--- title: "From €27.50/mo · Sprachkurs Insurance Germany 2026" description: "Sprachkurs is NOT yet enrolment: Care College from €27.50/mo (up to age 29). Switch to DAK ~€135/mo or Care Student €101.54/mo on immatriculation day." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, [ { "@context": "https://schema.org", "@type": "Article", "headline": "Health Insurance for Language Course before the Studies in Germany: Differences to Enrolled-Student Cover and the Five Typical Mistakes", "description": "Sprachkurs is NOT yet enrolment: Care College from €27.50/mo (up to age 29). Switch to DAK ~€135/mo or Care Student €101.54/mo on immatriculation day.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-09-10", "dateModified": "2026-08-30", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "DAK-Gesundheit", "url": "https://de.wikipedia.org/wiki/DAK-Gesundheit" }, { "@type": "Thing", "name": "Techniker Krankenkasse", "url": "https://en.wikipedia.org/wiki/Techniker_Krankenkasse" }, { "@type": "Thing", "name": "AOK", "url": "https://en.wikipedia.org/wiki/AOK" }, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Guide to Health Insurance in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": "Foreign Students in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/" }, { "@type": "ListItem", "position": 4, "name": "Language Course Before Studies in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Ready for university enrollment in 3 steps", "description": "DAK Student or Care Student for university enrollment, M10 notification and proof of coverage.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose your student plan", "text": "DAK statutory student cover up to age 29 · Care Student private student cover up to age 39. For language school or Studienkolleg, use Care College." }, { "@type": "HowToStep", "position": 2, "name": "Complete the application", "text": "Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows." }, { "@type": "HowToStep", "position": 3, "name": "Receive your proof", "text": "Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "Can I use my language course insurance for the student visa application?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — care College provides an insurance certificate (Versicherungsbestätigung) accepted by most German embassies for the national visa (D-Visum, § 16f AufenthG). Make sure your policy covers the entire course period plus the arrival date. You receive instant PDF confirmation via email — no waiting, no extra steps." } }, { "@type": "Question", "name": "How do I switch from language course insurance to student health insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "When you enroll at a German university (Immatrikulation), you become eligible for statutory health insurance (GKV) at approximately €135.52/month. Plan your switch 4–6 weeks before semester start to avoid coverage gaps. Care College can be cancelled monthly, making the transition seamless." } }, { "@type": "Question", "name": "What are the 5 typical mistakes with language-course insurance before studies in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care College from €27.50/month avoids traps 1–2. (1) Booking Care Visa Protect (max 92 days) instead of Care College for a 6-month course; (2) DAK-Studenten before enrolment — not yet eligible; (3) missing switch to GKV on matriculation day; (4) gap between Sprachkurs end and Studium start; (5) M10 not requested from DAK on enrolment." } }, { "@type": "Question", "name": "Is Care College accepted for the Sprachvisum in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care College is the recognised private tariff for the D-Visum Sprachkurs under § 16f AufenthG. From €27.50/month (up to age 29, Basic 1–24 months), it covers outpatient, inpatient and repatriation and issues an instant PDF certificate typically accepted by all German embassies." } }, { "@type": "Question", "name": "Can Care Visa Protect replace Care College for a 6-month language course in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "No — Care College (from €27.50/month, 1–60 months) is the recognised lane for the D-Visum Sprachkurs under § 16f AufenthG and provides the whole-period PDF the embassy needs." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I use my language course insurance for the student visa application?", "text": "Can I use my language course insurance for the student visa application?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — care College provides an insurance certificate (Versicherungsbestätigung) accepted by most German embassies for the national visa (D-Visum, § 16f AufenthG). Make sure your policy covers the entire course period plus the arrival date. You receive instant PDF confirmation via email — no waiting, no extra steps.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How do I switch from language course insurance to student health insurance in Germany?", "text": "How do I switch from language course insurance to student health insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "When you enroll at a German university (Immatrikulation), you become eligible for statutory health insurance (GKV) at approximately €135.52/month. Plan your switch 4–6 weeks before semester start to avoid coverage gaps. Care College can be cancelled monthly, making the transition seamless.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What are the 5 typical mistakes with language-course insurance before studies in Germany?", "text": "What are the 5 typical mistakes with language-course insurance before studies in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care College from €27.50/month avoids traps 1–2. (1) Booking Care Visa Protect (max 92 days) instead of Care College for a 6-month course; (2) DAK-Studenten before enrolment — not yet eligible; (3) missing switch to GKV on matriculation day; (4) gap between Sprachkurs end and Studium start; (5) M10 not requested from DAK on enrolment.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is Care College accepted for the Sprachvisum in Germany?", "text": "Is Care College accepted for the Sprachvisum in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — Care College is the recognised private tariff for the D-Visum Sprachkurs under § 16f AufenthG. From €27.50/month (up to age 29, Basic 1–24 months), it covers outpatient, inpatient and repatriation and issues an instant PDF certificate typically accepted by all German embassies.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can Care Visa Protect replace Care College for a 6-month language course in Germany?", "text": "Can Care Visa Protect replace Care College for a 6-month language course in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — Care College (from €27.50/month, 1–60 months) is the recognised lane for the D-Visum Sprachkurs under § 16f AufenthG and provides the whole-period PDF the embassy needs.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-08-30", "upvoteCount": 0 } } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Care College (Sprachkurs / Studienkolleg) from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/overview/) 1. [Home](/en/) 2. [Guide to Health Insurance in Germany](/en/guide-health-insurance-germany/) 3. [Foreign Students in Germany](/en/guide-health-insurance-germany/health-insurance-students-germany/) 4. Language Course Before Studies in Germany # Health Insurance for Language Course before the Studies in Germany: Differences to Enrolled-Student Cover and the Five Typical Mistakes - [Care College: from €27.50/month](/en/insurance-plans/care-college/overview/) (language course) - [Care Student: from €101.54/month](/en/insurance-plans/care-student/overview/) (post-immatriculation, 30+/GKV-exempt) - [DAK-Gesundheit: from €135.52/month](/en/insurance-plans/dak-gesundheit/overview/) (from immatriculation, under 30) Sources: § 5 Abs. 1 Nr. 9 SGB V · § 199a SGB V (M10) · § 5 AufenthG · EU-VO 810/2009 Art. 15 · HanseMerkur Care College AVB **A language course (Sprachkurs) or Studienkolleg is NOT yet immatriculation at a German university — and that single fact decides which insurance is recognised. Mandatory GKV under § 5 Abs. 1 Nr. 9 SGB V and the M10 electronic notification under § 199a SGB V only start with immatriculation, so DAK-Studenten and Care Student will reject Sprachkurs applications.** The recognised tariff is [Care College from €27.50/month (up to 5 years)](/en/insurance-plans/care-college/overview/) (HanseMerkur) — accepted by the German embassy for the language-course visa, by the Ausländerbehörde for the Anmeldung and by every German language school and Studienkolleg, with cover up to 60 months. On the day the university confirms the study place, switch from Care College to [DAK-Studenten](/en/insurance-plans/dak-gesundheit/overview/) (under 30, statutory) or [Care Student from €101.54/month (up to 5 years)](/en/insurance-plans/care-student/overview/) (over 30 / GKV-exempt) — the M10 notification then starts automatically (full workflow in the [M10 enrolment proof guide](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)). For the embassy phase before entry, [Care Visa Protect from €0.85/day (up to 92 days)](/en/insurance-plans/care-visa-protect/overview/) covers the visa appointment up to 92 days. Below: why DAK and Care Student reject Sprachkurs files, why Care Visa Protect is not enough for the whole course, the five most common mistakes that block the visa or the language-school enrolment, the cover handover on immatriculation day, the start-date logic and the full Care College price table by age and tier. Student Coverage DAK-Gesundheit or HanseMerkur student options Enrollment Proof M10 notification for eligible university enrollment flows Visa & University Documents Receive confirmation for visa or enrollment steps where applicable ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **August 30, 2026** Sources§ 5 Abs. 1 Nr. 9 SGB V (mandatory student insurance) · § 199a SGB V (M10) · § 5 AufenthG · EU-VO 810/2009 Art. 15 · HanseMerkur Care College AVB 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Sprachkurs / Studienkolleg place confirmed? Get Care College in 5 minutes — accepted by embassy and school. [Care College (Sprachkurs / Studienkolleg, embassy + school) from €27.50/month (up to 5 years) ](/en/insurance-plans/care-college/overview/)[Care Visa Protect (visa appointment, embassy phase) from €0.85/day (up to 92 days) ](/en/insurance-plans/care-visa-protect/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) ## 📌 TL;DR — at a glance - A language course (Sprachkurs) or Studienkolleg is NOT yet enrolment at a German university. Neither mandatory GKV (§ 5 Abs. 1 Nr. 9 SGB V) nor the M10 electronic notification (§ 199a SGB V) apply yet — DAK-Studenten and Care Student therefore reject Sprachkurs applications. The recognised tariff is Care College (HanseMerkur) from €27.50/month for ages up to 29 and from €33.50/month for age 30+ (Basic months 1–24). - Care College is accepted by every German embassy for the language-course visa, by the Ausländerbehörde for the Anmeldung at the Bürgeramt, and by every German language school and Studienkolleg for enrolment. Cover runs up to 60 months and includes inpatient, outpatient and dental emergency treatment. For ages 30+ the Care College premium is €33.50–99/month depending on tier and contract month. - On the day the university confirms the study place, switch from Care College to DAK-Studenten (~€135.52/month with Garantietarif 120, under 30) or Care Student (€101.54/month, over 30 / GKV-exempt). The M10 notification then starts automatically — and the language-course phase ends without a coverage gap. Key facts at a glance Reviewed August 30, 2026 - **Sprachkurs is NOT enrolment — Care College from €27.50/month is the recognised tariff:** Up to age 29: €27.50/month; 30+: from €33.50/month Basic, up to €99/month Premium (months 25+). HanseMerkur, accepted by the embassy for the language-course visa, by the Ausländerbehörde for the Anmeldung and by every German language school and Studienkolleg. Cover up to 60 months. (Source: HanseMerkur Care College AVB · § 5 AufenthG). - **DAK and Care Student reject Sprachkurs applications:** Mandatory GKV under § 5 Abs. 1 Nr. 9 SGB V and the M10 electronic notification under § 199a SGB V only start with immatriculation at a German university. DAK-Studenten and Care Student therefore decline cover for Sprachkurs and Studienkolleg students. (Source: § 5 Abs. 1 Nr. 9 SGB V · § 199a SGB V). - **Care Visa Protect = embassy phase only, max 92 days:** Care Visa Protect (from €0.85/day, min €8.50) is a Schengen / short-stay tariff under EU-VO 810/2009 Art. 15 with a 92-day cap. Most Sprachkurs visas are national D visas requiring a long-stay tariff such as Care College (from €27.50/month). (Source: EU-VO 810/2009 Art. 15 · HanseMerkur Reise AVB). - **Switch on immatriculation day → DAK ~€135.52/month or Care Student €101.54/month:** On the day the university confirms the study place, Care College ends and DAK-Studenten (under 30, statutory, ~€135.52/month with Garantietarif 120) or Care Student (over 30 / GKV-exempt, €101.54/month total: CCS €35 + PVN €58.04 + Pflege €8.50) takes over. The M10 notification starts automatically. (Source: § 5 Abs. 1 Nr. 9 SGB V · § 257 SGB V · § 199a SGB V). ## Five typical mistakes that block the language-course visa or the school enrolment **Quick answer:** "Why was my language-course visa or school enrolment rejected?" — most files share one of five issues: trying to buy DAK-Studenten or Care Student before immatriculation; using Care Visa Protect for a course longer than 92 days; picking a Care College start date after entry (gap days); forgetting to switch to DAK or Care Student on the day the university confirms the study place; or booking only Schengen cover when the Sprachkurs requires a national D visa. ## Avoid the mistakes that can delay your application ### Enrollment can stall without M10 DAK Student and Care Student support electronic M10 notification for eligible university enrollment flows. ### Under 30 or over 30? DAK Student fits many students up to age 29; Care Student can fit private student coverage up to age 39. ### Private or statutory confusion Choosing the wrong route can create extra steps. Check statutory, private and exemption rules before applying. ### Language school is different Care College is better for language school, Studienkolleg, DSH and educational stays — not M10 university enrollment. ## What a rejected Sprachkurs visa actually costs ## One wrong insurance choice can cost you money, time and your application deadline A medical incident can become expensive fast — but the wrong certificate can also delay your visa, enrollment, residence permit or work start. 🏥 €500–€1,500 Emergency doctor visit One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added. 🏨 €2,000–€10,000+ Hospital treatment If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros. 🎓 1 missed M10 Enrollment can get stuck For university enrollment, the wrong insurance route can delay the electronic M10 notification to your university. - Wrong or incomplete proof can delay your visa, enrollment or authority process. - Cheap home-country policies may miss the exact coverage, dates or repatriation wording required. - The cheapest policy can become expensive if it is the wrong proof for your situation. Before you apply, check: coverage amount, validity dates, destination area and repatriation cover. ## Course start fixed — get the recognised certificate before the deadline ## Why act before university enrollment University enrollment can depend on the right insurance route. Waiting too long can delay M10 notification or create extra steps. 🎓 M10 timing matters DAK Student and Care Student can support M10 university enrollment flows where applicable. 📄 Wrong route creates delays Language school, Studienkolleg and DSH usually need Care College, not the university M10 route. ⚡ Apply before enrollment pressure Prepare insurance proof before the university or visa office asks for it urgently. ✅ Under 30 or over 30? DAK Student and Care Student serve different student situations. Check age and eligibility before applying. ## From application to language-school enrolment — in 3 steps 10 minutes online. Care College issues the recognised certificate within minutes — accepted by the embassy for the language-course visa and by the school for enrolment. On immatriculation day, switch to DAK or Care Student so the M10 notification can be filed automatically. ## Ready for university enrollment in 3 steps DAK Student or Care Student for university enrollment, M10 notification and proof of coverage. 1. 1 🎯 Choose your student plan DAK statutory student cover up to age 29 · Care Student private student cover up to age 39. For language school or Studienkolleg, use Care College. 2. 2 📝 Complete the application Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows. 3. 3 ✅ Receive your proof Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university. ## What students say about Care College for Sprachkurs and Studienkolleg before university enrolment 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## Recommended tariffs for Sprachkurs and Studienkolleg 🎯 Standard · Sprachkurs + Studienkolleg + visa ### Care College from only €27.50 / month (coverage up to 5 years) For language schools, Studienkolleg, DSH, continuing education, visiting researchers & educational stays - Proof of insurance for visas & immigration authorities quickly available (PDF) - Affordable health insurance from €27.50 / month - Doctor, hospital, prescription medication & dental treatment coverage - For educational stays in Germany or the EU/Schengen Area — except Austria - Suitable for language students, Studienkolleg, DSH, continuing education & visiting researchers - Coverage up to 5 years – less renewal stress - 3 plan levels available: Basic, Comfort & Premium - 24/7 assistance + digital insurance card - Coverage term: 1 month to 5 years · entry age up to 40 - Reputable insurance carrier Why Care College? For foreign nationals with an educational stay who need affordable health insurance and proof of coverage for authorities — suitable for language school, Studienkolleg, DSH, continuing education or visiting researchers. Why a 5-year coverage term? More planning security during training, language courses or study preparation: less renewal stress and a lower risk of a coverage gap. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €27.50 / month · coverage up to 5 years [Care College – Quick Overview](/en/insurance-plans/care-college/plan-details/) [Apply online now](/en/insurance-plans/care-college/apply/) → Complete the application, receive your instant PDF, submit your proof 🛟 Embassy phase only (max 92 days) ### Care Visa Protect from only €0.85 / day (1–92 days possible) For Schengen visas, tourists, family visits & business travel - Proof of insurance for visas & immigration authorities quickly available (PDF) - Meets Schengen visa insurance requirements - Affordable coverage from €0.85/day (minimum premium applies) - Doctor, hospital, prescription medication & dental emergency coverage - For Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Ideal for short stays, family visits, tourists & business travelers - Multiple-visa option: several trips up to a total of 92 days/year - Must be purchased before entry - Age-based rates: from €0.85/day up to age 64 · from €2.60/day for ages 65–74 - Coverage term: 1–92 days · entry age 0–74 Why Care Visa Protect? For foreign visitors with a Schengen visa who need fast, affordable proof of insurance for an embassy, visa office or immigration authority — suitable for tourists, family visits and short business trips. Why a 92-day coverage term? Ideal for typical short stays and Schengen trips: enough coverage for a visit, vacation or business trip — without buying long-term insurance. - 🏛️ HanseMerkur Travel Insurance AG, Hamburg - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental emergency & repatriation coverage - 🏷️ From €0.85 / day · coverage up to 92 days [Care Visa Protect – Quick Overview](/en/insurance-plans/care-visa-protect/plan-details/) [Apply online now](/en/insurance-plans/care-visa-protect/apply/) → Complete the application, receive your instant PDF, submit your proof On immatriculation day, switch to DAK-Studenten or Care Student — the full start-date logic is in the [three-start-dates guide](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-before-study-start-taking-out-start-date-entry-enrollment-germany/), and the full DAK / Care Student / Care College comparison is in the [foreign-students hub](/en/health-insurance-foreign-students-germany/). ## Full price tables — all brackets by age & duration **Quick answer:** The three recognised student tariffs cover the full timeline: Care College (€27.50–138/month) for the language-course or Studienkolleg phase, then DAK-Gesundheit (~€135.52/month) from immatriculation for under-30s, or Care Student (€101.54/month) for over-30s, GKV-exempt students and PhD candidates. ### Care College — language-course tariff (12–60 months) Premiums vary by entry age (under/over 30) and stay length (months 1–24 vs. month 25+). The standard Sprachkurs tariff: Care College Basic Bestseller Comfort Premium Deductible / yr 120,– Deductible / yr 0,– Deductible / yr 0,– Months 1–24 month up to 29 yrs (€ / month) 27,50 34,– 48,– Months 1–24 month from 30 yrs (€ / month) 33,50 50,– 75,– From 25th month up to 29 yrs (€ / month) 49,50 57,– 73,– From 25th month from 30 yrs (€ / month) 55,– 73,– 99,– All prices per month/person in euros. Deductible applies per insurance year. Maximum entry age 40. As of 2026. [Care College — Overview](/en/insurance-plans/care-college/overview/) [Apply now](/en/insurance-plans/care-college/overview/) ### Care Student — GKV-equivalent (post-language course) GKV-equivalent solution with M10 notification — relevant on the switch into university studies, mainly for students over 30, GKV-exempt students and PhD candidates: Care Student Health insurance for students Compulsory long-term care for students Total 12–29 years 69,62 € / month 31,92 € / month 101,54 € / month 30–39 years 95,68 € / month 31,92 € / month 127,60 € / month All prices per month/person in euros. Health insurance deductible: €300 per calendar year. Entry age 12–39, term up to 60 months. Premium guarantee for the full term. As of 2026. [Care Student — Overview](/en/insurance-plans/care-student/overview/) [Apply now](/en/insurance-plans/care-student/overview/) **Note on the 12–29 age row:** Care Student is technically open from age 12 per HanseMerkur terms — but in practice it is used by students **over 30**, GKV-exempt students and PhD candidates. Under-30s without exemption are normally **statutorily insured** (e.g. DAK-Gesundheit, from €135.52/month). Care Student only replaces the GKV after a valid exemption under § 8 SGB V. ### DAK-Gesundheit — three statutory student tariffs (post-language course) All three GKV variants include automatic M10 notification to the university — they only take effect from immatriculation: Insured benefits DAK-Gesundheit Bestseller DAK + Garantietarif 120 DAK + Fit & Travel up to age 23 €145.52 / month €145.52 €135.52 / month €145.52 / month up to age 29, childless €150.65 / month €150.65 €140.65 / month €150.65 / month up to age 29, with 1 child €145.52 / month €145.52 €135.52 / month €145.52 / month Bonus / extra benefit — saves €120/year free for under 39 Contribution incl. long-term care insurance (childless from age 23). Garantietarif 120: €120 contribution refund per year if no claims are filed. Fit & Travel: free for insured persons under 39. Entry age up to 29, term for the duration of studies (max. 14 specialist semesters / age 30). As of 2026. [DAK Students — Overview](/en/insurance-plans/dak-gesundheit/overview/) [Apply now](/en/insurance-plans/dak-gesundheit/overview/) Sources: DAK-Gesundheit contribution statement 2025, Care Concept AG tariff tables 2024/25, HanseMerkur AVB. The exact price is calculated in the online application. [Care College overview](/en/insurance-plans/care-college/overview/) [Care Student overview](/en/insurance-plans/care-student/overview/) [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) ## Frequently Asked Questions Can I use my language course insurance for the student visa application? Yes — care College provides an insurance certificate (Versicherungsbestätigung) accepted by most German embassies for the national visa (D-Visum, § 16f AufenthG). Make sure your policy covers the entire course period plus the arrival date. You receive instant PDF confirmation via email — no waiting, no extra steps. How do I switch from language course insurance to student health insurance in Germany? When you enroll at a German university (Immatrikulation), you become eligible for statutory health insurance (GKV) at approximately €135.52/month. Plan your switch 4–6 weeks before semester start to avoid coverage gaps. [Care College can be cancelled monthly](/en/insurance-plans/care-college/overview/), making the transition seamless. What are the 5 typical mistakes with language-course insurance before studies in Germany? Care College from €27.50/month avoids traps 1–2. (1) Booking Care Visa Protect (max 92 days) instead of Care College for a 6-month course; (2) DAK-Studenten before enrolment — not yet eligible; (3) missing switch to GKV on matriculation day; (4) gap between Sprachkurs end and Studium start; (5) M10 not requested from DAK on enrolment. Is Care College accepted for the Sprachvisum in Germany? Yes — Care College is the recognised private tariff for the D-Visum Sprachkurs under § 16f AufenthG. From €27.50/month (up to age 29, Basic 1–24 months), it covers outpatient, inpatient and repatriation and issues an instant PDF certificate typically accepted by all German embassies. Can Care Visa Protect replace Care College for a 6-month language course in Germany? No — Care College (from €27.50/month, 1–60 months) is the recognised lane for the D-Visum Sprachkurs under § 16f AufenthG and provides the whole-period PDF the embassy needs. [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: August 30, 2026.