Tariffs in the higher-education area
These tariffs are typically used by people enrolled at a German university or college (Bachelor's or Master's). Common options are private health insurance (Care Student) or statutory health insurance (DAK).
According to the provider, all the private health insurance plans from Care Concept in this section meet the usual requirements for proof of insurance in a Schengen visa application. Decisive are the provider's own information and the requirements of the respective embassy or authority.
Care Student
– at the doctor.
- ✓ – free choice of doctor
- ✓For university ()
- ✓Often cheaper from age 30
- ✓
Redirect to care-concept.de – the contract is concluded there.
View terms (AVB)DAK + Garantietarif 120
Statutory insurance – €120 annual refund.
- ✓
- ✓ (subsidy)
- ✓Long-term care insurance included
- ✓Effective €10/month savings
- ✓Health card
Redirect to care-concept.de – the contract is concluded there.
Legal basis (SGB)DAK + Fit & Travel
Statutory insurance with worldwide travel coverage.
- ✓Worldwide travel insurance (up to 3 months)
- ✓Head physician treatment and single or double room (in case of accident)
- ✓€60 subsidy for fitness or a smartwatch
- ✓
- ✓Long-term care insurance included
Redirect to care-concept.de – the contract is concluded there.
Legal basis (SGB)DAK Garantietarif 120
You receive €120 back once per year – an effective €10/month saving. Requirement: at least 3 years of DAK membership (except when returning to your home country).
DAK Fit & Travel
Completely free up to age 39 – with 3 years minimum membership. Worldwide travel coverage, head-physician treatment after accident, €60 subsidy for fitness or a smartwatch.
How to choose: the application always goes through DAK Standard. Whether you want DAK Standard, DAK + Fit & Travel or DAK + Garantietarif 120, you state this directly in the application at the provider. The optional tariffs are add-ons to DAK membership and are not applied for separately.
Detail comparison
Neutral side-by-side view of publicly available tariff features (data source: care-concept.de). No recommendation of individual tariffs. All information without warranty.
| Benefit | Care Student | DAK + Garantietarif 120 | DAK + Fit & Travel |
|---|---|---|---|
| Type | Care Student | DAK | DAK |
| ~55–100 € | ≥ 135,52 € | ≥ 145,52 € | |
| at the doctor | ✅ | ❌ | ❌ |
| For () | ✅ | ✅ | ✅ |
| ❌ | ✅ | ✅ | |
| ❌ | ✅ | ✅ | |
| Travel vaccinations | ❌ | ✅ | ✅ |
| Long-term care insurance included | ❌ | ✅ | ✅ |
| €120 annual refund | ❌ | ✅ | ❌ |
| Worldwide travel insurance (up to 3 months) | ❌ | ❌ | ✅ |
| Head physician treatment and single or double room (in case of accident) | ❌ | ❌ | ✅ |
| €60 subsidy for fitness or a smartwatch | ❌ | ❌ | ✅ |
| Health card | ❌ | ✅ | ✅ |
| ❌ | ✅ | ✅ | |
| 300 € | ❌ | ❌ |
DAK Studierende — premiums (as of 1 Jan 2026)
| Age | Standard | + Garantietarif 120 (effective) | + Fit & Travel |
|---|---|---|---|
| up to 23 y. | €145.52/mo. | ~€135.52/mo. | €145.52/mo. |
| up to 29 y. (no children) | €150.65/mo. | ~€140.65/mo. | €150.65/mo. |
| up to 29 y. (1 child) | €145.52/mo. | ~€135.52/mo. | €145.52/mo. |
Team Education
Responsible for: Care Student · DAK Student
These are the contact details of Care Concept AG. schengen-visa-insurance does not provide any advice.
All prices, tariffs and contributions shown on this page are non-binding reference values in Euro (€) and refer to the conditions published by Care Concept AG and DAK-Gesundheit. Changes, adjustments and deviations are possible at any time. Only the current prices, tariffs and terms of the respective insurer at the time the contract is concluded apply.