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
• Additional costs for repatriation for medical reasons
• repatriation/burial costs in event of death of the insured person up to EUR 25,000.00 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 Care Concept AG requires prior written notification of the stay in the home country.
• hospital per diem rate of all in EUR 100.00 for each full inpatient exceeding 14 days
• If need be, pre-existing conditions can be insured with a deductible of EUR 5,000.00 for every insurance year started and insured person.

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).

• 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 Care Concept AG requires prior written notification of the stay in the home country.
• 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 25,000.00
• upon request: costs for transport for a visiting family member in case of in-patient treatment at a hospital for more than 14 days: up to 500 EUR

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).

• 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 25,000.00
• 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 Care Concept AG requires prior written notification of the stay in the home country.
• hospital per diem rate of EUR 30.00 for each full inpatient day up to 30 days per insurance year
• upon request: costs for transport for a visiting family member in case of in-patient treatment at a hospital for more than 14 days: up to 1.000 EUR

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).

  Download description health insurance for expatriates (PDF 59KB)

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 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“.

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.

Advigon Versicherung AG

Pflugstraße 20
9490 Vaduz
Liechtenstein

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.

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.

Take out the insurance online with the tariff Care Expatriate: online application.

 Download description Care Cash (PDF) (47KB)