive the receipts. The exchange rate is the official euro exchange rate of the European Central Bank or the exchange rate of the Deutsche Bundesbank. If the insured person proves by means of a bank receipt that they purchased the foreign currency at a higher price, this rate shall apply.

The costs will be paid to the insured person. They must transfer the money to the doctor or hospital by the deadline indicated on the bill.

The MAWISTA Student Pro tariff offers a so-called entitlement to benefits. This means that you can continue to be a private full health insurance member even once your tariff has expired. The entitlement to benefits means you can enjoy particularly favourable conditions without having to undergo a new health checkup.

MAWISTA Student Pro

Interested in other tariffs that may suit you?

The product finder will show you all the health insurance plans available to you as an international student