BBL Plus · Insurance
Health Insurance for Language Students in Germany
Are you coming to Essen for a German course? Compare two insurance options for international language students and find out which plan may suit your stay.
Arrive well prepared
Why do language students need health insurance?
Suitable health insurance cover is important when attending a language course in Germany. Whether you need proof of insurance for your visa or residence permit, and what form it must take, depends on factors such as the duration of your stay and the responsible German mission abroad. Your cover should begin on time and remain valid for the planned duration of your stay.
Care College from Care Concept and MAWISTA Student both explicitly include language students among the eligible groups. Each provider offers plans with different benefits. If you later enrol at a university, your insurance requirements may need to be reviewed again.
Before purchasing a policy: Ask the responsible German mission abroad or immigration authority which certificate is accepted for your specific purpose of stay. The authority decides whether proof of insurance is accepted in each individual case.
At a glance
Care Concept and MAWISTA Compared
The information below refers to Care College Basic and MAWISTA Student Classic . Other plan levels offer different benefits and premiums.
| Criteria | Care Concept · Care College Basic | MAWISTA · Student Classic |
|---|---|---|
| Monthly premium from | €27.50 | €28.00 |
| Who is it for? | Among others, language students and preparatory college participants; maximum age of 40 when the policy begins | Among others, language students and preparatory college participants; up to 40 years of age |
| Insurance period | 1 to 60 months, including extensions | 1 to 60 months |
| Deductible | €120 per insurance year under the Basic plan | 20% of covered outpatient and dental treatment costs, up to €250 per calendar year |
| Outpatient and inpatient treatment | Included within the limits of the selected plan | Included within the limits of the selected plan |
| Pain-relieving dental treatment | Up to €500 per insurance year | Up to €500 per insurance year |
| Liability and accident cover | Check whether separate additional cover is required | Not included in Classic; included in Classic Plus and Comfort |
Information as of 25 September 2026. “From” prices do not apply to every age group or insurance period. Premiums, exclusions, waiting periods and reimbursements are governed exclusively by the providers’ current plan and insurance terms.
Making the right choice
Which plan suits your language course?
The lowest monthly premium alone says little about the potential costs if you become ill.
Care College
Care College Basic has a fixed deductible of €120 per insurance year. According to the provider, this deductible does not apply to Care College Comfort and Premium. Pay particular attention to the benefits you need, the relevant age group and any optional additional cover.
Care College: View plans and terms ↗MAWISTA Student
MAWISTA Student Classic requires a percentage-based contribution toward covered outpatient and dental treatment. According to the provider, Classic Plus adds accident and personal liability cover, while Comfort offers further benefits. Compare the deductible and the benefits included in each plan.
MAWISTA Student: View plans and terms ↗Three points to check before purchasing a policy
01 · Purpose of stay
Check whether you are a language student, a preparatory college participant or already enrolled as a regular university student.
02 · Insurance period
Choose a start date that matches your arrival and check that the entire planned duration of your stay is covered.
03 · Scope of cover
Compare deductibles, outpatient care, dental benefits and possible exclusions.
Frequently asked questions
Health Insurance Questions for Language Students
Is Care College or MAWISTA Student suitable for my visa application?
Both providers also offer products for language students. Check the current requirements of the German mission responsible for your application to determine whether a specific plan and certificate are sufficient. National visas may be subject to different requirements than short Schengen stays.
Does the lowest price apply to all age groups?
No. The stated starting prices apply only to certain age groups and conditions. Care College premiums also vary depending on the insurance period. Calculate your individual premium directly with the provider.
What changes if I begin university studies later?
Different health insurance rules may apply once you enrol at a university. Contact the university and a statutory health insurance provider in good time to determine which proof and type of insurance you require.
Can BBL take out the insurance for me?
You conclude the insurance contract directly with your chosen provider. BBL can help you find the available plans and understand the documents relevant to your language course; binding information about the plan is provided by the insurer.
BBL Language School · Essen
Questions about your German course?
We are happy to help with questions about the course and the documents required for your enrolment.