Care Student
For students and doctoral researchers in Germany
Comprehensive private health insurance
- Health insurance per month €69.62from
- Student rate for up to 5 years
- Cover across Europe
International students · Mature students · Doctoral researchers
€69.62 is the monthly health insurance premium for ages 12–29. If long-term care insurance is required, the combined premium starts at €101.54/month. Student rates apply for up to 60 months; turning 40 or other circumstances may trigger an earlier tariff change.
Your monthly premium at a glance
Health and long-term care insurance are shown separately. Check the combined total if you need both.
Insurance age is calculated by year. If you are approaching 30 or 40, check the insurer’s formal application assessment first.
| Insurance age group | Health insurance | Long-term care, if required | Combined total |
|---|---|---|---|
| Ages 12–29 | €69.62 | €31.92 | €101.54 |
| Ages 30–39 | €95.68 | €31.92 | €127.60 |
Who can apply?
For eligible international students studying or undertaking research training in Germany. Applicants are generally aged 12–39 and must pass medical underwriting.
University and mature students
Bachelor’s, master’s and exchange students. Those aged 30 or over may also apply subject to the conditions. Check your existing insurance and eligibility first.
Doctoral study and research training
Doctoral researchers and postdoctoral researchers undertaking research training covered by the terms. If you have an employment contract, check compulsory statutory insurance obligations first.
School students and study preparation
Eligible school and preparatory students, and participants in language courses or internships required for admission. A minor’s application must be handled by an adult policyholder.
Existing public or private insurance, permanent residence in Germany or Austria for at least two years, or turning 40 during the current year may affect your application. Confirm eligibility and continuity of cover before dealing with your current insurance.
Cover for everyday treatment and hospital care
Comprehensive private health insurance. Reimbursement remains subject to the terms, limits, waiting periods and deductible.
| Benefit | Cover summary |
|---|---|
| Outpatient and specialist care | Medically necessary outpatient treatment, including private doctors, generally up to 2.3 times the base rate under the German medical fee schedule (GOÄ). |
| Hospital treatment and surgery | Standard ward accommodation and eligible inpatient treatment under the terms. Optional upgrades such as a private room or treatment by the chief physician are not included. |
| Prescription medicines and treatment | Eligible prescribed medicines, dressings, therapies and medical aids. See the terms for medicine selection and individual limits. |
| Dental treatment | Generally up to 2.3 times the base rate under GOZ. Benefits are paid at 100% for the first €500 per calendar year and at 50% above that, subject also to the general deductible. |
| Dentures and orthodontics | Reimbursed at 50%, up to €500 per calendar year, normally with an 8-month waiting period. |
| Psychotherapy | Eligible outpatient psychotherapy is reimbursed at 70%, for up to 50 sessions per calendar year, normally with an 8-month waiting period. |
| Pregnancy and childbirth | Eligible pregnancy examinations, treatment and childbirth under the terms. Childbirth normally has an 8-month waiting period. Complete the health declaration accurately before applying. |
| Hospital and recovery allowances | For medically necessary hospital stays, €25 per day from day 15, for up to 20 days per calendar year. A €1,500 recovery allowance applies if the hospitalisation and subsequent incapacity conditions are met. |
| Travel abroad | Cover applies across Europe. For temporary travel outside Europe, including visits to China, the first month of each trip is covered under the policy terms. |
This is not a cap on all your out-of-pocket medical costs. You still pay amounts above benefit percentages or limits and expenses outside the cover. If your first policy year starts partway through the calendar year, the deductible is reduced under the terms.
Four things to check before applying
Public insurance exemption and university enrolment
If you are subject to compulsory public student insurance and choose private insurance, an exemption is normally required. The decision generally binds you for the duration of your studies. The M10 electronic notification required by your university is sent by a statutory health insurer; a private policy does not replace it directly.
Health questionnaire and waiting periods
Declare illnesses, treatment and medication accurately. There is no general waiting period. Childbirth, psychotherapy, dentures and orthodontics normally have an 8-month special waiting period.
What happens after 5 years?
Student rates apply for up to 60 months. Turning 40, graduating, leaving your course or a prolonged interruption may trigger an earlier tariff change. Where the conditions are met, cover continues under HanseMerkur KVS1 without a new health assessment, with premiums calculated under the new tariff.
Cancellation with one month’s notice
Ordinary cancellation is generally possible after two years, with 1 month’s notice to the end of the policy year. Returning home, changing tariff or becoming subject to compulsory statutory insurance have separate rules. Submit the required evidence promptly and confirm your end date.
Choosing public or private insurance affects your future options. Check your individual circumstances first. Contact our team · Read the official terms
Apply in four steps
Use the existing English application form. Our team can help explain the fields and required documents in English.
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Check eligibility
Confirm your age, study status, length of residence and existing insurance.
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Complete the health questionnaire
Prepare your identity and health information and answer the insurer’s questions accurately.
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Submit and await assessment
Complete your address, cover dates and payment details, and provide any requested documents.
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Receive your documents and complete enrolment
Once accepted, check your policy. Arrange any public insurance exemption and M10 notification required for your situation.
Complete the form in a mobile or desktop web browser. If it does not open correctly, try your usual browser. Assessment and policy issue times depend on the insurer’s processing.
What else would you like to know?
Premiums, doctoral status, M10 and continuity of cover.
English supportIs Care Student public health insurance?
No. It is comprehensive private health insurance underwritten by HanseMerkur, with product services provided by Care Concept. It may be an option for eligible students, but it is not statutory health insurance and does not promise better benefits for every service.
Does €69.62/month include long-term care insurance?
No. This is the standard monthly health insurance premium for ages 12–29. If long-term care insurance is required, its current €31.92 monthly premium brings the combined total to €101.54. For ages 30–39, the combined total is €127.60.
Can people over 30, doctoral researchers or CSC scholarship holders apply?
People aged 12–39 who meet the study status and other conditions can submit an application. Scholarship, CSC or doctoral status alone does not guarantee eligibility or automatically establish exemption from long-term care insurance. Those with an employment contract should check compulsory statutory insurance obligations first.
Can I apply just before turning 40 and keep student rates for another 5 years?
Do not assume this. The application calculates your insurance age, and the official FAQs explain the age threshold by birth year. The policy terms also allow an earlier tariff change when you turn 40. Check before applying near the age limit; another 5 years of student rates cannot be guaranteed.
How do I arrange M10 after taking out private insurance?
First check whether you need an exemption from statutory student insurance. A statutory health insurer then assesses your insurance status and sends M10 to your university. STU can help you prepare the documents; Email us about M10。
Will I only have to pay €300 myself each year?
No. €300 is the general deductible. You may also have percentage-based co-payments, costs above benefit limits and excluded expenses. It is not an absolute cap on your annual medical spending.
Will I never have to pay treatment costs upfront?
There is no universal rule. Follow the doctor’s, hospital’s and insurer’s invoicing and payment procedures, keep invoices and submit claims promptly. Before a hospital stay, contact the insurer to confirm billing arrangements.
How does Care Student differ from Care College?
Care Student is comprehensive private health insurance with medical underwriting. Long-term care insurance requirements are assessed according to your status; Care College focuses on cover for eligible periods of study abroad. Whether either product meets university or residence requirements depends on your status. They cannot be treated as interchangeable based on price alone.
Official documents and services
This English content is a summary. The full contract and the insurer’s confirmation govern your cover.
Preparing to study in Germany?
Tell us your birth year, study status and existing insurance so we can help you check a suitable option first. Email our team or use the Insurance support chat button on this website for general questions.
Online support in English
Use the Insurance support chat button on this website for general questions. For individual application assistance, email our team.
Email
[email protected]
Underwritten by HanseMerkur Krankenversicherung AG. Product services by Care Concept AG. STU Insurance provides product information and application assistance in English.
Premiums, eligibility and benefits are governed by the application, underwriting decision, policy and official terms. Product information and rates checked: 3 October 2026.