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

FAQs



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 -
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: Ja Comfort: Ja Premium: Ja
prescription medications and ambulance services Basic: Ja Comfort: Ja Premium: Ja
inpatient treatment in the hospital Basic: Ja Comfort: Ja Premium: Ja
analgesic dental treatment Basic: Ja up to EUR 500.00/ policy year Comfort: Ja up to EUR 750.00/ policy year Premium: Jaup to EUR 1,250.00/ policy year
cost for dental prosthesis (within 2 years of insurance term, qualifying period:8 months) Basic: - Comfort: Ja50 % up to EUR 500.00 Premium: Ja70 % up to EUR 1,000.00
accident-related dental prosthesis Basic: - Comfort: Ja up to EUR 1,000.00 Premium: Ja up to EUR 2,500.00
prescription accident-related medical aids (basic version) Basic: Jaup to EUR 250.00/ policy year Comfort: Ja up to EUR 500.00/ policy year Premium: Ja 100 %
remedies Basic: Jaup to EUR 250.00/ policy year Comfort: Jaup to EUR 500.00/ policy year Premium: Jaup to EUR 1,500.00/ policy year
visual aids (up to EUR 100.00, 3 months qualifying period) Basic: - Comfort: - Premium: Ja
additional costs for medically advisable repatriation Basic: Jaup to EUR 10,000.00 Comfort: Ja100 % Premium: Ja100%
deductible/policy year Basic: JaEUR 120.00 Comfort: no deductible Premium: no deductible
costs for treatment acc. GOÄ/GOZ in Germany Basic: Jaup to 1.8 times the basic rate in the fee schedule Comfort: Jaup to 2.3 times the basic rate in the fee schedule Premium: Jaup to 2.3 times the basic rate in the fee schedule
world-wide emergency services Basic: Ja Comfort: Ja Premium: Ja
extended liability period Basic: Ja4 weeks Comfort: Ja4 weeks Premium: Ja8 weeks
repatriation/burial costs in event of death of the insured person Basic: Jaup to EUR 25,000.00 Comfort: Jaup to EUR 25,000.00 Premium: Jaup to EUR 25,000.00
worldwide scope of coverage (excl. USA, Canada, Mexico) Basic: Ja Comfort: Ja Premium: Ja
insurance coverage in home country (depending on the insurance period) Basic: Ja Comfort: Ja Premium: Ja
treatment of mental illnesses (also inpatient) with the exception of psychoanalysis and psychotherapy Basic: Ja Comfort: Ja Premium: Ja
insurance card Basic: Jadigital Comfort: Jadigital + upon request as plastic card Premium: Jadigital + upon request as plastic card
refund if no claims in one policy year Basic: - Comfort: Ja2 months' premium Premium: Ja2 months' premium
sick pay in event of a severe illness/disease upon request: Basic: - Comfort: JaEUR 1,500.00/ policy year Premium: JaEUR 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: Ja EUR 500.00 Premium: Ja EUR 1,250.00
daily hospital allowance (all in EUR 100.00 for hospital stays exceeding 14 days) Basic: - Comfort: - Premium: Ja

*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.


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