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Frequently asked questions about international insurance | Benefits / claims settlement
Designelement 1 zum FAQ
Designelement 1 zum FAQ
Designelement 1 zum FAQ Will I be informed of the settlement of submitted invoices?
Designelement 1 zum FAQ
Designelement 1 zum FAQ
Designelement 1 zum FAQ
Designelement 1 zum FAQ
Designelement 1 zum FAQ
Designelement 1 zum FAQ
Designelement 1 zum FAQ
Designelement 1 zum FAQ
Designelement 1 zum FAQ
Designelement 1 zum FAQ
Designelement 1 zum FAQ
Designelement 1 zum FAQ
Designelement 1 zum FAQ
Frequently asked questions about international insurance | Benefits / claims settlement
What should I do if I need to see a doctor?

After you have applied for coverage, you will receive medical treatment certificates along with your confirmation of insurance coverage. These contain important information for the doctor about your insurance coverage. Please take one of these to your doctor. He can then send us the bill directly. Since there is no direct contractual relationship between us and the doctor, however, it is possible that he will send the bill(s) directly to you.

Subject: Care Au Pair insurance, Care College Basic/Comfort/Premium insurance, Care Economy insurance for foreign guests

What do I have to do when the doctor sends me a bill?

In order to process your claim, we always need a disease designation (diagnosis). Usually your doctor has already noted it on the bill. X-ray or laboratory bills often do not contain a diagnosis. In this case we also need the invoice of the attending physician who arranged the examination.

Your online service portal:

Your online service 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 service portal or Your online service 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 new 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.

We will then check your entitlement to benefits and usually reimburse the doctor directly.

Subject: Care Au Pair insurance, Care College Basic / Comfort / Premium insurance, Care Economy insurance for foreign guests
Will I be informed of the settlement of submitted invoices?

No! You will not be informed if the costs are directly reimbursed to the doctor. The costs saved are to the benefit of the low premium. If the costs cannot be reimbursed or cannot be reimbursed in full, you will be informed in writing.

Subject: Care Au Pair insurance, Care College Basic/Comfort/Premium insurance, Care Economy insurance for foreign guests

What do I need to do when I want to get medication from the pharmacy? ?

The medication must be prescribed by a doctor. You pay for it directly at the pharmacy, which then notes the purchase price on the prescription and stamps the disbursement note of the medication to you. Please submit the prescription only along with the invoice of the physician treating you. Otherwise we will not be able to review your claim. If we do not yet know your bank details, please let us know these at the same time.

Subject: Care Au Pair insurance, Care College Basic/Comfort/Premium insurance, Care Economy insurance for foreign guests

What do I have to do if I have to go to the hospital?

When you are admitted to the hospital, please say that you are insured with us and show your insurance card, which you should have received from us along with your confirmation of coverage. In general, only the costs of the standard care class are covered (comparable to the benefits provided through public health insurance in Germany). The hospital then submits an application for cost coverage. We will then arrange everything else.

Subject: Care Au Pair insurance, Care College Basic/Comfort/Premium insurance, Care Economy insurance for foreign guests

What benefits are provided for dental treatment?

The costs of pain-relieving dental treatment including simple fillings are reimbursed. If the expected costs exceed 250 EUR, a treatment plan and cost estimate must be submitted to us in advance for review. In the Care Au Pair insurance plan, this limit is EUR 500 at the M rate and EUR 1,000 at the XL rate. In Care Economy, we pay a maximum of EUR 300, including repairs of existing dental prosthesis, for a contract period of up to 180 days and a maximum of EUR 600 for a contract period of more than 180 days. The submission of a treatment plan and cost estimate is not required in this plan. You will receive medical treatment certificates with your confirmation of coverage, in which you will find more detailed information. Please take one treatment certificate with you to your dentist.

Subject: Care Au Pair insurance, Care College Basic/Comfort/Premium insurance, Care Economy insurance for foreign guests.

Do I also receive benefits for dental prostheses?

Some plans also provide limited benefits for dental prostheses. However, depending on the insurance coverage chosen, reimbursement may be limited to the repair of existing prostheses or to certain amounts. Waiting periods must also be taken into account. This means that the insurance must be in place for some time before you can claim benefits. You will find more detailed information in the medical treatment certificates that you receive along with yourconfirmation of insurance coverage. Please take a treatment certificate with you to your dentist.

If in doubt, please submit a treatment plan and cost estimate before you go for dental treatment. We will then inform you in writing about the benefits to which you are entitled.

Subject: Care Au Pair insurance, Care College Basic / Comfort / Premium insurance, Care Economy insurance for foreign guests

Do I also receive benefits for dental cleanings?

No! Only the costs of acutely necessary pain-relieving treatments are reimbursed by the international health insurance. Teeth cleaning is a preventive measure that is not medically necessary and, above all, does not serve to treat pain. No benefits are provided for cleanings.

Subject: Care Au Pair insurance, Care College Basic/Comfort/Premium insurance, Care Economy insurance for foreign guests

I need glasses. Which benefits am I granted for these?

This varies greatly, depending on the insurance coverage taken out. With some plans or rates we reimburse the costs of visual aids (including contact lenses) up to certain amounts after a certain contract period. The prerequisite is that the visual aid has been prescribed by a doctor and the visual acuity is stated. Sunglasses are generally not reimbursed.

Subject: Care Au Pair insurance, Care College Premium insurance, Care Economy insurance for foreign guests

Are the costs of check-ups/screening examinations (e.g. cancer screening) reimbursable?

No! Only the costs of medically necessary treatment are reimbursed by the international health insurance. These requirements are not met for preventive medical check-ups/screenings (including vaccinations). In general, no benefits are possible for such preventive measures.

Subject: Care Au Pair insurance, Care College Basic/Comfort/Premium insurance, Care Economy insurance for foreign guests

What benefits are granted in the case of pregnancy?

As a rule, pregnancies already existing at the time of taking out the insurance are excluded from coverage. If a pregnancy is detected, further examination is first required. Please have your gynaecologist confirm in writing when the pregnancy was first medically diagnosed and in which week of pregnancy you were at that time. Please submit this confirmation and enclose a complete copy of your maternity log (pregnancy record).

Subject: Care Au Pair insurance, Care College Basic/Comfort/Premium insurance, Care Economy insurance for foreign guests

Are contraceptive measures insured?

No! The costs of contraceptive or even anti-conception measures (birth control pill, contraceptive coil/IUD, diaphragm, etc.) are generally not reimbursable. This also includes all examinations that serve to determine a suitable contraceptive method. The costs of an abortion are also not covered.

Subject: Care Au Pair insurance, Care College Basic/Comfort/Premium insurance, Care Economy insurance for foreign guests

ou reimbursed the doctor directly, but I had already paid the bill. How do I get my money back?

Please speak to your doctor in such cases. They will certainly find out quickly that the invoice was paid twice and will immediately reimburse you for the amount overpaid.

Subject: Care Au Pair insurance, Care College Basic/Comfort/Premium insurance, Care Economy insurance for foreign guests

Is it generally worthwhile to take out additional accident insurance?

The costs of treatment for the consequences of an accident are reimbursed by the health insurance coverage. Accident insurance also offers insurance protection against the consequences of physical impairment (disability) caused by an accident. Even if you do not take out accident insurance, your health insurance will still provide you with coverage for injuries caused by accidents.

Subject: Care Au Pair insurance, Care College Basic/Comfort/Premium insurance, Care Economy insurance for foreign guests

Are medical costs fully reimbursed?

If the costs are generally reimbursable, you pay a deductible per insured event as follows:

  • in the Care Global Basic plan: EUR 50
  • in the Care College Basic plan: EUR 50
  • in the Care Economy plan: EUR 25
  • in the Care Au Pair S plan: EUR 35
  • in the Care Au Pair SI plan: EUR 50
  • in the Care Expatriate plan you can choose between three different deductible rates.

Exceptions are made for gynaecological examinations and childbirths - in these cases there is almost always a deductible (please refer to the description of the respective plan rate).
The amount of the deductible is deducted from the reimbursement. You then pay the co-payment to the doctor, in addition.

Subject: Care Au Pair insurance (S and SI), Care Global Basic insurance, Care College Basic insurance, Care Expatriate Basic/Comfort/Premium insurance, Care Economy insurance for foreign guests

Everything you need to know about invoices
Download FAQ (claims settlement)

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