Care CollegeHealth insurance for language students
and doctoral researchers in Germany
For eligible language and preparatory students, CSC-funded and other scholarship-funded doctoral researchers, and exchange students. Choose from three plans, with English support to check eligibility, understand the cover and complete your application.
Basic from €27.50/month · Ages 12–29, first 24 months
Looking for S14? Explore your options after new applications closed →
- Three plans to choose from
- Clear premium conditions
- Application support in English
Who is Care College for?
Care College is travel health insurance for study and further education, underwritten by Advigon Versicherung AG and administered and serviced by Care Concept AG. STU Insurance provides product information and application assistance in English. Eligibility depends on your study status, age and arrival date.
Who can apply?
Language and preparatory students, and eligible doctoral researchers and exchange students, coming to Germany temporarily primarily for study or further education.
What does it cover?
Eligible outpatient and inpatient treatment, prescription medicines and treatment for acute dental pain under the policy terms. Deductibles and some limits differ between plans.
How is the premium determined?
It depends on your plan, age and insurance month. Monthly premiums move to the relevant rate band when you turn 30 or reach the 25th month of insurance.
Check your stage of study first.
Care College is travel health insurance. Insurance requirements for language courses, preparatory study and temporary further education may differ from those for formal enrolment at a German university.
Planning to enrol on a bachelor’s or master’s course, have an employment contract or have lived in Germany for some time? Tell our team your status and arrival date so we can help you check your options.
- Age
- Aged 12–40 at the start of the policy and any extension. People aged 41 or over are not eligible.
- Purpose of stay
- A temporary stay abroad primarily for study, further education or other activities permitted by the policy terms.
- Policy duration
- At least 1 month and up to 5 years. The cumulative travel health insurance period for a temporary stay in Germany may include previous cover with other insurers.
- When to apply
- Normally before departure or within one year of arrival. Your arrival date, existing insurance and waiting periods must be checked together.
People required by law to join German statutory health or long-term care insurance are not eligible for this product. Check which type of cover you need for university enrolment and M10 notifications before choosing on price alone.Ask our team for help.
Is Care College suitable for CSC-funded or other scholarship-funded doctoral researchers?
Eligible scholarship-funded doctoral researchers may consider Care College. First distinguish scholarship funding from German employment, then check which insurance is required. Doctoral or CSC-funded status alone does not establish eligibility.
CSC-funded doctoral and joint doctoral programmes
Check your status at the host university, funding period, age and arrival date, and whether you also have a German employment contract. Those without a German salaried contract who are staying temporarily for study or further education can check Care College’s terms, but must still meet every eligibility condition.
Scholarship-funded or self-funded doctoral researchers
A scholarship or self-funding describes your funding arrangement and does not automatically make you eligible. Check previous insurance, time spent in Germany and the cover required by your university or funding body. If your scholarship includes insurance, check that existing cover first.
Employed doctoral researchers with a salary contract
If you are employed by a German university or research institution, check compulsory statutory insurance with your employer and health insurer first. People legally required to hold German statutory health or long-term care insurance are not eligible for Care College.
Joint research, visiting researchers and postdoctoral researchers
Doctoral student conditions cannot simply be applied to everyone. Tell our team your actual status at the host institution, whether you are enrolled, your salary or scholarship source, and the purpose and duration of your stay so we can help confirm a suitable product with the insurer.
The official eligibility information lists doctoral students and scholarship holders, but individual eligibility remains subject to the policy terms.Read Care Concept’s explanation. Care College is not presented here as a CSC-designated or exclusive insurance product.
Three Care College plans and monthly premiums
Compare the general deductible, medical fee reimbursement rates and dental limits, then choose according to your budget.
Showing monthly premiums for ages 12–29, months 1–24. See the complete premium table below for other circumstances.
Basic
Lower monthly premium with a general deductible
- General deductible: €120 per policy yearYour share of eligible medical expenses
- GOÄ/GOZ reimbursement up to 1.8 times the base rateGerman medical and dental fee reimbursement limits
- Acute dental pain treatment up to €500Limit per policy year
- Medical repatriation up to €10,000Medical repatriation costs covered under the terms
Comfort
No general deductible and higher limits for some benefits
- General deductible: €0Special deductibles and policy restrictions may still apply
- GOÄ/GOZ reimbursement up to 2.3 times the base rateGerman medical and dental fee reimbursement limits
- Acute dental pain treatment up to €750Limit per policy year
- Premium refund available if conditions are metIncluding at least 12 months of cover and no claims in the relevant policy year
Premium
Higher limits for some dental and therapeutic benefits
- General deductible: €0Special deductibles and policy restrictions may still apply
- GOÄ/GOZ reimbursement up to 2.3 times the base rateGerman medical and dental fee reimbursement limits
- Acute dental pain treatment up to €1,250Limit per policy year
- Visual aids up to €100Three-month waiting period and other benefit conditions apply
These are monthly premiums and exclude optional accident and personal liability insurance. €0 refers to the general deductible. Pre-existing conditions and certain pregnancy-related situations may have special deductibles and benefit limits. Eligibility, actual premiums and cover are subject to the insurer’s confirmation and contract.
Complete monthly premium table
| Age / insurance period | Basic | Comfort | Premium |
|---|---|---|---|
| Ages 12–29 · Months 1–24 | €27.50 | €34.00 | €48.00 |
| Ages 30–40 · Months 1–24 | €33.50 | €50.00 | €75.00 |
| Ages 12–29 · From month 25 | €49.50 | €57.00 | €73.00 |
| Ages 30–40 · From month 25 | €55.00 | €73.00 | €99.00 |
On a phone, scroll the table sideways. The relevant rate changes apply from age 30 and from month 25. This page does not calculate your total policy premium.
Rates checked: 3 October 2026 · View the insurer’s product page (in German)
Basic, Comfort and Premium benefits compared
This table summarises the main benefits in English. “Included” means costs are covered within the contract conditions, including medical necessity, waiting periods and other restrictions.
| Benefit | Basic | Comfort | Premium |
|---|---|---|---|
| General deductible per policy year | €120 | €0 | €0 |
| Outpatient care and inpatient care in a standard shared room | Included | Included | Included |
| Prescribed medicines and dressings | Included | Included | Included |
| Maximum GOÄ/GOZ reimbursement multiplier in Germany | 1.8 times | 2.3 times | 2.3 times |
| Acute dental pain treatment per policy year | Up to €500 | Up to €750 | Up to €1,250 |
| Necessary dentures and repairs per 2 policy years 8-month waiting period | Not included | 50%, up to €500 | 70%, up to €1,000 |
| Necessary accident-related dentures per 2 policy years | Not included | Up to €1,000 | Up to €2,500 |
| Therapeutic treatments (Heilmittel) per policy year | Up to €250 | Up to €500 | Up to €1,500 |
| Necessary medical aids (Hilfsmittel) after an accident | Up to €250 | Up to €500 | Reimbursed under the policy terms |
| Visual aids 3-month waiting period and other conditions | Not included | Not included | Up to €100 |
| Medical repatriation under the policy terms | Up to €10,000 | No monetary limit for this benefit | No monetary limit for this benefit |
| Repatriation of remains / local burial | Up to €25,000 | Up to €25,000 | Up to €25,000 |
| Study interruption allowance for serious illness per policy year Hospitalisation and continuous sick leave conditions apply | Not included | Up to €1,500 | Up to €2,500 |
| Travel allowance for a relative’s visit, subject to conditions | Not included | Up to €500 | Up to €1,250 |
| Continued benefits after expiry when repatriation is not possible Subject to the policy terms; this is not automatic renewal | Up to 4 weeks | Up to 4 weeks | Up to 8 weeks |
| No-claims premium refund, subject to conditions | Not included | Apply for a refund of 2 months’ premiums | Apply for a refund of 2 months’ premiums |
On a phone, scroll sideways to compare all three plans. A policy year normally means 12 months from the start of cover.
Pregnancy, pre-existing conditions, mental health treatment and short visits home have specific rules. Read the important conditions below together with the German policy terms.Open the official insurance documents.
Waiting periods, deductibles and cover limits
Understanding the restrictions and waiting periods helps you decide whether the cover meets your needs.
General waiting period
The general waiting period is 31 days. It may be waived under the terms if you apply before departure or can prove arrival within the 31 days before your application, among other circumstances. Continuous previous cover may count towards the waiting period; evidence is required.
Special waiting periods and pregnancy
Childbirth and the relevant denture benefits generally have an eight-month waiting period. Premium visual aids have a three-month waiting period. Premium has special deductibles and limits for pregnancy already existing at application; check these first.
Special rules for pre-existing conditions
Some pre-existing conditions may be covered under special terms, but insured events already certain to occur when applying are excluded. Where applicable, you pay €5,000 per policy year and the related cover is limited to €30,000 over the contract term. Ask for advice first.
Common exclusions
Routine preventive check-ups, vaccinations, psychoanalysis and psychotherapy are generally not covered. Exclusions also apply to treatment known to be necessary at departure and journeys made for the purpose of receiving treatment.
Territory and holidays in your home country
For Chinese students studying in Germany, the usual territory includes Germany and the applicable EU, EEA and Schengen countries. Cover for holidays in the home country or third countries depends on the contract duration and requires notification in text form before departure. This is not unlimited worldwide cover.
Accident and liability insurance are optional extras
This page describes health insurance. Medical expenses caused by an accident differ from a separate accident insurance benefit. Personal liability and standalone accident insurance are separate products and are not automatically included in the monthly premiums above.
This section highlights key conditions and is not a complete list of exclusions. If you have pre-existing conditions, are pregnant, have an employment contract, have lived abroad long term or plan travel across several countries, provide the details for checking before applying.
How do I apply for Care College?
Use the application link to submit your details to the insurer. Our English support team can help explain the fields and required documents.
Check eligibility and choose a plan
Check your age, study status, arrival date and previous insurance, then compare premiums, deductibles and benefits.
Prepare and enter your details
Have your name as shown in your passport, date of birth, contact address, email address and insurance start and end dates ready. Your name must match your identity document.
Review and submit your application
Check your details, payment method and insurance documents. The insurer confirms the final premium and underwriting decision.
Receive and save your policy
Once accepted, check your email and save your policy number, confirmation and terms. Confirm payment and the conditions for cover to start.
If the application form does not display correctly, copy the link into your usual web browser. To extend an existing Care College policy, use the customer portal and apply before your original contract expires.
Care College FAQs
Find the situation that applies to you. For help checking your individual status and travel plans, contact our team in English by email or use the Insurance support chat button on this website for general questions.
Contact our teamCan I still submit a new S14 application?
S14 closed to new applications on 30 September 2026. People who had planned to buy S14 can check Care College as an alternative. Eligibility depends on age, status, arrival date and the policy terms; former S14 target groups do not all automatically qualify.
Is Care College simply a new name for S14?
They are different contracts. Care College has Basic, Comfort and Premium plans with different premiums, deductibles and some benefit limits. The monthly prices on this page exclude optional accident and personal liability insurance. An S14 policy does not automatically become Care College.
Can CSC-funded or other scholarship-funded doctoral researchers apply?
Scholarship-funded doctoral researchers may apply if they meet the eligibility conditions. CSC funding alone does not guarantee acceptance. Check your actual study status, age, time in Germany, existing cover and any compulsory statutory insurance obligation. Confirm the insurance requirements of the host university and funding body separately.
Is Care College suitable for doctoral researchers with a German employment contract?
Check your employment relationship and compulsory statutory insurance obligations first. The Care College terms exclude people legally required to join German statutory health or long-term care insurance. Doctoral student status does not make this product a substitute for the insurance you are required to hold.
Can Care College be used directly for German university enrolment?
Do not decide from the product name alone. Insurance requirements for language or preparatory courses may differ from those for formal bachelor’s or master’s enrolment. The insurer also offers products such as Care Student. Check the required insurance type, any compulsory statutory insurance obligation and M10 procedures with your university and our team first.
Can I apply before arriving in Germany?
You can apply before departure. Enter your expected arrival date and the required cover dates. If your plans change, contact the insurer about changing dates. Cover cannot begin before the applicable conditions for contract formation, arrival, payment and waiting periods have been met.
Is €27.50 the monthly premium for everyone?
This is the Basic monthly premium for ages 12–29 during months 1–24. From age 30 or month 25, other bands in the full premium table apply. This is not an annual premium and excludes additional accident and liability insurance.
Does the €0 deductible in Comfort and Premium mean everything is free?
€0 refers to the general deductible. Reimbursement remains subject to covered benefits, medical necessity, medical fee multipliers, limits and waiting periods. Certain pre-existing conditions and pregnancy-related situations have special deductibles. It does not mean every expense is reimbursed in full.
Can I apply with a pre-existing condition or if I am already pregnant?
Explain your circumstances first and check the official terms. The current terms include special deductibles and limits for some pre-existing conditions. Premium has specific rules for pregnancy already existing at application. Acceptance and reimbursable costs depend on the contract and the insurer’s confirmation.
Am I covered during holidays in China?
Limited cover may apply to eligible temporary holidays: normally up to 14 days for a first contract of 4 months or less, up to 28 days for a contract longer than 4 but shorter than 12 months, and up to 42 days per policy year for a contract of at least 1 year. Separate rules apply to consecutive short contracts and the second policy year. Notify the start and end dates in text form before each departure and confirm the days available.
What conditions apply to the premium refund?
For Comfort and Premium, you can apply per policy year for a refund equal to twice the applicable monthly premium, subject to conditions including a contract of at least 12 months, continuous cover for the latest 12 months, no claims during that period and premiums paid on time. It is not paid automatically and does not apply to Basic. Read the official terms for the full conditions.
Does the policy renew automatically, and can I change plans during the term?
The contract ends on the agreed date and does not renew automatically. Apply before expiry if you need an extension; the insurer must agree, and age and cumulative duration limits still apply. You generally cannot switch freely between Basic, Comfort and Premium during the term. The terms contain separate provisions for changes required by official residence requirements.
How do I submit a claim after treatment?
Keep medical invoices, prescriptions and proof of payment, and submit them through the My Care Concept customer portal or official claims app as required by the insurer. Check your policy number, treatment details and documents are complete. Contact the insurer promptly if you need inpatient treatment or medical repatriation. Our team can help explain the process in English.
How do I cancel if I return home early or no longer need cover?
Apply through the customer portal or send a request to the insurer in text form with your policy number, name, requested end date and circumstances. The effective date, required evidence and any refund depend on the contract and the insurer’s decision. Do not simply stop paying instead of cancelling the contract.
Official documents and self-service
Read the full insurance documents before applying. The links below open the insurer’s pages or PDFs in a new window.
Tell us about your plans
and choose with confidence.
Tell us your age, stage of study, arrival date and intended cover period. Our English support team can help you check eligibility, understand the cover and follow the application steps.
Online support in English
Use the Insurance support chat button on this website for general questions. For help with your individual application, email our team.
Email
[email protected]
Underwritten by Advigon Versicherung AG. Product administration and service by Care Concept AG. This page is provided by STU Insurance for product information and application assistance in English.
This English content is a summary and does not replace the contract. Eligibility, premiums, waiting periods, deductibles, benefit limits and exclusions are governed by the application, policy, official German terms and the insurer’s written confirmation. Product information checked: 3 October 2026.