Health Insurance (Krankenversicherung)
Care Concept Review (2026)
Best for: Students over 30 who need affordable insurance, or budget-conscious students who want the lowest premium
Setup fee
€0.00
Monthly fee
€35.70
Setup time
Online application, confirmation within 1-2 business days
Languages
EN, DE, ZH, ES, FR
Mobile app
No
Key Features
- Lowest premiums from €35.70/month (Care College Basic)
- Designed specifically for international students
- No age limit — works for students over 30
- Full English application and support
- Accepted by most universities and Ausländerbehörden
- Repatriation coverage included
- Multiple tiers: Basic, Comfort, and Premium
Limitations
- Private insurance — not accepted by all Ausländerbehörden for residence permits
- Basic plan has limited coverage (no dental, limited mental health)
- No mobile app
- Must switch to public insurance if you get a student job (>20hrs/week)
- Deductibles on lower plans
Pricing Plans
Care College Basic
€35.70/month
€428.40/year
- Inpatient hospital treatment
- Outpatient doctor visits
- Emergency dental (pain relief only)
- €50 deductible per claim
- Repatriation included
Care College Comfort
€62.00/month
€744.00/year
- Everything in Basic
- Dental treatment included
- Prescriptions covered
- €25 deductible per claim
- Pregnancy/maternity basics
Care College Premium
€89.00/month
€1068.00/year
- Everything in Comfort
- No deductible
- Mental health coverage
- Dental prosthetics
- Preventive care
- Closest to public insurance coverage
Eligibility
Who can use Care Concept?
| Requirement | Status | Notes |
|---|---|---|
| nationality: non eu | Accepted | Designed for non-EU internationals |
| nationality: eu citizen | Accepted | EU citizens also accepted |
| visa type: student visa | Accepted | Primary target audience |
| visa type: language course visa | Accepted | Ideal for language course students |
| visa type: job seeker visa | Accepted | Short-term coverage available |
| language: no german required | Accepted | Full process in English |
| credit check: schufa not required | Accepted | No SCHUFA needed |
About Care Concept
Care Concept specializes in private health insurance for internationals in Germany. Their Care College plans are designed specifically for students — starting from €35/month, they're the most affordable option. Essential for students over 30 who cannot join public insurance.
User Reviews
Real experiences from people who used Care Concept.
No reviews yet for Care Concept. Be the first to share your experience!
Write a Review
Used Care Concept? Help other internationals by sharing your experience.
Alternatives to Care Concept
TK (Techniker Krankenkasse)
Setup: €0 | Monthly: €117.34
Students under 30 who want Germany's most popular insurer with the best digital experience
AOK
Setup: €0 | Monthly: €118.93
Students who prefer in-person service and live near an AOK office
Barmer
Setup: €0 | Monthly: €119.53
Health-conscious students who value bonus programs and telemedicine
Ready to get started?
Open Account with Care ConceptSome links on this page are affiliate links. We may earn a commission if you sign up — at no extra cost to you. This does not influence our rankings.