BBL Plus · Insurance
Health insurance for language students in Germany
Coming to Essen for a German course? Compare two insurance providers for international language students and check which plan suits your stay.
Arrive well prepared
Why do language students need health insurance?
Suitable health insurance cover is important for a language course stay in Germany. Whether you need proof for your visa or residence permit, and which proof, depends among other things on the length of your stay and the responsible German mission abroad. Your cover should match the start and the planned length of your stay.
The Care College plans by Care Concept and MAWISTA Student explicitly list language students as an insurable group. Both offer options with different benefits. If you later enrol at a university, your insurance cover may need to be reviewed again.
Before you sign up: Ask the responsible German mission abroad or the immigration office (Ausländerbehörde) which certificate is accepted for your specific purpose of stay. The authority decides case by case whether it accepts a proof of insurance.
At a glance
Care Concept and MAWISTA compared
The information refers to Care College Basic and MAWISTA Student Classic. Other plan levels offer different benefits and premiums.
Criterion
Care Concept · Care College Basic
MAWISTA · Student Classic
Monthly premium from
€27.50
up to age 29 in the first 24 months; from month 25: €49.50
€28.00
ages 18 to 29; ages 30 to 40: €44.00
Who is it for?
Among others, language students and Studienkolleg participants; maximum age 40 at the start of the contract
Among others, language students and Studienkolleg participants; up to age 40
Length of cover
1 to 60 months including extensions
1 to 60 months
Deductible
€120 per insurance year in the Basic plan
20% of insured outpatient and dental benefits, up to €250 per calendar year
Reimbursement of medical bills
Up to 1.8 times the German fee schedule rate (GOÄ/GOZ)
Up to 1.8 times the German fee schedule rate (GOÄ/GOZ)
Outpatient and inpatient treatment
Included within the scope of the plan
Included within the scope of the plan
Pain-relieving dental treatment
Up to €500 per insurance year
Up to €500 per insurance year
Liability and accident
Check separate additional cover
Not included in Classic; included in Classic Plus and Comfort
As of 1 November 2026. “From” prices do not apply to every age and every term. Premiums, exclusions, waiting periods and reimbursement are governed solely by the providers’ current plan and insurance terms.
BBL is not an insurance broker and does not provide insurance advice. This overview is for guidance only.
The right choice
Which plan suits your language course?
The lowest monthly premium alone says little about your possible costs if you fall ill.
Also check the reimbursement rate: doctors in Germany often bill at 2.3 times the fee schedule rate. If a plan only reimburses up to 1.8 times the rate, you pay the difference yourself.
Care College
Care College Basic has a fixed deductible of €120 per insurance year and reimburses medical bills up to 1.8 times the rate. According to the provider, Care College Comfort and Premium have no deductible and reimburse up to 2.3 times the rate. Check in particular the benefits you need, your age group and possible add-ons.
MAWISTA Student
MAWISTA Student Classic has a percentage co-payment on insured outpatient and dental benefits and reimburses up to 1.8 times the rate. According to the provider, Classic Plus adds accident and liability cover and reimburses up to 2.3 times the rate; Comfort offers further benefits and reimburses up to 3.5 times the rate. Compare the co-payment and the included modules.
Three things to check before you sign up
01 · Purpose of stay
Check whether you are a language student, a Studienkolleg participant or already regularly enrolled at a university.
02 · Period
Choose a start date that matches your arrival and check the entire planned length of your stay.
03 · Scope of benefits
Compare deductibles, reimbursement rate, outpatient care, dental benefits and possible exclusions.
Frequently asked questions
Questions about insurance for language students
Is Care College or MAWISTA Student suitable for my visa application?
Both providers also aim their products at language students. Whether a specific plan and proof are sufficient for your application depends on the current requirements of the responsible German mission abroad. National visas may have different requirements from short Schengen stays.
Does the lowest price apply to all age groups?
No. The starting prices apply to certain age groups and conditions. With Care College, premiums also change with the term: in the Basic plan, the premium for people up to age 29 rises from €27.50 to €49.50 from the 25th month. Calculate your premium directly with the provider.
What changes if I study later?
Once you enrol at a university, different health insurance rules may apply. Check in good time with your university and a statutory health insurance fund which proof and which type of insurance you need.
Can BBL take out the insurance for me?
No. You conclude the insurance contract directly with the provider you choose. BBL is not an insurance broker; we help you find the offers and organise the documents for your language course. Binding information about the plans is provided by the insurer.
BBL Language School · Essen
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