• Students attending German language courses

• PhD students in Germany, including scholarship-funded PhD students

• CSC PhD students, state-funded international PhD students

• German university students over 30 years old who can choose to switch to private health insurance

• Tourists and visitors from Europe

• People doing business or running a company in Germany

• Employees with relatively high personal income who want to enjoy better health insurance benefits

All scholarship-funded PhD students under the age of 40 have the opportunity to join private health insurance.

PhD students under 35 can choose the S14 insurance, with a maximum coverage period of 5 years.

PhD students aged 35–40 can choose the Care College insurance.

The subscription period for private health insurance is flexible. You can cancel unconditionally by sending an email to the insurance company one month in advance. You can contact us for assistance with the process.

Some Care Concept insurance products allow you to pay the premium by bank transfer yourself. Usually, you will receive an email explaining how to transfer the payment to the company. The details are as follows:

• Bank account: DE23 2003 0000 0000 1111 61

• SWIFT/BIC code: HYVEDEMM300

• Recipient address: Hypovereinsbank AG

• Transfer reference: Enter your insurance policy number

Please ensure that the full premium amount is received, meaning that after any bank fees, the amount credited must equal the insurance premium.