PRIVATE HEALTH INSURANCE
Private Health Insurance for university, language students and job seekers in Germany
When thinking about studying or working in Germany, it is important to have full insurance coverage. Health insurance protects you against high costs arising from an unexpected illness or accident. With the MAWISTA Student and MAWISTA Expatcare insurance included in the Fintiba Plus package, you are fully covered for your stay. Find out more about which tariff suits your needs.
Who is eligible?
The health insurance covers treatment by a doctor and in the hospital as well as medication prescribed by the doctor.
MAWISTA Student and MAWISTA Expatcare can be taken out before or during the study stay in Germany.
The health insurance cover applies to Germany and temporary visits (e.g. holidays) to the countries of the European Union as well as Switzerland, Liechtenstein, Norway, Great Britain and Iceland.
✓ Post-doctoral researchers
✓ Foreign exchange students
✓ Trainees, Work & Travel
✓ Accompanying family members
✓ Participants in exchange programmes
✓ Graduates searching for a job in Germany
✓ Digital nomads
MAWISTA Expatcare
insurance card
Your advantages at a glance
The innovative insurance card included in the MAWISTA Expatcare tariff from our partner MAWISTA makes your life easier. You can use it as proof of identity when consulting a doctor.
- Simply authenticate with the doctor
- Emergency phone number incl. 24/7 availability
Insurance Coverage
When registering for the Fintiba Plus package, you have the option to choose between these two private health insurance tariff options if not eligible for statutory health insurance.
Student Classic® |
Expatcare Comfort® |
|
|---|---|---|
| 24/7 medical assistance | ✓ | ✓ |
| Outpatient treatment by a physician | ✓ | ✓ |
| Inpatient treatment in a hospital, including surgeries | ✓ | ✓ |
| Transportation to the nearest suitable hospital | ✓ | ✓ |
| Medication prescribed by a physician | ✓ | ✓ |
| Up to 10 therapeutic treatments (e.g. massages) per year | – | ✓ |
| Health insurance card | – | ✓ |
| Dental treatment per insurance year | – | up to € 1,000 |
| Screening examinations for the early detection of cancer | – | ✓ |
| Repatriation and funeral costs to the home country | € 25,000.00 | € 25,000.00 |
| Costs/ Deductible per insurance case | 20% | – |
| Terms and conditions |
| Student Classic® |
|
|---|---|
| ✓ 24/7 medical assistance | |
| ✓ Outpatient treatment by a physician | |
| ✓ Inpatient treatment in a hospital, including surgeries | |
| ✓ Transportation to the nearest suitable hospital | |
| ✓ Medication prescribed by a physician | |
| – Up to 10 therapeutic treatments (e.g. massages) per year | |
| – Health Insurance Card | |
| – Dental treatment per insurance year | |
| – Screening examinations for the early detection of cancer | |
| ✓ 25,000 € repatriation and funeral costs to the home country | |
| ✓ 20% costs/ deductible per insurance case (max. €250 per calendar year) | |
| Expatcare Comfort® |
|
|---|---|
| ✓ 24/7 medical assistance | |
| ✓ Health insurance card | |
| ✓ Up to 10 therapeutic treatments (e.g. massages) per insurance year | |
| ✓ 1,000 € Dental treatment per insurance year | |
| ✓ Screening examination for the early detection of cancer | |
| ✓ Inpatient treatment in hospital, including surgeries | |
| ✓ Outpatient treatment by a physician | |
| ✓ Medication prescribed by a physician | |
| ✓ 25,000 € repatriation and funeral costs to the home country | |
| ✓ No deductible per insurance case | |
Monthly Rates
Student Classic® |
Expatcare Comfort® |
|
|---|---|---|
| Premiums for persons aged up to 40 years | € 25.00 | € 89.00 |
| Premiums for persons aged 41 up to 55 years | - | € 109.00 |
| Student Classic® | |
|---|---|
| Premiums for persons aged 18 to 29 years € 25.00 |
|
| Premiums for persons aged 30 to 39 years € 38.00 |
|
| Expatcare Comfort® | |
|---|---|
| Premiums for people between up to 40 years of age € 89.00 |
|
| Premiums for people from 41 up to 55 years of age € 109.00 |
|
The Corona pandemic has triggered many students to review their own requirements and current coverage of their health insurance. Many students want to ensure that they take care of the relevant eventualities during their stay in Germany. This entails planning how to care for vaccinations against COVID-19.
Although the vaccination in vaccination centres is currently still free of charge for everyone with German health insurance or a German residence permit, in the future you will need health insurance for the vaccination at your GP, which also covers the costs for vaccinations.
More information can be found in our Blog article “All you need to know about the COVID-19 vaccination in Germany”.