![]() |
Description Insurance for sickness daily allowance Care Cash |
![]() |
Download description insurance for sickness daily allowance |
![]() |
![]() |
![]() |
![]() |
The product is based on Care Expatriate Basic with the following extras:
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). |
The product is based on Care Expatriate Comfort with the following extras:
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). |
Insurable persons:
|
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 |
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). |
The highest entry age is 74 years. |
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. |
|
Advigon Versicherung AG Pflugstraße 20 9490 Vaduz Liechtenstein |
Insurance plan | Basic | Comfort | Premium | |||
---|---|---|---|---|---|---|
Excess per year (in EUR) | 150 | 150 | 500 | 0 | 500 | 1000 |
Age at beginning : 0-12 (EUR / Month) |
Basic (Excess per year (in EUR): 150) : 64 | Comfort (Excess per year (in EUR): 150) : 104 | Comfort (Excess per year (in EUR): 500) : 81 | Premium (Excess per year (in EUR): 0) : 191 | Premium (Excess per year (in EUR): 500) : 149 | Premium (Excess per year (in EUR): 1000) : 117 |
Age at beginning : 13-40 (EUR / Month) |
Basic (Excess per year (in EUR): 150) : 58 | Comfort (Excess per year (in EUR): 150) : 84 | Comfort (Excess per year (in EUR): 500) : 63 | Premium (Excess per year (in EUR): 0) : 181 | Premium (Excess per year (in EUR): 500) : 141 | Premium (Excess per year (in EUR): 1000) : 109 |
Age at beginning : 41-60 (EUR / Month) |
Basic (Excess per year (in EUR): 150) : 68 | Comfort (Excess per year (in EUR): 150) : 103 | Comfort (Excess per year (in EUR): 500) : 77 | Premium (Excess per year (in EUR): 0) : 256 | Premium (Excess per year (in EUR): 500) : 201 | Premium (Excess per year (in EUR): 1000) : 156 |
Age at beginning : 61-74 (EUR / Month) |
Basic (Excess per year (in EUR): 150) : 246 | Comfort (Excess per year (in EUR): 150) : 322 | Comfort (Excess per year (in EUR): 500) : 248 | Premium (Excess per year (in EUR): 0) : 432 | Premium (Excess per year (in EUR): 500) : 336 | Premium (Excess per year (in EUR): 1000) : 263 |
Insurance plan | Basic | Comfort | Premium | |||
---|---|---|---|---|---|---|
Excess per year (in EUR) | 150 | 150 | 500 | 0 | 500 | 1000 |
Age at beginning : 0-12 (EUR / Month) |
Basic (Excess per year (in EUR): 150) : 175 | Comfort (Excess per year (in EUR): 150) : 280 | Comfort (Excess per year (in EUR): 500) : 220 | Premium (Excess per year (in EUR): 0) : 495 | Premium (Excess per year (in EUR): 500) : 385 | Premium (Excess per year (in EUR): 1000) : 300 |
Age at beginning : 13-40 (EUR / Month) |
Basic (Excess per year (in EUR): 150) : 145 | Comfort (Excess per year (in EUR): 150) : 225 | Comfort (Excess per year (in EUR): 500) : 170 | Premium (Excess per year (in EUR): 0) : 465 | Premium (Excess per year (in EUR): 500) : 363 | Premium (Excess per year (in EUR): 1000) : 285 |
Age at beginning: 41-60 (EUR / Month) |
Basic (Excess per year (in EUR): 150) : 195 | Comfort (Excess per year (in EUR): 150) : 265 | Comfort (Excess per year (in EUR): 500) : 210 | Premium (Excess per year (in EUR): 0) : 660 | Premium (Excess per year (in EUR): 500) : 515 | Premium (Excess per year (in EUR): 1000) : 405 |
Age at beginning : 61-74 (EUR / Month) |
Basic (Excess per year (in EUR): 150) : 710 | Comfort (Excess per year (in EUR): 150) : 920 | Comfort (Excess per year (in EUR): 500) : 725 | Premium (Excess per year (in EUR): 0) : 1175 | Premium (Excess per year (in EUR): 500) : 965 | Premium (Excess per year (in EUR): 1000) : 750 |
|
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. |
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 |
The minimum insurance period shall be 6 months. The maximum period of cover for stays in Germany is 5 years including all policy extensions.
|
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. |
The sickness benefits insurance plan, Care Cash, compensates for expenses incurred during an extended illness or injury resulting in a loss of income.
Premium list 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 42 | Defermant period in days42 | sickness daily allowance up to EUR 175.000.90* |
sickness daily allowance up to EUR 300.001.10* |
Care Cash 91 | Defermant period in days91 | sickness daily allowance up to EUR 175.000.70* |
sickness daily allowance up to EUR 300.000.90* |
Care Cash 183 | Defermant period in days183 | sickness daily allowance up to EUR 175.000.30* |
sickness daily allowance up to EUR 300.000.50* |
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 |
choosen sickness daily allowance 20 EUR: 3.60 EUR/Month | choosen sickness daily allowance 50 EUR: 9.00 EUR/Month | choosen sickness daily allowance 150 EUR: 27.00 EUR/Month | choosen sickness daily allowance 170 EUR: 30.60 EUR/Month | choosen sickness daily allowance 175 EUR: 31.50 EUR/Month | choosen sickness daily allowance 180 EUR: 39.60 EUR/Month | choosen sickness daily allowance 200 EUR: 44.00 EUR/Month | choosen sickness daily allowance 250 EUR: 55.00 EUR/Month | choosen sickness daily allowance 300 EUR: 66.00 EUR/Month |
Monthly premium in EUR: 91 days waiting period |
choosen sickness daily allowance 20 EUR: 2.80 EUR/Month | choosen sickness daily allowance 50 EUR: 7.00 EUR/Month | choosen sickness daily allowance 150 EUR: 21.00 EUR/Month | choosen sickness daily allowance 170 EUR: 23.80 EUR/Month | choosen sickness daily allowance 175 EUR: 24.50 EUR/Month | choosen sickness daily allowance 180 EUR: 32.40 EUR/Month | choosen sickness daily allowance 200 EUR: 36.00 EUR/Month | choosen sickness daily allowance 250 EUR: 45.00 EUR/Month | choosen sickness daily allowance 300 EUR: 54.00 EUR/Month |
Monthly premium in EUR: 183 days waiting period |
choosen sickness daily allowance 20 EUR: 1.20 EUR/Month | choosen sickness daily allowance 50 EUR: 3.00 EUR/Month | choosen sickness daily allowance 150 EUR: 9.00 EUR/Month | choosen sickness daily allowance 170 EUR: 10.20 EUR/Month | choosen sickness daily allowance 175 EUR: 10.50 EUR/Month | choosen sickness daily allowance 180 EUR: 18.00 EUR/Month | choosen sickness daily allowance 200 EUR: 20.00 EUR/Month | choosen sickness daily allowance 250 EUR: 25.00 EUR/Month | choosen sickness daily allowance 300 EUR: 30.00 EUR/Month |
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 the insurance online with the tariff Care Expatriate: online application. |
![]() |
![]() |
![]() |
![]() |
Please note that the English translation is for convenience only. The legally binding version is the German one.