Preparatory College (Studienkolleg) Health Insurance in Germany
- Care College: from €27.50/month (Studienkolleg, recognised by Ausländerbehörde + Kolleg)
- DAK-Gesundheit: from €135.52/month (after university immatriculation, under 30)
- Care Student: from €101.54/month (after immatriculation, 30+/GKV-exempt)
Sources: § 16b AufenthG (study-preparation visa, incl. Studienkolleg) · § 5 AufenthG (insurance proof) · KMK Studienkolleg framework (T/M/W/G/S courses, FSP) · Care College AVB · HanseMerkur Versicherungsgruppe Hamburg
Studienkolleg students are not yet matriculated at a German university — therefore statutory health insurance (GKV) is not yet available. For the T-, M-, W-, G- or S-course (and the final Feststellungsprüfung / FSP), the embassy and the local Ausländerbehörde require a private Incoming policy that runs for the full Studienkolleg 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 Studienkolleg attendees (30+) pay from €33.50/month (Basic, months 1–24) up to €99/month (Premium, months 25+), depending on the tier (Basic / Comfort / Premium). Up to 60 months of cover — comfortably above the typical 12–24 month Studienkolleg curriculum.
Below: why Studienkolleg students cannot yet use GKV, the embassy-acceptance criteria, the full Care College price table by age and tier, the over-30 fallback (Care Student), and the clean handover to DAK-Gesundheit on the first day of your actual degree matriculation after FSP.
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
Studienkolleg place confirmed? Pick the embassy-recognised tariff before your visa appointment.
Four mistakes that delay the Studienkolleg admission
Quick answer: "Why was my Studienkolleg admission delayed?" — most applicants stumble on one of four points: bought a 90-day Schengen travel policy instead of a 12–24 month Studienkolleg-duration tariff, tried to register with DAK (GKV) before matriculation, missed the requirement to cover the entire Studienkolleg + FSP period in one single contract, or used a home-country policy that the Studienkolleg 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 Studienkolleg 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.
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€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.
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€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.
Studienkolleg 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) for the embassy and the Ausländerbehörde. Cover starts on the day you choose — typically your flight date or the first day of the Studienkolleg semester.
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 Studienkolleg attendees say about Care College for the § 16b study-preparation visa
“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 Studienkolleg attendees
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
Once you pass the FSP and matriculate at your degree programme, switch to DAK-Gesundheit from approx. €135.52/month (statutory student insurance under 30) or Care Student at €101.54/month for over-30s and PhD candidates.
Doing a German language course before Studienkolleg? Language-school health insurance from €27.50/month. Already matriculated? Switch to international-student GKV/Care Student. Need a blocked account? Blocked account (Sperrkonto) from €4.90/month. Or browse the foreign-student health-insurance overview.
Care College — all Studienkolleg rates by age & tier
Quick answer: Care College starts at €27.50/month (up to age 29) and €33.50/month (age 30+, Basic months 1–24). Older attendees pay from €33.50–99/month depending on tier and contract month. Up to 60 months total cover — recognised for the Studienkolleg study-preparation visa under § 16b 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+ Studienkolleg track
Quick answer: Over 30 and combining Studienkolleg with a longer preparation track? 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.
Frequently asked questions about Studienkolleg health insurance in Germany
Frequently Asked Questions
Is GKV available during the Studienkolleg?
No — GKV is only available after official matriculation at a German university. During Studienkolleg you must use a private Incoming insurance like Care College.
Which tier does the Studienkolleg accept?
Every tier (Basic, Comfort, Premium) is accepted as long as the certificate confirms valid health insurance for the course duration.
When should I switch to GKV?
On the first day of your university enrolment — GKV (DAK-Gesundheit) starts that day with M10 e-notification, and Care College ends the day before.
Over 10,000 policies issued · Since 2009