Corona viruses cause various diseases in humans. The novel coronavirus occurs as a causative agent of everything from mild colds to severe diseases.

The name of the newly identified coronavirus is SARS-CoV-2, and the actual disease that the virus can cause and that is considered to be the trigger of the coronavirus epidemic is called COVID-19.

With the coronavirus, the generally recommended hygiene measures apply, which also protect against an influenza infection. Do not cough or sneeze into your hands, but into the crook of your arm or into a handkerchief. Also make sure that you wash your hands properly and keep your distance from those who are ill. You should also avoid attending major events and shaking hands. You can find further information at the Robert Koch Institute.

Anyone who shows cold symptoms should first call their family doctor's practice and describe the symptoms. They will then clarify the further procedure. If nobody can be reached there and you are in Germany, the patient service of the medical on-call service can be reached around the clock at 116 117. In emergencies, please call the usual emergency numbers.

We would like to expressly warn you not to travel to countries with travel warnings, as this may also have other consequences for your insurance cover. The list of countries with travel warnings can be found on the website of the Federal Foreign Office. https://www.auswaertiges-amt.de/de/ReiseUndSicherheit/reise-und-sicherheitshinweise

Within the scope of our tariff benefits, our international health insurance protects you, as with other illnesses, also in the event of an infection with the coronavirus. The classification of coronavirus as a pandemic by the World Health Organization does not affect the coverage of a coronavirus infection. The classification also has no effect on the acceptance of your application. Please note that if symptoms and complaints of the disease have already occurred before you apply for insurance, this is considered a pre-existing condition and therefore cannot be included in the scope of benefits.

Since a quarantine situation does not constitute an illness, it is not covered by our insurance.

Please contact us by e-mail at leistung@care-concept.de and briefly describe your situation. We will examine your case and try to find the best possible solution together.

In this case we can offer several suitable products. Which one exactly varies from case to case. Therefore please contact us immediately at +49 228 97735-44 or vertrieb@care-concept.de. Our customer advisors will be happy to help you.

If you already stay in a country for which a travel warning has now been issued, this will not affect your insurance cover. The coverage will remain under the agreed terms and conditions.

We can also offer you suitable products for this case. Please contact us immediately at +49 228 97735-44 or vertrieb@care-concept.de. Our customer advisors will be happy to help you.

If you have insurance coverage provided by us, we can issue the required certificate. Please contact us immediately by phone at +49 228 97735-44 so that we can help you as soon as possible.

In general you can still apply for insurance coverage with us. Restrictions apply, however, for the following plans:

• Care Global
• Care Expatriate
• Care College USA
• Care Discover

The purchase of insurance for the USA, Canada and Mexico with coverage start dates between April 1, 2020 and June 30, 2020 are no longer possible. This applies to both new and follow-up policies. Coverage with a commencement date from July 1, 2020 onwards can still be purchased.

Our travel cancellation insurance takes effect if you have to cancel your trip due to serious and unexpected illness. Please note that we take your fears and insecurities seriously, but these alone do not constitute an insured event.

An entry ban does not constitute an illness and is therefore not covered by the insurance policy.

In the event of an illness caused by the coronavirus, our travel cancellation insurance will take effect within the scope of our tariff benefits, as it does for any other serious illness.

If you have any questions about your insurance cover, you can contact our Customer Service Center during our opening hours on 0228 977 35-0. Further information on the virus can be obtained from the Robert Koch Institute or the Federal Foreign Office.