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     health insurance partner abroad



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

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

Care Economy

FAQs



关于Care Economy境外医疗保险的常见问题
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详细的报销范围请参阅保险条例

affordable international health insurance for foreign visitors and guests Bild 4 affordable international health insurance for foreign visitors and guests Bild 6 affordable international health insurance for foreign visitors and guests Bild 3 affordable international health insurance for foreign visitors and guests Bild 4
哪些人可以购买Care Economy境外医疗保险?

75周岁以内,在欧盟,申根国家,包括瑞士和列支敦士登逗留最长至二年的外国籍客人可以购买境外保险Care Economy.

保险期限?

"Care Economy"境外险最短保险期限为1天。
每保险人保险期最底保险费
10.00 欧元.
最长保险期限为
2年,包括延长保险时间。
保险时间段分
1天,至730天。


医疗保险价格一览表?
Premium overview Health insurance Care Economy
One-time premium Health insurance
Duration of coverage up to ... days up to 64 years old
without deductible
up to 64 years old
with deductible
65-74 years old
without deductible
65-74 years old
with deductible
Duration of coverage up to ... days:90 up to 64 years old without deductible: 1.18 EUR / Day up to 64 years old with deductible: 1.00 EUR / Day 65-74 years old without deductible: 3.48 EUR / Day 65-74 years old with deductible: 2.95 EUR / Day
Duration of coverage up to ... days:91 - 180 up to 64 years old without deductible: 1.59 EUR / Day up to 64 years old with deductible: 1.35 EUR / Day 65-74 years old without deductible: 4.37 EUR / Day 65-74 years old with deductible 3.70 EUR / Day
Duration of coverage up to ... days:181 - 365 up to 64 years old without deductible: 2.30 EUR / Day up to 64 years old with deductible: 1.95 EUR / Day 65-74 years old without deductible: 5.84 EUR / Day 65-74 years old with deductible: 4.95 EUR / Day
Duration of coverage up to ... days:366 - 730 up to 64 years old without deductible: 2.83 EUR / Day up to 64 years old with deductible: 2.40 EUR / Day 65-74 years old without deductible: 9.32 EUR / Day 65-74 years old with deductible: 7.90 EUR / Day
Minimum premium per person and period: 10.00 EUR
 
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
without deductible
up to 64 years old
with deductible
65-74 years old
without deductible
65-74 years old
with deductible
Duration of coverage up to ... days:180 - 365 up to 64 years old without deductible: 59.00 EUR / Month up to 64 years old with deductible: 50.00 EUR / Month 65-74 years old without deductible: 149.00 EUR / Month 65-74 years old with deductible: 126.00 EUR / Month
Duration of coverage up to ... days:366 - 730 up to 64 years old without deductible: 89.00 EUR / Month up to 64 years old with deductible: 75.00 EUR / Month 65-74 years old without deductible: 286.00 EUR / Month 65-74 years old with deductible: 242.00 EUR / 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.
保险合同会自动延长吗?

保险合同不会自动延长,在约定的时间终止。

延长保险注意事项?
  • 延长保险申请应在原保期到期前递交。
  • 只能书面申请延长保险。您可点击>Hier得到相应表格。
  • 如延长保险,只有在延长保险合同后新发生的疾病才能得到理赔。
  • 请参考保险价格和时间一览表,从其中选择延长Care Economy境外医疗保险的时间段。保费以总保期为基础,已经支付的原保期费用算入其中。比如:原来申请的保期是30天,30,00欧元,延长至100天还需支付73,50欧元。 (103,50欧元减去30,00欧元。)
如何解除保险?

如境外逗留提前结束,您可以书面提出解除保险。

如果没有得到签证或由于某种原因不能入境,可以在保险开始前书面提出解除保险。

How do I obtain my confirmation of coverage online?

Shortly after you have completed and sent your online application, you will, after your application has been approved, receive a confirmation email to the email address you provided. This email contains the following documents in PDF format, which you can print out and use:

  • confirmation of coverage
  • the insurance terms and conditions, including consumer information, an information sheet about data processing and an excerpt from the German Insurance Act (VVG)

Should your application be denied, we will contact you in writing within two working days.

可以每月由本人汇款,而不是保险公司自动抽款吗?

您可以自己往保险公司提供的帐户汇款,或委托自动抽款,还可以通过任何一家银行交付现金。但请您在付现金和汇款的时候一定要写明您的保险单号码。

最简单和安全的就是委托保险公司自动抽款,但是目前自动抽款只适用于德国和奥地利的转账账户。请在委托自动抽款的时候注意,账户上要留有足够支付保费的金额。

如果您还没有开通账户,您也可以在汇款用途栏里填写保险号码,通过任何一家银行,比如邮政银行,支付现金。

如果您想以月付费方式支付保险费(保保险期在180天以上),那么只能选择由保险公司自动抽款这种方式。
银行账号:
Hypovereinsbank AG, IBAN: DE23200300000000111161 Swift - Code (BIC): HYVEDEMM300

可以每月支付保费,而不是一次性付清保费吗?

保期超过180天者, 同时付费方式为委托保险公司自动抽款时,可任意选择一次性付费方式或按月分期付费方式. 保险期在180天至365天之间,年龄在64岁以内者, 每月保险费为50.00 欧元.
65周岁至74周岁的顾客每月的保险费为126.00欧元。 保险期在365天至730天之间,年龄在64岁以内者, 每月保险费为75.00 欧元. 65岁至74周岁的顾客,每月保费为242.00欧元。付款方式只有月付款和一次性付款两种,没有其他分期付款方式.

Care Economy 境外险也包括第三人责任险吗?

不包括。我们建议单独购买一份第三人责任险。


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.EUR Type M: 2 Mio.EUR Type XL: 2.5 Mio.EUR
Deportation costs to cover legal obligations of the policyholder against German authorities Type S: 1000EUR Type M: 2000EUR Type XL: 3000EUR
Co-insurance of damage to rented property for immovable objects, deductible 10%, minimum EUR 250.00 per claim Type S: 10000EUR Type M: 25000EUR Type XL: 50000EUR
Loss-of-key coverage for private dwellings (i.e. room or apartment), deductible EUR 100.00 per claim
Type S: - Type M: - Type XL: 1000EUR
Professional liability Type S: - Type M: - Type XL: up to EUR 25,000.00
Loss of receivables insurance Type S: - Type M: - Type XL: up to EUR 10,000.00
Coverage in home country
(from one year term)
Type S: - Type M: - Type XL: 6 weeks
General deductible per claim Type S: 250EUR Type M: 0EUR Type XL: 0EUR
 
Accident insurance Type S Type M Type XL
Basic disability benefit Type S: - Type M: 30000EUR Type XL: 40000EUR
Maximum disability benefit with a degree of disability of 350% Type S: - Type M: 105000EUR Type XL: 140000EUR
Death benefit in the event of accidental death Type S: - Type M: 15000EUR Type XL: 25000EUR
Rescue costs following an accident Type S: - Type M: 7500EUR Type XL: 10000EUR
Cosmetic operations due to an accident Type S: - Type M: 2500EUR Type XL: 5000EUR
Monthly premium* Type S: 2EUR Type M: 4EUR Type XL: 7,50EUR
* 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.
医院住院治疗费用和专科医生治疗费是否包括在内?

只要不是在保险开始之前就存在的疾病,原则上包括所有必需的诊断和治疗。
境外险包含专科医生(比如骨科医生,妇科医生)的诊断费用和住院费用,但不包含病房和主任医生选择。

非报销范围
保险不包括:

下列情况不属于保险范围:

  • 签约前或延长保险以前已存在或已发现的疾病及其后遗症或事故后遗症以及保险生效或延长
  • 以前6个月以内治疗过的疾病
  • 各种心理疗法
  • 各种身体普查以极预防癌症普查
  • 为获得居留许可而做的检查
  • 各种预措施
  • 不是由于发生了意外事故而需要的辅助用具(如眼镜,隐形眼镜,护理袜等),
  • 如果在保险生效时,被保险人已经怀有身孕,说明受孕发生在买保险之前.因此保险人不对孕期的检查和治疗承担任何义务.
  • 中断妊娠
  • 镶牙(已镶牙齿修补除外)、颌骨矫形治疗、种牙、特殊补牙填料。
  • 各种戒瘾措施及疗法
  • 各种健康证明及鉴定

详细的报销范围请参阅保险条例.[AVB].

如果客人没有拿到签证怎么办?

如果客人行程取消,可以申请退回保险金。退回保险金需要出示大使馆或者领事馆的拒签证明。退还保险金需要大约4到6周,手续费5欧元。

Care Economy 可以做为其他保险的后续保险吗?

可以作为其他保险的后续保险。

我已经在贵公司入保,我可以在贵公司申请一个社会保险号么?

不可以。当您第一次在德国工作时,必须向您的德国雇主提供您的社会保险号码. 如果还没有社会保险号码可以通过任何一家公立保险公司申请.DAK, AOK, IKK, TK, ...)但不能在私立保险公司申请。

如果我自己还不知道将在德国停留多久时, 在申请表中关于保险期 这一项里我应该填几个月?

请您在这项里填写您有可能最长停留的时间。如果中途有任何变化,请通过信件,传真或邮件通知我们,保险合同可以根据条款的规定延长或解除.但是必须在每月底以书面形式提出.

我会从贵处得到一个外国人管理局要求出示的保险证明么?

只要您在我处提交申请并成功入保,您会在几分钟内会通过邮件收到保险证明,如果保险天数在120 天以上, 我们还会再通过邮局发信件给您。根据我们的经验此保险证明会被所有的外国人管理局承认,原则上复印件已足够。

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 legally binding.

affordable international health insurance for foreign visitors and guests Bild 5 affordable international health insurance for foreign visitors and guests Bild 1 affordable international health insurance for foreign visitors and guests Bild 2 affordable international health insurance for foreign visitors and guests Bild 7

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: International Insurance for foreign guests and visitors



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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

Duration: 1 day - 2 years


Care Economy

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