German Health Insurance for PhD Students and Scholarship Holders
Accepted by German Embassies and Universities
For PhD Students, CSC Scholars, Language Course Students and Preparatory Course Students.
✅ From only €42/month
✅ Liability Insurance Included
✅ Apply First, Pay Later
✅ Policy Issued Within Hours
✅ Suitable for Visa Applications
Apply Now. Pay After Visa Approval.
📄 Instant Insurance Certificate
🛂 Visa Application Ready
💳 Activate Later Online
🛡️ Coverage Protected for the First 30 Days After Arrival
With S14 Insurance, the process is much easier:
1. Apply Online
Complete your application in just a few minutes.
2. Receive Your Insurance Certificate Immediately
After submitting your application, you will receive the insurance certificate PDF required for your German visa application.
3. Use It for Your Visa Application
The certificate can be submitted directly to the German embassy or immigration authorities.
4. Activate Your Insurance After Visa Approval
Once your visa has been approved, simply activate your insurance online by providing your German bank account details.
5. Protected From Day One in Germany
Even if your insurance has not yet been activated, you can still submit eligible claims after activation, provided the insured event occurred within the first 30 days after your arrival in Germany.
S14 vs Other Student Insurance Options
| Feature | S14 | Typical Private Insurance |
|---|---|---|
| Health Insurance | ✅ | ✅ |
| Liability Insurance Included | ✅ | ❌ |
| Visa Application Suitable | ✅ | ✅ |
| Fast Policy Issuance | ✅ | Varies |
| Apply Before Payment | ✅ | Usually No |
| Designed for Scholarship Students | ✅ | Limited |
Eligibility
- German language students and pre-university students
- PHD students, exchange scholars, exchange students, or scholarship recipients under the age of 35
- College students aged 30 or older have the option to switch to the more affordable Care College coverage
- Students aged 12 and older studying at any school in Germany
Premium S14 Insurance
|
Time
|
Health Insurance
|
personal liability insurance
|
Summer
|
|---|---|---|---|
|
1- 36 Month |
40.16 €/Month |
1.84 €/Month |
42 €/Month |
|
from 37 - 60 Month |
45.16 €/Month |
1.84 €/Month |
47 €/Month |
S14 Insurance Coverage
|
Benefits
|
S14 Insurance
|
|---|---|
|
Prescribed medications and remedies |
|
|
Hospitalization |
|
|
Doctor-prescribed aids after an accident, basic version, up to €250 |
|
|
Pregnancy examinations and treatments; childbirth (after the waiting period) |
|
|
Pain-relieving dental treatment, including basic fillings |
750 € / police year |
|
Repair of existing dental prostheses, up to €250 after an 8-month waiting period |
|
|
Cost of assistive devices required as a result of an accident |
up to 250€/ police year |
|
Medically necessary return transport to home country |
up to 25,000€ |
|
Costs of transportation and burial of remains |
up to 10000€ |
|
No deductible |
|
|
Direct billing with doctors, clinics, etc., through treatment certificates |
|
|
Third party liability insurance up to 1 million Euro (maximum deductible 500 Euro) |
|
For detailed terms and conditions and scope of the insurance, please read the German language regulations for insurance.pdf
Benefits of S14 Insurance
Wide coverage
S14 provides comprehensive coverage similar to CARE COLLEGE insurance, including both medical and accident insurance. The plan encompasses a broad spectrum of benefits, such as hospitalization, surgical expenses, prescription medications, emergency medical care, dental treatments, and more!
Affordable pricing
S14 insurance offers the lowest premium available while providing essential medical coverage and valuable third-party liability insurance. For just 38 euros per month during the first 3 years of coverage, you receive comprehensive protection with no deductible for any treatments!
Flexible insurance programs
Eligible students can apply for S14 insurance free of charge and receive their policy the same day for visa processing. Once you obtain your visa, please contact us to activate your insurance. You will have up to 30 days to pay the premium. You can either pay the entire premium in a single transfer or provide your German IBAN bank account for automatic monthly payments.
Professional service
S14 is a specially tailored medical insurance by Care Concept Insurance Company. Our website exclusively provides comprehensive consultation and services for students. Students can reach out for timely assistance and support via phone or email.
Free Incomming Insurance
Apply for public health insurance and provide free travel medical insurance that meets visa requirements