Care Economy - Yabancı misafirler için kaza-, mesuliyet - ve hastalık -sigortası

Care Economy -
Yabancı misafirler için kaza-, mesuliyet - ve hastalık -sigortası

Care Economy

FAQ



FAQ for the health insurance abroad Care Economy
Bild 1 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 2 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 2a zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 3 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 4 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 5 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 6 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 7 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 8 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 91 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 11 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 12 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 13 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 14 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 16 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 17 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 18 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU

You will find a detailed list of benefits in the General Terms and Conditions of Insurance [GTI].

Yabancı misafirler için kaza-, mesuliyet - ve hastalık -sigortası Bild 4 Yabancı misafirler için kaza-, mesuliyet - ve hastalık -sigortası Bild 6 Yabancı misafirler için kaza-, mesuliyet - ve hastalık -sigortası Bild 3 Yabancı misafirler için kaza-, mesuliyet - ve hastalık -sigortası Bild 4
Who can take out an insurance for the health insurance for foreign travel Care Economy?

The insurance plan "Care Economy" is available for foreign nationals up to the age of 75 (75th birthday) who are temporarily staying in the member states of the European Union and the Schengen states, including Switzerland and Liechtenstein, for up to two years.

For how long can one be insured with Care Economy?

The minimum duration of coverage under “Care Economy” is 1 day. The maximum period, including all extensions, is 2 years. The minimum premium per person and period: EUR 10,00.

Possible periods of coverage: 1-730 days


What does the insurance cost?
Prim tablosunu Saglik sigortasi Care Economy
Bir defaya mahsus ödeme Saglik sigortasi
sigortalilik süresi ... güne kadar 64 yasa kadar
fazlalık olmadan
64 yasa kadar
muafiyet ile
65-74 yas arasi
fazlalık olmadan
65-74 yas arasi
muafiyet ile
sigortalilik süresi ... güne kadar:90 64 yasa kadar fazlalık olmadan: 1,18 EUR / Gün 64 yasa kadar muafiyet ile: 1,00 EUR / Gün 65-74 yas arasi fazlalık olmadan: 3,48 EUR / Gün 65-74 yas arasi muafiyet ile: 2,95 EUR / Gün
sigortalilik süresi ... güne kadar:91 - 180 64 yasa kadar fazlalık olmadan: 1,59 EUR / Gün 64 yasa kadar muafiyet ile: 1,35 EUR / Gün 65-74 yas arasi fazlalık olmadan: 4,37 EUR / Gün 65-74 yas arasi muafiyet ile 3,70 EUR / Gün
sigortalilik süresi ... güne kadar:181 - 365 64 yasa kadar fazlalık olmadan: 2,30 EUR / Gün 64 yasa kadar muafiyet ile: 1,95 EUR / Gün 65-74 yas arasi fazlalık olmadan: 5,84 EUR / Gün 65-74 yas arasi muafiyet ile: 4,95 EUR / Gün
sigortalilik süresi ... güne kadar:366 - 730 64 yasa kadar fazlalık olmadan: 2,83 EUR / Gün 64 yasa kadar muafiyet ile: 2,40 EUR / Gün 65-74 yas arasi fazlalık olmadan: 9,32 EUR / Gün 65-74 yas arasi muafiyet ile: 7,90 EUR / Gün
Kişi başi minimum prim ve süre: 10,00 EUR
 
Aylık ödeme sadece sağlık sigortasında 180 günden itibaren ve para çekme müsadesi ite mümkün.
Aylik prim
sigortalilik süresi ... güne kadar 64 yasa kadar
fazlalık olmadan
64 yasa kadar
muafiyet ile
65-74 yas arasi
fazlalık olmadan
65-74 yas arasi
muafiyet ile
sigortalilik süresi ... güne kadar:180 - 365 64 yasa kadar fazlalık olmadan: 59,00 EUR / ay 64 yasa kadar muafiyet ile: 50,00 EUR / ay 65-74 yas arasi fazlalık olmadan: 149,00 EUR / ay 65-74 yas arasi muafiyet ile: 126,00 EUR / ay
sigortalilik süresi ... güne kadar:366 - 730 64 yasa kadar fazlalık olmadan: 89,00 EUR / ay 64 yasa kadar muafiyet ile: 75,00 EUR / ay 65-74 yas arasi fazlalık olmadan: 286,00 EUR / ay 65-74 yas arasi muafiyet ile: 242,00 EUR / ay
Sigorta süresi -bütün uzatmalarla birlikte- en fazla iki senedir. Uzatmalarda ilk süre ile son secilen süre arasindaki fark ödenir. Ara süreler birlestirilemez. Bu durumda lütfen bir sonraki sigorta süresini seciniz.
Will the policy be extended automatically?

The insurance policy expires at the agreed upon point in time. There is no automatic extension.

What must be considered when extending a policy?

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 (e-mail, regular post, fax). You can find the appropriate form here.

  • In the case of policy extensions, insurance coverage is only provided for those insured events and symptoms that newly arose after the policy extension was applied for.
  • In the case of an extension for the plan with deductible, the premium is always calculated on the basis of the entire period of coverage. The payment already made for the original period is taken into account. An example: for an originally applied for duration of coverage of 30 days/premium 30.00 EUR.
  • In the case of an extension to 100 days total period of coverage, 73.50 EUR would be due (103.50 EUR less 30.00 EUR).
How, and in which cases, is it possible to terminate the policy?

If you end your stay abroad prematurely, you can terminate your policy in writing.
If you are refused a visa or do not enter the country due to other reasons, you have the option of terminating the insurance applied for in writing before coverage begins.

Wie erhalte ich im Online-Verfahren meine Versicherungsbestätigung?

Wenn Sie den Online-Antrag ausgefüllt und abgesendet haben, erhalten Sie bei positiver Plausibilitätsprüfung kurze Zeit später eine Bestätigungs-E-Mail an die von Ihnen angegebene E-Mail-Adresse. Diese E-Mail enthält folgende Dokumente im PDF-Format, die Sie sich ausdrucken und verwenden können:

  • Versicherungsschein (Police)
  • Versicherungsbedingungen, inklusive Verbraucherinformationen, Merkblatt zur Datenverarbeitung und Auszug aus dem Versicherungsvertragsgesetz

Sollte eine positive Plausibilitätenprüfung nicht möglich sein, werden wir uns innerhalb von zwei Arbeitstagen schriftlich mit Ihnen in Verbindung setzen.

Is it possible to pay the premiums via bank transfer instead of having them debited directly?

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.
The simplest and securest method is to grant a SEPA direct debiting authorization. Unfortunately, however, this is only possible for German and Austrian bank accounts. If you should decide to grant SEPA direct debiting authorization, please make sure that your account holds sufficient funds.

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.
Bank account: Hypovereinsbank AG, IBAN: DE23200300000000111161 SWIFT code (BIC): HYVEDEMM300

Can I pay the premiums monthly instead of all at once?

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.
The monthly premium for periods from 180 to 365 days is EUR 50,00 per month for persons up to the age of 64, EUR 126,00 per month for persons between 65 and 74 years of age. The monthly premium for a duration of coverage from 366 to 730 days is EUR 75,00 per month for persons up to the age of 64, EUR 242,00 per month for persons between 65 and 74 years of age. The one-time and monthly payment options are the only options available with Care Economy insurance coverage.

Does Care Economy protect against liability claims for damages from a third party?

No. We recommend also taking out personal liability insurance coverage.


Mesuliyet sigortası, sizi üçüncü şahısların tazminat taleplerine karşı korur.
Kaza sigortası, bir kazadan sonraki sakatlık veya ölüm halindeki işgücü kaybından meydana gelecek olan maddi zararlara karşı korur

Ayrıca sağlık sigortasının yanında aşağıdaki kapsam ile kaza sigortası veya mesuliyet/ kaza sigorta paketleri öneriyoruz:

Özel mesuliyet sigortası Tip S Tip M Tip XL
Kişisel ve eşya hasarları Tip S: EUR 1 Mio. Tip M: EUR 2 Mio. Tip XL: EUR 2.5 Mio.
Sınırdışı etme ile ilgili hasarlar Tip S: EUR 1,000 Tip M: EUR 2,000 Tip XL: EUR 3,000
Kiralık ve taşınmayan eşyanın sigortası, muafiyet %10,
en az 250 € hasar başına
Tip S: EUR 10,000 Tip M: EUR 25,000 Tip XL: EUR 50,000
Özel bir evin veya dairenin anahtarın kayıbı,
muafiyet %10, en az 100 € hasar başına
Tip S: - Tip M: - Tip XL: EUR 1,000
Mesleki sorumluluk sigortası Tip S: - Tip M: - Tip XL: (25.000,– EUR´ya kadar)
Hakedişin alınmamamasına karşı sigorta Tip S: - Tip M: - Tip XL: (10.000,– EUR´ya kadar)
Coverage in home country
(from one year term)
Tip S: - Tip M: - Tip XL: 6 hafta
Hasar başına muafiyet Tip S: EUR 250 Tip M: EUR 0 Tip XL: EUR 0
 
Ferdi kaza sigortası Tip S Tip M Tip XL
Toplam maluliyet Tip S: - Tip M: EUR 30,000 Tip XL: EUR 40,000
Maluliyetin azami miktarı, %350 progresyon derecesinde Tip S: - Tip M: EUR 105,000 Tip XL: EUR 140,000
Kaza halinde ölüm/ vefat Tip S: - Tip M: EUR 15,000 Tip XL: EUR 25,000
Kaza sonucu kurtarma masrafları Tip S: - Tip M: EUR 7,500 Tip XL: EUR 10,000
Kaza ile ilgili kosmetik tedavi/ ameliyat Tip S: - Tip M: EUR 2,500 Tip XL: EUR 5,000
Aylik prim* Tip S: EUR 2 Tip M: EUR 4 Tip XL: EUR 7.50
* Prim bir defalık olarak tüm süre için ödenmesi gerekiyor. Sigortanın koruması sadece tüm prim ödendimi gecerli.
Sigorta ürünün tam hizmet kapsamını öğrenmek için Ferdi kaza ve mesuliyet sigortasinin sartlari.
Are hospital stays and treatment by specialist physicians insured?

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.

What is not covered?

Services not covered are

  • illnesses, symptoms and consequences thereof that already existed, or were known, upon commencement or extension of coverage
  • the consequences of such illnesses and accidents that have been treated within the last six months before commencement or extension of coverage
  • psychoanalytic and psychotherapeutic treatment
  • screenings and preventive examinations; cancer diagnosis
  • examinations necessary for the granting of a residency permit
  • vaccinations
  • medical aids not due to an accident (e.g. glasses, contact lenses, compression stockings)
  • pregnancy already existing upon commencement of coverage, abortion
  • dental prostheses (with the exception of repairs), orthodontic treatment/implantological treatments, inlays, occlusal splints, gnathology
  • addiction/withdrawal treatment or therapy
  • certificates and expert reports

You will find a detailed description of benefits in the insurance terms and conditions.

What happens when the guest holds no visa?

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.

Can one take out Care Economy insurance as subsequent coverage following another insurance policy?

Care Economy coverage can also be taken out as a follow-up policy.

Can I apply for a social security number from you?

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.

Wieviele Tage soll ich in meinem Antrag als 'Versicherungsdauer' eintragen, wenn ich noch nicht genau weiß, wie lange der Aufenthalt in Deutschland dauern wird?

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.

Will I receive proof of my health insurance coverage for presentation to the Immigration Office?

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.

Yabancı misafirler için kaza-, mesuliyet - ve hastalık -sigortası Bild 5 Yabancı misafirler için kaza-, mesuliyet - ve hastalık -sigortası Bild 1 Yabancı misafirler için kaza-, mesuliyet - ve hastalık -sigortası Bild 2 Yabancı misafirler için kaza-, mesuliyet - ve hastalık -sigortası Bild 7

Türkçe tercüme sadece bizim bir hizmetimizdir. Kanunen geçerli olan metin Almança olandır.


Care Economy

Sigorta türü: Schengen vizesi olan yabancı misafirler için sağlık sigortası



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Yurtdışında güvenebileceğiniz seyahat sigortanız

 

Care Economy x

Sigorta türü: Yabancı misafirler için kaza-, mesuliyet - ve hastalık -sigortası

Sigorta edilebilecek kisiler: Seyahat etmek isteyen yabancı misafirler için Schengen vizesi

Giriş yaşı: 0-74 yillar

Süresi: 1 gün - 2 yillar


Care Economy

Hizmetler*

  • Schengen visesi için geçerli
  • Ayakta ve hastandede ağrı dindiriçi diş tedavileri
  • Anavatana tıbbi geri nakil
  • Tıbben gerekli hastaneye taşınma
*Tam hizmet kapsamı için lütfen Genel Sigorta Şartları'na bakınız.