|Why does the foreign guest need insurance?|
|Scope of insurance coverage/Duration|
|Summary of benefits|
|Important notes about insurance cover|
|What is not insured - exclusion from coverage|
|Accident and liability insurance|
For a complete list of benefits see the insurance conditions (AVB).
Many foreign citizens who spend time in Germany, in the EU, Switzerland or Liechtenstein often have no or inadequate insurance cover. Unfortunately, illnesses and accidents cannot been tirely avoided and can incur substantial financial sacrifices.
Regardless whether you are travelling privately or on business, the foreign travel insurance policy of Care Visa Protect will cover the costs of any required medical treatment.
The insurance Care Visa Protect applies only for stays with a visa in the member states of the European Union and the Schengen States. You can choose a term of insurance from one day up to 92 days or in case of "multiple visa" for any number of travels for a maximum period of up to 92 days per insured year.
We refund documented costs in case of illness or accident in Germany and all EU Countries for
The insurer is not liable to perform in cases
You will find a detailed description of benefits in the insurance conditions. In addition to general policy terms, only the German version of this tariff is legally obligatory.
If you are going to enter Germany or any other country of the EU by "multiple visa" numerously within one year, you are able to insure yourself with the tariff "Care Visa Protect" for a yearly premium of EUR 110.00 or rather EUR 215.00.
|Single premium health insurance|
|up to 64 years of age||65 - 74 Years|
|up to 64 years of age:EUR 0.85 / Day||65 - 74 Years:EUR 2.60 / Day|
|Minimum premium per person: €8.50|
|Yearly premium health insurance "Multiple Visa"
In case of multiple entries within one year with one visa, we speak of multiple visas
for any number of travels for a maximum period of up to 92 days per insured year
|up to 64 years of age||65 - 74 Years|
|up to 64 years of age: EUR 110.00 / Year||65 - 74 Years: EUR 215.00 / Year|
The treatment costs for accident injuries are covered by the health insurance. Long-term invalidity risks can only be covered by an accident insurance policy. We therefore recommend that you take out an accident and liability policy.
In addition to health insurance we offer – in a legally independent policy – personal liability insurance or a personal liability/accident insurance package with the following benefits:
|Personal liability insurance||Type S||Type M||Type XL|
|Lump sum coverage for personal injury and property damage||Type S: €1 Mio.||Type M: €2 Mio.||Type XL: €2.5 Mio.|
|Deportation costs to cover legal obligations of the policyholder against German authorities||Type S: €1,000||Type M: €2,000||Type XL: €3,000|
|Co-insurance of damage to rented property for immovable objects, deductible 10%, minimum EUR 250.00 per claim||Type S: €10,000||Type M: €25,000||Type XL: €50,000|
|Loss-of-key coverage for private dwellings (i.e. room or apartment), deductible EUR 100.00 per claim
||Type S: -||Type M: -||Type XL: €1,000|
|General deductible per claim||Type S: €250||Type M: €0||Type XL: €0|
|Accident insurance||Type S||Type M||Type XL|
|Basic disability benefit||Type S: -||Type M: €30,000||Type XL: €40,000|
|Maximum disability benefit with a degree of disability of 350%||Type S: -||Type M: €105,000||Type XL: €140,000|
|Death benefit in the event of accidental death||Type S: -||Type M: €15,000||Type XL: €25,000|
|Rescue costs following an accident||Type S: -||Type M: €7,500||Type XL: €10,000|
|Cosmetic operations due to an accident||Type S: -||Type M: €2,500||Type XL: €5,000|
|Monthly premium*||Type S: € 2||Type M: €4||Type XL: €7.50|
|Minimum premium||Type S: €10||Type M: €12||Type XL: €15|
The premium must be paid as a one-time premium for the entire duration of coverage. Insurance coverage is only provided when the insurance premium has been paid in full.
Legal note: The information contained in this publication does not constitute the basis of any contract, but rather serves solely as to provide a product overview/description. Only the General Terms and Conditions of Insurance and the policy terms and conditions, upon which your contract is based, are legally binding.
Please note that the English translation is offered as a service for convenience only. The legally binding version is the German version.