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	extensions (online)	online application	FAQs

Care College - Affordable health insurance for language school participants & students

online application

Menu Care College:

1 Enter details

2 Review+Send

3 Confirmation

Instructions for completing the form

Once you have completely filled in and sent the online application form, we will deposit your insurance documents for you in our My Care Concept customer portal shortly therafter and upon successful assessment of your application.There you will find the your insurance documents and your confirmation of 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.

Enabling JavaScript is required for the application form to work. Below you get specific instructions on enabling JavaScript in your browser. If your browser isn't listed, please consult its help resources.

Internet Explorer 6.0+

Click the Tools menu.
Select Internet Options.
Click the Security tab.
Click the Custom Level button.
Scroll down until you see the 'Scripting' section. Select the 'Enable' radio button for 'Active Scripting.'
Click the OK button.
If you see a confirmation window, click the Yes button.

Firefox 3.6+

Click the Tools menu.
Select Options.
Click the Content tab.
Select the 'Enable JavaScript' checkbox.
Click the OK button.

Important questions

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

Please enter the old policy number here.

You don't need to fill out the application, instead please simply set your new insurance end date in the My Care Concept customer portal.

Was the IP medically insured in the country of destination 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 Care College**
Product	Care College Basic	Care College Comfort	Care College Premium
1. - 24. Month / up to 29 years of age	Basic: 1. - 24.Month / up to 29 years of age 24.50 EUR	Comfort: 1. - 24.Month / up to 29 years of age 32.00 EUR	Premium: 1. - 24.Month / up to 29 years of age 48.00 EUR
1. - 24. Month / 30 years +	Basic: 1. - 24.Month / 30 years + 30.00 EUR	Comfort: 1. - 24.Month / 30 years + 48.00 EUR	Premium: 1. - 24.Month / 30 years + 75.00 EUR
Starting month 25 / up to 29 years of age	Basic: Starting month 25 / up to 29 years of age 49.50 EUR	Comfort: Starting month 25 / up to 29 years of age 57.00 EUR	Premium: Starting month 25 / up to 29 years of age 73.00 EUR
Starting month 25 / 30 years +	Basic: Starting month 25 / 30 years + 55.00 EUR	Comfort: Starting month 25 / 30 years + 73.00 EUR	Premium: Starting month 25 / 30 years + 99.00 EUR

Insurance plan

Commencement of coverage (dd-mm-yyyy)

Duration

Our recommendations

No general deductible of EUR 120 per insurance year.
Non-recurring rebate of EUR 64, if you filed no refund requests for 12 months.
Non-recurring rebate of EUR 96, if you filed no refund requests for 12 months.
Complete cost absorption for repatriation to the home country (instead of limitation to EUR 10,000)
Refunds corresponding the medical fee schedule (GOÄ/GOZ) WITHOUT limitation to the 1.8-fold rate.

and further benefits as you can learn from the general conditions of insurance.

Information about stay abroad

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

Your permanent residency is the country in which you had your main place of residency the last two years before commencing 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.

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/departure date (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.It is possible and easy to postpone the commencement of coverage in writing (via mail, fax or email) before the coverage begins.
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

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 95.59 /month).: Online application Care Student

Do you plan to study after the language course?

Yes No

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: EUR 1 Mio.	Type M: EUR 2 Mio.	Type XL: EUR 2.5 Mio.
Deportation costs to cover undertakings of the policyholder versus 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
Salvage 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.

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.

Premium calculation

Health insurance

Payment amount

The health insurance premium increases as of the month 24 up to monthly

Additional contact information in the event of questions

Email
(Policyholder/Insured person)

Area code

Telephone

Fax no.

* 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.

How did you find us?

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

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

Agency number or agent number at the Care Concept AG =>

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 College - Affordable health insurance for language school participants & students

Care College - Affordable health insurance for language school participants & students

online application

Care Concept AG
Your partner for health insurance abroad

Care College x

Health insurance for foreign nationals in Europe:

Health insurance for Germans abroad:

Student insurance:

Care College - Affordable health insurance for language school participants & students

Care College - Affordable health insurance for language school participants & students

online application

Care Concept AGYour partner for health insurance abroad

Care College x

Care Concept AG
Your partner for health insurance abroad