原则上,在保险生效以后发生的疾病都属于保险范围.保险生效以前已经存在的疾病(以前疾病)例外。专科医生(比如骨科、妇产科医生等)的诊治以及必要的住院治疗都包括在内.(住院待遇:普通多床位病房,不含大夫和房间选择)详细的保险范围清参阅保险条例.
Care College Basic/-Comfort/-Premium -
All benefits at a glance*
Health insurance |
Benefits* |
Care College Basic |
Care College Comfort |
Care College Premium |
|
Basic: online application |
Comfort: online application |
Premium: online application |
outpatient treatment by a doctor |
Basic: |
Comfort: |
Premium: |
prescription medications and ambulance services |
Basic: |
Comfort: |
Premium: |
inpatient treatment in the hospital |
Basic: |
Comfort: |
Premium: |
analgesic dental treatment |
Basic:
up to EUR 500.00/ policy year |
Comfort:
up to EUR 750.00/ policy year |
Premium: up to EUR 1,250.00/ policy year |
cost for dental prosthesis (within 2 years of insurance term, qualifying period:8 months) |
Basic: - |
Comfort: 50 % up to EUR 500.00 |
Premium: 70 % up to EUR 1,000.00 |
accident-related dental prosthesis |
Basic: - |
Comfort: up to EUR 1,000.00 |
Premium: up to EUR 2,500.00 |
prescription accident-related medical aids (basic version) |
Basic: up to EUR 250.00/ policy year |
Comfort:
up to EUR 500.00/ policy year |
Premium:
100 % |
medication |
Basic: up to EUR 250.00/ policy year |
Comfort: up to EUR 500.00/ policy year |
Premium: up to EUR 1,500.00/ policy year |
visual aids (up to EUR 100.00, 3 months qualifying period) |
Basic: - |
Comfort: - |
Premium: |
additional costs for medically advisable repatriation |
Basic: up to EUR 10,000.00 |
Comfort: 100 % |
Premium: 100% |
deductible/policy year |
Basic: EUR 120.00 |
Comfort: no deductible |
Premium: no deductible |
costs for treatment acc. GOÄ/GOZ in Germany |
Basic: up to 1.8 times the basic rate in the fee schedule |
Comfort: up to 2.3 times the basic rate in the fee schedule |
Premium: up to 2.3 times the basic rate in the fee schedule |
world-wide emergency services |
Basic: |
Comfort: |
Premium: |
extended liability period |
Basic: 4 weeks |
Comfort: 4 weeks |
Premium: 8 weeks |
repatriation/burial costs in event of death of the insured person |
Basic: up to EUR 25,000.00 |
Comfort: up to EUR 25,000.00 |
Premium: up to EUR 25,000.00 |
worldwide scope of coverage (excl. USA, Canada, Mexico) |
Basic: |
Comfort: |
Premium: |
insurance coverage in home country (depending on the insurance period) |
Basic: |
Comfort: |
Premium: |
treatment of mental illnesses (also inpatient) with the exception of psychoanalysis and psychotherapy |
Basic: |
Comfort: |
Premium: |
insurance card |
Basic: digital |
Comfort: digital |
Premium: digital |
refund if no claims in one policy year
|
Basic: - |
Comfort: 2 months' premium |
Premium: 2 months' premium |
sick pay in event of a severe illness/disease upon request: |
Basic: - |
Comfort: EUR 1,500.00/ policy year |
Premium: EUR 2,500.00/ policy year |
costs for transport for a visiting family member in case of inpatient treatment at a hospital for more than 14 days |
Basic: - |
Comfort: EUR 500.00 |
Premium: EUR 1,250.00 |
daily hospital allowance (all in EUR 100.00 for hospital stays exceeding 14 days) |
Basic: - |
Comfort: - |
Premium: |