Care Economy Travel abroad insurance for foreign guests and visitors Description

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**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 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
Care Economy

up to 64 years old with no SB^*	up to 64 years old with SB^**	65 years + with no SB^*	65 years + with SB^**
Duration of coverage up to ... days: 90 (€/Day)
1.18	1.00	3.48	2.95
Duration of coverage up to ... days: 91 - 180 (€/Day)
1.59	1.35	4.37	3.70
Duration of coverage up to ... days: 181 - 365 (€/Day)
2.30	1.95	5.84	4.95
Duration of coverage up to ... days: 366 - 730 (€/Day)
2.83	2.40	9.32	7.90
Minimum premium per person and period: 10.00
Book now

^*with no deductible
^**with deductible

Starting at a duration of six months, you can also pay the premium for Care Economy insurance for guests monthly by direct debit. The following premiums then apply:

up to 64 years old with no SB^*	up to 64 years old with SB^**	65 years + with no SB^*	65 years + with SB^**
Duration of coverage up to ... days: 180 - 365 (€/Month)
59.00	50.00	149.00	126.00
Duration of coverage up to ... days: 366 - 730 (€/Month)
89.00	75.00	286.00	242.00
Minimum premium per person and period: 10.00
Book now

^*with no deductible
^**with deductible

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.

Premium overview | Care Economy

You can make a one-time premium payment for your Care Economy incoming insurance by direct debit, bank transfer or PayPal:

	Our bestseller		Our bestseller
Duration of coverage up to ... days	up to 64 years old with no deductible	up to 64 years old with deductible	65 years + with no deductible	65 years + with deductible
90	1.18 €/Day	1.00 €/Day	3.48 €/Day	2.95 €/Day
91-180	1.59 €/Day	1.35 €/Day	4.37 €/Day	3.70 €/Day
181-365	2.30 €/Day	1.95 €/Day	5.84 €/Day	4.95 €/Day
366-730	2.83 €/Day	2.40 €/Day	9.32 €/Day	7.90 €/Day
Minimum premium per person and period: 10.00 €
Book now

Starting at a duration of six months, you can also pay the premium for Care Economy insurance for guests monthly by direct debit. The following premiums then apply:

	Our bestseller		Our bestseller
Duration of coverage up to ... days	up to 64 years old with no deductible	up to 64 years old with deductible	65 years + with no deductible	65 years + with deductible
180-365	59.00 €/Month	50.00 €/Month	149.00 €/Month	126.00 €/Month
366-730	89.00 €/Month	75.00 €/Month	286.00 €/Month	242.00 €/Month
Book now

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:

Care Protector S/M/XL
Your benefits at a glance*

Care Protector S starting at 2 € / Month	Our bestseller Care Protector M starting at 4 € / Month	Care Protector XL starting at 7,50 € / Month
Liability insurance
Sum insured for personal injury and property damage, Deductible 10 %
€ 1 Mio.	€ 2 Mio.	€ 2,5 Mio.
Deportation costs from Germany, Deductible 10 %
€ 1,000	€ 2,000	€ 3,000
Rental damage to immovable property, deductible 10%
€ 10,000	€ 25,000	€ 50,000
Loss of keys, deductible 10%, min. € 100.00
		€ 1,000
Professional liability, deductible 10%, min. 200 €
		€ 25,000
Bad debt insurance, deductible 10%, min. 200 €
		€ 10,000
Insurance coverage in your home country, (from one year term)
6 weeks	6 weeks	6 weeks
No deductible
€ 250.00
Accident insurance
Basic disability sum
	€ 30,000	€ 40,000
Maximum disability sum with a progression scale of 350%
	€ 105,000	€ 140,000
Death benefit in the event of accidental death
	€ 15,000	€ 25,000
Rescue costs in the event of an accident
	€ 7,500	€ 10,000
Cosmetic operations due to an accident
	€ 2,500	€ 5,000
Book now

*For a complete list of benefits please see the insurance terms and conditions.

Care Protector S/M/XL
Your benefits at a glance*

		Our bestseller
Care Protector insured benefits*	S 2 € / Month	M 4 € / Month	XL 7,50 € / Month
Liability insurance
Sum insured for personal injury and property damage	€ 1 Mio.	€ 2 Mio.	€ 2,5 Mio.
Deportation costs from Germany, Deductible 10 %, mind. 250 €	€ 1,000	€ 2,000	€ 3,000
Rental damage to immovable property, deductible 10%	€ 10,000	€ 25,000	€ 50,000
Loss of keys, deductible 10%, min. € 100.00			€ 1,000
Professional liability, deductible 10%, min. 200 €			€ 25,000
Bad debt insurance, deductible 10%, min. 200 €			€ 10,000
Insurance coverage in your home country, (from one year term)	6 weeks	6 weeks	6 weeks
No deductible	€ 250.00
Accident insurance
Basic disability sum		€ 30,000	€ 40,000
Maximum disability sum with a progression scale of 350%		€ 105,000	€ 140,000
Death benefit in the event of accidental death		€ 15,000	€ 25,000
Rescue costs in the event of an accident		€ 7,500	€ 10,000
Cosmetic operations due to an accident		€ 2,500	€ 5,000
	Book now

*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.

Interesting facts

Information on the benefits of health insurance Care Economy