Your reliable
health insurance partner abroad

Health insurance for foreign nationals in Europe
Health insurance for foreign nationals in Europe:
Our recommendations
Care College:
Health insurance for language school participants & students starting at € 24.50 / month

Care Student:
Health insurance for foreign students in Germany starting at € 95.59 / month

Care Economy:
Health insurance abroad for foreign visitors starting at € 1.00 / day

Care Expatriate:
Health insurance for expatriates and long-term travellers starting at € 58.00 / month

Care Au-Pair:
Health insurance for au pairs starting at € 21.00 / month

Care Austria:
Affordable health insurance abroad for Austria starting at € 51.00 / month
Health insurance for Germans abroad
Health insurance for Germans abroad:
outgoing
Our recommendations
Care Expatriate:
Health insurance for expatriates and long-term travellers starting at € 58.00 / month

Care College:
Health insurance for language school participants & students starting at € 24.50 / month

Care College USA:
Health insurance for language school participants & students in the USA from € 125.00 / month

Care Au-Pair:
Health insurance for au pairs starting at € 21.00 / month

Care Global:
Insurance for trips worldwide up to 365 days from € 0.80 / month

Care Austria:
Affordable health insurance abroad for Austria starting at € 51.00 / month
Student insurance
Student insurance:
studentenvergleich
Our recommendations
Care College:
Health insurance for language school participants, students starting at € 24.50 / month

Care Austria:
Health insurance for language school participants, students in Austria from € 51.00 / month

Care College USA:
Semester abroad, USA, Canada, Mexico

Care Student:
Health insurance for foreign students starting at € 95.59 / month

DAK:
German statutory health insurance for students

Student insurance - Comparison: Statutory vs. private insurance?

Introduction	In brief	Description	GTCI	flyer	Service	online application	FAQs

Care Economy - affordable international health insurance for foreign visitors and guests

Care Economy -
affordable international health insurance for foreign visitors and guests

online application

Menu Care Economy:

1 Enter details

2 Review+Send

3 Confirmation

Instructions for completing the form

After you have filled out and sent the online form, you will receive a printable declaration page/confirmation of coverage (Versicherungsschein) via email, assuming all provided information is complete and valid and you have been approved for coverage. In most cases you can already use this to apply for or extend your visa or residency permit.

You will find help regarding the necessary details you are asked to provide by clicking on the You will find further information required for completing the application by clicking on ? next to the respective fields. next to the respective fields.

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Important questions

Has the insured person (IP) previously been insured with us? Yes No

Please enter the old policy number here.

Did the insured Person (IP) hold health insurance in Germany before commencement of coverage? Yes No

Please specify the insurance company with which the IP was previously insured.

Until when was the insured person covered there? (dd-mm-yyyy)

Policyholder / contract holder

Is the policy holder a company? Yes No

Salutation

First name

Last name

Date of birth (dd-mm-yyyy)

Age

Are the policyholder and the insured person the same person? Yes No

Policyholder’s address/Contact information

c/o

If the policyholder’s name is not on the mailbox, please enter the recipient's name in the field, c/o.

Street building/house no.

Zip code

City

Region*

Country

Insured person

Salutation

First name

Last name

Date of birth (dd-mm-yyyy)

Age

Nationality

Has the insured person had their permanent residency for at least two years in Germany or Austria? Yes No

Information about health insurance | Show premium table

**Premium overview Health insurance Care Economy**
One-time premium Health insurance
Duration of coverage up to ... days	up to 64 years old without deductible	up to 64 years old with deductible	65-74 years old without deductible	65-74 years old with deductible
Duration of coverage up to ... days:90	up to 64 years old without deductible: 1.18 EUR / Day	up to 64 years old with deductible: 1.00 EUR / Day	65-74 years old without deductible: 3.48 EUR / Day	65-74 years old with deductible: 2.95 EUR / Day
Duration of coverage up to ... days:91 - 180	up to 64 years old without deductible: 1.59 EUR / Day	up to 64 years old with deductible: 1.35 EUR / Day	65-74 years old without deductible: 4.37 EUR / Day	65-74 years old with deductible 3.70 EUR / Day
Duration of coverage up to ... days:181 - 365	up to 64 years old without deductible: 2.30 EUR / Day	up to 64 years old with deductible: 1.95 EUR / Day	65-74 years old without deductible: 5.84 EUR / Day	65-74 years old with deductible: 4.95 EUR / Day
Duration of coverage up to ... days:366 - 730	up to 64 years old without deductible: 2.83 EUR / Day	up to 64 years old with deductible: 2.40 EUR / Day	65-74 years old without deductible: 9.32 EUR / Day	65-74 years old with deductible: 7.90 EUR / Day
Minimum premium per person and period: 10.00 EUR

A monthly payment option is only possible for health insurance and only via direct debit with a period of coverage of 180 days or more.
Monthly premium health insurance
Duration of coverage up to ... days	up to 64 years old without deductible	up to 64 years old with deductible	65-74 years old without deductible	65-74 years old with deductible
Duration of coverage up to ... days:180 - 365	up to 64 years old without deductible: 59.00 EUR / Month	up to 64 years old with deductible: 50.00 EUR / Month	65-74 years old without deductible: 149.00 EUR / Month	65-74 years old with deductible: 126.00 EUR / Month
Duration of coverage up to ... days:366 - 730	up to 64 years old without deductible: 89.00 EUR / Month	up to 64 years old with deductible: 75.00 EUR / Month	65-74 years old without deductible: 286.00 EUR / Month	65-74 years old with deductible: 242.00 EUR / Month
The maximum duration of coverage - including all possible extensions - is two years. In the case of extensions, the difference between the premium for the period originally chosen and that for the newly requested period is then payable as a differential premium/sum.

Insurance plan

Commencement of coverage (dd-mm-yyyy)

End of the insurance policy (dd-mm-yyyy)

Duration Days

If you would like coverage for more than 60 months, please select 60 months here. Once the policy has expired, you have the option of extending it by another 60 months.

Information about stay abroad

If the exact date of entry/departure (start of the trip) is not known, please select the anticipated date of entry/departure.

Your permanent residency is the country in which you resided and lived your social and professionalife before the start of the trip. If you are a foreign national with your permanent residency in Germany/Austria, you may take out insurance for your stay outside of Germany/Austria.

If the exact date of entry/departure [start of the trip] is not known, please select the expected date of entry/departure.
The country in which you lived and in which your main social and professional life was is considered to be your permanent place of residency before the start of the trip. If you are a foreign national and maintain permanent residency in Germany or Austria, you can insure yourself outside Germany or Austria.
Permanent residency
According to our definition, permanent residency exists if the person is not only temporarily staying at the chosen travel destination, but settles there and also stays there permanently. A person who stays at the chosen destination only for educational purposes (e.g. for language courses, a course of study, further education courses) does not yet hold permanent residency there for this reason alone.

What is meant by “permanent residency”?
We exclude insurability if there is permanent residency in the country of destination. This is due to the fact that in the plans in which the term appears, we offer foreign travel health insurance and thus provide insurance coverage during a temporary stay abroad. A temporary stay no longer exists, however, if there is permanent residency in the country of destination.

Examples:1
No permanent residency in Germany
Person A travels from Nigeria to Germany. He takes part in a language course at a language school in Germany and subsequently completes a course of study. He has a training/education visa for the period of the stay and temporarily stays in Germany for training/education purposes. After completing his studies, he receives a job offer from Nigeria and returns to his home country.

Permanent residency in Germany
Person B travels from India to Germany. He studied in Germany and is looking for a job in Germany. He met and married his wife in Germany. His wife is pregnant and expecting their first child. His parents sell their house in India and also move to Germany to live with their son. Person B moves his main life completely to Germany.

For your information
Excluded from this are our Care Student private health insurance plan for students as well as our statutory health insurance coverage via DAK-Gesundheit.

Our definition is analogous to and based up § 5 of the BaföG (Bundesausbildungsförderungsgesetz, the Federal Training Assistance Act).
This reads as follows:
(1) Permanent residency in the sense of this law is established at the place which is not only temporarily the center of living relations, without the will to settle permanently being important; whoever stays at a place merely for the purpose of education has not established his permanent residency there. (2)[...]
¹ The above examples are fictitious cases. An examination of the permanent residency always takes place on a case-by-case basis.
The country in which you will mainly reside during the duration of coverage is to be selected under “country of destination.”

Select as the country of destination the country in which you will mainly be residing during the duration of the insurance coverage.

Place of residency before the start of the trip

Country of destination

Select as the country of destination the country in which you will mainly be residing during the duration of the insurance coverage.

Date of entry (dd-mm-yyyy)

If the exact date of entry/departure (start of the trip) is not known, please select the anticipated date of entry/departure.
For travel to Germany: Date when you first entered Germany. Please note that you may only take out foreign travel health insurance coverage for a maximum of 5 years, including prior insurance coverage with another insurer, as the case may be. The insurance coverage is for temporary stays in Germany, meaning you do not intend to stay in Germany for a longer period of time or on a permanent basis. For this type of insurance, a maximum duration of coverage of 60 months is permitted by German law (taking similar policies into account, including policies with other insurers).

Reason for trip abroad

Information about liability and accident insurance

Liability insurance protects you against claims for damages from third parties.
Accident insurance protects you against the financial consequences of a decline in your ability to work due to disability or death following an accident.

In addition to health insurance we offer – in a legally separate policy – personal liability insurance or a personal liability/accident insurance package with the following scope:

Personal liability insurance	Type S	Type M	Type XL
Lump sum coverage for personal injury and property damage	Type S: 1 Mio. EUR	Type M: 2 Mio. EUR	Type XL: 2.5 Mio. EUR
Deportation costs to cover undertakings of the policyholder versus German authorities	Type S: 1.000,– EUR	Type M: 2.000,– EUR	Type XL: 3.000,– EUR
Co-insurance of damage to rented property for immovable objects, deductible 10%, minimum EUR 250.00 per claim	Type S: 10.000,– EUR	Type M: 25.000,– EUR	Type XL: 50.000,– EUR
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,– EUR
Professional liability	Type S: -	Type M: -	Type XL: up to EUR 25,000.00
Loss of receivables insurance	Type S: -	Type M: -	Type XL: up to EUR 10,000.00
Coverage in home country (from one year term)	Type S: -	Type M: -	Type XL: 6 weeks
General deductible per claim	Type S: 250,– EUR	Type M: 0,– EUR	Type XL: 0,– EUR

Accident insurance	Type S	Type M	Type XL
Basic disability benefit	Type S: -	Type M: 30.000,– EUR	Type XL: 40.000,– EUR
Maximum disability benefit with a degree of disability of 350%	Type S: -	Type M: 105.000,– EUR	Type XL: 140.000,– EUR
Death benefit in the event of accidental death	Type S: -	Type M: 15.000,– EUR	Type XL: 25.000,– EUR
Salvage costs following an accident	Type S: -	Type M: 7.500,– EUR	Type XL: 10.000,– EUR
Cosmetic operations due to an accident	Type S: -	Type M: 2.500,– EUR	Type XL: 5.000,– EUR
Monthly premium*	Type S: 2,– EUR	Type M: 4,– EUR	Type XL: 7.50 EUR
* 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. For a complete list of benefits see the Terms and conditions of liability/accident insurance.

Would you like to take out liability and/or accident insurance? Yes No

Children are not criminally liable to the end of their 7th year of life. Therefore, liability insurance coverage at the S rate is not possible. They can be insured at the M and XL rates, however only with accident insurance coverage.

Insurance plan

Commencement of coverage (dd-mm-yyyy)

Duration

Premium*

* The premium will be shown after the payment method has been chosen.

Due to administrative reasons, the minimum premium at the S rate is EUR 10, at the M rate EUR 12 and at the XL rate EUR 15.

The premium for the entire duration of coverage must be paid all at once in advance.

For terms of several years you have the option of first taking out coverage for a shorter period of time and then – before the insurance term applied for expires – to request an extension for the remaining period. For technical reasons, the extension must be treated as a new application and the minimum premium will also apply once again to the extension period. When splitting periods, make sure you adhere to the minimum premium in every period.

In the case that many terms of coverage have been paid in advance, a refund of the too many paid annual premiums is possible with a premature cancellation.

You can only pay the premium for the liability insurance/accident-liability insurance on a monthly basis if you have selected direct debit monthly as your payment method/frequency and have chosen at least 6 months as the duration of insurance coverage.

Please select how you would like to pay the insurance premium

Direct debit monthly

Direct debit one-off

Bank transfer one-off

(via PayPal) one-off

one-off

In the case of a one-off payment, the premium will be due for the entire duration of coverage at the commencement of coverage. When paying a one-off premium, the above premium scale (plan table) forms the basis for the premium.

Payment per month is only possible via direct debit and for a duration of coverage starting at 180 days.

Premium calculation

Health insurance

Payment amount

The premium for health insurance coverage is calculated as follows::

The health insurance premium increases after 18 months monthly

Additional contact information in the event of questions

Email
(Policyholder/Insured person)

Area code

* The fields marked with an * asterisk are not required to take out a policy, but the information provided makes it easier for us to contact you. You will not receive any unsolicited advertising material via email, and we will not forward your information on to any third parties.

Telephone

Fax no.

How did you find us?

Freundlicher Hinweis an QQ-Kunden:
damit Ihre Unterlagen auch bei Ihnen ankommen, bitten wir alle QQ-Kunden in dem Feld für 2. E-Mailadresse eine andere E-Mail-Adresse als Ihre QQ-Mail-Adresse einzutragen.

You can enter an additional e-mail-address here, to which we will also send the insurance documents.*

The fields marked with an * asterisk are not required to take out a policy, but the information provided makes it easier for us to contact you. You will not receive any unsolicited advertising material via email, and we will not forward your information on to any third parties.

Referrer / agent number

Terms and conditions health insurance

By clicking on the adjoining field you confirm that you have read, understood and agreed to the following conditions. I confirm that I have provided all information fully, carefully and correctly. In addition, I am authorized to make all declarations/disclosures and am fully informed to make them. If this is not the case at any point, I have indicated this. At the same time, by clicking here you are confirming that you printed and / or downloaded the following terms and conditions/documents before sending your application:

	Health insurance			Accident and liability insurance
No.	Premium	Duration	Premium Total	Premium monthly	Duration (Months)	Premium Total
Person 1	Health insurance	1	Premium	x Duration =	= Total	Accident and liability insurance	Premium	x Duration =	= Total	Premium	x Duration =	= Total
Person 2	Health insurance	2	Premium	x Duration =	= Total	Accident and liability insurance	Premium	x Duration =	= Total	Premium	x Duration =	= Total
Person 3	Health insurance	3	Premium	x Duration =	= Total	Accident and liability insurance	Premium	x Duration =	= Total	Premium	x Duration =	= Total
Person 4	Health insurance	4	Premium	x Duration =	= Total	Accident and liability insurance	Premium	x Duration =	= Total	Premium	x Duration =	= Total
Person 5	Health insurance	5	Premium	x Duration =	= Total	Accident and liability insurance	Premium	x Duration =	= Total	Premium	x Duration =	= Total
∑ Health insurance	Total		Total(one-off)	∑ Accident and liability insurance	Total		Total(one-off)	∑ Daily sickness allowance insurance	Total	Total(one-off)

Health insurance for foreign nationals in Europe:

Health insurance for Germans abroad:

Student insurance:

Care Economy - affordable international health insurance for foreign visitors and guests

Care Economy -
affordable international health insurance for foreign visitors and guests

online application

Care Concept AG
Your partner for health insurance abroad

Care Economy x

Health insurance for foreign nationals in Europe:

Health insurance for Germans abroad:

Student insurance:

Care Economy - affordable international health insurance for foreign visitors and guests

Care Economy - affordable international health insurance for foreign visitors and guests

online application

Care Concept AGYour partner for health insurance abroad

Care Economy x

Care Economy -
affordable international health insurance for foreign visitors and guests

Care Concept AG
Your partner for health insurance abroad