All you need to know about Health Insurance for Scholarship holders, PhDs, Postdocs and self-funded Guest Scientists plus additional information like application and Blocked Account.
Decision tree: “Which Health Insurance to take?”
Name tariff | Care STUDENT G | DR-WALTER PROVISIT | DAAD – Continentale 790D | Hallesche BD1 |
---|---|---|---|---|
Insurer | Care Concept & Hanse Merkur | Barmenia | Continentale | Hallesche |
Acceptance group | Open for every scholarship holder. | Open for guest scientists (Guest Researcher, Doctoral and Post-Doctoral candidates, etc. – self-funded or with scholarship) | Open for every scholarship holder from DAAD partner universities. | Open for every scholarship holder. |
Acceptance age | Up to 34 years | No age limits | No age limits | Up to 64 years |
Health questionnaire | Detailed health questionnaire, surcharge, exclusion or rejection in case of pre-existing conditions. | Rejection of customers with the following pre-existing conditions in the past 3 years: HIV, cancer, kidney failure, blood disease or multiple sclerosis, alcohol/drug abuse, bronchial asthma, gastrointestinal disorder, depression, diabetes mellitus, epilepsy, heart disease, neurodermatitis, rheumatic disease, stroke, brain damage, lung disease, spinal and joint disorder, liver disease, or if in need of medical care. | Rejection of customers with the following pre-existing conditions: HIV, cancer, kidney failure, blood disease or multiple sclerosis. | No health questionnaire. Open to all applicants, also with severe pre-existing conditions and ongoing treatments. Has to be concluded within 6 weeks after arrival to Germany. |
Premium Health Insurance | Up to 29 years €69.62. Between 29 and 34 years €95.68 per month. €300.- deductible. | With scholarship: Up to 29 years €79.- Between 29 and 59 years €129.- per month. Self-funded stay: flat €150.- From 60 years €620.- No deductible. | Flat €190 per month. No deductible. | Between €182.25 and €513.18 per month, depending on age. No deductible. |
Premium Nursing Care Insurance (PVN) | Mandatory Nursing Care Insurance, costs depending on age. | Nursing Care Insurance not mandatory in every case – individual assessment. | Nursing Care Insurance mandatory for stay >6 months. | Mandatory Nursing Care Insurance, costs depending on age. |
Premium for spouse | Flat €144.74 per month. | Flat €150.- per month. | Same as main person insured. | Same as main person insured. |
Premium for children | Flat €144.74 per month. | Flat €99.- per month. | Flat €139.- until the age of 18. | Between €182,25 and €239,08 per month, depending on age. |
Other factors | Liability and accident insurance can be added for €6 per month. | Liability-, accident-, luggage-, and assistance insurance can be added for €6.60 per month. | Price includes liability and accident insurance. | Daily sickness allowance can be added, price depending on age. |
Conclusion.Suitable for: | Young and healthy scholarship holders with no or non-severe pre-existing conditions. | Guest scientists, also without scholarship, without certain severe pre-existing conditions. | Scholarship holders without certain severe pre-existing conditions. | Scholarship holders without certain severe pre-existing conditions. |
Link | Care Student G | DR-WALTER PROVISIT | DAAD | Currently not available |