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Care Economy - Health insurance abroad for foreign visitors

Care Economy - Health insurance abroad for foreign visitors

Product information sheet


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Product information travel health insurance Care Economy (PIB)

Produktinformationsblatt zur Auslandskrankenversicherung herunterladen
Produktinformationsblatt zur Auslandskrankenversicherung Care Economy Product Information Sheet on Care Economy Care Economy [PDF]
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Product information travel health insurance Care Economy 2017_7 (PIB)

You are interested in taking out travel insurance Care Economy? A good choice!
This information sheet is intended to give you a quick overview of the various options available.
Please note, however, that this does not contain all of the information relating to your policy.
For a full version of the contents of the policy, kindly refer to the insurance application form, the insurance policy and the terms and conditions of insurance for health insurance abroad for foreign guests and visitors at the Advigon Versicherung AG VB-KV 2017_7 (CEco2017_7), and later written agreements if any. Each of the following options for insurance cover is only valid if it is explicitly concluded by you, i.e. if it is included in the insurance cover selected by you!

What type of insurance is this?
Das Produkt Care Economy ist eine Auslandskrankenversicherung für Personen, die sich zeitlich befristet, d.h. für mindestens einen Tag bis höchstens zwei Jahre als Gast oder Besucher im Ausland aufhalten möchten.
Die Auslandskrankenversicherung übernimmt Kosten für unvorhersehbare, akut während des Aufenthalts im Ausland eintretende medizinisch notwendige, ambulante oder stationäre Heilbehandlungen wegen Krankheit oder Unfallfolgen sowie zahnmedizinische Behandlungen nach den jeweiligen Bedingungen. Die Versicherung muss vor Antritt der Auslandsreise bzw. innerhalb eines Jahres nach Einreise in das gewählte Aufenthaltsland abgeschlossen werden.

What is the scope of your insurance cover?
Den Umfang und die einzelnen Leistungen entnehmen Sie bitte der nachfolgenden Tabelle. All the details are an extract from the list of benefits. For the exact scope of benefits please refer to § 7 of the Terms and Conditions of Insurance VB-KV 2017_7 (CEco2017_7).

Care Economy - All benefits at a glance
Health insurance
Benefits* Care Economy
freephone service numbers Ja
out-patient treatment by a doctor Ja
in-patient treatment at a hospital (general nursing class - multiple-bed rooms - without optional benefits) including subsequent treatment. Ja
medically prescribed medications and dressings Ja
pregnancy examiniations and treatment; delivery (8 month waiting period) Ja
medically prescribed massages, medical packs and inhalers Ja
transportation costs to hospital for medical reasons Ja
transport in case of death/burial costs up to EUR 25,000.00 Ja
pain-deadening dental treatment incl. simple fillings and repair of existing dental prosthesis, max. EUR 300.00 per insurance duration up to 180 days, over 180 days max. EUR 600.00 Ja
medically prescribed aids following an accident Ja
additional cost for medically appropriate return up to EUR 25,000.00 Ja
direct settlement with the doctors, hospitals et. via treatment vouchers (in D/AUT only) Ja
Stay in home country (Duration >= 1 Year) up to 6 weeks / insurance year (Care Concept AG requires prior written notification of the stay in the home country.) Ja
deductible per insured event EUR 25.00

*For a complete list of benefits see the insurance conditions.

All the details are an extract from the list of benefits. For the exact scope of benefits please refer to the Terms and Conditions of Insurance.

What is not covered?
We exclude some cases from cover, since we would otherwise have to demand a very high premium.
Examples of insured events that are generally not insured are events in which the policyholder or insured person wilfully caused the insured event, the insured event is caused by foreseeable acts of war or civil unrest or in which the policyholder or insured person attempt to fraudulently misrepresent the circumstances that are of significance with regard to the reason for or amount of the benefit.

In addition, there is no cover in particular

  • for treatment abroad, which was at least also a reason for the start of the journey,
  • for addiction treatment or addiction cures,
  • für Kur- und Sanatoriumsbehandlungen sowie Rehabilitationsmaßnahmen,
  • for treatment or accommodation due to infirmity, need for nursing care or custody and
  • for organ donations and their consequences

You will find full details on the limitations of cover in § 8 of the Terms and Conditions of Insurance.

How much is the premium and when is it payable? What happens if you do not pay?
Der Beitrag für Ihre Versicherung kann als einmalige Beitragszahlung für die gesamte Versicherungsdauer entrichtet werden. Die Zahlung der Versicherungsprämie kann durch Vereinbarung auch in monatlichen Raten entrichtet werden. Die Höhe der (monatlichen) Prämie ergibt sich aus der gewählten Laufzeit sowie dem jeweiligen Eintrittsalter. Die jeweilige Prämie bitten wir der nachfolgenden Aufstellung zu entnehmen.
The first or single premium is due when the contract begins. Cover begins at the earliest from payment of the premium. If the amount of the first or single premium is not paid on or before the due date, the insurer providing cover is entitled to withdraw from the contract unless you are not responsible for non-payment. If you fail to pay one or several subsequent premiums after being called on to do so by a certain date by the insurer providing cover, the insurer is entitled to terminate the insurance contract. Please see the Terms and Conditions of Insurance for further details (§ 4).

Premium list Health insurance Care Economy
Single premium Health insurance
Term of insurance up to ... days up to 64 years 65-74 years
Term of insurance up to ... days: 90 up to 64 years: EUR 1.00 / Day 65-74 years: EUR 2.95 / Day
Term of insurance up to ... days: 91 - 180 up to 64 years: EUR 1.35 / Day 65-74 years: EUR 3.70 / Day
Term of insurance up to ... days: 181 - 365 up to 64 years: EUR 1.95 / Day 65-74 years: EUR 4.95 / Day
Term of insurance up to ... days: 366 - 730 up to 64 years: EUR 2.40 / Day 65-74 years: EUR 7.90 / Day
Minimum premium per person and term: EUR 10.00
 
Monthly payment type for health insurance is only possible from 180 days term of insurance and choosing direct debit.
Monthly premium health insurance
Term of insurance up to ... days up to 64 years 65-74 years
Term of insurance up to ... days: 180 - 365 up to 64 years: EUR 50.00 / Month 65-74 years: EUR 126.00 / Month
Term of insurance up to ... days: 366 - 730 up to 64 years: EUR 75.00 / Month 65-74 years: EUR 242.00 / Month
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.

Wir weisen Sie hiermit darauf hin, dass in unseren Prämien keine Versicherungssteuer enthalten ist, da die Krankenversicherung von der Steuerpflicht befreit ist.

Duties (obligations) to be complied with:
What obligations arise at the time of conclusion of contract?

At the time of conclusion of contract you must have disclosed all information fully and truly. If you fail to do so, your insurance cover is endangered!

Welche Pflichten haben Sie während der Laufzeit des Vertrages?

Unabhängig von der rechtzeitigen Beitragszahlung haben Sie während der Laufzeit Ihres Versicherungsvertrages bestimmte Anzeigepflichten zu beachten. Sofern wir es für die Schadenbearbeitung benötigen, müssen Sie über Beginn und Ende eines jeden Heimatland-Aufenthaltes oder eines Drittlandes einen Nachweis erbringen. Die Annahme der Staatsbürgerschaft des Aufenthaltslandes, die Erteilung einer unbefristeten Aufenthaltsgenehmigung oder die Versagung der Aufenthaltserlaubnis für das Aufenthaltsland sind uns ebenfalls umgehend anzuzeigen. Weitere Anzeigepflichten entnehmen Sie bitte den jeweiligen Allgemeinen Versicherungsbedingungen.

What obligations do you have to fulfil if an event covered by the insurance occurs?
Um einen eingetretenen Versicherungsfall möglichst zügig bearbeiten zu können, sind Schäden unverzüglich anzuzeigen und die übersandte Schadenanzeige wahrheitsgemäß und vollständig auszufüllen. Make sure that the damage incurred remains as small as possible! Avoid everything that might lead to an unnecessary increase in costs. Die vollständigen Angaben zu den Pflichten, wenn der Versicherungsfall eintritt, entnehmen Sie bitte § 9 Ziff. 1-4 der Versicherungsbedingungen

What are the legal consequences, if you fail to meet your obligations?
Very important: If you violate your obligations, Advigon Versicherung AG is entitled to reduce the benefits due by an amount corresponding to the gravity of the violation. This can even lead to a complete loss of insurance cover. For more details in this connection, see § 9 Ziff. 5 of the Terms and Conditions of Insurance.

When does your insurance cover begin and when does it end?
Der Versicherungsschutz beginnt mit dem im Versicherungsschein bezeichneten Zeitpunkt, nicht jedoch vor dem Zustandekommen des Versicherungsvertrages und der Zahlung der Erstprämie.
Der Versicherungsschutz beginnt nicht vor Einreise in die Bundesrepublik Deutschland bzw. der Republik Österreich, nicht vor der Grenzüberschreitung ins Ausland sowie dem Ablauf vertraglich bestimmter Wartezeiten.
Der Versicherungsschutz endet (auch für schwebende Versicherungsfälle):

  • on the agreed expiry date,
  • at the end of the insurance contract,
  • on the date on which one of the requirements for the insurability of the insured person ceases to apply gemäß § 1 VB-KV 2017_7 (CEco2017_7),
  • at the end of the stay abroad.

For further details, please see § 6 Ziff. 2 and Ziff. 4 of the Terms and Conditions of Insurance.

Beendigung des Versicherungsvertrages
Der Versicherungsvertrag endet mit Ablauf der in der Versicherungspolice genannten vereinbarten Laufzeit. Nach Ablauf der Mindestlaufzeit kann das Versicherungsverhältnis durch den Versicherungsnehmer jederzeit gekündigt werden. In diesem Fall steht dem Versicherungsnehmer für den Zeitraum des nicht in Anspruch genommenen Versicherungsschutzes die Rückerstattung bereits geleisteter Beiträge zu. Näheres entnehmen Sie bitte § 3 Ziff. 1 der Versicherungsbedingungen.

To whom must you submit your declarations?

All declarations regarding your insurance relationship must be addressed to:

Care Concept AG, Postfach 30 02 62, 53182 Bonn
Telephone: +49 228 97735-0
Fax-no.: +49 228 97735-35
e-mail: info@care-concept.de

If your declaration is received by Care Concept AG, it is also deemed to have been received by the responsible insurer Advigon Versicherung AG.

Health insurance abroad for foreign visitors Bild 5 Health insurance abroad for foreign visitors Bild 1 Health insurance abroad for foreign visitors Bild 2 Health insurance abroad for foreign visitors Bild 7

Please note that the English translation is for convenience only. The legally binding version is the German one.


Care Economy

Insurance type:



 Direct order

Care Concept AG
Your reliable health insurance partner abroad