Care Expatriate - Health insurance abroad for expatriates

Summary of benefits:

• outpatient medical treatment deemed medically necessary and rendered by a physician at 100 %
• Outpatient rehabilitation measures up to 21 days
• prescription medications and dressings at 100 %
• pregnancy check-ups, as long as the insured is not pregnant upon commencement of coverage
• inpatient medical treatment in the hospital, shared room (standard care class), no optional services covered (no private medical treatment)
• ambulance service required for inpatient medical treatment to/from the nearest appropriate hospital
• medically necessary dental treatments including fillings as well as annual check-ups and tooth cleanings - 100% of costs covered up to EUR 600.00 per policy year
• dental prosthesis required following an accident including the cost of repairs - 80% of costs covered to max. EUR 1,000.00 per accident and policy year commenced
• additional costs for medically advisable repatriation
• repatriation/burial costs in event of death of the insured person up to EUR 25,000.00
• remedies and treatment, such as massages and physiotherapy up to a total of EUR 250.00 per policy year
• psychoanalytic and psychotherapeutic treatment up to EUR 500.00 per policy year (up to EUR 100.00 per session)
• medical aids due to an accident up to max. EUR 500.00 per policy year
• up to 30 days coverage per policy year in home country. Care Concept AG requires prior written notification of the home country stay. Care Concept AG requires prior written notification of the home country stay.
• daily hospital allowance, all in EUR 100.00 for each stay exceeding 14 days
• if need be, pre-existing conditions can be insured with a deductible of EUR 5,000.00 for every insured person and policy year started.

This plan includes a general deductible of EUR 150.00 per policy year.
For a complete list of benefits please see the General Terms and Conditions of Insurance (AVB) as well as the policy terms and conditions.

This plan is based on Care Expatriate Basic with the following additional benefits:

• medically necessary dental treatments including fillings as well as annual check-ups and tooth cleanings – at 100 % of reimbursable invoice amount
• dental prosthesis necessary following an accident including the cost of repairs, up to 80% of invoice amount up to max. EUR 2,000.00 per accident and policy year commenced
• treatment and remedies, such as massages and physiotherapy up to a total of EUR 500.00 per policy year
• psychoanalytical and psychotherapeutic treatments up to EUR 1,000.00 per policy year (up to EUR 100.00 per session)
• medical aids prescribed by a physician, max. EUR 500.00 per policy year
• wheelchairs, hearing and speech aids prescribed by a doctor, max. EUR 1,000.00 per policy year
• dental prosthesis deemed medically necessary, including repair costs (at 60% the invoice amount). The reimbursement is limited to a maximum of:
  • EUR 500.00 in 1st policy year,
  • EUR 1,000.00 in 2nd policy year,
  • EUR 1,500.00 in 3rd policy year,
  • EUR 2,500.00 for every policy year thereafter.
  In cases where a treatment plan and cost estimate are not submitted prior to treatment, only 50% of the maximum reimbursable treatment costs shall be paid out when the medical necessity of the treatment has been demonstrated.
• screening examinations aimed at early detection of disease, esp. screenings for children, max. EUR 250.00 per policy year
• vision aids prescribed by a physician, max. EUR 100.00 per policy year
• up to 45 days coverage per policy year in home country. Care Concept AG requires prior written notification of the home country stay. Care Concept AG requires prior written notification of the home country stay.
• if need be, pre-existing conditions can be insured with a deductible of EUR 5,000.00 for every insured person and policy year. One can apply for the deductible to be waived by providing more detailed health information.
• daily hospital allowance of EUR 20.00 for each full inpatient day up to 20 days per policy year
• repatriation/burial costs in event of death of the insured person up to EUR 25,000.00
• upon request: costs for transport for a visiting family member in case of inpatient treatment at a hospital for more than 14 days: up to 500 EUR

This plan includes a general deductible of EUR 150.00 or EUR 500.00 per policy year. For a complete list of benefits please see the General Terms and Conditions of Insurance (AVB) as well as the policy terms and conditions.

The plan is based on Care Expatriate Comfort with the following additional benefits:

• inpatient medical treatment, shared room (standard care class), no optional services. In cases where the policy applies outside of Germany, accommodation in a single room/shared two-person room is included
• dental prosthesis required following an accident, including the cost of repairs, at 100% the invoice amount up to max. EUR 3,000.00 per accident and policy year started
• treatment and remedies, such as massages and physiotherapy up to a total of EUR 1,500.00 per policy year
• repatriation/burial costs in event of death of the insured person up to EUR 25,000.00
• psychoanalytical and psychotherapeutic treatment up to EUR 1,500.00 per policy year (up to EUR 150.00 per session)
• medical aids prescribed by a physician, max. EUR 2,500.00 per policy year
• dental prosthesis deemed medically necessary, including repair costs (at 80% the invoice amount). The reimbursement is limited to a maximum of:
  • EUR 750.00 in 1st policy year,
  • EUR 1,500.00 in 2nd policy year,
  • EUR 2,500.00 in 3rd policy year,
  • EUR 4,000.00 for every year thereafter.
  In cases where a treatment plan and cost estimate are not submitted prior to treatment, only 50% of the maximum reimbursable treatment costs shall be paid out when the medical necessity of the treatment has been demonstrated.
• screening examinations aimed at early detection of disease, esp. screenings for children, max. EUR 500.00 per policy year
• vision aids prescribed by a physician, max. EUR 300.00 per policy year
• up to 90 days coverage per policy year in home country. Care Concept AG requires prior written notification of the home country stay.up to 90 days per year insurance cover in own country Care Concept AG requires prior written notification of the home country stay.
• daily hospital allowance of EUR 30.00 for each full inpatient day up to 30 days per policy year
• upon request: costs for transport for a visiting family member in case of inpatient treatment at a hospital for more than 14 days: up to 1.000 EUR

This plan includes a general deductible of EUR 500.00 or EUR 1,000.00 per policy year. Policies without deductibles are also available. For a complete list of benefits please see the General Terms and Conditions of Insurance (AVB) as well as the policy terms and conditions.

Business travelers abroad – on assignment or self-employed - may be unable to carry out their duties for a long period of time due to a sudden illness or accident and may suffer severe financial losses as a result. While this is regulated by law in Germany for persons subject to social security contributions (continued payment of wages in the event of illness), all other employed persons must make their own provisions for this case.
For this reason, we offer a "Care Cash" per diem sickness benefit plan for business and freelance travelers or travelers on assignment up to the age of 67 as a supplement to the "Care Expatriate" plan.
"Care Cash" offers insurance coverage in the form of a daily sickness allowance against loss of earnings as a result of accidents or unexpected and acute illnesses arising abroad in the event of a medically diagnosed incapacity to work.
The duration of coverage in "Care Cash" must be identical to that of the above-mentioned health insurance plan rates. If the initial "Care Cash" policy is purchased for a period of five years, the insured person secures a guarantee of continued coverage for a further five years.
The "Care Cash" plan does not cover persons who have acquired the nationality of the host country or who have transferred their permanent residency to the host country without having a desire to return to their home country.

Insurable persons are travelers who intend to stay abroad temporarily for more than 3 continuous months. A policy must commence prior to the insured person reaching the age of 67 (prior tot he 67th birthday). In order to take out Care Cash coverage, one has to already have a Care Expatriate policy.

The insurance coverage provides payment of a daily sickness benefit as a result of an inability to work established in the course of medically necessary treatment abroad. Incapacity to work exists if the insured person is temporarily unable to carry out his/her profession in any way whatsoever according to medical findings, does not carry out their occupation and does not pursue any other gainful employment.

Not covered by the policy are countries of which the insured person is a citizen and/or which were the permanent place of residency of the person prior to commencement of his/her travels.

Advigon Versicherung AG

Drescheweg 1
9490 Vaduz
Liechtenstein

The minimum duration of coverage is 3 months. The maximum period of coverage for stays in Germany is 5 years, including all policy extensions.
Outside of Germany, persons can apply for any number of policy extensions during their stay abroad until reaching the age of 67. Persons taking out an initial 5-year policy valid outside of Germany will receive a one-time acceptance guarantee for a follow-up policy for a maximum period of a further 5 years.

The obligation to pay benefits begins on the first day of the incapacity to work. Payment of the daily allowance begins after the end of the period during which no benefits are due (waiting period). The waiting period is either 42, 91 or 183 days, depending on the contractual provisions. The maximum benefit period is 78 weeks, and the waiting period is credited to the maximum benefit period. The obligation to provide benefits also ends in the event of a permanent decrease in work or earning capacity, including any benefit obligation for existing insured events. The level of benefits may not exceed 90% of the average net income of the last 12 months, converted to the calendar day.
The daily sickness allowance insurance plan, Care Cash, compensates for expenses incurred during an extended illness or injury resulting in a loss of income.

Take out your Care Expatriate coverage online here: online application.