# What Is the Best Health Insurance for Students in Germany? (2026) > Student health cover in Germany: the statutory student rate of EUR 146.29 a month at TK (2026), the age-30 rule, and incoming policies for the gap before enrolment, ranked on a student weighting. By Jules de Bruin · URL: https://www.guide-germany.com/insurance/health/best-for-students **The verdict** **** For students, **Expatrio Value Package (DR-WALTER incoming + TK/BARMER GKV bundle)** leads at **EUR 0/month** on the tested profile. Once you are enrolled, statutory student cover (**KVdS**) is compulsory: at **TK** it costs **EUR 146.29 a month** from age 23 without children and **EUR 141.16** below 23 (2026). The policies ranked here bridge the weeks before your [enrolment](/moving/student-visa). **Under 25, or turning 30** Under **25**and in education, you can stay free on a parent's statutory family insurance if your income stays at or below **EUR 565 a month** (EUR 603 in a minijob, 2026). The student rate ends with the semester in which you turn **30**; after that a [voluntary statutory rate](/insurance/health-insurance) applies, which TK puts at EUR 275.40 a month without children. ## Which health insurance is best for students? Sort byOur rankingMonthly premiumCoverSorted by **monthly premium**, not our recommendation. The default view is our ranking, weights published below. Sorted by **cover**, not our recommendation. The default view is our ranking, weights published below. #1 by monthly premiumEUR 0.00/month#1 by cover1 of 3 extras coveredExpatrio ### Expatrio Value Package (DR-WALTER incoming + TK/BARMER GKV bundle) 4.5One-stop visa package for non-EU students [Get a Expatrio quote](https://www.expatrio.com)Monthly premium?Monthly premium What the policy costs you per month. Quoted per animal and re-rated as it ages, so it is not fixed for the animal's life. EUR 0/monthWaiting period?Waiting period The gap between signing and the day cover starts. Anything that appears during it is never paid, not even later, so shorter is better. NoneDentalincoming: emergencies only; GKV phase: statutoryEnglish supportYesVisa acceptanceYes, package designed for German student/work visas; embassy-accepted incoming certificate plus GKV pre-confirmationMore detailsTested profileIncoming cover FREE during the gap months when bundled with TK/BARMER membership; GKV then at student rate (TK EUR 146.29 / BARMER EUR 151.42, 23+ childless 2026). For non-students 30-44: Expatrio-arranged private cover from EUR 129/mo; 45-59 from EUR 166/moPre-existing conditionsIncoming phase: excluded; GKV phase: fully coveredClaimsExpatrio portal / fund appsPremium varies byage band, GKV fund choice, student vs non-studentMinimum termNonePrices as of August 2026, verify on the provider site. Pros - Free incoming insurance in the arrival gap - Blocked account + insurance in one checkout Cons - GKV fund locked to TK/BARMER in the bundle Best for Students who want the strongest overall fit. ExpatrioExpatrio Value Package (DR-WALTER incoming + TK/BARMER GKV bundle)EUR 0.00/month#2 by cover0 of 3 extras coveredDR-WALTER ### DR-WALTER educare24 / Provisit (incoming health cover) 4.4Standard incoming product for language/prep-course students [Get a DR-WALTER quote](https://www.dr-walter.com)Monthly premium?Monthly premium What the policy costs you per month. Quoted per animal and re-rated as it ages, so it is not fixed for the animal's life. EUR 34.50/monthWaiting period?Waiting period The gap between signing and the day cover starts. Anything that appears during it is never paid, not even later, so shorter is better. NoneDentalemergency/pain reliefEnglish supportYesVisa acceptanceYes, embassy- and Ausländerbehörde-accepted for students, language learners, au pairs, exchange visitorsMore detailsTested profileeducare24 S EUR 34.50/mo; educare24 M EUR 39/mo (age 30+); Provisit Student EUR 79/mo (under 29) / EUR 129 (30-45), 2026 tariff tablePre-existing conditionsExcluded (incoming tariff norm)Claimsonline portalPremium varies byage, tariff line, deductibleMinimum termNonePrices as of August 2026, verify on the provider site. Pros - 65+ years of incoming-insurance specialisation - University-recommended (e.g. Coburg University guide) Cons - Pre-existing conditions excluded Best for Students who need a different insurer or price point. DR-WALTERDR-WALTER educare24 / Provisit (incoming health cover)EUR 34.50/month#2 by monthly premiumEUR 26.00/month#3 by cover0 of 3 extras coveredCare Concept ### Care Concept (Care Discover incoming / Care College students) 4.2Cheapest named student incoming product (EUR 26/mo) [Get a Care Concept quote](https://www.careconcept.com)Monthly premium?Monthly premium What the policy costs you per month. Quoted per animal and re-rated as it ages, so it is not fixed for the animal's life. EUR 26/monthWaiting period?Waiting period The gap between signing and the day cover starts. Anything that appears during it is never paid, not even later, so shorter is better. NoneDentalemergencies/pain reliefEnglish supportYesVisa acceptanceYes, incoming tariffs accepted by German embassies for national visas and by Ausländerbehörde for defined temporary staysMore detailsTested profileCare College Basic EUR 26/mo (under 30) / EUR 32 (30+, first 24 months); Care Discover incoming for foreign guests from ~EUR 1.39/day (2026 tariff pages)Pre-existing conditionsExcludedClaimsonlinePremium varies byage, tariff, durationMinimum termNonePrices as of August 2026, verify on the provider site. Pros - Care College Basic from **EUR 26**/mo for students under 30 - Long-stay incoming cover up to several years Cons - Pre-existing conditions excluded Best for Students who need a different insurer or price point. Care ConceptCare Concept (Care Discover incoming / Care College students)EUR 26.00/monthFeather ### Feather Expat / Incoming Health Insurance 4.7Bridges visa phase for language students and pre-enrolment [Get a Feather quote](https://feather-insurance.com)Monthly premium?Monthly premium What the policy costs you per month. Quoted per animal and re-rated as it ages, so it is not fixed for the animal's life. EUR 72/monthWaiting period?Waiting period The gap between signing and the day cover starts. Anything that appears during it is never paid, not even later, so shorter is better. 0 for accidents; plan-specific for illnessDentalaccidents and pain relief onlyEnglish supportYesVisa acceptanceYes, German embassies and Ausländerbehörde for national visas/residence (first arrival phase); NOT a substitute for employment-based long-term coverMore detailsTested profileBasic EUR 72/mo; Premium EUR 134/mo (2026, adult under ~40; max term 5 years; EU/Schengen-wide; home-country visits up to 6 weeks/year after year 1)Pre-existing conditionsNOT covered, only conditions arising after policy start; psychotherapy, check-ups and routine dental excludedClaimsFeather app, EnglishPremium varies byage band, plan (Basic/Premium)Minimum termNonePrices as of August 2026, verify on the provider site. Pros - Buy online in English before arrival, no Anmeldung needed - Visa certificate issued instantly Cons - Pre-existing conditions excluded entirely Best for Students who need a different insurer or price point. FeatherFeather Expat / Incoming Health InsuranceEUR 72.00/monthHanseMerkur ### HanseMerkur Young Travel (incoming for foreign students/guests in Germany) 4.5Test-winning long-stay incoming cover [Get a HanseMerkur quote](https://www.hansemerkur.de)Monthly premium?Monthly premium What the policy costs you per month. Quoted per animal and re-rated as it ages, so it is not fixed for the animal's life. EUR 36/monthWaiting period?Waiting period The gap between signing and the day cover starts. Anything that appears during it is never paid, not even later, so shorter is better. NoneDentalemergencies in Basic; broader in ProfiEnglish supportYesVisa acceptanceYes, direct BaFin-licensed insurer; embassy-accepted incoming certificatesMore detailsTested profileUnder-35 incoming guests: Basic ~EUR 36/mo, Profi ~EUR 53/mo equivalent (day-rated: ~EUR 1.15-2.99/day depending on direction, tier and month 13+; reiseversicherung.com tariff listing 2026)Pre-existing conditionsExcludedClaimsapp/onlinePremium varies byage, tier (Basic/Profi), duration (rates rise from month 13)Minimum termNonePrices as of August 2026, verify on the provider site. Pros - Finanztest 05/2026 'sehr gut (1.0)' for Profi tier - Direct insurer, not a broker Cons - Rates rise from month 13 Best for Students who need a different insurer or price point. HanseMerkurHanseMerkur Young Travel (incoming for foreign students/guests in Germany)EUR 36.00/month#3 by monthly premiumEUR 28.00/monthMAWISTA ### MAWISTA (incoming health insurance: Classic/Comfort/Premium) 3.6Cheapest, but check claim reviews first [Get a MAWISTA quote](https://www.mawista.com)Monthly premium?Monthly premium What the policy costs you per month. Quoted per animal and re-rated as it ages, so it is not fixed for the animal's life. EUR 28/monthWaiting period?Waiting period The gap between signing and the day cover starts. Anything that appears during it is never paid, not even later, so shorter is better. NoneDentalemergencies; Premium adds moreEnglish supportYesVisa acceptanceYes for visas; CAUTION: independent expat guides (insurancy.de 2025) flag 'mixed claim reports', verify recent claim reviews before choosingMore detailsTested profileAge 18-29: Classic EUR 28 / Comfort EUR 36 / Premium EUR 74 per month; age 30-40: EUR 44 / 56 / 104 (2026 tariff page)Pre-existing conditionsExcludedClaimsonlinePremium varies byage band, tier, durationMinimum termNonePrices as of August 2026, verify on the provider site. Pros - Cheapest headline incoming rate (**EUR 28**/mo, 18-29) - Three clear tiers Cons - Mixed claim-payment reports in expat guides Best for Students who need a different insurer or price point. MAWISTAMAWISTA (incoming health insurance: Classic/Comfort/Premium)EUR 28.00/monthAlso a strong fit ## Compare two insurers Head-to-heads computed from the catalogue's structured fields. [TK vs BARMERTK is the cheaper fund on every recorded figure: a 2.69% Zusatzbeitrag against 3.29%, EUR 386.57 a month against EUR 397.07 on the same 2026 employee profile, and EUR 146.29 against EUR 151.42 for students.](/insurance/compare/tk-vs-barmer)[TK vs hkkhkk is EUR 1.75 a month cheaper on the tested 2026 profile, from a 2.59% Zusatzbeitrag against TK's 2.69%.](/insurance/compare/tk-vs-hkk)[Getsafe vs FeatherThe cover is the same on both sides: EUR 50 million with a EUR 150 excess, a 0-month waiting period and monthly cancellation.](/insurance/compare/getsafe-vs-feather)[HUK24 vs Adam RieseAdam Riese is cheaper at EUR 23.92 a year against EUR 34, carries no excess against HUK24's EUR 150 and cancels with no notice against 3 months.](/insurance/compare/huk24-vs-adam-riese)[Feather Expat vs DR-WALTERDR-WALTER is the cheaper entry at EUR 34.50 a month for educare24 S against Feather's EUR 72 Basic, and states a 0 waiting period where Feather's illness waiting period is plan-specific.](/insurance/compare/feather-expat-vs-dr-walter)[Care Concept vs MAWISTACare Concept is cheaper at both recorded ages, EUR 26 a month under 30 against EUR 28 and EUR 32 against EUR 44 from age 30, and its visa record carries no caveat.](/insurance/compare/care-concept-vs-mawista)How we ranked this for students5 criteria, weights publishedA reader on a student budget is not the average reader, so this page does not use the average weights. **Cover breadth** carries **5%** here against **25%** on the general ranking, and **Eligibility** carries **25%** here against **15%** on the general ranking. The weights were fixed on **17 August 2026**, before the prices were collected. ### Criteria weighting Fixed 17 August 2026, before pricing was collectedMonthly premium*What the policy costs on the tested profile*****30%35%Waiting period*How long before the cover actually starts*****15%20%Eligibility*Whether it sells without local registration, and counts for a visa*****15%25%English support*Policy documents and claims in English*****15%15%Cover breadth*Dental, private room, outpatient: what is actually included*****25%5%** General ranking** This pageWeights total 100% on both. A blocker caps any score at 1.0. ## Every Policy We Compared The three above are picked from **10 incoming and expat health policies** in the catalogue by this reader's weighting. The full table lives on the price research page. [Compare every policy in the cataloguePremiums, waiting periods and cover side by side→](/insurance/price-research) --- Source: https://www.guide-germany.com/insurance/health/best-for-students Last updated: n/a Format: LLM-readable Markdown twin (.md) of the canonical HTML page.