FAQ tariff Care College
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Designelement zur Sprachschueler Versicherung
Who is eligible for international health insurance coverage under the Care College Basic, Comfort and Premium plans?

incoming:

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.

How long is one covered for?
  • 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.
Is the policy extended automatically?

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

What should one consider when extending a policy?
  • 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.
How, and in which cases, is it possible to terminate the policy prematurely?
  • 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.
How do I obtain my confirmation of coverage online?

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.

Is it possible to transfer the premium payments every month instead of having them debited directly?

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

Are stays in hospital and treatment by medical specialists insured?

In general, every type of medical treatment which is considered necessary and which did not begin before commencement of the insurance coverage (pre-existing condition) is covered. The international health insurance coverage includes medical treatment by specialists (e.g., orthopaedists, gynaecologists) and inpatient treatment in the standard care class, excluding treatment by the head physician. You will find a detailed list of benefits in the description section and in the General Terms and Conditions of Insurance.

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


Care College
Basic
starting at 26 € / Month
Our bestseller
Care College
Comfort

starting at 32 € / Month

Care College
Premium
starting at 48 € / Month

Inpatient treatment
Inpatient treatment, shared room, without optional benefits
Yes Yes Yes
Inpatient treatment of mental illnesses with the exception of psychoanalysis and psychotherapy
Yes Yes Yes
Visit by a relative during inpatient treatment
No € 500.00 € 1,250.00
Daily hospital allowance, lump sum of €100 for inpatient stays of more than 14 days
No No Yes
Ambulance services
Yes Yes Yes

Outpatient treatment
Outpatient treatment
Yes Yes Yes
Max. reimbursement rate according to GOÄ in Germany
1,8 2,3 2,3
Prescription medications and dressings
Yes Yes Yes
remedies, per policy year
€ 250.00 € 500.00 € 1,500.00
Accident-related aids , per policy year
€ 250.00 € 500.00 Yes
Visual aids Waiting period: 3 months
No No 100 €
Outpatient treatment of mental illnesses with the exception of psychoanalysis and psychotherapy
Yes Yes Yes

Dental treatment
Pain-relieving dental treatment, per policy year
€ 500.00 € 750.00 € 1,2500.00
Max. reimbursement rate according to GOZ in Germany
1,8 2,3 2,3
Dentures, in 2 policy years, waiting period: 8 months
No 50 % up to € 500.00 70 % up to € 1,000.00
Accident-related dentures
No up to € 1,000.00 up to € 2,500.00

Pregnancy
Pregnancy check-ups and delivery. Waiting period: 8 months
Yes Yes Yes

Return transportation
Medically advised return transportation
up to € 10,000.00 Yes Yes
Extended liability
4 weeks 4 weeks 8 weeks
Repatriation/burial costs in event of death of the insured person
up to EUR 25,000.00 up to EUR 25,000.00 up to EUR 25,000.00

Further benefits
Deductible
€ 120.00 € 0.00 € 0.00
insurance coverage in home country (depending on the insurance period)
Yes Yes Yes
Money-back guarantee: Reimbursement of 2 months` premiums if no benefits are paid within one policy year
No Yes Yes
Indemnity for serious illness, per policy year
No € 1,500.00 € 2,500.00
24/7-Emergency number
Yes Yes Yes
Digital insurance card
Yes Yes Yes
Plastic insurance card
No Yes Yes
Book now

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

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

Our bestseller
Care College
insured benefits*
Basic
starting at 26 € / Month
Comfort
starting at 32 € / Month
Premium
starting at 48 € / Month

Inpatient treatment
Inpatient treatment, shared room, without optional benefits Yes Yes Yes
Inpatient treatment of mental illnesses with the exception of psychoanalysis and psychotherapy Yes Yes Yes
Visit by a relative during inpatient treatment for inpatient stays of more than 14 days No € 500.00 € 1,2500.00
Daily hospital allowance, lump sum of €100 for inpatient stays of more than 14 days No No Yes
Ambulance services No No Yes

Outpatient treatment
Outpatient treatment Yes Yes Yes
Max. reimbursement rate according to GOÄ in Germany 1,8 2,3 2,3
Prescription medications and dressings Yes Yes Yes
remedies, per policy year € 250.00 € 500.00 € 1,500.00
Accident-related aids , per policy year € 250.00 € 500.00 Yes
Visual aids No No € 100.00
Outpatient treatment of mental illnesses with the exception of psychoanalysis and psychotherapy Yes Yes Yes

Dental treatment
Pain-relieving dental treatment, per policy year € 500.00 € 750.00 € 1,250.00
Max. reimbursement rate according to GOZ in Germany 1,8 2,3 2,3
Dentures, in 2 policy years, waiting period: 8 months No 50 % up to € 500.00 70 % up to € 1,000.00
Accident-related dentures No up to € 1,000.00 up to € 2,500.00

Pregnancy
Pregnancy check-ups and delivery, Waiting period: 8 months Yes Yes Yes

Return transportation
Medically advised return transportation up to € 10,000.00 Yes Yes
Extended liability 4 weeks 4 weeks 8 weeks
Transfer/funeral costs in the event of death up to EUR 25,000.00 up to EUR 25,000.00 up to EUR 25,000.00

Further benefits
Deductible, per policy year € 120.00 € 0.00 € 0.00
insurance coverage in home country (depending on the insurance period) Yes Yes Yes
Money-back guarantee: Reimbursement of 2 months` premiums if no benefits are paid within one policy year No Yes Yes
Indemnity for serious illness, per policy year No € 1,500.00 € 2,500.00
24/7-Emergency number Yes Yes Yes
Digital insurance card Yes Yes Yes
Plastic insurance card No Yes Yes
Book now

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

Does insurance for language school participants also protect against third party claims for damages?

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.

Am I also insured while visiting my home country?

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:

Policies with a period of Coverage in home country*
Policies with a period of up to 4 months Coverage in home country*: up to 14 days**
Policies with a period of more than 4 months and less than 12 months Coverage in home country*: up to 28 days**
Policies with a period of exactly 1 year Coverage in home country*: up to 42 days
Policies with a period of longer than 1 year Coverage in home country*: up to 42 days in the first policy year. For each further half policy year started, up to 21 days

*Please note the following definition: Home country is the country of citizenship or permanent residency of the traveler.
**For several consecutive policies during the year, a maximum of 42 days within the policy year.
Can Care College be taken out subsequent to other insurance to provide continued coverage?

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

How long does it take to get reimbursed in the case of a claim?

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

Can a premium refund be requested if no claims have been submitted?

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.

How many rates are offered in Care College?

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

I am unable to finish my training program I started abroad. Am I entitled to benefits?

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).

When am I entitled to insured sick pay?

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).

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 College
Take out your insurance now
Here you can take out your Care College health insurance coverage and receive immediate confirmation
Terms and conditions of insurance
General terms and conditions of insurance for language students
Questions & Service
Frequently asked questions, reporting a claim and customer portal



Please note that the English translation is offered as a service for convenience only. The legally binding version is the German version.

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