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Care Economy - affordable international health insurance for foreign visitors and guests

Care Economy -
affordable international health insurance for foreign visitors and guests

Auslandskrankenversicherung

Description


Care Economy | Travel health insurance for foreign guests and visitors
Designelement der Gästeversicherung Care Economy Beschreibung
Designelement der Gästeversicherung Care Economy Beschreibung
Designelement der Gästeversicherung Care Economy Beschreibung
Designelement der Gästeversicherung Care Economy Beschreibung
Designelement der Gästeversicherung Care Economy Beschreibung

For a complete list of benefits please see the General terms and conditions of insurance (GTI)

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Why do foreign guests and visitors need insurance?

Many foreign nationals who spend time in Germany, the EU, the Schengen states, Switzerland or Liechtenstein often have no or inadequate insurance coverage in the host country. Unfortunately, illnesses and accidents cannot be entirely avoided, which can potentially lead to substantial financial losses.

Whether you are traveling for personal reasons or on business, with affordable Care Economy coverage, you are protected against costs for medically necessary treatment.

Summary of benefits

We reimburse verified costs in the case of illness or accident in Germany, Austria, all EU countries as well as Switzerland, Liechtenstein and the Schengen states, among others, for

  • outpatient treatment by a doctor Additional cost for medically appropriate return up to EUR 10,000.00
  • inpatient treatment in the hospital (standard care class –multiple-bed rooms with no optional benefits) including follow-up treatment
  • transport to the nearest hospital and back
  • pain-relieving dental treatment including simple fillings and repair of existing dental prostheses at 100% the invoice amount, max. EUR 300.00 per stay up to 180 days, over 180 days max. EUR 600.00.
  • additional costs for medically necessary return to home country up to EUR 10,000.00
  • transport in the case of death of an insured person/burial costs up to EUR 25,000.00
minus EUR 25.00 deductible per insured event
Important information
  • The coverage is valid until the age of 75 (75th birthday).
  • The confirmation of coverage serves as proof of your insurance coverage. In addition, you will receive additional documents as well as some medical treatment certificates after your application has been processed.
  • An extension of your coverage is possible. If the insured person extends their stay, the original period of insurance coverage can only be extended if the application is received by Care Concept® AG in writing (e-mail, fax, regular mail) before the original policy expires and the insurer explicitly agrees to this. In this case the insurance policy only covers events occurring after the extension of coverage has been applied for.
  • In the case of extensions, the difference between the premium for the period originally selected and that for the newly requested period is then payable as a differential premium/sum.
What is not insured - exclusion from coverage

The insurer is not liable to grant benefits in cases

  • of illnesses, symptoms and consequences thereof that already exist or are known upon commencement or renewal of coverage and
  • the consequences of such illnesses and accidents that were treated within the last six months before commencement or renewal of coverage.

You will find a detailed description of benefits in the insurance terms and conditions. In addition to general policy terms, only the German version of this tariff is legally obligatory.

Premium overview Health insurance Care Economy
One-time premium Health insurance
Duration of coverage up to ... days up to 64 years old 65-74 years old
Duration of coverage up to ... days: 90 up to 64 years old: EUR 1.00 / Day 65-74 years old: EUR 2.95 / Day
Duration of coverage up to ... days: 91 - 180 up to 64 years old: EUR 1.35 / Day 65-74 years old: EUR 3.70 / Day
Duration of coverage up to ... days: 181 - 365 up to 64 years old: EUR 1.95 / Day 65-74 years old: EUR 4.95 / Day
Duration of coverage up to ... days: 366 - 730 up to 64 years old: EUR 2.40 / Day 65-74 years old: EUR 7.90 / Day
Minimum premium per person and period: EUR 10.00
 
A monthly payment option is only possible for health insurance and only via direct debit with a period of coverage of 180 days or more.
 
Monthly premium health insurance
Duration of coverage up to ... days up to 64 years old 65-74 years old
Duration of coverage up to ... days: 180 - 365 up to 64 years old: EUR 50.00 / Month 65-74 years old: EUR 126.00 / Month
Duration of coverage up to ... days: 366 - 730 up to 64 years old: EUR 75.00 / Month 65-74 years old: EUR 242.00 / Month
The maximum duration of coverage - including all possible extensions - is two years. In the case of extensions, the difference between the premium for the period originally chosen and that for the newly requested period is then payable as a differential premium/sum.

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.


Liability insurance protects you against claims for damages from third parties.
Accident insurance protects you against the financial consequences of a decline in your ability to work due to disability or death following an accident.

In addition to health insurance we offer – in a legally independent policy – personal liability insurance or a personal liability/accident insurance package with the following benefits:

Personal liability insurance Type S Type M Type XL
Lump sum coverage for personal injury and property damage Type S: €1 Mio. Type M: €2 Mio. Type XL: €2.5 Mio.
Deportation costs to cover legal obligations of the policyholder against German authorities Type S: €1,000 Type M: €2,000 Type XL: €3,000
Co-insurance of damage to rented property for immovable objects, deductible 10%, minimum EUR 250.00 per claim Type S: €10,000 Type M: €25,000 Type XL: €50,000
Loss-of-key coverage for private dwellings (i.e. room or apartment), deductible EUR 100.00 per claim
Type S: - Type M: - Type XL: €1,000
General deductible per claim Type S: €250 Type M: €0 Type XL: €0
 
Accident insurance Type S Type M Type XL
Basic disability benefit Type S: - Type M: €30,000 Type XL: €40,000
Maximum disability benefit with a degree of disability of 350% Type S: - Type M: €105,000 Type XL: €140,000
Death benefit in the event of accidental death Type S: - Type M: €15,000 Type XL: €25,000
Rescue costs following an accident Type S: - Type M: €7,500 Type XL: €10,000
Cosmetic operations due to an accident Type S: - Type M: €2,500 Type XL: €5,000
Monthly premium* Type S: € 2 Type M: €4 Type XL: €7.50
Minimum premium Type S: €10 Type M: €12 Type XL: €15

* The premium must be paid as a one-time premium for the entire duration of coverage. Insurance coverage is only provided when the insurance premium has been paid in full.
For a complete list of benefits see the Terms and conditions of liability/accident insurance.

Download description

 Download description Care Economy (PDF)(16KB)

Legal note: The information contained in this publication does not constitute the basis of any contract, but rather serves solely as to provide a product overview/description. Only the General Terms and Conditions of Insurance and the policy terms and conditions, upon which your contract is based, are binding.

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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 Economy

Type of insurance: travel abroad insurance for foreign guests and visitors



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Care Concept AG
Your partner for health insurance abroad

Care Economy x

Type of insurance
International health insurance for foreign visitors and guests
Insurable persons
Health insurance for foreign visitors and guests to Europe
Entry age
0-74 Years
Premium Care Economy
starting at EUR 1.00 / Day
Duration
1 Day - 2 Years
Benefits*
  • Complies with all the requirements for a Schengen visa
  • Outpatient, inpatient and pain-relieving dental treatment
  • Additional costs for medically advisable repatriation
  • Transportation costs to hospital
Care Economy • Description • Care Economy Health insurance abroad, Insurance abroad, Insurance for guests, Insurance for visitors, Visa insurance, Schengen-insurance foreign guests, visitors, foreigners Information
Care Economy • In brief • Care Economy Health insurance abroad, Insurance abroad, Insurance for guests, Insurance for visitors, Visa insurance, Schengen-insurance foreign guests, visitors, foreigners In brief (PDF)
Care Economy • online application • Care Economy Health insurance abroad, Insurance abroad, Insurance for guests, Insurance for visitors, Visa insurance, Schengen-insurance foreign guests, visitors, foreigners online application

*For a complete list of benefits see the General Terms and Conditions of Insurance (GTI).
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