Care Student Health Insurance It is considered one of the most prominent private health insurance options for international students in Germany, as it provides coverage recognized by official authorities and German embassies. This insurance is characterized by the possibility of using it as an alternative to government student health insurance in some cases. It is also distinguished by subscription flexibility and ease of use during or before studies. In this guide, we explain the core benefits, coverage, target groups, and the difference between it and government insurance in Germany.
What is Care Concept health insurance company?
Care Concept Health Insurance was founded over 25 years ago as a German company specializing in providing health insurance packages not only for residents in Germany, but also for travelers outside their home country, having evolved to become a leading brand in the field of international health insurance.
The company aims to make the costs of medical treatment abroad manageable and securely covered, while also providing flexible health insurance that suits short, medium, and long-term stays based on different travel purposes such as tourism, study, work, and others.
Health insurance from a Sharia perspective
In Islam, health insurance is one of the contemporary financial transactions concerning which scholars have differed in ruling. The fatwa depends on the insurance system and the nature of its framework. A large segment of scholars holds the view that insurance is permissible if it is cooperative insurance based on the principle of solidarity and shared risk-bearing without ambiguity (gharar) or usury (riba). Accordingly, they consider health insurance impermissible if it is purely commercial and relies on unfair profit or significant ambiguity.
It should be noted that all health insurances provided by Care Concept are commercial health insurances. Therefore, the explanation of these insurances in this article falls within the framework of cases where a person is forced to obtain health insurance for legal, administrative, or financial reasons, in accordance with the Islamic jurisprudence rule "necessities permit the prohibited." Therefore, if there is complete freedom of choice, a person can look for other alternatives. There are many alternatives such as cooperative or Takaful insurance systems or healthcare systems that comply with Sharia guidelines, depending on what is available in the country of residence.
Features of Care Concept health insurance
Care Concept offers a wide range of health insurance packages that meet the needs of various groups of people coming to Germany or traveling abroad. The insurance packages include special offers for German language students, as well as bachelor's, master's, and doctoral students. Trainees in vocational training programs (Ausbildung) and healthcare professionals such as doctors, pharmacists, and nurses can also obtain suitable insurance with Care Concept. In addition, Care Concept packages serve job seekers via the Opportunity Card (Chancenkarte), as well as tourists, visitors, business people, and freelancers.
Care Concept is distinguished by the diversity of its health insurance programs in terms of the duration of stay, as it provides suitable insurance packages for short visits such as Schengen visas. In addition, it offers other packages dedicated to long stays such as study and work, like the 16d visa for healthcare professionals. At the same time, the company offers multiple price options and varying ranges of health coverage. Therefore, each person can choose the insurance that suits them according to their needs and budget. All procedures for subscribing to health insurance packages are done online through quick and easy steps.
Public and private health insurance system in Germany
Health insurance is mandatory for everyone residing in Germany. Therefore, German embassies require a health insurance document either during the visa interview or when the visa is printed in the passport. This requirement aims to ensure that residents on German territory receive the necessary medical care.
The health insurance system in Germany is based on two main types: public insurance and private insurance. Most employees and university students are required by law to have public health insurance. In contrast, private health insurance provides alternative solutions for specific groups. The target groups include the unemployed, international students, visitors, and freelancers, depending on residency conditions and legal status.
Care Concept health insurance falls under the category of private health insurance. The company offers various solutions for students, travelers, expatriates, and people residing temporarily in Germany or abroad. Despite the diversity of Care Concept's private health insurance packages, they are not a permanent substitute for statutory health insurance. A person becomes obligated to switch to statutory health insurance when starting employment or when enrolling in a study program that requires it. Therefore, choosing the appropriate insurance depends on the purpose of stay and the academic or professional status within Germany.
[How to register for this insurance is explained in the article: BARMER public health insurance in Germany].
When should one switch from private to public health insurance in Germany?
In the case of employment, whether part-time or full-time, or university enrollment for bachelor's and master's students, the person must switch to government insurance.
There are two situations in which one must switch from private insurance to government insurance:
University and master's students
The first case concerns students affiliated with the university, such as bachelor's and master's students. It is well known that private insurance provides health coverage during the German language study phase before starting university. In other words, it allows one to continue with this insurance as long as the person is not officially enrolled in the university. Accordingly, the person becomes obligated to switch from private insurance to public health insurance when starting university studies in Germany.
Care Concept offers this procedure in a simple and fast manner. First, the person chooses to register for private health insurance such as Care College. Afterwards, the insurance company registers the person in the public health insurance from their home country. This is done without the need for an address within Germany, so that this public insurance begins upon entering the university. After applying, the person receives an electronic insurance certificate via email, which they use when applying for the visa at the German embassy. The insurance company then communicates electronically with the university via the M10 system in order to confirm the registration in the public health insurance when the student starts entering the university.
Exemption from government student insurance through Care Student insurance
It is not always necessary for a student in Germany to switch from private insurance to public insurance. For example, Care Student insurance allows many students to remain with private insurance and obtain an exemption from public health insurance (Befreiung). This option helps reduce a portion of monthly costs, as Care Student insurance is less expensive than public insurance, making it a suitable and economical choice for international students.
For more details, you can read the article Care Student: The alternative to public health insurance for students in Germany to learn about its benefits, how to register for it, and the target groups
Employees and trainees
Regarding the second case, it is related to work and trainees in Ausbildung programs. The person can continue with private insurance until starting a part-time (Teilzeit) or full-time (Vollzeit) job in Germany. After starting the part-time or full-time job, the person must switch to public health insurance (Gesetzliche Krankenversicherung).
In contrast, this condition does not apply to work Mini-job. Because this type of work does not require switching to public health insurance. Therefore, a person working a Mini-job can continue with private insurance, such as Insurance Care College or Care Student Without the need to change the insurance.
It is important that a person is not registered in the government health insurance by their employer, because the employer often chooses the cheapest option in order to reduce the costs of which they bear a part within the insurance system. Therefore, it is preferable for a person to register for government health insurance themselves directly online.
When can I switch insurance? Governmental To private insurance in Germany?
Transition from insurance Governmental My students
The age factor is important for registration and transfer in government student insurance:
- If you are under 29 years old, you can get government student health insurance through one of the approved companies mentioned earlier.
- If you are over 29 years old, you cannot register for the special government student health insurance. You therefore need to switch to Care Student Insurance.
Transition from insurance Governmental Work-related
A person can, after or before the end of their employment depending on their insurance status, notify the government health insurance company of their wish to terminate their membership. This usually requires providing proof of alternative health insurance, such as private health insurance provided by Care Concept As explained in the previous paragraph, after reviewing the documents and meeting the required conditions, the government insurance is officially terminated and transitioned to private health insurance.
What is Private health insurance in Germany؟
The private health insurance system in Germany includesPrivate Health Insurance – PKVmany specialized companies. These companies offer different packages in terms of coverage, subscriptions, and additional services provided to the insured.
Private health insurance in Germany differs from government health insurance, as it allows individuals to choose the level of coverage based on their needs and legal status. Therefore, it is an important option for newcomers during transitional periods before starting their studies or work.
Private health insurance companies offer plans for multiple categories such as students, doctors, pharmacists, Schengen visa holders, and vocational training programs. The use of this insurance continues until the conditions for transitioning to government health insurance are met.
Therefore, private health insurance can be considered a temporary solution or a suitable alternative for specific groups in Germany during certain periods, such as international students before starting their studies, visitors, freelancers, and individuals who are not currently subject to public health insurance, depending on the residency conditions and legal status of each person.
Private Health Insurance Companies in Germany
One of the most famous private health insurance companies (Private Health Insurance – PKV) In Germany:
- Debeka
- HanseMerkur
- Allianz Private Health Insurance
- Care Concept
These companies offer various insurance solutions that differ according to the individual's needs and situation within Germany. These plans include different categories such as students, travelers, expatriates, and people staying in Germany for temporary periods, in addition to people who need private health insurance outside the public insurance system.
Regarding insurance Care Concept, dedicated a series to it Dr. Concept Within the private health insurance section, where I explain the most important packages offered by the company, the subscription conditions, the appropriate categories for each plan, and the step-by-step registration method.
Check out all the types of health insurance offered by Care Concept through an article. The comprehensive guide to Care Concept health insurance].
What isGovernment health insurance in Germany؟
It is important to note that the registration process for public health insurance in Germany (GKV) can be started before arriving in Germany. This is particularly important for international and master's students who know the start date of their semester. They can obtain proof of health insurance and submit it to the German embassy as part of the visa application procedure.
As for the period preceding the start of the semester, the student usually needs health insurance that covers the time before actual studies begin. During this phase, temporary private health insurance can be utilized, such as the packages offered by Care Concept, which were explained in the previous paragraph. The company provides various plans suitable for multiple categories such as doctors, pharmacists, university students, and other expatriates depending on the type of residency. After university studies begin and the required conditions are met, the student can switch to one of the public health insurance companies, which we will discuss in detail in the following sections.
As for those coming for the purpose of work, such as doctors and pharmacists, and those arriving under the Opportunity Card visa (Opportunity Card) or vocational training programs (Training), they may initially need suitable private health insurance for the entry and initial stay period in Germany, as explained in the previous paragraph.
This insurance continues during the transition phase until employment subject to compulsory health insurance begins, whether it is part-time or full-time. When the conditions for government health insurance are met, it is possible to switch to one of the government health insurance companies, the most prominent of which will be explained and their services compared in the following sections.
Public health insurance companies in Germany: Which provider is the best?
The German statutory health insurance system (Gesetzliche Krankenversicherung – GKV) is managed through numerous approved insurance companies. Among the most famous of these companies are AOK, BARMER, DAK-Gesundheit, TK, and KKH. All of these companies provide the same basic health coverage in accordance with German laws. However, they differ in some additional services such as digital services, bonus programs, health offers, and the level of customer service. Therefore, choosing the appropriate insurance company depends on an individual's needs and preferred communication method.
BARMER Public Health Insurance in Germany: My Personal Experience and Why I Recommend It
This is the public health insurance that I recommend for several reasons, and it is also the insurance that I personally use in Germany, so my talking about it is based on practical experience in dealing with the company.
Regarding BARMERwhat truly sets it apart is the level of customer service and the ease of dealing with the company. This is particularly important for newcomers to Germany, where one might initially need help with certain procedures. These procedures include updating insurance data, changing the membership start date, or understanding the steps required to access health services.
Based on my experience dealing with the company, I can help you follow up on these procedures and facilitate communication with them, either by connecting you with Mr. Lennart Müller, who is responsible for following up on cases, or by communicating with me directly to help you complete the required steps.
BARMER is a suitable choice for people starting their lives in Germany, especially international students, master's students, and new employees. The company provides digital services that help members easily manage their insurance, such as tracking membership information, accessing documents, and utilizing available electronic services.
This feature is particularly important for newcomers, as registration for public health insurance can take place before arriving in Germany, such as for university and master's students who need proof of insurance as part of the visa process. Therefore, digital services help track applications, access documents, and communicate with the company before studies or work begin. Moreover, easy communication with BARMER makes dealing with administrative procedures and understanding the German health insurance system much easier.
How to register for this insurance is explained in the article: Public BARMER health insurance in Germany].
Registration in Care Student Health Insurance
Securing Dear Student One of the health insurances provided by Care Concept Company. We have previously discussed the health insurance provided by this company in detail in an article. The comprehensive guide to Care Concept health insurance. This insurance provides health coverage recognized by German embassies. Care Student insurance covers periods of stay of up to five years, allows enrollment up to the age of 39, and covers the same categories covered by Care College insurance, which are:
- Doctors and pharmacists.
- Undergraduate, master's, and doctoral students.
- Visiting students Gastschüler.
- Students coming to Germany for a Studienkolleg foundation year.
- Sixth-year human medicine clinical internship visa students.
Can you read an article The Comprehensive Guide to Securing Care College Health Insurance To learn about the benefits, insurance packages, and target categories
The difference between Care Student and Care College insurance
Assuming that the target audience in insurance Dear Student و Care College similar, the fundamental difference between them lies in the level of health coverage provided, which is directly reflected in the price. Insurance features Dear Student that it provides broader health coverage, making it a suitable alternative to government health insurance for students who will be entering university, such as undergraduate and master's students and other academic categories. In contrast, does not have insurance Care College This feature, where greater emphasis is placed on basic coverage during the language course phase and prior to university entry, will be explained in detail in the following paragraph.
Registering for Care Student insurance instead of government insurance
This insurance can be obtained by residents of Germany or while preparing to travel. The person receives an electronic insurance certificate to present to the German embassy when applying for the visa, as is the case with Care College insurance. What sets this insurance apart from Care College is the possibility of enrolling in it after university has started as an alternative to public insurance. Based on this, the student can Choosing to stay on Care Student insurance instead of government insurance. Thus, the student can save a portion of the high financial costs, as Care Student insurance is less expensive than government insurance, making it a suitable and economical choice for students.
In case a person decides to get insurance Dear Student Instead of government insurance at the start of university, the insurance company subsequently communicates with the university electronically via the M10 system. The purpose of this communication is not to confirm registration in the government health insurance upon entering the university, as is the case with Care College insurance, but rather to submit the exemption request. From the government insurance Befreiung.
Naturally, the option to stay on this insurance instead of the government one may carry a downside, as the student might not be able to switch to the student government insurance during the course of their studies.
It is important to note that if a person decides to switch to public health insurance in Germany, they can do so through Care Concept, where they are insured via DAK-Gesundheit. This topic has been explained in detail in a dedicated article.
Can you read an article DAK-Gesundheit public health insurance in Germany To learn about the benefits, insurance packages, and how to register
Security features Student Health Care
Care Student insurance provides comprehensive health coverage for international students in Germany. It includes treatment by doctors, dentists, and in hospitals. In addition, it grants the patient special treatment by the doctor, which helps in getting appointments faster. Care Student offers stronger benefits compared to Care College insurance, such as psychotherapy, where the insurance covers up to 50 sessions per year. It also covers physical therapy and rehabilitation, and provides a fixed hospital allowance after the 15th day.
The price of this insurance is €69.62 per month for ages 12–29 and €95.68 per month for ages 30–39.
You can view Table of health coverage services for Care insurance Student The healthy one.
Filling out the Care insurance registration form Student
There will be a video explaining insurance Dear Student on My YouTube channel.
في البداية من المهم تعبئة البيانات الشخصية في هذه الاستمارة، لأتمكن من متابعة ملفاتكم داخل منصة Care Concept وتصبح عملية فتح الحساب أسرع وأسهل وأقدم الدعم اللازم في حال ظهور مشاكل بالحساب على واتساب.
يرجى الدخول إلى رابط نموذج التسجيل بهذا التأمين، حيث توجد العديد من مواقع الاحتيال، لذلك قد يكون من الخطير رفع معلومات شخصية حساسة عليها، خصوصا عندما يتعلق الأمر بالبيانات المالية.
Health insurance guidelines and inquiry about previous insurance
It is important initially to distinguish between the Insured Person (IP) and the Policyholder / Contract Holder, as the former refers to the person who will directly receive health coverage, while the Policyholder / Contract Holder refers to the person who will enter into the insurance contract, manage it, and pay the premiums. This distinction helps in accurately understanding the data required in the form and correctly defining the responsibilities of each party.
Scrolling down reveals the registration steps for Care Student insurance. Applications are submitted through three simple and easy steps. In the first step, personal data and health information of the insured person are entered. In the second step, you move on to an additional health questionnaire before completing the application. In the third step, address details and the required insurance information are entered. After completing and submitting the first step, a link for the subsequent steps is sent via email.
In the first section, the insured person's basic personal data is entered. This includes specifying the gender, followed by entering the first name, last name, and birth name in case the person has changed their name. The place, country, and date of birth are also specified. In addition, questions are asked about the existence of a twin or siblings born on the same day. Finally, the nationality is selected from the list provided in the form.
Health status of the person to be insured
In this section, the health data of the person to be insured is entered. It is requested to confirm that all information provided is correct and complete. It is also clarified that any omission or error in the information may legally affect the insurance contract, and may result in the insurance company's right to amend, terminate, or withdraw from the contract. Therefore, the instructions must be read carefully before completing the health data.
Initially, the height in centimeters and weight in kilograms are entered. After that, a set of medical questions related to the health condition are answered:
- Are there any diseases, health problems, injuries, or effects of accidents during the past 3 years or currently?
This excludes routine checkups with no results or mild common colds. - Have medical treatments been received in the last 3 years from a doctor, hospital, or healthcare professional? Or is there a recommendation for future treatment, excluding examinations without a diagnosis.
- Have medications been used regularly for more than 14 days during the last 12 months? This excludes non-therapeutic medications such as contraceptives.
- Are there any natural teeth missing that have not been replaced yet? If yes, the exact number of missing teeth must be specified.
Add contact information
This section includes the contact information of the health-insured person in case the company needs to contact them. The email address is the most important element, as it is the primary method through which all insurance documents are sent. As for the phone number, it is not necessary, but is requested as additional data only.
It is not necessary to enter exact data such as the postal code or fax number, especially in countries that do not rely on a clear postal code system or do not officially use fax.
A question is asked about how the user found out about Care Concept insurance; this is a statistical question that only concerns the company and does not affect the insurance plan.
Care Student health insurance start date
Next, the start date of the insurance coverage is determined. If the insurance is being submitted to the German Embassy to obtain a visa, the date should be chosen two weeks before the German language courses begin. However, if the insurance is not tied to embassy requirements, the start date can be chosen freely as needed.
Referrer ID field
This field does not appear if the form is accessed directly via the official link above. However, if accessed from another link, this field will appear automatically. In this case, you can enter the numbers 9016910093 to get a free consultation from me if you encounter any problems.
Student Care Health Insurance Terms Consent Acknowledgment
Upon clicking the designated field, it is confirmed that the user has read, understood, and agreed to the terms and conditions. This includes the acknowledgment that all provided information is accurate and complete. Finally, the button is clicked Continue At the bottom of the page to proceed to the next step.
Reviewing the first step data of the Care Student insurance form
After finishing entering all the data, you are asked to carefully review the information to ensure there are no entry errors. After that, click Continue to move to the next step. If the user needs to edit any data before submission, they can click on the option “Correct data”.
Then a window appears confirming the successful completion of the first phase of registration. This window serves as confirmation that the data has been saved and that you are moving on to the next step. At this stage, click on the option Go Straight to Step 3: Application Form.
Then, a window appears confirming the successful completion of the second stage of registration. At this stage, click on the option "Continue to Step 3: Fill the form with address details and insurance details" to proceed to the third step.
The third step of the Care Student insurance form
Now we start with the third step. From the Care Student insurance application form. In this step, it is important to distinguish between the Insured Person (IP) and the Policyholder / Contract Holder, as the former refers to the person who will directly receive health coverage, while the Policyholder / Contract Holder refers to the person who will enter into the insurance contract, manage it, and pay the premiums. This distinction helps in accurately understanding the data required in the form and correctly defining the responsibilities of each party.
This section includes basic questions to determine the previous insurance status of the insured person (IP). It first asks whether the insured person previously had insurance with Care Concept. It also asks whether the person had health insurance in their country of residence prior to registering for this insurance. If "Yes" is selected for either of these two questions, the person is asked to enter the insurance number in the designated field. For the second question, an additional field also appears requesting the expiration date of the previous insurance that the person had in their country of residence before coming to Germany.
At this stage, the details of the health-insured person are displayed as entered in the first step of filling out the form. At the bottom of the page, a question appears determining whether the person responsible for the insurance is the insured person themselves.
Eligibility assessment and determination of academic status
In this section, additional information regarding the insured person is entered. This information aims to assess eligibility for Care Student insurance. This includes specifying the marital status. It also includes a declaration that the person does not professionally or remuneratively practice competitive sports and that they reside legally within Germany. In addition, it is declared that the person does not require legal guardianship under German law.
In this section, the educational or professional status of the person at the start of health coverage for Care Student insurance is also specified.
Only one option must be selected from the list:
- New student (Student - First-semester student)
- student enrolled for less than 8 weeks
- Student enrolled for more than 8 weeks
- A student over the age of 30
- Ph.D. student
- Student
- Preparatory year participant
- Language school student
- Practical training related to study requirements (Internship – Admission requirement for studies)
The appropriate category is selected according to the person's actual status at the start of the insurance. The start date of studying at the university or institute is also entered accurately, and it is named as shown in the second image.
Add health insured person address
This section involves entering the health-insured person's address. This includes the “c/o” field in case the contract holder's name is not on their mailbox. In this case, the name of the recipient on their behalf is entered in the first field. Address details such as the street name and building number, postal code, city, and country are also entered. Entering this data correctly is not very important, as all correspondence will be conducted via email.
Add contact information for the health-insured person
This section involves re-entering the insured person's contact information as entered in the first step of the form. The email address is the primary element in this section, as it is used to send all insurance documents. As for the phone number, postal code, and fax number, they are additional data requested for organizational purposes only.
Filling in the policyholder's details
This section includes identifying information specific to the policyholder. Personal data such as first name, last name, and date of birth are entered. The form also features an important question to verify whether the policyholder is the same as the insured person, as this distinction helps in organizing the insurance data correctly.
Care Student insurance information
This section includes a clear display of the Care Student plan's insurance information prior to final submission.
Methods to pay the Care Student health insurance installment
In this section, the person chooses the method of paying the insurance premium, either via monthly Direct Debit or monthly Bank Transfer.
Individuals are free to choose their preferred payment method, whether monthly or a one-time payment, with the exception of the German Embassy in Beirut, which requires proof of full advance payment of the insurance premium.
Regarding the transfer time, the payment must be completed before the insurance takes effect to ensure coverage is activated on time. However, payment can be postponed until after obtaining the visa if the embassy does not require proof of payment among the documents.
Direct Debit
When using direct debit, it is required that the bank account is within the SEPA zone, meaning inside the European Union, as direct debit transactions cannot be processed from outside this region. As for the bank transfer option, it can be used from outside the European Union. However, you must be aware that there are international transfer fees in this case.
If Direct Debit is selected, the bank account holder's information is entered. If the account holder is the same as the policyholder, the data entry fields appear directly, including the IBAN, BIC, bank name, and the account holder's name as registered with the bank.
However, if the bank account holder is another person, an additional question will appear that must be agreed to, which is confirming that the person is authorized by the account holder to submit and complete SEPA direct debit transactions. In this case, “Yes” must be selected exclusively. The bank account holder's details are then entered, including the IBAN, BIC, bank name, and account holder's name.
Health insurance premium calculation, payment method, and monthly costs
This section includes the health insurance premium calculation, where the premium amount is clearly displayed according to the contract duration.
Referrer ID field
This field does not appear if the form is accessed directly via the official link above. However, if accessed from another link, this field will appear automatically. In this case, you can enter the numbers 9016910093 to get a free consultation from me if you encounter any problems.
Student Care Health Insurance Terms Consent Acknowledgment
Upon clicking the designated field, it is confirmed that the user has read, understood, and agreed to the terms and conditions. This includes the acknowledgment that all provided information is accurate and complete. Finally, the button is clicked Continue At the bottom of the page to proceed to the next step.
Reviewing the data and submitting the health insurance application online
After finishing entering all the data, you are asked to carefully review the information to ensure there are no input errors. After that, you must confirm the request by clicking the button Order With Costs, as the insurance is not officially provided until after this step. Once the form is submitted, a legally binding insurance contract is concluded with Care Concept. If the user needs to modify any data before submission, they can click on the option “Change Entries”.
Immediately after submitting, an email containing the order confirmation is sent. Within a few minutes, all insurance documents are sent via email.
After completing the application process, a form to evaluate the user experience with Care Concept may be displayed. This form can be easily ignored by clicking the cancel mark at the top.
Confirmation of order receipt and obtaining the Care Student health insurance policy number
After submitting the insurance request, a confirmation message appears stating that the company has successfully received the data, as shown in the image. The user is also informed that they will receive an email containing the request details. Once the insurance request is approved, the official insurance policy and its terms will be sent in PDF format via email.
It is important to scroll down the page to get the insurance policy number. After submitting the request, an official confirmation message appears stating that the company has successfully received the insurance request, mentioning the policy number and the request date as shown in the second image.
It is extremely important to keep the insurance policy number shown in the image, as it will be used later for all correspondence and follow-ups with the insurance company.
Emails after submitting the health insurance application
After submitting the insurance application, several emails are received from Care Concept. Most of these emails are procedural and unimportant, with the exception of two essential emails that will be explained in detail in the following two paragraphs.
Customer Portal Login Message
The first important message is the one indicated in the picture, which is a confirmation message of the approval of the insurance request and the completion of the contract with Care Concept. The message explains that the insurance policy (Versicherungsschein) has been issued and will be available by registering on the electronic customer portal (My Customer Portal).
Therefore, the next step will be to register in the My Customer Portal, in order to link the health insurance to the user's personal account. Through this portal, all insurance policies can be accessed, managed, and easily downloaded at any time. All steps for creating an account and logging in to the customer portal have been explained. Care Concept In detail in an article Registering in the Care Concept Customer Portal to manage health insurance policies.
Care Student Health Insurance Policy Message
The second important message is the one that clarifies the value of the installment required to be transferred or deducted, in addition to mentioning the bank account for the transfer.
As shown in the image, the insurance policy that can be downloaded from the bottom of the page is indicated, which is the required document to be submitted to the German Embassy. Regarding To the Beirut Embassy, it also requests the submission of Proof of payment, which will be explained in detail in a subsequent paragraph.
Get proof of payment for the Care Student health insurance premium
After adding the insurance policy to our account in the Care Concept customer portal, we return to the main page, where the new insurance contract appears under the list of contracts. After that, we click on the option „Contract details“ To view the insurance policy details.
This page then appears containing all the insurance data in detail. Based on the options chosen during insurance registration, the required payment amount is determined. As shown in the section „Payment information“ The amount due is 80 euros, and it is paid by Bank transfer.
The transfer must be made before the insurance takes effect to ensure coverage is activated on time. However, payment can be postponed until after obtaining the visa as explained previously, provided that the embassy does not require proof of payment among the documents. As for the case where The Embassy of Beirut, must be obtained Proof of payment Before the interview appointment.
The amount is transferred to the following account:
HypoVereinsbank AG, HYVEDEMM300
IBAN: DE23200300000000111161
It is very important to enter Reason for transfer (Verwendungszweck) correctly, which is the insurance policy number. In our case, it is: CC269074524, which was obtained directly After completing the form.
After paying the amount, we receive a payment confirmation email a few days later. We then log into our account on the customer portal to download the payment proof file. Contribution statement.
After logging in, we click on the section My contracts Inside the account. At the bottom we find an option Proof of payment or Beitragsnachweis. We select the German language from the dedicated field Beitragsnachweis 2026 auf deutsch. Then we click on Download contribution proof To download the document.
Below is a sample document Contribution statement, and it differs from one insurance to another, and the amount also varies according to the payment method, whether it is einmalig or monatlich, as we discussed previously.
Conclusion
The Care Student health insurance is a flexible and suitable option for international students in Germany, especially for those looking for an alternative to public insurance with recognized coverage and clear conditions. This insurance combines ease of enrollment with a variety of benefits, making it suitable for different stages of study and residence. However, it is important to study the differences between it and public insurance before making a final decision, to ensure choosing the most appropriate insurance for the student's situation in Germany.
