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I. Heilbehandlungskosten |
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II. Zahnbehandlungskosten |
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III. Rücktransport-, Überführungs- / Bestattungskosten |
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IV. Nachhaftung |
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Care College Versicherungsbedingungen als PDF herunterladen (379KB) |
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Versicherungsvertragsgesetz |
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Soweit nicht etwas anderes vereinbart ist, gilt:
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Der Versicherungsnehmer kann gegen Forderungen des Versicherers nur aufrechnen, soweit die Gegenforderung unbestritten oder rechtskräftig festgestellt ist. |
Es gilt deutsches Recht, soweit zulässig. Vertragssprache ist Deutsch. |
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Zusätzlich zu den Leistungen des Tarifs Care College Basic sieht der Tarif Care College Comfort folgende Zusatzleistungen vor:
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Zusätzlich zu den Leistungen des Tarifs Care College Comfort sieht der Tarif Care College Premium folgende Zusatzleistungen vor:
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§ 8 Right of withdrawal for the policyholder |
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§ 15 Suspension of limitation on claims |
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§ 28 Breach of a contractual obligation |
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§ 37 Late payment of the first premium |
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§ 38 Late payment of a subsequent premium |
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§ 39 Early termination of the contract |
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§ 86 Assignment of compensation claims |
(1) The policyholder may withdraw his contractual agreement within 14 days. The withdrawal must be stated in writing to the insurer and does not need to give a reason; the deadline is met if the statement is sent in good time. (2) The withdrawal deadline starts at the point in time when the following documentation has been provided in writing to the policyholder: 1. the insurance certificate and the insurance provisions, including the general insurance terms and conditions as well as the additional information pursuant to Article 7 (1 and 2) and 2. a clearly stated notification of the right to withdrawal and the legal consequences of withdrawal which makes the rights of the policyholder in accordance with the requirements of the communication form used clear and contains the names and complete address of the persons to whom the withdrawal must be addressed, as well as a reference to the start of the period for withdrawal and to the regulations of paragraph 1 (2). The proof of the arrival of the documentation under (1) is the responsibility of the insurer. (3) The right to withdrawal does not exist 1. for insurance contracts with a duration less than one month, 2. for insurance contracts with provisional cover, unless this is a distance contract in terms of § 312b (1 and 2) of the Civil Code, 3. for insurance contracts with pension funds based on employment contract regulations, unless this is a distance contract in terms of § 312b (1 and 2) of the Civil Code, 4. for insurance contracts dealing with a major risk in terms of § 210 (2). The right of withdrawal lapses if the contract is considered by both sides at the explicit wish of the policyholder to be fulfilled before the policyholder has exercised his right of withdrawal. (4) In the cases of electronic transactions, the right of withdrawal, contrary to paragraph 2 (1) does not begin before fulfilment of the obligations regulated in § 312 (1) (1) of the Civil Code. (5) The notification to be given under paragraph 2 (1) (2) satisfies the requirements stated there if the sample in the Annex to this Act is used in written form. The insurer may deviate from the sample in format and font size, taking into account paragraph 2 (1) (2), and may insert additions such as the company name or a logo of the insurer. |
If a claim to the insurer has been made, the limitation period will be suspended until the decision of the insurer is notified to the applicant in writing. |
(1) In the event of a breach of a contractual obligation to be fulfilled by the policyholder to the insurer before an insured event occurs, the insurer may within one month of learning of the breach may terminate the contract without notice, unless the breach is not due to deliberate intent or gross negligence. (2) If the contract determines that the insurer is not obligated to provide benefits if the policyholder breaches an obligation to be fulfilled under the contract, the insurer is free from liability, if the policyholder has deliberately breached the obligation. In the event of failure to meet obligations as a result of gross negligence, the insurer is entitled to reduce their benefits in proportion to the extent of the policyholder's culpability; the burden of proving that gross negligence did not occur shall be borne by the policyholder. (3) Contrary to (2), the insurer is obliged to provide benefits if the breach of the obligation neither led to the occurrence or establishment of the insured event nor led to the establishment or scope of the benefit that the insurer is obliged to provide. Sentence 1 shall not apply if the obligation has been breached by making fraudulent misrepresentations. (4) The complete or partial freedom from liability of the insurer under (2) presupposes the breach of an obligation to provide information or clarification after the insured event has occurred for which the insurer has drawn the attention of the policyholder to the legal consequences by separate written notification. (5) An agreement under which the insurer is entitled to withdrawal in the event of a breach of a contractual obligation would be invalid. |
(1) If the one-off or first premium is not paid on time, the insurer is entitled to withdraw from the contract as long as payment has not been made, unless the policyholder is not responsible for the non-payment. (2) If the first or one-off premium has not been paid when an insured event occurs, the insurer is not obliged to provide coverage, unless the policyholder is not responsible for the non-payment. The insurer is only free of liability if it has informed the policyholder of this legal consequence of non-payment of the premium in a separate written notification or through a prominent notice in the insurance certificate.
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(1) If a subsequent premium is not paid on time, the insurer can inform the policyholder in writing at the policyholder’s expense of a deadline for payment, which must be at least two weeks. The provision only takes effect if the insurer sets out the amounts due, showing the premiums, interest and costs in detail, and states the legal consequences which under paragraphs 2 and 3 are associated with the expiry of the deadline; where contracts have been combined, the amounts must be respectively stated separately. (2) If an insured event occurs after the deadline has expired, and if the policyholder is then in default of the premium, the interest or the costs, the insurer shall not be obliged to provide coverage. (3) After the deadline expires, the insurer can terminate the contract without notice, if the policyholder is in default of payment of the amounts due. The termination can be combined with the determination of the payment deadline in such a way that the termination will take effect upon expiry of the deadline if the policyholder is in default of payment at this time; the policyholder must be explicitly notified of this. The termination shall become ineffective if the policyholder makes the payment within one month after the termination or, if it was combined with the determination of the deadline, within one month after the deadline expires; paragraph 2 is unaffected by this. |
(1) In the event that the insurance relationship ends before the expiry of the insurance period, the insurer is only entitled for this insurance period to that part of the premium which corresponds to the period when insurance cover was provided. If the insurance relationship ends by withdrawal on the basis of § 19 (2) or by a challenge by the insurer due to fraudulent representations, the insurer is entitled to the premium up to the time when the withdrawal or challenge takes effect. If the insurer withdraws on the basis of § 37 (1), a reasonable processing fee can be charged by the insurer. (2) If the insurance relationship ends on the basis of § 16, the policyholder can demand the return of that part of the premium relating to the time after the end of the insurance relationship, after deduction of reasonable costs incurred for this period. |
(1) If the policyholder has a basis to claim compensation from a third party, this right shall be assigned to the insurer, provided that this insurer will pay the damages. The assigned claim cannot be used to the disadvantage of the policyholder. (2) The policyholder has to protect his claim for compensation or his right to secure this claim, taking into account the applicable formal requirements and deadlines, and to assist in the pursuit of the claim by the insurer, if necessary. If the policyholder intentionally violates this obligation, the insurer is not obliged to pay benefits, since the insurer will therefore not be able to obtain any compensation from the third party. In the event of failure to meet obligations as a result of gross negligence, the insurer is entitled to reduce their benefits in proportion to the extent of the policyholder's culpability; the burden of proving that gross negligence did not occur shall be borne by the policyholder. (3) If the policyholder's claim for compensation is against a person with whom he was living at the time of the event, the assigned claim cannot be pursued in accordance with paragraph 1 unless this person caused the damage deliberately. |
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Please note that the English translation is offered as a service for convenience only. The legally binding version is the German version.