Private, comprehensive health insurance coverage for scholarship holders and their spouses and children in Germany

Are you a scholarship holder or a postdoc at a German university? If so, you need to provide proof that you have health insurance coverage for the entire duration. The health insurance plan provided by DeGiS in partnership with Care Concept, is exactly the right choice for young and healthy scholarship holders and postdocs.

The Care Concept tariff (internally called Care Student G) is a group contract developed in collaboration with Care Concept. It is suitable for all scholarship holders who are enrolled as an undergraduate student or doctoral student at a university in Germany or for those who want to take part in a preparation language course or internship as a prerequisite for being accepted to a course of study.

Your insurer is HanseMerkur Krankenversicherung AG, which is a fully licensed Health Insurance.

Benefits at a glance*

Benefits / Coverage 
Outpatient medical treatment✔️
Inpatient treatment in the hospital (multi-bed room no optional services)✔️
Prescription medications✔️
Pregnancy examinations and treatments, delivery✔️
Dental treatment (up to EUR 500.00 per calendar year)✔️
Remedies (e.g. physical treatment, ergotherapy, massages), medical aids✔️
Daily hospital allowance (from the 15th day of a medically necessary hospital stay); max. 20 days✔️
Convalescence allowance (in the case of hospital stays of 14 days and a subsequent incapacity to work) (not for Care Student Family (plan CCF))✔️
Insurance coverage throughout Europe✔️
Insurance coverage outside Europe in the first month of the stay abroad✔️
Deductible per policy yearEUR 300

Apply here for your insurance online: quick, easy and either in English or German.

Care Concept’s strengths are your advantage

Premium contribution

The contribution rate varies depending on the insured person‘s age. There is a deductible of EUR 300.

Age (years)Premium Health insurancePremium long term care insuranceTotal Premium
Scholars (Tariff CCS)12 - 29€69.62€16.46€86.08
30 - 34€95.68€16.46€112.14
Spouse and children (Tarif CCF)0 - 34€144.74Depending on age, from €29,34Depending on age, from €174,08

Note: after a maximum of 60 months or when the age limit of 35 years has been reached, an adjustment to a KVS1 plan of HanseMerkur Krankenversicherung AG automatically takes place.

Apply here for your insurance online: quick, easy and either in English or German. 

* Please refer to the General Terms and Conditions of Insurance for more details regarding the extent of benefits granted. Please note any waiting periods.