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

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).

• 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.

• 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.

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:

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.

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
   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.
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

* 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.

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

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