Benefits

GERMAN STUDENT INSURANCE offers insurance combinations which are tailored to your needs, depending on your age and your purpose of stay .

Language students, intern, doctoral students and university students before the beginning of their subject-related studies

Students who have not started their subject-related studies, yet, cannot take out public health insurance. The private health insurance EDUCARE24 provides comprehensive cover for language students and students before the beginning of their first subject-related semester. EDUCARE24 can be taken out in various insurance combinations (S, M, L, XL), so it is tailored to your individual needs.

EDUCARE24
S(Small)
M(Medium)
L(Large)
XL(Extra large)
Travel health insurance
Outpatient medical treatment
Inpatient medical treatment including operations
Provision with medicine, dressing material and medical appliances
Provision with remedies
up to €250*
up to €250*
up to €250*
up to €250*
Medically necessary rehabilitation measures (subsequent to a medical treatment)
Examination and treatment due to pregnancy and childbirth
Medically necessary transport of patients for purposes of inpatient treatment
Preventive measures within the framework of statutory programs**
Health check-ups and pediatric examinations within the framework of statutory programs**
Protective vaccination and dental prophylaxis**
Medically necessary and prescribed return transport of an ill insured person from abroad to his/her home country
Noncontributory extension of insurance coverage up to 90 days if the stay must be extended for medical reasons
Repatriation of the mortal remains of the insured person or burial costs in case of death
Fees for treatment and cost plans
Health insurance without deductible
Free service number 0800 678 2222
Direct billings with physicians and hospitals
Treatment of mental illness (also inpatient), except for psychoanalysis and psychotherapy
Dental treatment for pain relief
up to €500*
up to €500*
Repair of existing dentures
up to €200*
up to €200*
Simple dentures due to an accident
up to €2,000*
up to €2,000*
Maximum rate of the German fee schedule GOÄ
2.3
2.3
2.3
2.3
Maximum rate of the German fee schedule GOZ
2.3
2.3
2.3
2.3
Personal liability insurance
Bodily injuries and property damage
€1,000,000
€1,000,000
€1,000,000
Damage to the immovable property of a host family (deductible: €250). (Damage to the movable property of the host family is not covered.)
€1,000,000
€1,000,000
€1,000,000
Damage to rented property
€100,000
€100,000
€100,000
Accident insurance
Accidental death benefit
€5,000
€5,000
€5,000
Benefit in case of 100% accidental disability
€105,000
€105,000
€105,000
Disability benefit
€30,000
€30,000
€30,000
Progression (increase in the sum insured in proportion to the degree of disability)
350%
350%
350%
Rescue costs
€3,000
€3,000
€3,000
Plastic surgery as a result of an accident
€3,000
€3,000
€3,000
Deportation costs insurance
Noncontributory extended liability in case of an ordered deportation
€4,000
€4,000
€4,000
Monthly premium
People up to 39 years
€33.00
€37.00
€41.00
€59.00
as of month 19
€50.00
€54.00
€59.00
€85.00
People up to 69 years
€54.00
€58.00
€69.00
€83.00
as of month 19
€110.00
€114.00
€120.00
€130.00
* during the entire insurance period
** The overall benefits for all entries marked with two asterisks are limited to €500 per insurance year.

You will find a full description of benefits and benefit exclusions in the General Insurance Conditions (German).

Students up to age 29

EDUCARE24 S is the private health insurance for students from abroad up to the age of 29 before the beginning of their subject-related studies. You will be comprehensively covered by the student insurance of Techniker Krankenkasse (TK) during your studies.

Benefits TK public health insurance

TK student insurance fulfills all requirements prescribed for a German public health insurance by the legislator. Among others, this includes:

  • Direct billing with physicians and hospitals without advance payment
  • Medical, dental and psychotherapeutic treatment
  • Treatments for the preventive recognition of diseases
  • Treatment in order to prevent and alleviate diseases as well as contraception and termination of pregnancy
  • Provision with medicine, dressing material and medical appliances
  • Treatment of pre-existing illnesses
  • Inpatient medical treatment without temporal restrictions
  • Treatment of spouse and children
  • Easy extension of contract in case of the necessity to study for some more semesters

TK public health insurance offers much more than the legally prescribed minimum care. TK will also cover the costs for homeopathic treatments, travel vaccinations and sports-medical examinations. You will find more details in the TK Infosheet.

Benefits EDUCARE24 S

We have compiled the most important benefits of EDUCARE24 S for you in the overview of benefits. You will find a full description of benefits and benefit exclusions in the General Insurance Conditions (German).

Students from the age of 30

EDUCARE24 XL is the private health insurance for students from abroad aged 30 or older. EDUCARE24 XL provides cover for the complete duration of the stay.

EDUCARE24
XL(Extra large)
Travel health insurance
Outpatient medical treatment
Inpatient medical treatment including operations
Provision with medicine, dressing material and medical appliances
Provision with remedies
up to €250*
Medically necessary rehabilitation measures (subsequent to a medical treatment)
Examination and treatment due to pregnancy and childbirth
Medically necessary transport of patients for purposes of inpatient treatment
Preventive measures within the framework of public programs**
Health check-ups and pediatric examinations within the framework of public programs**
Protective vaccination and dental prophylaxis**
Medically necessary and prescribed return transport of an ill insured person from abroad to his/her home country
Noncontributory extension of insurance coverage up to 90 days if the stay must be extended for medical reasons
Repatriation of the mortal remains of the insured person or burial costs in case of death
Fees for treatment and cost plans
Health insurance without deductible
Free service number 0800 678 2222
Direct billings with physicians and hospitals
Treatment of mental illness (also inpatient), except for psychoanalysis and psychotherapy
Dental treatment for pain relief
Repair of existing dentures
up to €200*
Simple dentures due to an accident
up to €2,000*
Maximum rate of the German fee schedule GOÄ
2.3
Maximum rate of the German fee schedule GOZ
2.3
Personal liability insurance
Bodily injuries and property damage
€1,000,000
Damage to the immovable property of a host family (deductible: € 250). (Damage to the movable property of the host family is not covered.)
€1,000,000
Damage to rented property
€100,000
Accident insurance
Accidental death benefit
€5,000
Benefit in case of 100% accidental disability
€105,000
Disability benefit
€30,000
Progression (increase in the sum insured in proportion to the degree of disability)
350%
Rescue costs
€3,000
Plastic surgery as a result of an accident
€3,000
Deportation costs insurance
Noncontributory extended liability in case of an ordered deportation
€4,000
Monthly premium
People up to 39 years
€59.00
as of month 19
€85.00
People up to 69 years
€83.00
as of month 19
€130.00
* during the entire insurance period
** The overall benefits for all entries marked with two asterisks are limited to €500 per insurance year.

You will find a full description of benefits and benefit exclusions in the General Insurance Conditions (German).

Consulting tool of the GERMAN STUDENT INSURANCE

Why not just have look at our consulting tool? At the end of the needs assessment, we will present you your ideal insurance combination, consisting of private and public health insurance. If our offer appeals to you, you can immediately apply for insurance.

Do you require advice?
If you have any questions,
feel free to contact us:

Phone +49 (0) 2247 9194 -996

Mon-Fri: 8 am to 6 pm