Last verified against EDUCARE24’s homepage, premiums page, benefits overview, language-student guide, and Quick & Easy eligibility page. Prices and terms can change. Confirm the live quote and your embassy checklist before you buy.
Affiliate disclosure: This article contains sponsored EDUCARE24 / DR-WALTER partner links. We may earn a commission if you sign up through them, at no extra cost to you. DR-WALTER is a private insurance broker and is not a government agency.
The Short Answer
If you are coming to Germany for a language course, Studienkolleg prep, internship, or similar education stay — and you are not yet enrolled as a regular university student — EDUCARE24 is built for that gap.
- EDUCARE24 states it meets all visa requirements and targets the €30,000 minimum health-cover threshold commonly referenced for immigration.
- Cover is independent of student status and sold without a deductible on the health insurance part.
- Published prices start at €34.50/month (plan S, ages up to 39).
- Plans M/L/XL can bundle travel health + personal liability + accident + deportation-cost cover; plan S is health-only.
- When professional / university studies begin, EDUCARE24’s language-student page says you typically need statutory student health insurance instead.
Language Course or Prep Before Uni?
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Buy online and receive your insurance certificate for embassies and authorities immediately after purchase, according to EDUCARE24.
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Why Language Students Need Different Cover
According to EDUCARE24’s language-student information page:
- You need insurance for the visa before departure.
- From entry until professional studies begin, you need private health cover because a language course alone does not make you a regular university student for statutory student insurance.
- From the start of professional / university studies, you generally need statutory health insurance for students.
That is why many Sprachkurs applicants cannot simply join TK/AOK as “students” yet — and why inbound products like EDUCARE24 exist for the pre-enrollment period.
Who Can Buy EDUCARE24?
From EDUCARE24’s Quick & Easy page, you must meet all of these:
- Maximum age at contract start: 69
- Stay abroad no longer than four years
- Foreign citizenship
- Policy purchased before arrival, or within the first month after entry / start of classes, studies, internship, teaching, or research
Insurable purposes listed by EDUCARE24:
- Foreign language students
- Applicants for study
- Non-enrolled students
- Exchange program participants
- Interns / trainees
- Adult education students
- Pupils
- Job seekers with Opportunity Card
Geographic cover: EU countries plus Liechtenstein, Switzerland, Norway, Iceland, Andorra, Monaco, San Marino, and Vatican City. Worldwide trips are included for up to six weeks.
Current EDUCARE24 Premiums
All fees below are monthly, from EDUCARE24’s premiums page:
Age band
S
M
L
XL
Up to 39
€34.50
€39.00
€43.50
€63.00
Up to 39 — from month 19
€52.50
€57.00
€61.50
€90.00
Up to 69
€58.50
€63.00
€70.50
€87.00
Up to 69 — from month 19
€115.50
€117.00
€121.50
€132.00
EDUCARE24’s premiums page currently recommends plan L for comprehensive health + accident + liability + deportation cover with wider dental treatment. The benefits overview also highlights plan M as the core comprehensive bundle (health + accident + liability + deportation, with pain-relief dental).
Compare S / M / L / XL Live →
What Each Plan Includes
From EDUCARE24’s benefits overview:
- S: travel health insurance only
- M: health + personal liability + accident + deportation costs; dental treatment for pain relief (limits apply)
- L: M-level package plus a wider range of dental treatments
- XL: adds selected statutory-program-style benefits (check-ups / prophylaxis items) up to €500 per insurance year overall for those marked benefits
Published package extras on M/L/XL include:
- Personal liability: up to €1,000,000 for bodily injury and property damage
- Damage to rented property: up to €100,000
- Accident disability / death benefits as listed on the benefits table
- Deportation costs insurance: up to €4,000
Health cover is described as without deductible, with outpatient and inpatient treatment, medicines, and no-deductible wording on the product pages.
Need Certificate Before Embassy Day?
Buy EDUCARE24 and Download Documents
EDUCARE24 says you receive the insurance certificate and an Ärzte-Info-Ticket after online purchase.
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Documents and Timing
According to EDUCARE24:
- Insurance starts on the date applied for (coverage at the earliest from the day the application is received, 00:00).
- Coverage ends automatically on the agreed end date.
- Early return: they recalculate premium for actual days; no service fee for reimbursement (per premiums page).
- You can buy before arrival; monthly SEPA debit can be activated after you open a German account.
How This Fits With Blocked Accounts
EDUCARE24 is insurance, not proof of funds. You still need a blocked account or another accepted financing method for most long-stay visas.
EDUCARE24’s language-student page still mentions financing proof “nearly €10,000” historically; for current official blocked amounts, use your embassy list or a current blocked-account provider page (student cases commonly use the BAföG-linked annual figure published for the year of application).
Need Blocked Account Too? →
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When to Leave EDUCARE24
EDUCARE24 itself says: once professional studies begin, switch to statutory student health insurance. Keep your certificate afterward — some home-country authorities ask for proof of cover during the stay abroad.
Interactive German Comprehension Module
Question 1: Sprachstudent
„Während des Sprachkurses gelten Sie noch nicht als regulärer Student der gesetzlichen Krankenkasse.“
True or false for the language-course period?
Question 2: Tarif
„Der Tarif S enthält nur die Reisekrankenversicherung.“
What does plan S include?
Question 3: Wechsel
„Ab Beginn des Fachstudiums brauchen Sie in der Regel eine gesetzliche studentische Krankenversicherung.“
When do you usually switch?
Answer Key
- True — language students are treated differently from enrolled university students.
- Health insurance only.
- At the start of professional / university studies.
Frequently Asked Questions
Does EDUCARE24 meet German visa requirements?
EDUCARE24 states that it meets all visa requirements and is designed to satisfy the commonly referenced €30,000 health-cover minimum for immigration. Always confirm against your specific embassy checklist.
Is there a deductible?
EDUCARE24 markets the health insurance as without deductible. Some liability sub-limits (for example host-family immovable property damage) list a deductible on the benefits table — read the plan details.
Can I buy it if I already arrived?
Yes, if you buy within the first month after entry or after starting classes / internship / research, per EDUCARE24’s eligibility rules.
Does a side job cancel cover?
EDUCARE24 says a side job does not affect coverage if further education remains the main purpose — but your employer may still need to check social-insurance rules.
Which plan should language students pick?
Many applicants choose M or L because they add liability and accident cover that S does not include. EDUCARE24’s own pages recommend M or L depending on the section; compare the live benefits table for your stay length and dental needs.
Final Take
For Sprachkurs, prep, internship, and pre-enrollment stays, EDUCARE24 is a dedicated inbound option with published prices from €34.50/month and immediate online certificates.
- Use it for the visa / pre-study window
- Pick M/L/XL if you want liability + accident bundled
- Switch to statutory student insurance when regular university studies begin
Buy EDUCARE24 →
Pair With Blocked Account →
Sources
This article is informational and does not constitute insurance, immigration, or legal advice. Confirm current terms on EDUCARE24 and with your embassy or Ausländerbehörde.
