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Is S14 insurance in Germany too good to be true for PhD students?

Posted by (Taiwan) on

Has anyone actually used S14 (stu-insurance / Care Concept) in Germany for a PhD?
https://stu-insurance.de/s14

I’m 27, starting a PhD soon, and planning to travel around Europe when I have time. I’ve seen S14 being much cheaper than stuff like Care College, and on paper it looks basically the same coverage-wise (doctor, hospital, emergencies, even travel in Europe etc.).
But honestly it almost feels “too cheap” compared to the other options.
Is there a catch here? Like acceptance issues with universities, hidden limitations, or problems when you actually need to claim something?
Or is it just the obvious best value option for international PhD students?

Would appreciate real experiences, not brochure explanations.

Posted by
2702 posts

But honestly it almost feels “too cheap” compared to the other options.

Anyway, I doubt this information is very helpful. As a student from the EU, you simply keep your existing health insurance; as a student from a non-EU country, you have to enroll in one of the statutory health insurance plans, otherwise you won’t be registered. You can look up more details on the DAAD website.

Posted by
1166 posts

If I understand your question it seems that you will be starting a university PhD program in Europe soon and will want to travel around too. If that is correct then the university will tell you what you have to do to enroll, including how to sign up for health insurance coverage.

Posted by
2 posts

Yeah, public insurance isn't really an option for me as a self-funded PhD student. My university only said I need German private health insurance.
A few people I know went with Care College, which is also a Care Concept product. S14 looks like it's from the same company, and stu-insurance seems to be just the broker.
I'll probably call Care Concept tomorrow and get the details straight from them. Will report back if I learn anything useful.

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