Coverage officially begins once the properly completed application form has been received along with the required payment (i.e. receipt of payment is necessary). It is therefore recommended to choose payment by direct debit, meaning the amount due is directly debited from the specified account. 

You will not receive the insurance policy by mail. You can download your insurance policy at any time in your customer portal or receive it by email.

Since the insurance plans are specialized in coverage for travel abroad, permanent insurance for Germans residing in Germany is not available. However, depending on the selected plan, short-term stays in the home country may also be covered, e.g. under Care College tariffs. 

A termination of your policy is possible if you: 

1. insure yourself with a public health insurance provider, e.g. AOK, TK or DAK; 
2. leave Germany/abroad again;  
3. stay in Germany/abroad forever; or  
4. are no longer eligible for coverage. 

Your notice of termination must be made in writing (e-mail, fax, regular mail) or via your  Customer portal or Online Service-Portal and must include appropriate proof (e.g. confirmation of public health insurance coverage, a copy of the flight ticket or a written explanation by the insured person stating the end of the stay abroad, the date of departure and the means of transport).  

Under these conditions, the termination can be carried out retroactively for a maximum of 4 weeks and in the case of mandatory insurance for a maximum of 3 months; no advanced period of notice is necessary (see also premium refund). 

Please use your Customer portal or Service Portal for policy terminations: 

Any premiums paid in excess will be refunded less a processing fee of EUR 5.00 to the day. 

An extension must be requested in writing (e-mail, regular mail, My Care Concept Customer portal, fax) before the original duration of coverage expires. Whether the extension is carried out will be decided on a case-by-case basis and depends on the development of the insured risk (costs incurred or medical bills submitted). You will be informed in writing of the decision on your application for extension and, if necessary, you will receive a new confirmation of insurance coverage. Please use your Customer portal / Online Service Portal for policy extensions. 

You must apply for insurance coverage before you leave the country or within one year of entering the country. If entry is more than 31 days prior to the start of the coverage, a waiting period of 31 days is stipulated, during which the insurance coverage is limited to accidents that have occurred. The waiting period does not apply if you can provide proof of prior insurance coverage immediately before the commencement of coverage. 

In the event of changes to address or your bank details, it is recommended to submit the updated information promptly via the Customer Portal or the Online Service Portal, to ensure that contact remains possible in case of any queries. Notification is also necessary if citizenship or permanent residency is acquired in the destination country or if the residency permit there is lost. 

For a detailed comparison, please visit the following link: 

https://www.healthinsurancegermany.com/health-insurance-language-student.html
On that page, go to the top menu and click on “Description”. There, you will find an overview table titled: 

“Care College Basic / Comfort / Premium – All benefits at a glance.” 

The longer the duration of insurance coverage, the greater the statistical risk of an insured event occurring. For this reason, a lower premium rate can be offered for short-term stays, while longer coverage periods are associated with adjusted (higher) premium rates. 

Insurance coverage documents can be downloaded from your customer portal, which include important details for the attending physician. It is recommended to present one of these documents during the visit. The doctor may send the invoice directly to the insurance provider. However, since no direct contractual relationship exists between the physician and the insurer, it is also possible that the invoice will be send directly to the insured person. 

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

To process a claim, a disease designation (diagnosis) is always required. In most cases, this is already noted on the doctor’s invoice. However, X-ray or laboratory invoices often do not include a diagnosis. In such cases, the invoice from the attending physician who requested the examination is also required. 

Relevant documents, such as doctor’s invoices or pharmacy receipts, as well as additional requested information for reimbursement (e.g. a completed self-disclosure form or proof of entry into the country), can be uploaded quickly and securely via your Customer Portal or the online service portal. Alternatively, documents can be scanned and submitted using the InvoiceApp via smartphone or tablet. 

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

No! You will not be informed if the costs are directly reimbursed to the doctor. 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 

Medication must be prescribed by a licensed physician. Payment is made directly at the pharmacy. The pharmacy should note the purchase price on the prescription and stamp the disbursement section. The prescription should only be submitted together with the invoice from the treating physician, as claim processing is not possible without both documents. If bank details have not yet been provided, they should be submitted at the same time. 

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

Upon admission to the hospital, it is important to state that insurance coverage exists and to present the insurance card, which can be downloaded from Your Customer Service Portal. Typically, only the costs of the standard care class are covered (comparable to the benefits provided by statutory health insurance in Germany). The hospital usually submits a request for cost coverage. Further coordination is then handled directly between the hospital and the insurer. 

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

Costs for pain-relieving dental treatments, including simple fillings, are reimbursable. If the expected costs exceed EUR 250, a treatment plan and cost estimate must be submitted in advance for review. In the Care Au Pair insurance plan, this threshold is EUR 500 under the M rate and EUR 1,000 under the XL rate. Under the Care Economy plan, a maximum of EUR 300 is reimbursed (including repairs to existing dental prostheses) for contract periods up to 180 days, and a maximum of EUR 600 for contract periods exceeding 180 days. A treatment plan and cost estimate is not required for this plan.  

The submission of a treatment plan and cost estimate is not required in plan Care College. In your customer portal, you can download information on insurance coverage, in which you will find more detailed information. Please take one with you to your dentist. 

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

Some plans also provide 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. In your customer portal, you can download information on insurance coverage, in which you will find more detailed information. Please take one with you to your dentist. 

If in doubt, please submit a treatment plan and cost estimate before you go for dental treatment. A written notification will be provided regarding the benefits to which you are entitled. 

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

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 

The benefits vary significantly depending on the insurance plan selected. Under certain plans or rates, costs for visual aids (including contact lenses) may be reimbursed up to specific limits after a defined contract period. A medical prescription stating the visual aid is required as a prerequisite. Reimbursement for sunglasses is generally excluded. 

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

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 

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 

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 

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 

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 

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

• In the Care College Basic plan: 120,– EUR deductible / insurance year 

• in the Care Economy plan: EUR 25 

• in the Care Expatriate plan you can choose between three different deductible rates. 

• in the Care Global Basic plan: EUR 50 

• in the Care Au Pair S plan: EUR 35 

• in the Care Au Pair SI plan: EUR 50 

• In the Care Student plan: 300,– EUR deductible / insurance year 

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, Care Student