PRIVATE HEALTH INSURANCE
Private Health Insurance for university and language students in Germany
When thinking about studying 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 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 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
MAWISTA insurance card
Your advantages at a glance
The innovative insurance card included in the Student Comfort 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® |
Student 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 | ✓ | ✓ |
| Pregnancy, childbirth and their implications | 8 month waiting period | ✓ |
| Health insurance card | – | ✓ |
| Medical treatment (e.g. massages) per insurance year | 6 | 8 |
| Medical aids related to an accident (without visual aids) per insurance year | € 250.00 | € 1,000.00 |
| Pain-killing dental treatment per insurance year | € 500.00 | € 1,000.00 |
| Repatriation and funeral costs to the home country | € 25,000.00 | € 25,000.00 |
| Liability insurance for damage to rented property | – | € 250,000.00 |
| Liability insurance for personal injury | – | € 1,000,000.00 |
| Accident insurance in case of disability | – | € 140,000.00 |
| Accident insurance for rescue costs | – | € 5,000.00 |
| Dental prostheses 60% the costs per insurance year | – | € 1,000.00 |
| Vaccinations (e.g. COVID-19, flu, tetanus, HPV) | – | € 250.00 |
| Accident related visual aids (e.g. spectacles) 3 month waiting time | – | € 100.00 |
| Costs/ Deductible per insurance case (max. €250 per calendar year) | 20% | 10% |
| 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 | |
| ✓ Pregnancy, childbirth and their implications (8 month waiting period) | |
| ✓ 6 medical treatment (e.g. massages) | |
| ✓ 250 € medical aids related to an accident (without visual aids) | |
| ✓ 500 € pain-killing dental treatment, repairs of dentures and provisional measures | |
| ✓ 25,000 € repatriation and funeral costs to the home country | |
| ✓ 20% costs/ deductible per insurance case (max. €250 per calendar year) | |
| Student Comfort® |
|
|---|---|
| ✓ Pregnancy, childbirth and their implications without waiting period | |
| ✓ Health insurance card | |
| ✓ 8 medical treatments (e.g. massages) per insurance year | |
| ✓ 1,000 € medical aids related to the accident (without visual aids) per insurance year | |
| ✓ 1,000 € pain-killing dental treatment per insurance year | |
| ✓ 5,000 € accident insurance for rescue costs | |
| ✓ 140,000 € accident insurance in case of disability | |
| ✓ 250,000 € liability insurance for damage to rented property | |
| ✓ 1,000,000 liability insurance for personal injury | |
| ✓ 60% up to 1,000 € dental prostheses | |
| ✓ 250 € vaccinations (e.g. COVID-19, flu, tetanus, HPV) | |
| ✓ 100 € accident related visual aids (e.g. spectacles) 3 month waiting time | |
| ✓ 10% costs/ deductible per insurance case (max. €250 per calendar year) | |
Monthly Rates
Student Classic® |
Student Comfort® |
|
|---|---|---|
| Premiums for persons aged 18 to 29 years | € 25.00 | € 60.00 |
| Premiums for persons aged 30 to 39 years | € 38.00 | € 89.00 |
| Student Classic® | |
|---|---|
| Premiums for persons aged 18 to 29 years € 25.00 |
|
| Premiums for persons aged 30 to 39 years € 60.00 |
|
| Student Comfort® | |
|---|---|
| Premiums for people between 18 and 29 years of age € 38.00 |
|
| Premiums for people from 30 up to 39 years of age € 89.00 |
|
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”.