Insurable Persons

Students who are enrolled at state or state-recognized universities in the Federal Republic of Germany as well as students of preparatory courses, language school participants and interns are insured if the language course or internship is a prerequisite for taking up a course of study. School students and doctoral students are also insured. Insured persons who are obligated to pay into the social security system also receive mandatory long-term care insurance.
Entry age: 12 to 34 years old.

Scope of insurance coverage

The health insurance Care Student applies during the stay

• within Germany;
• furthermore within Europe.
• plus coverage worldwide in the first month.
  
  

Duration of coverage

With Care Student, you enjoy unlimited insurance coverage with a maximum duration of coverage of 60 months. After 60 months an adjustment to plan KVS1 of HanseMerkur Krankenversicherung AG follows WITHOUT the need to undergo another medical examination.

Care Student - All benefits at a glance^*

Health insurance
Benefits*	Care Student
Outpatient treatment by a doctor
Inpatient treatment at a hospital (standard care class - multiple-bed rooms - no optional benefits)
Prescription medications and transportation
Examinations and treatment by gynaecologists
Costs for treatment acc. to GOÄ/GOZ	up to 2.3 times the basic rate
Pregnancy examinations and treatments, delivery
Dental treatment	up to EUR 500.00, thereafter 50% per calendar year
Dental prosthesis and orthodontics	50 % up to EUR 500.00 per calendar year
Medical aids and remedies (therapies: light, physical, ergo, speech, massage)
Psychotherapy (outpatient)	at 70%, max. 50 meetings per calendar year
Daily hospital allowance (from the 15th day of a medically necessary hospital stay)	EUR 25.00 EUR per day, max. 20 days per calendar year
Convalescence allowance (for a hospital stay of 14 days and subsequent incapacity for work, at least 90 calendar days total)	EUR 1,500.00
Coverage in home country/abroad	Europe; non-European countries in the first month
Deductible	EUR 300.00 per calendar year
Guarantee of continued coverage
Premium guarantee for the entire duration of coverage**

*For a complete list of benefits see the general terms and conditions of insurance as well as the specific conditions for your rate.
**Applies only to health insurance, not to mandatory long-term care insurance. Exception: There is a jump in the premium at the age of 30.