Detailed description insurance plans Care College Basic/Comfort/Premium
Designelement zur Sprachschüler Versicherung
Designelement zur Sprachschüler Versicherung
Designelement zur Sprachschüler Versicherung
Designelement zur Sprachschüler Versicherung
Designelement zur Sprachschüler Versicherung
Designelement zur Sprachschüler Versicherung
Designelement zur Sprachschüler Versicherung
Designelement zur Sprachschüler Versicherung
Designelement zur Sprachschüler Versicherung
Designelement zur Sprachschüler Versicherung
Why take out health insurance for your stay abroad?

Many language school participants and students staying abroad for a specific period of time take out inadequate health insurance coverage or none at all. But, unfortunately, illness or accidents can never be entirely ruled out and can result in considerable financial loss. With Care College coverage you are protected from the costs of necessary medical treatment abroad.

Care College Basic plan description

Summary of benefits:

I. Health insurance

  • outpatient treatment by a doctor
  • inpatient treatment at a hospital (standard care class)
  • 100% cost coverage for medications
  • analgesic dental treatment – 100% (up to max. EUR 500.00/insurance year)
  • deductible 120,– EUR / insurance year
  • transportation costs to hospital due to medical reasons
  • medically necessary rehabilitation measures (follow-up treatment)
  • replacement of accident-related medical aids up to EUR 250.00 / insurance year (not including visual aids)
  • 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 (Policies with a period of up to 4 months)
    • up to 28 days (Policies with a period of more than 4 months and less than 12 months)
    • up to 42 days (Policies with a period of exactly 1 year)
    • up to 42 days in the first policy year. For each further half policy year started, up to 21 days (Policies with a period of longer than 1 year)
    Care Concept AG requires prior written notification of the stay.

This Care College rate provides for a general deductible of EUR 120.00 per insurance year. 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).

Care College Comfort plan description
This plan is based on Care College Basic with the following additional benefits:

I. Health insurance:
  • no deductible
  • refund of 2 months' premium if no claims submitted within one policy year
  • analgesic dental treatment – 100% (up to max. EUR 750.00/insurance year)
  • cost reimbursement with the schedule of fees (GOÄ or GOZ) without limitation to 1.8 times the basic rate.
  • 50% of the costs of dental prosthesis up to max. EUR 500.00 within two policy years (8 months qualifying period for dental prosthesis)
  • 100% of the costs of accident-related dental prosthesis up to max. EUR 1,000.00
  • replacement of accident-related medical aids up to EUR 500.00/insurance year
  • additional costs of repatriation due to medical reasons, 100%
  • 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 (EUR 500.00)

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

Care College Premium plan description
The plan is based on Care College Comfort with the following additional benefits:

I. Health insurance:
  • analgesic dental treatment (up to max. EUR 1,250.00/insurance year)
  • 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)
  • 100% of the costs of accident-related dental prosthesis up to max. EUR 2,500.00
  • reimbursement of basic version accident-related medical aids at 100%
  • visual aids up to EUR 100.00 (3 months` qualifying period)
  • up to 8 weeks extended liability period
  • 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).
  • 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)
  • daily hospital allowance, all in EUR 100.00 for each full inpatient treatment exceeding 14 days

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

Insurance coverage at a fair price:

You can take out your Care College coverage at different rates with varying benefits as well as for differing durations of coverage. The premium rate with policiy periods of more than 24 months increases at the 25th month. The premium also increases from the 30th birthday. For monthly premium rates please refer to the following list:

Premium overview Care College


Care College
Basic
Our bestseller
Care College
Comfort

Care College
Premium

1. - 24. Month / up to 29 years of age
26.00 € 32.00 € 48.00 €

Starting
month 25 / up to 29 years of age
32.00 € 48.00 € 75.00 €

Starting
month 25 / 30 years +
48.00 € 75.00 € 73,00 €

1. - 24. Month / up to 29 years of age
55,00 € 73,00 € 99,00 €

Care College
Premium overview

Our bestseller
Monthly premium Care College Basic
Comfort
Premium
1. - 24. Month / up to 29 years of age 26.00 € 32.00 € 48.00 €
1. - 24. Month / 30 years + 32.00 € 48.00 € 75.00 €
Starting month 25 / up to 29 years of age 49.50 € 57.00 € 73.00 €
Starting month 25 / 30 years + 55.00 € 73.00 € 99.00 €
Book now
Important information about insurance coverage
  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: USA, Canada and Mexico;
    • German or Austrian nationals traveling abroad temporarily - except 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 40 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: 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?
    Once 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 for presentation at embassies, visa offices and authorities
    • 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)

    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.
Please note:
Payment to Care Concept AG is deemed made if a pre-authorized payment mandate is issued when the insurance is taken out and the account number provided contains sufficient funds when the direct debit is executed.
  1. 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.
  2. Extensions
    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.
    The maximum duration of coverage of – including all extensions – is five years for health insurance.
  3. 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:

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.

Exclusions
  • 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

* Otherwise, a deductible of EUR 5,000.00 exists for these costs per policy year.
You will find a detailed description of the benefits in the insurance terms and conditions.

Important information in event of claim or illness
My Care Concept Customer portal:

My Care Concept Customer portalIf you have a claim and would like to send us any relevant documents such as doctor's bills or pharmacy receipts, or if we have asked you for some information regarding a request for reimbursement (for example, a completed self-disclosure form or proof of entry into a country), you can upload all documents quickly and easily here: My Care Concept Customer portal
Your advantage: You do not need to send us anything by regular mail or email*, and you will receive the benefits stipulated in your policy very quickly.
*In individual cases we reserve the right to request original versions of the documents.

Care Concept InvoiceApp:

Care Concept RechnungsAppWith our Care Concept InvoiceApp, you can scan documents quickly and easily from anywhere with your cell phone or tablet and transmit them to us in a secure manner:
Care Concept InvoiceApp

Your advantage: You do not need to send us anything by regular mail or email*, and you will receive the benefits stipulated in your policy very quickly.
*In individual cases we reserve the right to request original versions of the documents.

Contact information:


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:



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 'Important information on insurance coverage', which you can download from the customer portal in your contract details page – 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 via the Service Portal or the Care Concept InvoiceApp to Care Concept AG. 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.

Treatment costs for injuries due to accidents are covered by the health insurance. Long-term disability claims can only be covered, however, by an accident insurance policy. We therefore recommend that you take out accident and liability coverage.


Liability insurance protects you against claims for damages from third parties.
Accident insurance protects you against the financial consequences of a decline in your ability to work due to disability or death following an accident.

In addition to health insurance we offer – in a legally independent policy – personal liability insurance or a personal liability/accident insurance package with the following benefits:

Care Protector S/M/XL
Your benefits at a glance*


Care Protector
S
starting at 2 € / Month
Our bestseller
Care Protector
M

starting at 4 € / Month

Care Protector
XL
starting at 7,50 € / Month

Liability insurance
Sum insured for personal injury and property damage, Deductible 10 %
€ 1 Mio. € 2 Mio. € 2,5 Mio.
Deportation costs from Germany, Deductible 10 %
€ 1,000 € 2,000 € 3,000
Rental damage to immovable property, deductible 10%
€ 10,000 € 25,000 € 50,000
Loss of keys, deductible 10%, min. € 100.00
No No € 1,000
Professional liability, deductible 10%, min. 200 €
No No € 25,000
Bad debt insurance, deductible 10%, min. 200 €
No No € 10,000
Insurance coverage in your home country, (from one year term)
6 weeks 6 weeks 6 weeks
No deductible
€ 250.00 Yes Yes

Accident insurance
Basic disability sum
No € 30,000 € 40,000
Maximum disability sum with a progression scale of 350%
No € 105,000 € 140,000
Death benefit in the event of accidental death
No € 15,000 € 25,000
Rescue costs in the event of an accident
No € 7,500 € 10,000
Cosmetic operations due to an accident
No € 2,500 € 5,000
Book now

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

Care Protector S/M/XL
Your benefits at a glance*

Our bestseller
Care Protector
insured benefits*
S
2 € / Month
M
4 € / Month
XL
7,50 € / Month

Liability insurance
Sum insured for personal injury and property damage € 1 Mio. € 2 Mio. € 2,5 Mio.
Deportation costs from Germany, Deductible 10 %, mind. 250 € € 1,000 € 2,000 € 3,000
Rental damage to immovable property, deductible 10% € 10,000 € 25,000 € 50,000
Loss of keys, deductible 10%, min. € 100.00 No No € 1,000
Professional liability, deductible 10%, min. 200 € No No € 25,000
Bad debt insurance, deductible 10%, min. 200 € No No € 10,000
Insurance coverage in your home country, (from one year term) 6 weeks 6 weeks 6 weeks
No deductible € 250.00 Yes Yes

Accident insurance
Basic disability sum No € 30,000 € 40,000
Maximum disability sum with a progression scale of 350% No € 105,000 € 140,000
Death benefit in the event of accidental death No € 15,000 € 25,000
Rescue costs in the event of an accident No € 7,500 € 10,000
Cosmetic operations due to an accident No € 2,500 € 5,000
Book now

*For a complete list of benefits see the Terms and conditions of liability/accident insurance.


Public student health insurance

If you’re planning to begin a course of study in Germany, you can take out student insurance coverage with one of the statutory health insurance providers. As the international student office of the DAK – Gesundheit we make it very easy for you: If you are no older than 29 and are beginning a course of study in the first semester at a technical college or university in Germany, you can apply for your student insurance with DAK – Gesundheit directly online here.
Only with us can you book the optional tariff DAK Fit & Travel directly and significantly extend the statutory insurance coverage. And it's completely free for everyone up to the age of 39!

Public student health insurance find out more

Care Student – Private student insurance

If you’re planning to begin a course of study in a state-recognized college or university in Germany, you have to take out legally recognized student insurance coverage. We make it easy for you: Apply for your Care Student coverage, which is cheaper than public health insurance, directly online here.

Private student insurance find out more



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.

We take care of you!

Telephone +49 228 97735 44+49 228 97735-44
Reporting a claim - customer portal