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The insurance policy expires at the agreed upon point in time. There is no automatic extension. |
Requests for policy extensions must be submitted before the end of the duration of coverage originally requested. Requests for extensions must be submitted in writing (My Care Concept Customer Portal, e-mail, regular post, fax). You can find the appropriate form here: My Care Concept Customer Portal.
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If you end your stay abroad prematurely, you can terminate your policy in writing. |
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:
Should your application be denied, we will contact you in writing within two working days. |
You may transfer the full premium amount to the account listed below, grant a SEPA direct debiting authorization or make a cash payment at any bank or post office bank. Please make sure you include the complete policy number whenever you make a transfer or cash payment. If you have not yet opened an account, you can make a cash payment at any bank or post office bank and provide your policy number in the space “reason for payment”. With monthly payments (for periods of coverage of at least 180 days), however, you do not have the option of paying by bank transfer, as monthly payments are only possible with a SEPA direct debit mandate. |
Monthly payments are an alternative to a one-time payment for a period of coverage of at least 180 days, as long as you issue us a SEPA direct debit mandate at the same time. |
No. We recommend also taking out personal liability insurance coverage.
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In general, every type of medical treatment which is considered necessary and which did not begin before commencement of the period of coverage (pre-condition) is insured. The international health insurance includes medical treatment by specialists (e.g., orthopaedists, gynaecologists) and inpatient treatment in the standard care class, with the exclusion of any treatment by the head physician. |
Services not covered are
You will find a detailed description of benefits in the insurance terms and conditions. |
If the guest cannot enter the country, a refund of the insurance premium is possible upon request. In order for the premium to be refunded, it is necessary to submit the rejection letter from the embassy or consulate. A refund will be made within 4-6 weeks less a processing fee of 5 EUR. |
Care Economy coverage can also be taken out as a follow-up policy. |
No. When you start working in Germany for the first time, you must apply for a social security card from a statutory health insurance fund (DAK, AOK, IKK, TK, ...) on behalf of your German employer. The social security number is not issued by a private insurance company. |
Please enter the maximum number of days the visitor intends to stay in Germany as the 'duration of coverage'. If there is a change, please inform us by letter, fax or e-mail. You can extend your coverage in accordance with the policy terms and conditions or terminate it in writing at the end of the month. |
As soon as we have received your application and determined we can insure you, you will receive confirmation of coverage by e-mail within a few minutes and, with periods of coverage 120 days or more, we will also send it to you via regular mail. In our experience, this confirmation has been recognized as proof of insurance coverage by all foreign authorities. It is usually sufficient to submit a copy of the document to the authorities. |
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.
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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.