The minimum duration of coverage under “Care Economy” is 1 day. The maximum period, including all extensions, is 2 years. The minimum premium per person and period: EUR 10.00.

Possible periods of coverage: 1-730 days

The insurance policy expires at the agreed upon point in time. There is no automatic extension.

Requests for policy extensions must be submitted before the end of the duration of coverage originally requested. Requests for extensions must be submitted in writing (e-mail, regular post, fax). You can find the appropriate form here.

• In the case of policy extensions, insurance coverage is only provided for those insured events and symptoms that newly arose after the policy extension was applied for.
• In the case of an extension for the plan with deductible, the premium is always calculated on the basis of the entire period of coverage. The payment already made for the original period is taken into account. An example: for an originally applied for duration of coverage of 30 days/premium 30.00 EUR.
• In the case of an extension to 100 days total period of coverage, 73.50 EUR would be due (103.50 EUR less 30.00 EUR).

If you end your stay abroad prematurely, you can terminate your policy in writing.
If you are refused a visa or do not enter the country due to other reasons, you have the option of terminating the insurance applied for in writing before coverage begins.

Shortly after you have completed and sent your online application, you will, after your application has been approved, receive a confirmation email to the email address you provided. This email contains the following documents in PDF format, which you can print out and use:

• confirmation of coverage
• the insurance terms and conditions, including consumer information, an information sheet about data processing and an excerpt from the German Insurance Act (VVG)

Should your application be denied, we will contact you in writing within two working days.

You may transfer the full premium amount to the account listed below, grant a SEPA direct debiting authorization or make a cash payment at any bank or post office bank. Please make sure you include the complete policy number whenever you make a transfer or cash payment.
The simplest and securest method is to grant a SEPA direct debiting authorization. Unfortunately, however, this is only possible for German and Austrian bank accounts. If you should decide to grant SEPA direct debiting authorization, please make sure that your account holds sufficient funds.

If you have not yet opened an account, you can make a cash payment at any bank or post office bank and provide your policy number in the space “reason for payment”.

With monthly payments (for periods of coverage of at least 180 days), however, you do not have the option of paying by bank transfer, as monthly payments are only possible with a SEPA direct debit mandate.
Bank account: Hypovereinsbank AG, IBAN: DE23200300000000111161 SWIFT code (BIC): HYVEDEMM300

Monthly payments are an alternative to a one-time payment for a period of coverage of at least 180 days, as long as you issue us a SEPA direct debit mandate at the same time.
The monthly premium for periods from 180 to 365 days is EUR 50.00 per month for persons up to the age of 64, EUR 126.00 per month for persons between 65 and 74 years of age. The monthly premium for a duration of coverage from 366 to 730 days is EUR 75.00 per month for persons up to the age of 64, EUR 242.00 per month for persons between 65 and 74 years of age. The one-time and monthly payment options are the only options available with Care Economy insurance coverage.

No. We recommend also taking out personal liability insurance coverage.

In general, every type of medical treatment which is considered necessary and which did not begin before commencement of the period of coverage (pre-condition) is insured. The international health insurance includes medical treatment by specialists (e.g., orthopaedists, gynaecologists) and inpatient treatment in the standard care class, with the exclusion of any treatment by the head physician.

Services not covered are

• illnesses, symptoms and consequences thereof that already existed, or were known, upon commencement or extension of coverage
• the consequences of such illnesses and accidents that have been treated within the last six months before commencement or extension of coverage
• psychoanalytic and psychotherapeutic treatment
• screenings and preventive examinations; cancer diagnosis
• examinations necessary for the granting of a residency permit
• vaccinations
• medical aids not due to an accident (e.g. glasses, contact lenses, compression stockings)
• pregnancy already existing upon commencement of coverage, abortion
• dental prostheses (with the exception of repairs), orthodontic treatment/implantological treatments, inlays, occlusal splints, gnathology
• addiction/withdrawal treatment or therapy
• certificates and expert reports

You will find a detailed description of benefits in the insurance terms and conditions.

If the guest cannot enter the country, a refund of the insurance premium is possible upon request. In order for the premium to be refunded, it is necessary to submit the rejection letter from the embassy or consulate. A refund will be made within 4-6 weeks less a processing fee of 5 EUR.

Care Economy coverage can also be taken out as a follow-up policy.

Yes, the policy ends upon marriage to a local citizen.

No. When you start working in Germany for the first time, you must apply for a social security card from a statutory health insurance fund (DAK, AOK, IKK, TK, ...) on behalf of your German employer. The social security number is not issued by a private insurance company.

Please enter the maximum number of days the visitor intends to stay in Germany as the 'duration of coverage'. If there is a change, please inform us by letter, fax or e-mail. You can extend your coverage in accordance with the policy terms and conditions or terminate it in writing at the end of the month.

As soon as we have received your application and determined we can insure you, you will receive confirmation of coverage by e-mail within a few minutes and, with periods of coverage 120 days or more, we will also send it to you via regular mail. In our experience, this confirmation has been recognized as proof of insurance coverage by all foreign authorities. It is usually sufficient to submit a copy of the document to the authorities.