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     Krankenversicherung im Ausland



Care College - günstige Krankenversicherung für Sprachschüler und Studenten

Care College - günstige Krankenversicherung für Sprachschüler und Studenten

Care College Health insurance

FAQ



FAQ tariff Care College
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
günstige Krankenversicherung für Sprachschüler und Studenten Care College 4 günstige Krankenversicherung für Sprachschüler und Studenten Care College 6 günstige Krankenversicherung für Sprachschüler und Studenten Care College 3 günstige Krankenversicherung für Sprachschüler und Studenten Care College 10
Who is eligible for international health insurance coverage under the Care College Basic, Comfort and Premium plans?

incoming:

Non-Germans* may take out international insurance coverage with a “Care College Basic/Comfort/Premium” policy during stays in Germany, the EU or a Schengen area country for the purpose of training or further education (with the exception of Austria). Even after Brexit (Great Britain’s withdrawal from the EU) foreign nationals can continue to insure themselves for stays in Great Britain.

outgoing:

Germans* or Austrians** may take out international insurance coverage with a “Care College Basic/Comfort/Premium” policy during their stay worldwide for the purpose of training or further education (with the exception of USA, Canada and Mexico).

*Any person, independently of his/her actual nationality, will be deemed a German if he/she has had their permanent residency in Germany for at least two years and is temporarily staying abroad.

**Any person, independently of his/her actual nationality, will be deemed an Austrian if he/she has had his/her permanent residency in Austria for at least two years and is temporarily staying abroad.

The maximum age in both cases is 40 at the time of taking out coverage.

The Care College plan provides health insurance coverage for language school participants, incl. preparatory colleges (Studienkollege), guest scientists, and individuals preparing for the DSH (German language entrance examination), German students at foreign universities/colleges.

TIP: If you should also require insurance coverage for USA, Canada and Mexico, we recommend our Care College USA plan, and for stays in Austria, our Care Austria plan.

How long is one covered for?
  • The minimum duration of coverage in "Care College Basic/Comfort/Premium" is 1 month.
  • The maximum duration of coverage, including all extensions, is 5 years.
Is the policy extended automatically?

The insurance policy expires at the agreed upon point in time and is not automatically extended.

What should one consider when extending a policy?
  • Applications for extension must be submitted before the policy as originally purchased expires.
  • If the stay lasts longer than planned, you must inform Care Concept AG before the end of the originally planned expected term in the Care College tariff. The easiest way to do this is in your account in the My Care Concept customer portal.
How, and in which cases, is it possible to terminate the policy prematurely?
  • Premature termination may only be applied for in written form (e-mail, fax, regular mail). The termination application can be given without observing a specific form. We require the following information for processing of your application: the policy number, the name of the insured person, the original expiration date of the policy, the desired new date of expiration, the reason for termination and, if applicable, documentation showing proof of the departure.
  • A reimbursement of excess premium payments is possible, subject to the deduction of a €5.00 processing fee.
  • A premature termination is possible in the following cases:
    1. If the stay abroad has been prematurely ended.
    2. If the participation in language courses or projects has ended and the prerequisites for maintaining the policy no longer exist.
    3. If you begin a course of study and are subject to mandatory public health insurance.
    4. If the entry visa is not granted or if entry into the country does not take place for other reasons, a written cancellation of the application is possible before commencement of the coverage.
How do I obtain my confirmation of coverage online?

Once you have completely filled in and sent the online application form, we will deposit your insurance documents for you in our My Care Concept customer portal shortly therafter and upon successful assessment of your application. There you will find the following documents, which you can download, print out and use:

  • your confirmation of coverage for presentation at embassies, visa offices and authorities
  • the insurance terms and conditions incl. consumer information as well as a fact sheet on data processing and an excerpt from the Insurance Contract Act (VVG)

If we are unable to approve your application, we will contact you in writing within two working days.

Is it possible to transfer the premium payments every month instead of having them debited directly?

You may, provided you give your policy number, transfer the full (monthly) premium to the account listed below, submit a SEPA direct debit mandate 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 bank transfer or cash payment.

The simplest and securest method is to grant a SEPA Direct Debit Mandate. Unfortunately, this is only possible for German or Austrian bank accounts. If you grant a SEPA direct debit mandate, please make sure that your account always contains sufficient funds.

If you have not yet opened an account, you can make a cash payment, provided you state your policy number under the reason for the payment, at any bank or post office bank.
Bank account: Hypovereinsbank AG, IBAN: DE23 2003 0000 0000 1111 61 Swift Code (BIC): HYVEDEMM300

Are stays in hospital and treatment by medical specialists insured?

In general, every type of medical treatment which is considered necessary and which did not begin before commencement of the insurance coverage (pre-existing condition) is covered. The international health insurance coverage includes medical treatment by specialists (e.g., orthopaedists, gynaecologists) and inpatient treatment in the standard care class, excluding treatment by the head physician. You will find a detailed list of benefits in the description section and in the General Terms and Conditions of Insurance.

Care College Basic/-Comfort/-Premium -
Alle Leistungen auf einen Blick*
Krankenversicherung
Leistungen* Care College Basic Care College Comfort Care College Premium
Basic: Online-Antrag Comfort: Online-Antrag Premium: Online-Antrag
ambulante Behandlung beim Arzt Basic: Ja Comfort: Ja Premium: Ja
ärztlich verordnete Medikamente und Krankentransporte Basic: Ja Comfort: Ja Premium: Ja
stationäre Behandlung im Krankenhaus Basic: Ja Comfort: Ja Premium: Ja
schmerzstillende Zahnbehandlung Basic: Ja bis 500,– EUR/ Versicherungsjahr Comfort: Ja bis 750,– EUR/ Versicherungsjahr Premium: Jabis 1.250,– EUR/ Versicherungsjahr
Zahnersatzkosten (in 2 Versicherungsjahren; Wartezeit 8 Monate) Basic: - Comfort: Ja50 % bis 500,– EUR Premium: Ja70 % bis 1.000,– EUR
unfallbedingter Zahnersatz Basic: - Comfort: Ja bis 1.000,– EUR Premium: Ja bis 2.500,– EUR
ärztlich verordnete Hilfsmittel nach einem Unfall (einfache Ausführung) Basic: Jabis 250,– EUR/ Versicherungsjahr Comfort: Ja bis 500,– EUR/ Versicherungsjahr Premium: Ja zu 100 %
Heilmittel Basic: Jabis 250,– EUR/ Versicherungsjahr Comfort: Jabis 500,– EUR/ Versicherungsjahr Premium: Jabis 1.500,– EUR/ Versicherungsjahr
Sehhilfen (bis 100,– EUR; Wartezeit 3 Monate) Basic: - Comfort: - Premium: Ja
Mehrkosten eines medizinisch sinnvollen Rücktransports Basic: Jabis 10.000,– EUR Comfort: Jazu 100 % Premium: Jazu 100 %
Selbstbehalt / Versicherungsjahr Basic: Ja120,– EUR Comfort: kein Selbstbehalt Premium: kein Selbstbehalt
Kostenerstattung Heilbehandlungskosten nach GOÄ/GOZ in Deutschland Basic: Jabis max. 1,8 facher Satz Comfort: Jabis max. 2,3 facher Satz Premium: Jabis max. 2,3 facher Satz
Notfallservice weltweit Basic: Ja Comfort: Ja Premium: Ja
Nachhaftung Basic: Ja4 Wochen Comfort: Ja4 Wochen Premium: Ja8 Wochen
Überführungskosten bei Tod/Bestattungskosten Basic: Jabis 25.000,– EUR Comfort: Jabis 25.000,– EUR Premium: Jabis 25.000,– EUR
Geltungsbereich weltweit (ohne USA, Kanada, Mexiko) Basic: Ja Comfort: Ja Premium: Ja
Versicherungsschutz im Heimatland (laufzeitabhängig) Basic: Ja Comfort: Ja Premium: Ja
Behandlung von psychischen Erkrankungen (auch stationär) mit Ausnahme von Psychoanalyse und Psychotherapie Basic: Ja Comfort: Ja Premium: Ja
Versicherungskarte Basic: Jadigital Comfort: Jadigital Premium: Jadigital
Rückerstattung bei Leistungsfreiheit innerhalb eines Versicherungsjahres Basic: - Comfort: Ja2 Monatsprämien Premium: Ja2 Monatsprämien
Ausfallgeld bei schwerer Erkrankung Basic: - Comfort: Ja1.500,– EUR/ Versicherungsjahr Premium: Ja2.500,– EUR/ Versicherungsjahr
Transportkosten für Besuch eines Familienangehörigen bei stationärer Krankenhausbehandlung von mehr als 14 Tagen Basic: - Comfort: Ja 500,– EUR Premium: Ja 1.250,– EUR
Krankenhaustagegeld (pauschal 100,– EUR bei Krankenhausaufenthalten von mehr als 14 Tagen) Basic: - Comfort: - Premium: Ja

*Den genauen Leistungsumfang entnehmen Sie bitte den Versicherungsbedingungen

Does insurance for language school participants also protect against third party claims for damages?

No, it is advisable to also take out personal liability insurance. In addition to health insurance, we offer - in a legally independent policy - personal liability insurance or a personal liability/accident insurance package.

Am I also insured while visiting my home country?

Yes, you are also insured in general if you temporarily return to your home country during the contract period. This is then also referred to as "home country coverage." How long you are also covered in your home country depends on how long your duration of coverage is. The duration of insurance coverage in your home country is graded as follows:

Policies with a period of Coverage in home country*
Policies with a period of up to 4 months Coverage in home country*: up to 14 days**
Policies with a period of more than 4 months and less than 12 months Coverage in home country*: up to 28 days**
Policies with a period of exactly 1 year Coverage in home country*: up to 42 days
Policies with a period of longer than 1 year Coverage in home country*: up to 42 days in the first policy year. For each further half policy year started, up to 21 days

*Please note the following definition: Home country is the country of citizenship or permanent residency of the traveler.
**For several consecutive policies during the year, a maximum of 42 days within the policy year.
Can Care College be taken out subsequent to other insurance to provide continued coverage?

This plan is also suitable as follow-up insurance. The respective waiting periods apply where applicable.

How long does it take to get reimbursed in the case of a claim?

Reimbursement of costs, less the deductibles, will be made within 10 working days.

Can a premium refund be requested if no claims have been submitted?

In the case no claims have been made with a minimum duration of coverage of 12 months, a 2 months’ premium refund for Care College Comfort and Care College Premium can be applied for.

How many rates are offered in Care College?

There are three rates: Care College Basic, Comfort and Premium.

I am unable to finish my training program I started abroad. Am I entitled to benefits?

In Care College Comfort and Care College Premium, we reimburse the costs of educational measures that have been booked but not taken in the form of a flat-rate daily hospital allowance benefit (sick pay allowance).

When am I entitled to insured sick pay?

Entitlement to insured sick pay benefits exists in the event of a serious illness/severe consequences of an accident which lead to inpatient treatment for 14 days and a subsequent incapacity to work so that inpatient treatment and the incapacity to work together amount to a minimum of 90 days (without interruption).

Rechtlicher Hinweis: Die in dieser Veröffentlichung enthaltenen Angaben stellen keine Vertragsgrundlage dar, sondern dienen ausschließlich der Produktbeschreibung. Maßgeblich sind ausschließlich die Allgemeinen Versicherungs- und Tarifbedingungen, die Ihrem Vertrag zugrunde liegen.

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Care College

Versicherungstyp: Auslandskrankenversicherung für Sprachschüler, ausländische Studenten



© Care Concept AG 2024
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Care Concept AG
Ihr zuverlässiger Partner für Krankenversicherung im Ausland

 
+492289773544

Care College x

Versicherungstyp: Krankenversicherung für Sprachschüler und Studenten

Versicherbare Personen: Sprachschüler, ausländische Studenten, Doktoranden

Eintrittsalter: 12-40 Jahre

Laufzeit: 1 - 60 Monate


Care College

Leistungen*

  • Gültig für das Schengen-Visum
  • Ambulante, stationäre, zahnmedizinische Behandlung
  • Mehrkosten eines medizinisch sinnvollen Rücktransports ins Heimatland
  • Comfort/Premium: Rückerstattung von 2 Monatsprämien bei Leistungsfreiheit innerhalb eines Versicherungsjahres
*Den genauen Leistungsumfang entnehmen Sie bitte den Versicherungsbedingungen