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S14 Student Health Insurance

Medical insurance for high school, language course, pre-university, and doctoral students

The S14 Student Health Insurance is designed for junior and senior high school students, language course students, pre-university students, and doctoral students. This enhanced and customized insurance offers a comprehensive solution tailored to the needs of students aged 12-34 years.

Developed by Care Concept, the S14 Insurance provides an affordable and practical alternative to traditional student insurance. It includes both Krankenversicherung (medical insurance) and Haftpflichtversicherung (third-party liability insurance), all for just 38 euros per month during the first 36 months. The coverage can extend up to 5 years, offering long-term protection for students throughout their academic journey.

Eligibility

The S14 insurance is an insurance policy for high school students, language The S14 insurance is specifically designed for high school students, language students, and non-salaried doctoral students under the age of 35 studying in Germany. This policy is also available to foreigners coming to Germany temporarily for training or study.

Application Requirements:

Apply for S14 insurance before entering Germany. If you are already in Germany, please apply for Care College insurance instead.

Important Note:
Non-scholarship post-doctoral students are not eligible for Care College insurance and can only apply for Care Economy insurance.

According to German university requirements, all students under 30 years of age must have German public health insurance. We recommend Barmer health insurance. For more details, please refer to the “Barmer Health Insurance” brochure.

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

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

The table shows the new prices effective January 1, 2025. Policies activated before this date will keep their current premiums.

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

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