Price
From €27.50/mo
Care College Basic, age ≤29
Speed
PDF in minutes
Bilingual visa proof
Acceptance
Embassy & ABH
§ 16f AufenthG (case-by-case)
Health Insurance for Language School in Germany – Tariffs, Visa-Proof and Checklist
"Goethe-Institut Frankfurt: Care College PDF in the morning, consulate appointment in Osaka in the afternoon — in our case accepted without follow-up." — T. K. (Tokyo), language-course visa
Quotes from internal customer feedback, anonymised and shortened. Authority practice may vary case by case.
Plan: check course duration → pick the recognised tariff → bilingual PDF proof for the embassy, typically within minutes.
Popular with language-school students from — show country list
Pakistan (Islamabad, Karachi, Lahore), India (Delhi, Mumbai, Bengaluru, Hyderabad, Chennai), Bangladesh, Sri Lanka, Nepal, Türkiye, Iran, Iraq, Syria, Lebanon, Egypt, Morocco, Tunisia, Algeria, Nigeria, Ghana, Kenya, Ethiopia, the Philippines, Indonesia, Vietnam, Thailand, China, Brazil, Colombia, Mexico, Ukraine, Russia, Kosovo, Serbia, Bosnia, North Macedonia and Albania.
Care College · HanseMerkur · bilingual instant proof
No commitment · monthly cancellation · confirmation by email (typically immediate).
Quick answer: For a German language-course visa under § 16f AufenthG you need a private Incoming policy covering the entire course duration — Care College from €27.50/month (age ≤29) or €33.50/month (age 30+) is typically accepted by embassies and the Ausländerbehörde (case-by-case).
Not legal advice. Embassy practice may vary by post and applicant profile — final acceptance is decided case-by-case.
Indicative: a 4-week embassy delay can postpone an entire language-course start (€1,500–€3,500 in non-refundable course fees + visa-window risk) — Care College for the same 4 weeks: about €25–€33.
- Care College: from €27.50/month (Sprachkurs, recognised by school + embassy)
- Care Visa Protect: from €0.85/day (short Sprachkurs under 90 days, Schengen)
- Care Student: from €101.54/month (after immatriculation, 30+/exempt)
Sources: § 16f AufenthG (language-course visa) · § 5 AufenthG (insurance proof) · Care College AVB · HanseMerkur Versicherungsgruppe Hamburg · German Federal Foreign Office (Auswärtiges Amt)
Language-school students in Germany are not eligible for statutory health insurance (GKV) — that option only opens after official matriculation at a university. For an A1–C1 course, intensive German programme, DSH or TestDaF preparation, the embassy and the local Ausländerbehörde require a private Incoming policy that runs for the entire course duration under § 5 AufenthG.
The standard recognised tariff is Care College from €27.50/month (up to age 29) or €33.50/month (age 30+). Older students (30+) pay from €33.50/month (Basic, months 1–24) up to €99/month (Premium, months 25+) depending on the tier (Basic / Comfort / Premium). Stays from 1 to 60 months are possible, which covers a single intensive course up to a full multi-year language pathway.
Below: why GKV is closed for language students, the four embassy-acceptance criteria for Care College, the full price table by age and tier, the over-30 fallback (Care Student), and the clean handover from Care College to DAK or Care Student once you matriculate.
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
Over 10,000 policies issued · Since 2009
Booked a German language course? Pick the embassy-recognised tariff before your visa appointment.
Four mistakes that delay the language-course visa
Quick answer: "Why was my language-course visa rejected?" — most applicants stumble on one of four points: bought a Schengen travel policy instead of a course-duration tariff, picked GKV (DAK) which is not yet open to them, missed the requirement to cover the entire course period in one single contract, or used a home-country policy that the embassy does not accept. Care College removes all four by default.
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 happens if your language-course insurance gap is detected
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.
🇪🇺
€30,000 minimum
Schengen proof must be clear
Your certificate should clearly show the required coverage amount, Schengen validity, travel dates and repatriation benefits.
- 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 dates are fixed — secure the certificate before the visa appointment
Why act before the embassy appointment
Schengen visa insurance is not just a formality. Your proof should clearly show the required coverage, dates, validity area and repatriation benefits.
Appointments can be limited
If the proof is missing or unsuitable, preparing corrected documents can cost valuable time.
PDF certificate after application
Care Visa Protect provides the certificate by email after successful online application.
€30,000 minimum coverage
Schengen insurance should show at least €30,000 coverage plus medical repatriation for the Schengen Area.
From €0.85/day
Care Visa Protect starts from €0.85/day, with a minimum premium of €8.50 per trip.
From booking to embassy-ready certificate — in 3 steps
10 minutes online. PDF certificate (English/German, IBAN-stamped) for the embassy and the Ausländerbehörde. Cover starts on the day you choose — typically your flight date or the first day of your language course.
Schengen-ready in 3 steps
Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.
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Pick the right plan
Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays.
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Apply online
Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required.
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Submit your proof
Receive the PDF certificate after successful online application and submit it with your visa or authority documents.
What language-school students say about Care College during A1–C1 / DSH / TestDaF preparation
“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
Cameroon
“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
Russia
“Found the best solution and best service for health insurance for foreign visitors and guests in Germany.
Fast, simple and affordable.
Highly recommended!”
Michael
Germany
“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
Australia
Now choose your plan
Recommended tariffs for language-school students
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
→ Complete the application, receive your instant PDF, submit your proof
Care Student
from €101.54 / month (coverage up to 5 years)
For international students in Germany: bachelor's, master's, doctoral studies & eligible university enrollment cases
- Accepted for university enrollment – electronic M10 notification
- Health insurance + mandatory long-term care insurance from €101.54/month
- Save at least €50/month compared with statutory student health insurance
- For bachelor's, master's, doctoral studies & eligible university enrollment flows
- Private-patient status: free choice of doctor, often faster appointments
- Doctor, hospital, prescription medication & dental treatment coverage
- Support with exemption from statutory health insurance
- Recognized by universities and immigration authorities
- Coverage term up to 5 years · entry age 12–39
- Reputable insurance carrier
Why Care Student?
For international students in Germany who need private health insurance for enrollment, M10 notification and proof of coverage for authorities — with strong benefits and potential savings compared with statutory health insurance.
Why a 5-year coverage term?
More planning security during your studies: less renewal stress and a lower risk of a coverage gap during a bachelor's, master's, doctoral program or eligible university enrollment case.
- 🏛️ HanseMerkur Insurance AG
- 📄 M10 notification + proof for universities & immigration authorities
- 🔒 Doctor, clinic, dental treatment & prescription medication
- 🏷️ From €101.54 / month · coverage up to 5 years
→ Complete the application, secure your M10 notification, prepare for enrollment
Only attending a very short language course (≤92 days) on a Schengen visa? Care Visa Protect from €0.85/day (min €8.50) covers Schengen-compliant emergency cover (€50,000 medical + repatriation) for short summer schools and Goethe intensive weeks.
Already matriculated at a German university? Switch to DAK-Gesundheit or Care Student. Need a blocked account for the visa funds requirement? Blocked account (Sperrkonto) from €4.90/month covers the language-student visa funds proof.
Care College — all language-course rates by age & tier
Quick answer: Care College starts at €27.50/month (up to age 29, Basic months 1–24) and €33.50/month for age 30+. Older students pay from €33.50/month (Basic) up to €99/month (Premium 25+ Mo) depending on the chosen tier. Up to 60 months total cover — recognised for the language-course visa under § 16f AufenthG.
| Care College |
Basic
|
BestsellerComfort
|
Premium
|
|---|---|---|---|
|
Deductible / yr
120,–
|
Deductible / yr
0,–
|
Deductible / yr
0,–
|
|
| Months 1–24 monthup to 29 yrs (€ / month) | 27,50 | 34,– | 48,– |
| Months 1–24 monthfrom 30 yrs (€ / month) | 33,50 | 50,– | 75,– |
| From 25th monthup to 29 yrs (€ / month) | 49,50 | 57,– | 73,– |
| From 25th monthfrom 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 Student — fixed €101.54/month for 30+ language-track
Quick answer: Over 30 and on a longer language-preparation pathway? Care Student costs €101.54/month all-in (CCS health + PVN supplement + Pflegeversicherung) and is the GKV-equivalent recognised tariff for ages 12–39, up to 60 months.
| 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.
Language-school insurance by country of origin
Care College is bought online from anywhere in the world; the bilingual certificate is typically accepted at every German embassy that processes the language-course visa under § 16f AufenthG. Embassy practice can vary by post — final acceptance is decided case-by-case.
| From | Typical embassy / consulate | Recognised tariff |
|---|---|---|
| India | New Delhi · Mumbai · Chennai · Bengaluru · Kolkata | Care College from €27.50/mo |
| China | Beijing · Shanghai · Guangzhou (APS verification first) | Care College from €27.50/mo |
| Brazil | São Paulo · Rio de Janeiro · Porto Alegre · Recife | Care College from €27.50/mo |
| Turkey | Istanbul · Ankara · Izmir | Care College from €27.50/mo |
| Vietnam | Hanoi · Ho Chi Minh City (TestAS often required) | Care College from €27.50/mo |
| Egypt | Cairo · Alexandria | Care College from €27.50/mo |
| Indonesia | Jakarta · Surabaya | Care College from €27.50/mo |
| Colombia | Bogotá · Cali · Medellín | Care College from €27.50/mo |
Frequently asked questions about language-school health insurance in Germany
Frequently Asked Questions
Why not use DAK-Gesundheit for a language school?
GKV is only available for matriculated university students — language-school participants must use a private Incoming insurance like Care College.
Does Care College count for my later student visa?
Care College is accepted for the language-course visa. Once you start the actual degree, you switch to DAK-Gesundheit (under 30) or Care Student.
Which tier do I need?
Most embassies accept the Basic tier for the language-course visa. Comfort and Premium add extras like single hospital room and dental — choose based on your personal needs.
Does Goethe-Institut, Carl Duisberg or DID accept Care College?
In our experience yes — Care College is a HanseMerkur Incoming policy that meets § 5 AufenthG insurance proof, and the bilingual German/English certificate is typically accepted by Goethe-Institut, Carl Duisberg Centren, DID Deutsch-Institut and other major language schools for the Sprachkursvisum. Final acceptance is decided case-by-case by the school's enrolment office.
How long does the German language-course visa (§ 16f AufenthG) take?
Embassy processing for the Sprachkursvisum typically takes 4–8 weeks, sometimes longer at high-volume posts (Delhi, Lagos, Tehran, Bogotá). You can only book the visa appointment with a valid insurance certificate, so buying Care College early (PDF within minutes) is what unblocks the embassy slot.
Over 10,000 policies issued · Since 2009