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Care Concept AG - current information about the corona virus

Understandably, the current situation regarding the coronavirus leads to open questions and uncertainty. On this page you will therefore find important information on measures, advice and insurance law issues in connection with the coronavirus.

Important information

Auslandskrankenversicherung  Ausländer in Deutschland - TeaserbildDear Customers,

Due to the coronavirus pandemic, we would like to ask you to contact us by phone or e-mail if possible. Until further notice you can reach us by telephone Monday to Friday from 9 am to 5 pm or via e-mail:

  • Questions regarding current policies/contracts: +49 228 97735-11,
  • Questions regarding claims: +49 228 97735-22,
  • For Customer Consulting Services regarding our plans: +49 228 97735-44,

If you would like to clarify your matter with us personally, we ask you to please wear a face mask and observe the rules of hygiene and distance/contact.

Thank you for your understanding and cooperation.

Your Care Concept Team

Coronavirus warning app
Coronavirus warning appIn order to contain the spread of the corona virus, “Robert Koch Institute” has developed the Coronavirus warning app on behalf of the German federal government. The app can help to trace infection chains and thus make an important contribution to containing the pandemic. You can download the Coronavirus warning app free of charge from the Apple App Store or the Google Play Store and contribute to the fight against Coronavirus. You can find more information here: www.coronawarn.app.
Information about the Corona virus in our explanation video
Information about your coverage in our explanation video
General questions about the Coronavirus
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Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Questions about health insurance
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Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
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Questions regarding travel cancellation insurance
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Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung

General questions about the Coronavirus

What are corona viruses?

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

What is the difference between SARS-CoV-2 and COVID-19?

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.

How can I protect myself from an infection?

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.

What should I do if I show noticeable symptoms?

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.


Questions about health insurance

Does my insurance cover abroad also apply if a travel warning has been issued?

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

Does my insurance cover apply if I am infected with corona virus?

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.

What happens if I cannot start my (return) journey due to a quarantine situation?

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

What should I do if I am staying in my home country (home country coverage of my health insurance) and have to stay longer than agreed due to the corona crisis?

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.

I am abroad and can currently not travel back to Germany due to the corona crisis and my health insurance expires. Can you help me?

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.

A travel warning has been issued for the country I am currently staying in. Will the travel warning affect my insurance coverage?

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.

I am a foreigner in Germany or Austria, I can currently not travel back to my home country due to the corona crisis and my health insurance expires. Can you help me?

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.

I am on my way back to Germany. A transit country (e.g. Thailand or Cambodia) requires a certificate of sufficient insurance coverage. Can you issue this certificate?

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.

Are there any restrictions involved in the application process for insurance coverage (new or follow-up coverage)?

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.


Questions regarding travel cancellation insurance

I am afraid of infections on my journey. When does my travel cancellation insurance in connection with the coronavirus take effect?

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.

Does my travel cancellation insurance apply if I am not allowed to enter the country because of an entry ban?

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

Does my travel cancellation insurance cover me if I am infected with coronavirus?

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.


I have further questions, who can I contact?

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.


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