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 then also receive an insurance card by mail within one to two working days. You will find help regarding the necessary details you are asked to provide by clicking on the You will find help regarding the necessary details you are asked to provide by clicking on ? the next to the respective fields. next to the respective fields.
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Please use our online-service for follow-up contracts (renewal)
The policyholder / contract holder is the person purchasing this policy for him/herself or for another person.
If the policyholder’s name is not on the mailbox, please enter the recipient's name in the field, c/o.
This person cannot be insured under this plan! Please contact our Sales department at +49 228 97735-44.
€
For an additional EUR 7 per month you will receive:
and further benefits as you can learn from the general conditions of insurance. In case of a doctor's visit, points 1 and 2 will facilitate the settlement with the doctor essentially. The additional premium of € 7 per month pays for itself with one single doctor's visit per year by the higher refund rate and the elimination of the deductible of € 50. If you do not consult any doctor, you get back one monthly premium in the amount of € 52,50.
If the exact date of entry/departure (start of the trip) is not known, please select the anticipated date of entry/departure. It is possible and easy to postpone the commencement of coverage in writing (via mail, fax or email) before the coverage begins.
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.
Please fill in your language school, university or technical college.
Our tip: If you would like to enrol at a German university or university of applied sciences, we recommend the Care Student insurance plan (from EUR 81.84 /month).: Online application Care Student
Do you plan to study after the language course?
When do you start your studies?
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:
* 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.
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.
* 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 enter only checking accounts from the SEPA area, because we can only carry out direct debit transactions in these countries.In the case of the SEPA direct debit method, the premiums due will be collected shortly before the start of coverage to which the premiums relate. A few days before we will send you a pre-notification. If you choose for payment at once, the entire insurance premium will be collected at the beginning of the period of coverage.
If paying by bank transfer or paying in cash, you should always make sure that the money will be received by Care Concept on time and that you indicate your policy number.
Credit card / PayPal: Along with your payment there is a processing fee of 4% of the insurance premium or at least EUR 3.00. The premium charged to your PayPal or credit card account will be collected for the entire period of coverage. Your PayPal or credit card details will be requested once you have sent us the application.
In the case of a one-off payment, the premium will be due for the entire duration of coverage at the commencement of coverage.
In order for us to be able to debit the amount payable directly from the account provided, we need the first and last names of the account holder as well as a SEPA direct debit mandate. This mandate will be securely saved within our system as a PDF file, together with your payment details. A copy of your mandate as a PDF document has been sent to the email address you specified. Please provide the following information of the account holder:
As part of the SEPA changeover enacted by the EU, you must state your BIC instead of your bank code and your IBAN instead of the account number. These can be found, depending on the bank, on your debit card or on your bank account statement. If you are not able to find the BIC and IBAN, you can contact us at +49 228 97735-44, +49 228 97735-11 or +49 228 97735-33.In order for us to be able to debit the amount payable directly from the account provided, we need a SEPA direct debit mandate. This mandate will be securely saved within our system as a PDF file together with your payment details. A copy of your mandate as a PDF document has been sent to the email address you specified.
If paying by credit card, a surcharge of 4% of the insurance premium, or at least a minimum of EUR 3.00, will apply. The premium will be collected for the entire period of coverage within on week of taking out the policy.Your credit card details will be requested once you have sent us the application.
Along with your payment there is a processing fee of 4% of the insurance premium or at least EUR 3.00. The premium charged to your PayPal or credit card account will be collected for the entire period of coverage. Your PayPal or credit card details will be requested once you have sent us the application.
Tipp for qq-user:To be sure that you receive all documents, please fill in another (not qq-)e-mail in the field for the second e-mail
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.
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:
