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Care Expatriate
Auslandskrankenversicherung für Expatriates
Beschreibung
Auslandskrankenversicherung für Expatriates Bild 5 Auslandskrankenversicherung für Expatriates Bild 1 Auslandskrankenversicherung für Expatriates Bild 2 Auslandskrankenversicherung für Expatriates Bild 7 Auslandskrankenversicherung für Expatriates Bild 4 Auslandskrankenversicherung für Expatriates Bild 6 Auslandskrankenversicherung für Expatriates Bild 3
Health insurance Care Expatriate
Designelement 1 zur Auslandskrankenversicherung Product description tariff Care Expatriate Basic
Designelement 2 zur Auslandskrankenversicherung Product description tariff Care Expatriate Comfort
Designelement 2 zur Auslandskrankenversicherung
Designelement 2 zur Auslandskrankenversicherung
Designelement 2 zur Auslandskrankenversicherung
Designelement 2 zur Auslandskrankenversicherung
Designelement 2 zur Auslandskrankenversicherung
Designelement 2 zur Auslandskrankenversicherung
Optional insurance for sickness daily allowance
Designelement 2 zur 疾病津贴险
Designelement 2 zur 疾病津贴险
Product description tariff Care Expatriate Basic

Summary of benefits:

  • outpatient medical treatment deemed medically necessary and rendered by a physician: 100 %
  • medicines and dressing prescribed by a physician up to 100 %
  • pregnancy check-ups – as long as the insured is not pregnant on commencement of cover or at the time of applying for renewal of cover.
  • inpatient medical treatment deemed medically necessary, shared room (general care category), without additional services (no private medical treatment)
  • ambulance service required for inpatient medical treatment and/or from/to accident location
  • medically required dental treatments including fillings as well as annual check-ups and visits to hygienist - 100 % of bill up to EUR 600.00 per insurance year
  • dentures required following an accident, including the cost of repairs up to max. EUR 1,000.00 per accident and insurance year completed
  • repatriation/burial costs in event of death of the insured person up to EUR 23,000.00 EUR
  • treatment, such as massages and physiotherapy up to a total of EUR 250.00 per insurance year
  • psychotherapy up to EUR 500.00 per insured year (up to EUR 100.00 per session)
  • aids due to an accident up to max. EUR 500.00 per insured year
  • up to 30 days per year insurance cover in own country. Der Aufenthalt im Heimatland muss der Care Concept AG vorher schriftlich mitgeteilt werden.
  • existing medical conditions are generally not covered by the insurance.

The tariff provides for a general excess of EUR 150.00 per insured year.
For a complete list of benefits see the general insurance conditions (AVB).

Product description tariff Care Expatriate Comfort
The product is based on Care Expatriate Basic with the following extras:
  • medically required dental treatments including fillings as well as annual check-ups and visits to hygienist - 100 % of bill
  • dentures required following an accident, including the cost of repairs up to max. EUR 2,000.00 per accident and insurance year completed
  • treatment, such as massages and physiotherapy up to a total of EUR 500.00 per insurance year
  • psychotherapy up to EUR 1,000.00 per insured year (up to EUR 100.00 per session)
  • medical aids prescribed by a physician, max. EUR 500.00 per insurance year
  • wheelchairs, hearing and speech aids prescribed by a doctor, max. EUR 1,000.00 per insurance year
  • dentures deemed medically necessary (at 60 %), max.
    • EUR 500.00 in 1st insurance year (IY),
    • EUR 1,000.00 in 2nd IY,
    • EUR 1,500.00 in 3 rd IY,
    • EUR 2,500.00 for every year thereafter.
    where treatment and medical cost projections are not submitted prior to treatment, only 50 % of the maximum reimbursable treatment costs shall be paid out where the medical necessity of the treatment is subsequently demonstrated.
  • screening examinations aimed at early detection of disease, max. EUR 250.00 per insurance year
  • vision aids prescribed by a physician, max. EUR 100.00 per insurance year
  • up to 45 days per year insurance cover in own country. Der Aufenthalt im Heimatland muss der Care Concept AG vorher schriftlich mitgeteilt werden.
  • existing medical conditions can be insured with an excess of EUR 5,000.00 per insurance year. An application for the excess to be waived can be made by providing more detailed health information.
  • hospital per diem rate of EUR 20.00 for each full inpatient day up to 20 days per insurance year
  • repatriation/burial costs in event of death of the insured person up to EUR 23,000.00

The tariff provides for a general excess of EUR 150.00 or EUR 500.00 per insured year. For a complete list of benefits see the general insurance conditions (AVB).

Product description tariff Care Expatriate Premium
The product is based on Care Expatriate Comfort with the following extras:
  • inpatient medical treatment deemed medically necessary, shared room (general care category), without additional services. Where the policy applies outside of Germany, accommodation in a single room/shared two-person room is included
  • dentures required following an accident, including the cost of repairs up to max. EUR 3,000.00 per accident and insurance year completed
  • treatment, such as massages and physiotherapy up to a total of EUR 1,500.00 per insurance year
  • repatriation/burial costs in event of death of the insured person up to EUR 23,000.00
  • psychotherapy up to EUR 1,500.00 per insured year (up to EUR 150.00 per session)
  • medical aids prescribed by a physician, max. EUR 2,500.00 per insurance year
  • dentures deemed medically necessary (at 80 %), max.
    • EUR 750.00 in 1st insurance year (IY),
    • EUR 1,500.00 in 2nd IY
    • EUR 2,500.00 in 3 rd IY,
    • EUR 4,000.00 for every year thereafter.
    where treatment and medical cost projections are not submitted prior to treatment, only 50 % of the maximum reimbursable treatment costs shall be paid out where the medical necessity of the treatment is subsequently demonstrated.
  • screening examinations aimed at early detection of disease, max. EUR 500.00 per insurance year
  • vision aids prescribed by a physician, max. EUR 300.00 per insurance year
  • up to 90 days per year insurance cover in own country. Der Aufenthalt im Heimatland muss der Care Concept AG vorher schriftlich mitgeteilt werden.
  • hospital per diem rate of EUR 30.00 for each full inpatient day up to 30 days per insurance year

The tariff provides for a general excess of EUR 500.00 or EUR 1,000.00 per insured year. Alternatively also policies without excess are available. For a complete list of benefits see the general insurance conditions (AVB).

B Specific stipulations
 (1) Versicherbarer Personenkreis

Insurable persons:

  • Persons with permanent residence in Germany, Austria, EU countries, Member States of the Schengen agreement, Switzerland and Liechtenstein in any country worldwide.
  • Persons with permanent residence in other countries of the world who are staying in Germany, Austria, EU countries, Member States of the Schengen agreement, Switzerland and Liechtenstein.
  • Persons with permanent residence in Germany, Austria, EU countries, Member States of the Schengen agreement, Switzerland and Liechtenstein, who are staying in the above countries.
 (2) Geltungsbereich

Insurance cover extends to foreign countries world-wide. All countries world-wide are considered foreign – except those states of which the insured holds nationality and/or in which the insured had a permanent domicile before the commencement of travel

 (2.1) Discontinuation of the stay abroad

For a temporary return to the home country of the insured, the insurer will provide insurance cover after notification of the return to the home country. Depending on the selected tariff, the overall duration shall be 30 days (Basic), 45 days (Comfort) or 90 days (Premium).

 (3) Insurance eligibility

The highest entry age is 74 years.

 (4) Versicherungsdauer

The minimum duration of insurance is 6 months. The maximum duration of insurance for stays in the Federal Republic of Germany is 5 years. The insured can get cover for travel outside Germany until the end of the 75th year of life.

Persons taking out a 5-year policy valid outside of Germany will receive a one-off acceptance guarantee for a follow-on policy for a maximum period of a further 5 years (Care Expatriate Comfort / Care Expatriate Premium).

Auslandsversicherung Bild 10bThe maximum contract duration for insured persons up to the entry age of 65 is 60 months initially and can be extended by 60 months each time with written consent of the insurer, as long as the insured has not yet reached his 66th birthday on commencement of the renewal (otherwise the insurance can only be renewed by max. 36 months). The insurance according to this tariff ends at the end of the month in which eligibility for insurance ceases, or in which the stay abroad is terminated (exception see B 1.1); the conditions for a temporary stay cease or when the insured reaches his or her 80th birthday.

When a reason for termination materializes, the insurance holder must inform the insurer in writing within a month.

C. Additional services
 Assistance services
  • Information on the possibilities of medical care inland and abroad, which includes, for example, a listing of physicians, specialists, hospitals and specialist clinics with appropriate language skills.
  • Listing of salvage and rescue operators, specialist car repair companies, rental car companies, hotels, airlines and other transport companies in Germany and abroad.
  • Listing of experts, lawyers and interpreters in Germany and abroad with appropriate language skills.
D. Versicherer
Anschrift
HanseMerkur Versicherungsgruppe
Siegfried-Wedells-Platz 1
20352 Hamburg
E. Premiums
Prämienübersicht | Care Expatriate | Weltweit ohne NAFTA
Versicherungstarif Basic Comfort Premium
Eigenanteil pro Jahr (in EUR) 150,– 150,– 500,– 0,– 500,– 1000,–

Prämienübersicht | Care Expatriate | Weltweit inkl. NAFTA
Versicherungstarif Basic Comfort Premium
Eigenanteil pro Jahr (in EUR) 150,– 150,– 500,– 0,– 500,– 1000,–


Download description health insurance for expatriates

Auslandskrankenversicherung Care Expatriate Designelement Druck  Download description health insurance for expatriates (PDF 59KB)


Insurance for sickness daily allowance Care Cash

General information on insurance for sickness daily allowance Care Cash

Geschäftsreisende im Ausland - Entsendete oder Selbständige - können durch eine plötzliche Erkrankung oder einen Unfall für längere Zeit Ihren Aufgaben nicht nachgehen und dadurch u. U. empfindliche finanzielle Einbußen erleiden. Während dies für sozialversicherungspflichtig tätige Personen in Deutschland gesetzlich geregelt wird (Lohnfortzahlung im Krankheitsfall), müssen alle anderen Berufstätigen für diesen Fall selbst vorsorgen.

Aus diesem Grund bieten wir für entsendete, gewerblich und freiberuflich tätige Reisende bis zum Erreichen des 67. Lebensjahres als Ergänzung zum Tarif "Care Expatriate" einen Krankentagegeldtarif "Care Cash" an.

Der "Care Cash" bietet Versicherungsschutz in Form eines Krankentagegeldes gegen Verdienstausfall als Folge von Unfällen oder unerwartet und akut im Ausland auftretenden Erkrankungen bei ärztlich festgestellter Arbeitsunfähigkeit.
Die Versicherungsdauer im "Care Cash" muss mit der der vorgenannten Krankenversicherungstarife identisch sein. Wurde der Erstvertrag im Tarif "Care Cash" für eine Dauer von fünf Jahren abgeschlossen, so erwirbt der Versicherte eine Weiterversicherungsgarantie für erneute fünf Jahre.

Im Tarif "Care Cash" sind Personen nicht versicherbar, die die Staatsangehörigkeit des Gastlandes erworben oder die Ihren ständigen Wohnsitz ins Gastland verlegt haben, ohne einen Rückkehrwillen ins Heimatland zu haben.

Insurable persons

Insurable persons are travelers who intend to stay for more than 6 continuous months abroad. The insurance is available for persons, who are staying temporarily abroad. A policy must commence prior to the insured person reaching the age of 67. Voraussetzung für den Abschluss des Care Cash ist ein bestehender Vertrag in der Produktlinie „Care Expatriate“.

Geltungsbereich

Der Versicherungsschutz erstreckt sich auf die Zahlung eines Krankentagegeldes infolge einer im Verlauf einer medizinisch notwendigen Heilbehandlung festgestellten Arbeitsunfähigkeit im weltweiten Ausland. Arbeitsunfähigkeit liegt vor, wenn die versicherte Person ihre berufliche Tätigkeit nach medizinischem Befund vorübergehend nicht in keiner Weise ausüben kann, sie auch nicht ausübt und keiner anderweitigen Erwerbstätigkeit nachgeht.

Not covered by the policy are countries of which the insured person is a national and/or which were the permanent place of residence of the person prior to commencing his/her travels.

Versicherer

HanseMerkur Versicherungsgruppe AG, Siegfried-Wedells-Platz 1, 20354 Hamburg

Versicherungsdauer

The minimum insurance period shall be 6 months. The maximum period of cover for stays in Germany is 5 years including all policy extensions.
Outside of Germany, persons can make any number of extension applications during their stay abroad until reaching the age of 67. Persons taking out an initial 5-year policy valid outside of Germany, will receive a one-off acceptance guarantee for a follow-on policy for a maximum period of a further 5 years.

Duration of benefits

Die Leistungspflicht beginnt mit dem ersten Tag der Arbeitsunfähigkeit. Die Zahlung des Tagegeldes beginnt nach Ablauf der leistungsfreien Zeit (Karenzzeit). Die Karenzzeit beträgt je nach vertraglicher Vereinbarung 42, 91 oder 183 Tage. Die maximale Leistungsdauer beträgt 78 Wochen. Die Karenzzeit wird auf die maximale Leistungsdauer angerechnet. Die Leistungspflicht endet ebenfalls bei dauernder Arbeits- oder Erwerbsminderung, auch für bestehende Versicherungsfälle. Die Leistungshöhe darf 90 % des auf den Kalendertag umgerechneten durchschnittlichen Nettoeinkommens der letzten 12 Monate nicht übersteigen.

Die Krankentagegeldversicherung Care Cash gleicht durch längere Krankheiten entstandene Einkommensausfälle aus.

Prämienübersicht Care Cash
Monthly premium
per each EUR 5.00 sickness daily allowance
Defermant period in days sickness daily allowance
up to EUR 175.00
sickness daily allowance
up to EUR 300.00
Care Cash 42Defermant period in days42sickness daily allowance
up to EUR 175.00
0,90 EUR*
sickness daily allowance
up to EUR 300.00
1,10 EUR*
Care Cash 91Defermant period in days91sickness daily allowance
up to EUR 175.00
0,70 EUR*
sickness daily allowance
up to EUR 300.00
0,90 EUR*
Care Cash 183Defermant period in days183sickness daily allowance
up to EUR 175.00
0,30 EUR*
sickness daily allowance
up to EUR 300.00
0,50 EUR*
*Monthly premium from the first EUR per each EUR 5.00 sickness daily allowance
Example: monthly premium in acc. to chosen daily allowance
choosen sickness daily allowance (EUR): 20,– 50,– 150,– 170,– 175,– 180,– 200,– 250,– 300,–
Monthly premium in EUR:
42 days waiting period
Monthly premium in EUR:
91 days waiting period
Monthly premium in EUR:
183 days waiting period

Example 1:
You choose a waiting period of 42 days and a daily allowance of EUR 50.00/day. To calculate the monthly premium, you have to divide the expected daily allowance by 5 and multiplicate this number with EUR 0.90 : The monthly premium: EUR 9.00.
Calculation:
50 : 5=10,–
10 x 0,90=9,–


Example 2:
You choose a waiting period of 42 days and a daily allowance of EUR 200.00/day. To calculate the monthly premium, you have to divide the expected daily allowance by 5 and multiplicate this number with EUR 1.10 : The monthly premium: EUR 44.00.
Calculation:
200 : 5=40,–
40 x 1,10=44,–

Take out insurance

Take out the insurance online with the tariff Care Expatriate: Online-Antrag.

Download description Care Cash

Auslandskrankenversicherung Care Cash Designelement Download description Care Cash (PDF) (47KB)


Care Expatriate
Versicherungstyp: Auslandsversicherung für Expatriates, Residenten, längere Reisen ab 6 Monate mit weltweiter Deckung



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Care Expatriate Care Concept AG • Auslandsversicherung für Expatriates, Residenten, längere Reisen ab 6 Monate mit weltweiter Deckung • Care Expatriate • 		 Beschreibung

Versicherungstyp
Auslandskrankenversicherung für Expatriates
Versicherbare Personen
Auswanderer, Expatriates, Residenten, Langzeitreisen
Eintrittsalter
0-74 Jahre
Prämie Care Expatriate
ab EUR 53 / Monat
Laufzeit
6 - 60 Monate
Leistungen*
  • Gültig für das Schengen-Visum
  • Ambulante, stationäre, zahnmedizinische Behandlung
  • Vorsorgeuntersuchungen und Heilmittel und Hilfsmittel (Comfort, Premium)
  • Versicherungsschutz im Heimatland bis zu 30 Tage (Basic), 45 Tage (Comfort), 90 Tage (Premium)
Care Expatriate • Beschreibung • Care Expatriate Krankenversicherung, Auslandsversicherung, Expatriateversicherung Auswanderer, Residenten, Expatriates, Expats, Geschäftsreisende, Geschäftsleute, Beruflich Entsandte Information
Care Expatriate • Kurzinformation • Care Expatriate Krankenversicherung, Auslandsversicherung, Expatriateversicherung Auswanderer, Residenten, Expatriates, Expats, Geschäftsreisende, Geschäftsleute, Beruflich Entsandte Kurzinformation (PDF)
Care Expatriate • Online-Antrag • Care Expatriate Krankenversicherung, Auslandsversicherung, Expatriateversicherung Auswanderer, Residenten, Expatriates, Expats, Geschäftsreisende, Geschäftsleute, Beruflich Entsandte Online-Antrag

*Den genauen Leistungsumfang entnehmen Sie bitte den Versicherungsbedingungen