Health cover that keeps your plans moving.
MAWISTA Student provides affordable, visa-compliant private health insurance with flexible monthly cancellation — perfect for language students, Studienkolleg, university degrees, and PhD researchers.
Visa-Compliant
Accepted by the Ausländerbehörde for your student visa and residence permit renewals.
Instant Certificate
Receive your insurance certificate by email immediately after booking — ready for your visa appointment.
Up to 5 Years
Coverage valid for up to 5 years of study with no need to renew annually.
Cancel Monthly
Cancel at the end of any month by email or letter — no long-term lock-in required.
Choose Your Plan
Three tiers designed to match the needs of every international student — from essential coverage to a comprehensive all-round package.
Student Classic
EssentialBudget-friendly entry-level plan. Covers all medically necessary treatments with a small annual deductible.
Age 18–29 · €0 deductible
- Outpatient & inpatient medical care
- Prescription drugs fully covered
- Dental pain relief covered
- Medical repatriation covered
- Schengen & student visa compliant
Classic Plus
RecommendedEverything in Classic plus personal liability & accident insurance — required by many German universities.
Age 18–29 · €50 deductible
- All Classic benefits included
- Personal liability insurance (€1M+)
- Accident insurance included
- Dental pain relief covered
- Accepted for university enrollment
Student Comfort
PremiumThe most comprehensive plan — includes pregnancy coverage from day one, home visits, and key loss insurance.
Age 18–29 · €150 deductible
- All Classic Plus benefits included
- Pregnancy covered from day one (no waiting period)
- Home doctor visits (up to 6 weeks/year)
- Key loss insurance included
- Highest benefit limits of all plans
Detailed Plan Comparison
All benefits across Classic, Classic Plus, and Comfort plans — directly sourced from official MAWISTA policy documents.
| Benefits & Coverage | Classic | Classic Plus ⭐ | Comfort |
|---|---|---|---|
| General Overview | |||
| Monthly Price (Age 18–29) | €28.00 / month | €36.00 / month | €74.00 / month |
| Annual Deductible | €0 (no deductible) | €50 / year | €150 / year |
| Maximum Coverage Duration | Up to 5 years | Up to 5 years | Up to 5 years |
| Contract Flexibility | Cancel monthly via email/letter | Cancel monthly via email/letter | Cancel monthly via email/letter |
| Target Group | Language students, Studienkolleg, researchers | University & Studienkolleg students | Students needing premium cover |
| Visa / Permit Compliant | |||
| Instant PDF Certificate by Email | |||
| Medical Treatment | |||
| Outpatient Doctor Treatment | 100% covered | 100% covered | 100% covered |
| Inpatient Hospitalization | 100% (shared ward) | 100% (shared ward) | 100% (shared ward) |
| Prescription Medications | 100% covered | 100% covered | 100% covered |
| Emergency Transport to Hospital | 100% covered | 100% covered | 100% covered |
| Medical Repatriation | |||
| Repatriation of Remains | |||
| Home Doctor Visits | – | – | Up to 6 weeks/year |
| Specialist Referrals | |||
| Medical Aids & Appliances | 80% covered (up to plan limit) | 80% covered (up to plan limit) | 90% covered (higher limit) |
| Pregnancy & Childbirth | Acute complications only | Acute complications only | Fully covered from day one (no waiting period) |
| Psychotherapy | Emergency sessions only | Emergency sessions only | Up to 30 sessions/year |
| Dental Treatment | |||
| Dental Pain Relief | |||
| Simple Fillings | |||
| Dentures (accident-related) | Up to €250 | Up to €500 | Up to €1,000 |
| Orthodontics / Braces | – | – | Emergency only |
| Liability & Accident Insurance | |||
| Personal Liability Insurance | – | ||
| Liability Coverage Limit | – | €1,000,000+ | €1,000,000+ |
| Accident Insurance Included | – | ||
| Key Loss Insurance | – | – | |
| Contract & Administration | |||
| Embassy Rejection — Full Refund | |||
| Coverage Area | Germany, EU, Schengen zone | Germany, EU, Schengen zone | Germany, EU, Schengen zone |
| 24/7 Emergency Hotline | |||
| Authority Certificate (Behörden) | |||
| Ready to apply? | Apply Classic | Apply Classic Plus | Apply Comfort |