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Care Expatriate - Health insurance abroad for expatriates

Care Expatriate - Health insurance abroad for expatriates

Care Expatriate

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FAQ Care Cash
General questions about the daily sickness allowance insurance Care Cash
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 Who can be insured under the Care Cash plan

Insurable persons are

  • persons in countries worldwide with permanent residency in the Federal Republic of Germany, Austria, the countries of the European Union, the member states of the Schengen Agreement, Switzerland and Liechtenstein
  • persons with permanent residency worldwide during stays in the Federal Republic of Germany, Austria, the countries of the European Union, the member states of the Schengen Agreement, Switzerland and Liechtenstein
  • persons with permanent residency in the Federal Republic of Germany, Austria, the countries of the European Union, the member states of the Schengen Agreement, Switzerland and Liechtenstein when staying in the aforementioned countries
  • persons who pursue gainful employment in the context of a working or employment relationship or who pursue commercial or freelance employment and earn regular income from such employment.
  • only persons who are insured under the "Care Expatriate" plan

The maximum entry age is 66 years old.

 What is the maximum amount of time I can insure myself under the Care Cash plan in Germany (including extensions)?

The maximum duration of coverage is 5 years (incl. all extension) for stays in Germany.

How long (including extensions) can I insure myself under the Care Cash plan abroad (countries other than Germany)?

Persons taking out a 5-year policy valid outside of Germany will receive a one-time acceptance guarantee for a follow-up policy for a maximum period of a further 5 years. In addition, a policy extension for up to a maximum of 5 further years can be applied for any number of times until reaching the age of 67.

 
How much does the insurance cost?

The daily sickness allowance insurance plan, Care Cash, compensates for expenses incurred during an extended illness or injury resulting in a loss of income.

Premium overview Care Cash
Monthly premium
per each EUR 5.00 daily sickness allowance
Deferment period in days daily sickness allowance
up to EUR 175.00
daily sickness allowance
up to EUR 300.00
Care Cash 42Deferment period in days 42daily sickness allowance
up to EUR 175.00
0.90*
daily sickness allowance
up to EUR 300.00
1.10*
Care Cash 91Deferment period in days 91daily sickness allowance
up to EUR 175.00
0.70*
daily sickness allowance
up to EUR 300.00
0.90*
Care Cash 183Defermant period in days183daily sickness allowance
up to EUR 175.00
0.30*
daily sickness allowance
up to EUR 300.00
0.50*

*Monthly premium from the first EUR per each EUR 5.00 of daily sickness allowance


Example: monthly premium according to daily sickness allowance selected
selected daily sickness allowance (EUR): 20 50 150 170 175 180 200 250 300
Monthly premium in EUR:
42-day deferment period
Monthly premium in EUR:
91-day deferment period
Monthly premium in EUR:
183-day deferment period

Example 1:
You choose a deferment period of 42 days and a daily sickness allowance of EUR 50.00/day. To calculate the monthly premium rate, you have to divide the selected daily sickness allowance by 5 and multiply this number by EUR 0.90 : The monthly premium is: EUR 9.00.
Calculation:
50 : 5=10
10 x 0.90=9


Example 2:
You choose a deferment period of 42 days and a daily sickness allowance of EUR 200.00/day. To calculate the monthly premium rate, you have to divide the selected daily sickness allowance by 5 and multiply this number by EUR 1.10 : The monthly premium is: EUR 44.00.
Calculation:
200 : 5=40
40 x 1.10=44

Can I insure myself in a crisis region?

The geographic scope of the Care Cash plan also covers so-called “crisis regions,” but with the following limitation: the insurance provider is under no obligation to provide coverage for any illnesses and their consequences, and for the consequences of accidents or deaths, which are directly or indirectly caused by events of war or civil war, riot, civil uprisings and unrest, terrorism or other hostilities, even without a declaration of war. However, insurance coverage exists if the insured person is unexpectedly affected by one of these events during his/her stay abroad. This insurance coverage shall expire seven days after the Federal Foreign Office has issued a travel warning for the territory of the state in which the insured person is staying (war region).

When does Care Cash coverage end?

The contract ends:

  • on the date agreed upon
  • upon completion of the insured person’s 67th year of life
  • when gainful employment has been given up
  • upon the death of the policyholder
  • in the case of temporary stays in Germany, with the policyholder's departure from Germany. In this case, the insured person has the right to continue receiving coverage by naming a new policyholder.
  • if the conditions for the stay abroad are no longer fulfilled
  • at the end of the stay abroad
  • with the end of the foreign health insurance coverage
What is covered under the are Cash plan?

What is covered under the are Cash plan?

What does Care Cash provide?

A daily sickness allowance is paid at the agreed upon level, up to a maximum of 90% of the average net salary, converted to the calendar day, of the last 12 months of insured activity with the same employer. Special payments are not taken into account when calculating the daily sickness benefit. The daily sickness allowance is limited to a maximum of EUR 300 per calendar day.

Do deferment periods apply with a Care Cash policy?

Yes, the obligation to pay benefits begins at the end of the waiting period on the first day of the incapacity to work plus the agreed upon deferment period. A deferment period of 42.91 or 183 days can be agreed.
Example: You have chosen a deferment period of 42 days and a daily sickness benefit of EUR 20 and are incapable of working for a period of 60 days. Then you will receive 20 EUR per day from the 43rd day until the 60th day, i.e. a total of 360 EUR.

Do waiting periods apply with a Care Cash policy?

Yes, the waiting period is 31 days, beginning from the commencement of coverage. It does not apply:

  • when the insured person provides proof of entry into a country abroad within 31 days before the application is submitted
  • when the insurance was taken out before the start of the trip abroad
  • to accidents occurring after the commencement of coverage.

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Please note that the English translation is offered as a service for convenience only. The legally binding version is the German version.


Care Expatriate

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