Your reliable
     health insurance partner abroad
General questions
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Care College Basic/Care College Comfort/Care College Premium.
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 Care Au-Pair
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 Care Economy
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When does my international health insurance coverage start?

Your coverage officially begins once we receive the properly completed application form along with your payment (i.e. receipt of payment required). We therefore recommend payment by direct debit, i.e. we debit the payments due directly from your account.

When will I receive my confirmation of coverage by regular mail?

You will not receive the insurance policy by mail. You can download your insurance policy at any time in our My Care Concept customer portal.

Do you also insure Germans in Germany?

As we have specialised in health insurance for travel abroad, we cannot insure Germans in Germany on a permanent basis. Depending on the plan selected, however, short-term stays in the home country are also insured, e.g. in Care College.

How can I terminate my insurance coverage? How far in advance does one have to give notice?

How can I terminate my insurance coverage? How far in advance does one have to give notice? 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 our My Care Concept Customer service portal or Online Service-Portal and must include appropriate proof (e.g. a copy of the flight ticket, confirmation of public health insurance coverage 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 our My Care Concept Customer service portal or Service Portal for policy terminations:
My Care Concept Customer service portal / Online Service-Portal.

Are premiums refunded in the event of termination?

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

How can I extend my policy?

An extension must be requested in writing (My Care Concept Customer service portal, e-mail, fax, regular mail) 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 our My Care Concept Customer service portal / online Service Portal for policy extensions.

What happens if I entered the country more than 31 days ago?

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 us with proof of prior insurance coverage immediately before the commencement of coverage.

Do I have to inform you if I have moved or other contact details have changed?

If your address or bank details have changed, you should inform us immediately via our My Care Concept Customer service portal or online Service Portal so that we can contact you in the event of any queries. Please also inform us if you become a citizen or permanent resident of the country of destination or if you should lose your residency permit in that country.

Care College Basic / Care College Comfort / Care College Premium


What are the main differences between Care College Basic, Care College Comfort and Care College Premium?
Care College Basic/-Comfort/-Premium -
All benefits at a glance*
Health insurance
Benefits* Care College Basic Care College Comfort Care College Premium
Basic: online application Comfort: online application Premium: online application
outpatient treatment by a doctor Basic: Ja Comfort: Ja Premium: Ja
prescription medications and ambulance services Basic: Ja Comfort: Ja Premium: Ja
inpatient treatment in the hospital Basic: Ja Comfort: Ja Premium: Ja
analgesic dental treatment Basic: Ja up to EUR 500.00/ policy year Comfort: Ja up to EUR 750.00/ policy year Premium: Jaup to EUR 1,250.00/ policy year
cost for dental prosthesis (within 2 years of insurance term, qualifying period:8 months) Basic: - Comfort: Ja50 % up to EUR 500.00 Premium: Ja70 % up to EUR 1,000.00
accident-related dental prosthesis Basic: - Comfort: Ja up to EUR 1,000.00 Premium: Ja up to EUR 2,500.00
prescription accident-related medical aids (basic version) Basic: Jaup to EUR 250.00/ policy year Comfort: Ja up to EUR 500.00/ policy year Premium: Ja 100 %
medication Basic: Jaup to EUR 250.00/ policy year Comfort: Jaup to EUR 500.00/ policy year Premium: Jaup to EUR 1,500.00/ policy year
visual aids (up to EUR 100.00, 3 months qualifying period) Basic: - Comfort: - Premium: Ja
additional costs for medically advisable repatriation Basic: Jaup to EUR 10,000.00 Comfort: Ja100 % Premium: Ja100%
deductible/policy year Basic: JaEUR 120.00 Comfort: no deductible Premium: no deductible
costs for treatment acc. GOÄ/GOZ in Germany Basic: Jaup to 1.8 times the basic rate in the fee schedule Comfort: Jaup to 2.3 times the basic rate in the fee schedule Premium: Jaup to 2.3 times the basic rate in the fee schedule
world-wide emergency services Basic: Ja Comfort: Ja Premium: Ja
extended liability period Basic: Ja4 weeks Comfort: Ja4 weeks Premium: Ja8 weeks
repatriation/burial costs in event of death of the insured person Basic: Jaup to EUR 25,000.00 Comfort: Jaup to EUR 25,000.00 Premium: Jaup to EUR 25,000.00
worldwide scope of coverage (excl. USA, Canada, Mexico) Basic: Ja Comfort: Ja Premium: Ja
insurance coverage in home country (depending on the insurance period) Basic: Ja Comfort: Ja Premium: Ja
treatment of mental illnesses (also inpatient) with the exception of psychoanalysis and psychotherapy Basic: Ja Comfort: Ja Premium: Ja
insurance card Basic: Jadigital Comfort: Jadigital Premium: Jadigital
refund if no claims in one policy year Basic: - Comfort: Ja2 months' premium Premium: Ja2 months' premium
sick pay in event of a severe illness/disease upon request: Basic: - Comfort: JaEUR 1,500.00/ policy year Premium: JaEUR 2,500.00/ policy year
costs for transport for a visiting family member in case of inpatient treatment at a hospital for more than 14 days Basic: - Comfort: Ja EUR 500.00 Premium: Ja EUR 1,250.00
daily hospital allowance (all in EUR 100.00 for hospital stays exceeding 14 days) Basic: - Comfort: - Premium: Ja

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

Premium overview Care College
Product Care College Basic Care College Comfort Care College Premium
1. - 24.
Month /
up to 29 years of age
Basic:
1. - 24.Month / up to 29 years of age
24.50 EUR
Comfort:
1. - 24.Month / up to 29 years of age
32.00 EUR
Premium:
1. - 24.Month / up to 29 years of age
48.00 EUR
1. - 24.
Month /
30 years +
Basic:
1. - 24.Month / 30 years +
30.00 EUR
Comfort:
1. - 24.Month / 30 years +
48.00 EUR
Premium:
1. - 24.Month / 30 years +

75.00 EUR
Starting
month 25 /
up to 29 years of age
Basic:
Starting
month 25 / up to 29 years of age
49.50 EUR
Comfort:
Starting
month 25 / up to 29 years of age
57.00 EUR
Premium:
Starting
month 25 / up to 29 years of age

73.00 EUR
Starting
month 25 /
30 years +
Basic:
Starting
month 25 / 30 years +

55.00 EUR
Comfort:
Starting
month 25 / 30 years +

73.00 EUR
Premium:
Starting
month 25 / 30 years +

99.00 EUR
Why does the premium rate in the College Basic/Comfort/Premium plans increase after 24 months?

The longer someone is insured, the higher the risk of an insured event occurring for the insurer. Therefore we can offer a lower premium rate for short term stays.

Au-Pair insurance "Care Au-Pair"

What needs to be done in the case of a change in the au pair situation?

It is not uncommon for an au pair to change families during their stay abroad or for the host family to change au pairs.

In these cases the contract of the previous host parents has to be terminated and the new host family has to sign a follow-up or new contract.

Health insurance for foreign guests | Care Economy

How can I extend the contract?

Within the maximum duration of coverage of 730 days you can extend your insurance policy. The application for extension must be submitted via our My Care Concept Customer service portal or online Service Portal before the original insurance policy expires.

Your application for extension may also be rejected by us. We therefore advise you to take out coverage for the entire duration of your stay from the outset.

What is the premium rate for the extension period?

In the case of an extension, the entire period of coverage is the basis upon which the premium calculation is made. The payment already made for the original period of coverage will be credited, e.g:


Example: one-time payment
Age of the insured person: up to 64 years old
Originally requested duration of coverage:  90 days Premium
(90 x 1.00 EUR): 90.00 EUR
Extension by  90 days Premium for the extension period
(90 x 1.35 EUR): 121.50 EUR
Premium for the entire period of coverage: 211.50 EUR
Example: one-time payment

Age of the insured person:
up to 64 years old

Originally requested duration of coverage:: 90 days

Premium
(90 x 1.00 EUR): 90.00 EUR

Extension by 90 days

Premium for the extension period:
(90 x 1.35 EUR): 121.50 EUR

Premium for the entire period of coverage:
211.50 EUR


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Care Concept AG
Your partner for health insurance abroad

 
+492289773544