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

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

Description

Menu Care Economy:

**Care Economy | Travel health insurance for foreign guests and visitors**
	Why do foreign guests and visitors need insurance?
	Summary of benefits
	Important information
	What is not insured - exclusion from coverage
	Premium overview
For a complete list of benefits please see the General terms and conditions of insurance (GTI)

**Why do foreign guests and visitors need insurance?**
Book now from 1.00 €/Day Many foreign nationals who spend time in Germany, the EU, the Schengen states, Switzerland or Liechtenstein often have no or inadequate insurance coverage in the host country. Unfortunately, illnesses and accidents cannot be entirely avoided, which can potentially lead to substantial financial losses. Whether you are traveling for personal reasons or on business, with affordable Care Economy coverage, you are protected against costs for medically necessary treatment.

**Summary of benefits**
We reimburse verified costs in the case of illness or accident in Germany, Austria, all EU countries as well as Switzerland, Liechtenstein and the Schengen states, among others, for outpatient treatment by a doctor inpatient treatment in the hospital (standard care class –multiple-bed rooms with no optional benefits) including follow-up treatment transport to the nearest hospital and back pain-relieving dental treatment including simple fillings and repair of existing dental prostheses at 100% the invoice amount, max. EUR 300.00 per stay up to 180 days, over 180 days max. EUR 600.00. additional costs for medically necessary return to home country up to EUR 25,000.00 transport in the case of death of an insured person/burial costs up to EUR 25,000.00 minus EUR 25.00 deductible per insured event. Can also be deselected.

**Important information**
Book now from 1.00 €/Day The confirmation of coverage serves as proof of your insurance coverage. In addition, you will receive additional documents after your application has been processed. An extension of your coverage is possible. If the insured person extends their stay, the original period of insurance coverage can only be extended if the application is received by Care Concept® AG in writing (My Care Concept Customer service portal, e-mail, fax, regular mail) before the original policy expires and the insurer explicitly agrees to this. In this case the insurance policy only covers events occurring after the extension of coverage has been applied for. In the case of extensions, the difference between the premium for the period originally selected and that for the newly requested period is then payable as a differential premium/sum.

**What is not insured - exclusion from coverage**
The insurer is not liable to grant benefits in cases of illnesses, symptoms and consequences thereof that already exist or are known upon commencement or renewal of coverage and the consequences of such illnesses and accidents that were treated within the last six months before commencement or renewal of coverage. You will find a detailed description of benefits in the insurance terms and conditions. In addition to general policy terms, only the German version of this tariff is legally obligatory.

**Premium overview Overseas health insurance Care Economy**
One-time premium Overseas 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.

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.

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 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: EUR 1 Mio.	Type M: EUR 2 Mio.	Type XL: EUR 2.5 Mio.
Deportation costs to cover legal obligations of the policyholder against German authorities	Type S: EUR 1,000	Type M: EUR 2,000	Type XL: EUR 3,000
Co-insurance of damage to rented property for immovable objects, deductible 10%, minimum EUR 250.00 per claim	Type S: EUR 10,000	Type M: EUR 25,000	Type XL: EUR 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: EUR 1,000
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: EUR 250	Type M: EUR 0	Type XL: EUR 0
Accident insurance	Type S	Type M	Type XL
Basic disability benefit	Type S: -	Type M: EUR 30,000	Type XL: EUR 40,000
Maximum disability benefit with a degree of disability of 350%	Type S: -	Type M: EUR 105,000	Type XL: EUR 140,000
Death benefit in the event of accidental death	Type S: -	Type M: EUR 15,000	Type XL: EUR 25,000
Rescue costs following an accident	Type S: -	Type M: EUR 7,500	Type XL: EUR 10,000
Cosmetic operations due to an accident	Type S: -	Type M: EUR 2,500	Type XL: EUR 5,000
Monthly premium*	Type S: EUR 2	Type M: EUR 4	Type XL: EUR 7.50
* 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.

**Download description**
Download description Care Economy (PDF)

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.

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