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Care Economy
Health insurance abroad for foreign visitors
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Beschreibung
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Why does the foreign guest need insurance?
Many foreign citizens who spend time in
Germany, in the EU, Switzerland or Liechtenstein often have
no or inadequate insurance cover. Unfortunately, illnesses
and accidents cannot been tirely avoided and can incur substantial
financial sacrifices.
Regardless whether you are travelling privately
or on business, the foreign travel insurance policy of Care
Economy will cover the costs of any required medical treatment.
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Summary of benefits
We refund documented costs in case of illness or accident
in Germany and all
EU Countries for
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Out-patient treatment by a doctor
- In-patient hospital treatment (general class –multiple
bedrooms – no coverage options) including subsequent treatment
- Transport to the nearest hospital and back
- Pain-deadening dental treatment including simple fillings
and repair of existing dental prostheses, max. € 300 per
stay up to 180 days, over 180 days max. € 600.
- costs of medically appropriate return to own country on doctor's orders up to € 10,000.00
- Transport in case of death of an insured person/burial
costs up to € 10,000.00
minus EUR 25.00 deductible per insured event |
Important notes
- Insurance ends with completion of the 77rd year of life.
- The insurance policy proves the
insurance cover you applied for. In addition, you will receive
an insurance confirmation and treatment certificates after
processing your application.
- Renewal of the current insurance is possible.
If the insured person is going to stay any longer than applied
for, the original period of insurance cover can only be extended
if the application is received by Care Concept AG in written form (e-mail, fax, mail)
before the original contract expires and the insurer expressly agrees to this. In this case the insurance policy only
covers events occuring after the application to extend the policy was made.
- In case of extension of the insurance cover
there has to be paid the differing amount of premium between
the original, formerly selected period of insurance cover and
the new one.
- The max insurance period - including all renewals - is two years.
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What is not insured - exclusion from coverage
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The insurer is not liable to perform in cases
- of illnesses, complaints and consequences of accidents that already exist, or are known, on commencement of cover or renewal
and
- the consequences of such illnesses and accidents that have been treated within the last six months before commencement of cover or renewal.
You will find a detailed description of benefits in the insurance conditions. In addition to general policy terms, only the German version
of this tariff is legally obligatory.
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Prämienübersicht Krankenversicherung Care Economy
| Krankenversicherung |
| Term of insurance up to ... days |
up to 64 years |
65-74 years |
| 90 |
€ 1.03 / Tag |
€ 2.80 / Tag |
| 91 - 180 |
€ 1.25 / Tag |
€ 3.50 / Tag |
| 181 - 365 |
€ 1.80 / Tag |
€ 4.70 / Tag |
| 366 - 730 |
€ 2.20 / Tag |
€ 7.50 / Tag |
| Minimum premium per person and term: 10.30 € |
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| Monthly payment type for health insurance is only possible from 180 days term of insurance and choosing direct debit.
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| Monthly premium health insurance |
| Term of insurance up to ... days |
up to 64 years |
65-74 years |
| 180 - 365 |
€ 46.00 / Monat |
€ 120.00 / Monat |
| 366 - 730 |
€ 70.00 / Monat |
€ 230.00 / Monat |
| The max insurance period - including all possible renewals - is two years.
In case of renewals the difference between the premium for the period originally chosen and the premium for the
newly requested total period is then payable as a differential premium. |
The treatment costs for accident injuries are covered by the health insurance. Long-term invalidity risks can only be covered by an accident insurance policy. We therefore recommend that you take out an accident and liability policy.
In addition to health insurance we offer – in a legally separate policy – personal liability insurance or a personal liability/accident insurance package with the following scope:
| Privathaftpflichtversicherung |
Typ S | Typ M |
Typ XL |
| Deckungssummen für Personen- und Sachschäden pauschal |
€ 1 Mio. | € 2 Mio. |
€ 2.5 Mio. |
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deportation costs to cover undertakings of the policyholder versus German authorities |
€ 1.000 | € 2.000 |
€ 3.000 |
| Mitversicherung von Mietsachschäden an unbeweglichen Gegenständen, Selbstbehalt 10 %, mindestens 250,– € je Schadenereignis |
€ 10.000 | € 25.000 |
€ 50.000 |
| Schlüsselverlustrisiko für private Wohnungen (bzw. Zimmer oder Apartment), Selbstbehalt 10 %, mindestens 100,– € je Schadenereignis |
- | - |
€ 1.000 |
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deductible per claim |
€ 250 | € 0 |
€ 0 |
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| Unfallversicherung |
Typ S | Typ M |
Typ XL |
| Invaliditäts-Grundsumme |
- | € 30.000 |
€ 40.000 |
| Maximale Invaliditätssumme bei Progressionstaffel 350 % |
- | € 105.000 |
€ 140.000 |
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Todesfallsumme bei Unfalltod |
- | € 15.000 |
€ 25.000 |
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salvage costs following an accident |
- | € 7.500 |
€ 10.000 |
| unfallbedingte kosmetische Operationen |
- | € 2.500 |
€ 5.000 |
| Monatsprämie* |
€ 2 | € 4 |
€ 7.50 |
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Mindestprämie
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€ 10 | € 12 |
€ 15 |
*
Die Prämie muss als Einmalprämie für die gesamte Laufzeit bezahlt werden. Der Versicherungsschutz besteht nur bei vollständig gezahlter Versicherungsprämie.
Den genauen Leistungsumfang entnehmen Sie bitte den Bedingungen zur Unfall- und Haftpflichtversicherung .
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