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

incoming:

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from
24.50 €/Month

Non-Germans* may take out international insurance coverage with a “Care College Basic/Comfort/Premium” policy during stays in Germany, the EU or a Schengen area country for the purpose of training or further education (with the exception of Austria). Even after Brexit (Great Britain’s withdrawal from the EU) foreign nationals can continue to insure themselves for stays in Great Britain.

outgoing:

Germans* or Austrians** may take out international insurance coverage with a “Care College Basic/Comfort/Premium” policy during their stay worldwide for the purpose of training or further education (with the exception of USA, Canada and Mexico).

*Any person, independently of his/her actual nationality, will be deemed a German if he/she has had their permanent residency in Germany for at least two years and is temporarily staying abroad.

**Any person, independently of his/her actual nationality, will be deemed an Austrian if he/she has had his/her permanent residency in Austria for at least two years and is temporarily staying abroad.

The maximum age in both cases is 40 at the time of taking out coverage.

The Care College plan provides health insurance coverage for language school participants, incl. preparatory colleges (Studienkollege), guest scientists, and individuals preparing for the DSH (German language entrance examination), German students at foreign universities/colleges.

TIP: If you should also require insurance coverage for USA, Canada and Mexico, we recommend our Care College USA plan, and for stays in Austria, our Care Austria plan.

• The minimum duration of coverage in "Care College Basic/Comfort/Premium" is 1 month.
• The maximum duration of coverage, including all extensions, is 5 years.

The insurance policy expires at the agreed upon point in time and is not automatically extended.

• Applications for extension must be submitted before the policy as originally purchased expires.
• If the stay lasts longer than planned, you must inform Care Concept AG before the end of the originally planned expected term in the Care College tariff. The easiest way to do this is in your account in the My Care Concept customer portal.

• Premature termination may only be applied for in written form (e-mail, fax, regular mail). The termination application can be given without observing a specific form. We require the following information for processing of your application: the policy number, the name of the insured person, the original expiration date of the policy, the desired new date of expiration, the reason for termination and, if applicable, documentation showing proof of the departure.
• A reimbursement of excess premium payments is possible, subject to the deduction of a €5.00 processing fee.
• A premature termination is possible in the following cases:
  1. If the stay abroad has been prematurely ended.
  2. If the participation in language courses or projects has ended and the prerequisites for maintaining the policy no longer exist.
  3. If you begin a course of study and are subject to mandatory public health insurance.
  4. If the entry visa is not granted or if entry into the country does not take place for other reasons, a written cancellation of the application is possible before commencement of the coverage.

Shortly after you have completed and sent your online application, you will, after approval, receive a confirmation email to the email address you provided. This email contains the following documents in PDF format, which you can print out and use:

• your confirmation of coverage
• the insurance terms and conditions

Should your application not be approved, we will contact you in writing within two working days.

You may, provided you give your policy number, transfer the full (monthly) premium to the account listed below, submit a SEPA direct debit mandate 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 bank transfer or cash payment.

The simplest and securest method is to grant a SEPA Direct Debit Mandate. Unfortunately, this is only possible for German or Austrian bank accounts. If you grant a SEPA direct debit mandate, please make sure that your account always contains sufficient funds.

If you have not yet opened an account, you can make a cash payment, provided you state your policy number under the reason for the payment, at any bank or post office bank.
Bank account: Hypovereinsbank AG, IBAN: DE23 2003 0000 0000 1111 61 Swift Code (BIC): HYVEDEMM300

Care College Basic/-Comfort/-Premium -
All benefits at a glance*

Health insurance
Benefits*	Care College Basic	Care College Comfort	Care College Premium
	Basic: online application	Comfort: online application	Premium: online application
outpatient treatment by a doctor	Basic:	Comfort:	Premium:
prescription medications and ambulance services	Basic:	Comfort:	Premium:
inpatient treatment in the hospital	Basic:	Comfort:	Premium:
analgesic dental treatment	Basic: up to EUR 500.00/ policy year	Comfort: up to EUR 750.00/ policy year	Premium: up to EUR 1,250.00/ policy year
cost for dental prosthesis (within 2 years of insurance term, qualifying period:8 months)	Basic: -	Comfort: 50 % up to EUR 500.00	Premium: 70 % up to EUR 1,000.00
accident-related dental prosthesis	Basic: -	Comfort: up to EUR 1,000.00	Premium: up to EUR 2,500.00
prescription accident-related medical aids (basic version)	Basic: up to EUR 250.00/ policy year	Comfort: up to EUR 500.00/ policy year	Premium: 100 %
remedies	Basic: up to EUR 250.00/ policy year	Comfort: up to EUR 500.00/ policy year	Premium: up to EUR 1,500.00/ policy year
visual aids (up to EUR 100.00, 3 months qualifying period)	Basic: -	Comfort: -	Premium:
additional costs for medically advisable repatriation	Basic: up to EUR 10,000.00	Comfort: 100 %	Premium: 100%
deductible/policy year	Basic: EUR 120.00	Comfort: no deductible	Premium: no deductible
costs for treatment acc. GOÄ/GOZ in Germany	Basic: up to 1.8 times the basic rate in the fee schedule	Comfort: up to 2.3 times the basic rate in the fee schedule	Premium: up to 2.3 times the basic rate in the fee schedule
world-wide emergency services	Basic:	Comfort:	Premium:
extended liability period	Basic: 4 weeks	Comfort: 4 weeks	Premium: 8 weeks
repatriation/burial costs in event of death of the insured person	Basic: up to EUR 25,000.00	Comfort: up to EUR 25,000.00	Premium: up to EUR 25,000.00
worldwide scope of coverage (excl. USA, Canada, Mexico)	Basic:	Comfort:	Premium:
insurance coverage in home country (depending on the insurance period)	Basic:	Comfort:	Premium:
treatment of mental illnesses (also inpatient) with the exception of psychoanalysis and psychotherapy	Basic:	Comfort:	Premium:
insurance card	Basic: digital	Comfort: digital + upon request as plastic card	Premium: digital + upon request as plastic card
refund if no claims in one policy year	Basic: -	Comfort: 2 months' premium	Premium: 2 months' premium
sick pay in event of a severe illness/disease upon request:	Basic: -	Comfort: EUR 1,500.00/ policy year	Premium: EUR 2,500.00/ policy year
costs for transport for a visiting family member in case of inpatient treatment at a hospital for more than 14 days	Basic: -	Comfort: EUR 500.00	Premium: EUR 1,250.00
daily hospital allowance (all in EUR 100.00 for hospital stays exceeding 14 days)	Basic: -	Comfort: -	Premium:

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

No, it is advisable to also take out personal liability insurance. In addition to health insurance, we offer - in a legally independent policy - personal liability insurance or a personal liability/accident insurance package.

Yes, you are also insured in general if you temporarily return to your home country during the contract period. This is then also referred to as "home country coverage." How long you are also covered in your home country depends on how long your duration of coverage is. The duration of insurance coverage in your home country is graded as follows:

This plan is also suitable as follow-up insurance. The respective waiting periods apply where applicable.

Reimbursement of costs, less the deductibles, will be made within 10 working days.

In the case no claims have been made with a minimum duration of coverage of 12 months, a 2 months’ premium refund for Care College Comfort and Care College Premium can be applied for.

There are three rates: Care College Basic, Comfort and Premium.

In Care College Comfort and Care College Premium, we reimburse the costs of educational measures that have been booked but not taken in the form of a flat-rate daily hospital allowance benefit (sick pay allowance).

Entitlement to insured sick pay benefits exists in the event of a serious illness/severe consequences of an accident which lead to inpatient treatment for 14 days and a subsequent incapacity to work so that inpatient treatment and the incapacity to work together amount to a minimum of 90 days (without interruption).