Summary of benefits:

I. Health insurance

• outpatient treatment by a doctor
• inpatient treatment at a hospital (standard care class)
• medically necessary rehabilitation measures (follow-up treatment)
• transportation costs to hospital due to medical reasons
• 100% cost coverage for medications and remedies
• replacement of accident-related medical aids up to EUR 250.00 (not including visual aids)
• pregnancy examinations and treatment (EUR 50.00 deductible per examination) – as long as the insured is not pregnant upon commencement of coverage or at the time of applying for a policy extension – plus delivery (8 month waiting period, EUR 250.00 deductible per insured event)
• analgesic dental treatment – 100% (up to EUR 250.00 - above that 50%)
• additional costs of repatriation due to medical reasons, up to max. EUR 10,000.00
• repatriation costs/funeral expenses in the event of the death of the insured person, up to EUR 25,000.00
• up to 4 weeks extended liability period
• insurance coverage in home country /third countries
  • up to 14 days (duration up to 3 months)
  • up to 28 days (duration from 4 to 11 months)
  • up to 42 days/ policy year (with a duration starting at 12 months)
  Care Concept AG requires prior written notification of the stay.

This Care College rate provides for a general deductible of EUR 50.00 per claim. Costs will be reimbursed at up to 1.8 times the basic rate of the schedule of fees (GOÄ/GOZ).
For a complete list of benefits please see the general terms and conditions of insurance (AVB).

• 50% of the costs of dental prosthesis up to max. EUR 500.00 within two policy years (8 months qualifying period for dental prosthesis)
• additional costs of repatriation due to medical reasons, 100%
• no deductible except in case of gynaecological examinations or deliveries
• cost reimbursement with the schedule of fees (GOÄ or GOZ) without limitation to 1.8 times the basic rate.
• rerund of 1.5 months' premium if no claims submitted within one policy year
• compensation sick pay payment of EUR 1,500.00 (per policy year) in the event of medically necessary inpatient treatment (for at least 14 days) and a subsequent inability to work (for a combined total of at least 90 days).
• Upon request: transport costs of visiting family member in the case of inpatient treatment at a hospital for more than 14 days (500,– EUR)

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

• reimbursement of basic version accident-related medical aids at 100%
• visual aids up to EUR 100.00 (3 months` qualifying period)
• 100% of the costs of accident-related dental prothesis up to max. EUR 2,500.00
• 70% of the costs of dental prosthesis up to max. EUR 1,000.00 within two policy years (8 months qualifying period for dental prosthesis)
• repatriation costs/funeral expenses in event of death of the insured, up to EUR 25,000.00
• up to 8 weeks extended liability period
• no deductible except in the case of deliveries
• compensation sick pay payment of EUR 2,500.00 (per policy year) in the event of medically necessary inpatient treatment (for at least 14 days) and a subsequent inability to work (for a combined total of at least 90 days).
• daily hospital allowance, all in EUR 100.00 for each full inpatient treatment exceeding 14 days
• upon request: transport costs for visiting family member in case of inpatient treatment at a hospital for more than 14 days (EUR 1,250.00)
• refund of 2 months' premium if no claims are submitted within one policy year

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

1. Who can take out Care College Basic/Comfort/Premium insurance?
   
   For the purposes of training or further education measures, the following individuals can insure themselves via Care College
   
   • foreign nationals traveling temporarily to Germany or EU / Schengen states (except Austria);
   • foreign nationals living in Germany or Austria and intending to travel abroad temporarily (except to former NAFTA states: the USA, Canada and Mexico );
   • German or Austrian nationals traveling abroad temporarily - (except to former NAFTA states: the USA, Canada and Mexico )
   • German or Austrian nationals living abroad for at least two years and traveling temporarily to Germany or EU / Schengen states

   The insured person must be at least 12 and no more than 35 years of age when cover begins or on renewal of cover. The policyholder must be at least 18 years of age.
   Note: The main reason for the stay abroad must be training and/or further education.
   

2. Geographic scope of coverage
   The coverage applies only during the stay in Germany, EU / Schengen states (except Austria) or abroad, as applicable (exception, former NAFTA states: USA, Canada, Mexico).
   The insurance coverage also applies if the stay abroad includes stays in more than one host country and the change is necessary as part of the language learning process or course of study/training program. Brief stays in the home country and in third countries of up to 6 weeks per policy year are possible (policy year: 12 months starting from commencement of coverage).
   
3. How is the insurance coverage purchased?
   AOnce you have completely filled in and sent the online application form, you will receive, shortly therafter and upon successful assessment of your application, a confirmation email sent to the email address provided.This email will contain the following documents as PDFs, which you can print out and use:
   • your confirmation of coverage
   • a medical treatment certificate
   • a questionnaire pertaining to insurability
   • the insurance terms and conditions incl. consumer information as well as a fact sheet on data processing and an excerpt from the Insurance Contract Act (VVG)
   In addition you will receive your insurance card and your invoice, in the event you paid via bank transfer, via regular mail within two working days.
   If we are unable to approve your application, we will contact you in writing within two working days.
   We will then debit the premium(s) from your account in accordance with your chosen payment interval giving your policy number(s).
   You must apply for any renewal in written form before coverage expires.

4. Duration of coverage and waiting periods
   The insurance policy must be taken out for the entire duration of the stay. The period begins and ends on the dates stated in the policy; the coverage should be taken out within 31 days of entry
   into the Federal Republic of Germany or EU/Schengen states or rather before the start of the journey abroad; it ends with regard to the health insurance after 5 years at the latest.

   If you have already left the country, or entered the country more than 31 days ago, you can nonetheless take out insurance. In this case a general qualifying period of 31 days applies merely to the health insurance. There is no waiting period for accidents, or if you can demonstrate prior cover immediately preceding the new policy.
   

5. Extensions (follow-up policies)
   Should your stay last longer than planned you can simply take out a follow-up policy. The application must be sent online to Care Concept AG by using the following link: renewals online before expiration of the original policy, and the insurer must explicitly approve it. In the case of extensions, only insured events that arise after applying for an extension are covered. It is therefore advisable to take out coverage for longer periods from the outset. The maximum duration of coverage of – including all extensions – is five years for health insurance.
6. Termination - Cancellation
   Premature termination is possible if the insured person
   
   • leaves Germany or EU/Schengen states, or returns from the foreign trip, prematurely, or
   • becomes subject to social security contributions in the destination country, or
   • no longer meets a prerequisite for continuation of the policy, e.g. regarding the health insurance coverage, when there is an ending of the further education course.
   The policy can be terminated at the earliest on the date on which Care Concept AG receives the corresponding termination notification in writing. An administration fee of EUR 5.00 will be charged for every refund of premium paid in excess.

If you should have any further questions, our Care Concept team would be happy to help you at the following German toll free numbers.
Phone: 0800 -977 35000800 -977 3500 Fax: 0800 9773535

Otherwise you can reach us at:
Phone: +49 228 - 977 35 - 11+49 228 - 977 35 - 11 Fax: +49 228 97735-911
e-mail:

• illnesses and consequences of accidents, the treatment of which abroad was the sole reason or one of the reasons for setting out on the trip
• costs exceeding EUR 30,000.00* for illnesses, symptoms and consequences of accidents that already exist, or are known upon commencement or extension of coverage as well as the consequences of such illnesses and accidents that have been treated within the last six months before commencement of coverage or extension,
• examinations and treatment of pregnancies that already existed prior to commencement of coverage and/or upon applyingn for a policy extension
• termination of pregnancies and contraception
• optional services in hospitals
• medical aids not concerning accidents
• psychotherapeutic / psychoanalytical treatment
• drug withdrawal measures, health treatment cures and recuperative treatment
• cosmetic treatment (e.g. scar corrections, non-essential acne and wart removals etc.)
• medical check-ups, vaccinations
• calculus/plaque removal, paradontosis treatments
• orthodontic treatment, dental splints, implantological and gnathological measures
• examinations for the purposes of obtaining a residence permit
• certificates and expert opinions

Please send any medical bills or notifications of damages in thei original form,
indicating the policy number:


Care Concept AG | Postfach 30 02 62
53182 Bonn
Phone: 0800 -977 35000800 -977 3500 or +49 228 977 35-22+49 228 977 35-22 | Fax: 0800 9773535 or +49 228 97735-922
e-mail:

Please always carry the insurance card, that includes your personal details, with you in case of emergency. This was sent to you by regular mail. Our telephone number is also listed on the card. If you have any questions about the insurance coverage or other insurance procedures, please call the toll free service number above.


Liability claims
In the event of liability claims no acceptance of fault should be indicated to the injured party. Care Concept AG will alone investigate which party is at fault.

Accidents
If the accident should result in death, this fact is to be communicated to Care Concept AG within 48 hours at the latest, even if the accident has already been reported.

Illnesses
If you need outpatient treatment, please present the medical treatment certificate - signed by you and sent to you with the confirmation of coverage – to the doctor. In order to save you unnecessary administrative expenses, we pay the benefits listed in the policy in Germany and Austria directly to the doctor, after deducting any applicable deductible. If undergoing inpatient treatment, please arrange that the hospital request a declaration of cost coverage from Care Concept AG via fax at + 49 228 97735-922. Any prescription charges incurred – when you are entitled to them – will be reimbursed to the account specified to us by the policyholder once we have received the corresponding medical invoice(s).
Note: For treatment abroad, please send the invoices you have paid in original form to Care Concept AG in Bonn. Please also ensure that the doctor makes a note of the diagnosis on the documents. Any reimbursement will then be made to the policyholder’s account provided.

Study carefree while enjoying excellent insurance coverage!

If you would like to study in Germany later, you must as a rule be insured via a public health insurance provider (please see excerpts from the German Social Security Code). We give you the opportunity to then move seamlessly into a statutory health insurance coverage.

To make it easy for you, we offer you a special service: For enrollment in a college or university you need a certificate from a statutory health insurance provider. We arrange this for you.

Your benefits

• optimum insurance coverage from the very first day from a single source
• foreign language support
• affordable premium with outstanding service

Premium payments

The German Ministry of Health establishes the premium for student health insurance and long-term care insurance uniformly and at the same level for all public health insurance carriers. As an example, for the summer semester 2019 these are

• for health insurance EUR 87,20 per month
  
• for nursing insurance EUR 22,69 per month or EUR 24,55 (for persons without children from 23 years of age).
  

It’s as easy as this

With us you enjoy complete insurance coverage from the first day of the semester on with all the added advantages in benefits and services. When enrolling in a college or university, you just need to present your confirmation of insurance coverage. The college will then report to the health insurance provider that you have started your studies.

Without this confirmation you cannot start your course of study!

If you should have any further questions we would be pleased to help you at the following toll free service numbers in Germany:
Phone: 0800 -977 35000800 -977 3500
Fax: 0800 9773535

Or you can contact us at:
Phone: +49 228 - 977 35 - 44+49 228 - 977 35 - 44
Fax: + 49 228 97735-944
e-mail:

Further information: statutory health insurance for students

  Download description of international health insurance for language school participants and students (PDF 121KB)