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Care Economy

The minimum duration of coverage under “Care Economy” is 1 day. The maximum period, including all extensions, is 2 years. The minimum premium per person and period: EUR 10,00.

Possible periods of coverage: 1-730 days

The insurance policy expires at the agreed upon point in time. There is no automatic extension.

Requests for policy extensions must be submitted before the end of the duration of coverage originally requested. Requests for extensions must be submitted in writing (My Care Concept Customer Portal, e-mail, regular post, fax). You can find the appropriate form here: My Care Concept Customer Portal.

• In the case of policy extensions, insurance coverage is only provided for those insured events and symptoms that newly arose after the policy extension was applied for.
• In the case of an extension for the plan with deductible, the premium is always calculated on the basis of the entire period of coverage. The payment already made for the original period is taken into account. An example: for an originally applied for duration of coverage of 30 days/premium 30.00 EUR.
• In the case of an extension to 100 days total period of coverage, 73.50 EUR would be due (103.50 EUR less 30.00 EUR).

If you end your stay abroad prematurely, you can terminate your policy in writing.
If you are refused a visa or do not enter the country due to other reasons, you have the option of terminating the insurance applied for in writing before coverage begins.

Wenn Sie den Online-Antrag ausgefüllt und abgesendet haben, erhalten Sie bei positiver Plausibilitätsprüfung kurze Zeit später eine Bestätigungs-E-Mail an die von Ihnen angegebene E-Mail-Adresse. Diese E-Mail enthält folgende Dokumente im PDF-Format, die Sie sich ausdrucken und verwenden können:

• Versicherungsschein (Police)
• Versicherungsbedingungen, inklusive Verbraucherinformationen, Merkblatt zur Datenverarbeitung und Auszug aus dem Versicherungsvertragsgesetz

Sollte eine positive Plausibilitätenprüfung nicht möglich sein, werden wir uns innerhalb von zwei Arbeitstagen schriftlich mit Ihnen in Verbindung setzen.

You may transfer the full premium amount to the account listed below, grant a SEPA direct debiting authorization or make a cash payment at any bank or post office bank. Please make sure you include the complete policy number whenever you make a transfer or cash payment.
The simplest and securest method is to grant a SEPA direct debiting authorization. Unfortunately, however, this is only possible for German and Austrian bank accounts. If you should decide to grant SEPA direct debiting authorization, please make sure that your account holds sufficient funds.

If you have not yet opened an account, you can make a cash payment at any bank or post office bank and provide your policy number in the space “reason for payment”.

With monthly payments (for periods of coverage of at least 180 days), however, you do not have the option of paying by bank transfer, as monthly payments are only possible with a SEPA direct debit mandate.
Bank account: Hypovereinsbank AG, IBAN: DE23200300000000111161 SWIFT code (BIC): HYVEDEMM300

Monthly payments are an alternative to a one-time payment for a period of coverage of at least 180 days, as long as you issue us a SEPA direct debit mandate at the same time.
The monthly premium for periods from 180 to 365 days is EUR 50,00 per month for persons up to the age of 64, EUR 126,00 per month for persons between 65 and 74 years of age. The monthly premium for a duration of coverage from 366 to 730 days is EUR 75,00 per month for persons up to the age of 64, EUR 242,00 per month for persons between 65 and 74 years of age. The one-time and monthly payment options are the only options available with Care Economy insurance coverage.

No. We recommend also taking out personal liability insurance coverage.

Care Protector S/M/XL
Bir bakışta tüm hizmetler*

Care Protector S dan itibaren 2 € / ay	Çok Satanlar Care Protector M dan itibaren 4 € / ay	Care Protector XL dan itibaren 7,50 € / ay
Mali sorumluluk sigortası
Kişisel ve eşya hasarları, Katılma payı 10 %
1 Mio. €	2 Mio. €	2,5 Mio. €
Almanya'dan sınır dışı etme masrafları, Katılma payı 10 %
1.000,– €	2.000,– €	3.000,– €
Kiralık ve taşınmayan eşyanın sigortası, muafiyet %10, en az 250 € hasar başına
10.000,– €	25.000,– €	50.000,– €
Özel bir evin veya dairenin anahtarın kayıbı, muafiyet %10, en az 100 € hasar başına
		1.000,– €
Mesleki sorumluluk sigortası, muafiyet %10, en az 200 € hasar başına
		25.000,– €
Hakedişin alınmamamasına karşı sigorta, muafiyet %10, en az 200 € hasar başına
		10.000,– €
Kendi ülkenizde sigorta kapsamı, (from one year term)
6 hafta	6 hafta	6 hafta
Haftalı tutma yok
250,– €
Ferdi kaza sigortası
Toplam maluliyet
	30.000,– €	40.000,– €
Maluliyetin azami miktarı, %350 progresyon derecesinde
	105.000,– €	140.000,– €
Kaza halinde ölüm/ vefat
	15.000,– €	25.000,– €
Kaza durumunda kurtarma masrafları
	7.500,– €	10.000,– €
Kaza ile ilgili kosmetik tedavi/ ameliyat
	2.500,– €	5.000,– €
Şimdi rezervasyon yapın

*Bu hizmet kataloğundan alınmıştır tam hizmet kapsamı için lütfen genel sigorta şartnamesine bakınız.

Care Protector S/M/XL
Bir bakışta tüm hizmetler*

		Çok Satanlar
Care Protector Sigortalı yardımları*	S 2 € / ay	M 4 € / ay	XL 7,50 € / ay
Mali sorumluluk sigortası
Kişisel ve eşya hasarları	1 Mio. €	2 Mio. €	2,5 Mio. €
Almanya'dan sınır dışı etme masrafları, Katılma payı 10 %, mind. 250 €	1.000,– €	2.000,– €	3.000,– €
Kiralık ve taşınmayan eşyanın sigortası, muafiyet %10, en az 250 € hasar başına	10.000,– €	25.000,– €	50.000,– €
Özel bir evin veya dairenin anahtarın kayıbı, muafiyet %10, en az 100 € hasar başına			1.000,– €
Mesleki sorumluluk sigortası, muafiyet %10, en az 200 € hasar başına			25.000,– €
Hakedişin alınmamamasına karşı sigorta, muafiyet %10, en az 200 € hasar başına			10.000,– €
Kendi ülkenizde sigorta kapsamı, (from one year term)	6 hafta	6 hafta	6 hafta
Haftalı tutma yok	250,– €
Ferdi kaza sigortası
Toplam maluliyet		30.000,– €	40.000,– €
Maluliyetin azami miktarı, %350 progresyon derecesinde		105.000,– €	140.000,– €
Kaza halinde ölüm/ vefat		15.000,– €	25.000,– €
Kaza durumunda kurtarma masrafları		7.500,– €	10.000,– €
Kaza ile ilgili kosmetik tedavi/ ameliyat		2.500,– €	5.000,– €
	Şimdi rezervasyon yapın

*Sigorta ürünün tam hizmet kapsamını öğrenmek için Ferdi kaza ve mesuliyet sigortasinin sartlari.

Services not covered are

• illnesses, symptoms and consequences thereof that already existed, or were known, upon commencement or extension of coverage
• the consequences of such illnesses and accidents that have been treated within the last six months before commencement or extension of coverage
• psychoanalytic and psychotherapeutic treatment
• screenings and preventive examinations; cancer diagnosis
• examinations necessary for the granting of a residency permit
• vaccinations
• medical aids not due to an accident (e.g. glasses, contact lenses, compression stockings)
• pregnancy already existing upon commencement of coverage, abortion
• dental prostheses (with the exception of repairs), orthodontic treatment/implantological treatments, inlays, occlusal splints, gnathology
• addiction/withdrawal treatment or therapy
• certificates and expert reports

You will find a detailed description of benefits in the insurance terms and conditions.

If the guest cannot enter the country, a refund of the insurance premium is possible upon request. In order for the premium to be refunded, it is necessary to submit the rejection letter from the embassy or consulate. A refund will be made within 4-6 weeks less a processing fee of 5 EUR.

Care Economy coverage can also be taken out as a follow-up policy.

No. When you start working in Germany for the first time, you must apply for a social security card from a statutory health insurance fund (DAK, AOK, IKK, TK, ...) on behalf of your German employer. The social security number is not issued by a private insurance company.

Please enter the maximum number of days the visitor intends to stay in Germany as the 'duration of coverage'. If there is a change, please inform us by letter, fax or e-mail. You can extend your coverage in accordance with the policy terms and conditions or terminate it in writing at the end of the month.

As soon as we have received your application and determined we can insure you, you will receive confirmation of coverage by e-mail within a few minutes and, with periods of coverage 120 days or more, we will also send it to you via regular mail. In our experience, this confirmation has been recognized as proof of insurance coverage by all foreign authorities. It is usually sufficient to submit a copy of the document to the authorities.