You are interested in taking out travel insurance with Advigon Versicherung AG? 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, 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?
Your insurance is a travel insurance that is valid for a limited period. The travel health insurance covers the costs for unforeseeable medically necessary outpatient or inpatient treatment due to illness or the consequences of an accident in acute cases during the stay abroad.

What is the scope of your insurance cover?
The scope of cover and the individual benefits are determined by the tariff selected.

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 %
remedies	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:

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

How much is the premium and when is it payable? What happens if you do not pay?
Your insurance premium is a monthly premium. It is based on the selected tariff and period. Please note that, in the case of contractual periods of more than 18 months, the premium will be increased from the 19th month. For the current premiums, please see the following list. You can find the exact premium for the respective cover in that list. 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 (§ 3, Teil A, Allgemeine Bedingungen der vereinbarten Versicherungsbedingungen).

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 cures,
• for hypnosis, psychoanalytical or psychotherapeutic treatment,
• 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 the Terms and Conditions of Insurance (§ 6, Teil A: Allgemeine Bedingungen der vereinbarten Versicherungsbedingungen).

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!

What obligations do you have to fulfil if an event covered by the insurance occurs?
Der Schaden ist möglichst gering zu halten! Es ist alles zu vermeiden, was zu einer unnötigen Kostenerhöhung führen könnte. Schäden sind unverzüglich anzuzeigen und die übersandte Schadenanzeige wahrheitsgemäß und vollständig auszufüllen. Die vollständigen Angaben zu den Pflichten, wenn der Versicherungsfall eintritt, entnehmen Sie bitte § 7, Teil A: Allgemeine Bedingungen der vereinbarten 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 the Terms and Conditions of Insurance (§ 10 Ziff 6, Teil A: Allgemeine Bedingungen der vereinbarten Versicherungsbedingungen).

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 endet:

• 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,
• at the end of the stay abroad.

For further details, please see the Terms and Conditions of Insurance (§ 6 Ziff. 3, Teil A: Allgemeine Bedingungen der vereinbarten 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
Email: 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.