Description Care Cash plan for daily sickness allowance | |
Download description Care Cash plan for daily sickness allowance |
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This plan is based on Care Expatriate Basic with the following additional benefits:
This plan includes a general deductible of EUR 150.00 or EUR 500.00 per policy year. For a complete list of benefits please see the General Terms and Conditions of Insurance (AVB) as well as the policy terms and conditions. |
The plan is based on Care Expatriate Comfort with the following additional benefits:
This plan includes a general deductible of EUR 500.00 or EUR 1,000.00 per policy year. Policies without deductibles are also available. For a complete list of benefits please see the General Terms and Conditions of Insurance (AVB) as well as the policy terms and conditions. |
Insurable persons:
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Insurance coverage applies to treatment in foreign countries worldwide. All countries worldwide are considered foreign except those states of which the insured person is a citizen and/or in which the insured person held permanent residency before the commencement of his/her travels. |
For a temporary return to the home country by the insured person, the insurer will provide insurance coverage after being notified of the return to the home country. Depending on the rate selected, the overall duration shall be 30 days (Basic), 45 days (Comfort) or 90 days (Premium). |
The highest entry age is 74 years. |
The minimum duration of coverage is 3 months. The maximum duration for stays in the Federal Republic of Germany is 5 years. The insured person can receive coverage for travel outside Germany until reaching the age of 75 (until the 75th birthday). |
Advigon Versicherung AG |
Insurance plan | Basic | Comfort | Premium | |||
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Deductible per year (in EUR) | 150 | 150 | 500 | 0 | 500 | 1000 |
Entry age : 0-12 (EUR / Month) |
Basic (Deductible per year (in EUR): 150) : 64 | Comfort (Deductible per year (in EUR): 150) : 104 | Comfort (Deductible per year (in EUR): 500) : 81 | Premium (Deductible per year (in EUR): 0) : 191 | Premium (Deductible per year (in EUR): 500) : 149 | Premium (Deductible per year (in EUR): 1000) : 117 |
Entry age : 13-40 (EUR / Month) |
Basic (Deductible per year (in EUR): 150) : 58 | Comfort (Deductible per year (in EUR): 150) : 84 | Comfort (Deductible per year (in EUR): 500) : 63 | Premium (Deductible per year (in EUR): 0) : 181 | Premium (Deductible per year (in EUR): 500) : 141 | Premium (Deductible per year (in EUR): 1000) : 109 |
Entry age : 41-60 (EUR / Month) |
Basic (Deductible per year (in EUR): 150) : 68 | Comfort (Deductible per year (in EUR): 150) : 103 | Comfort (Deductible per year (in EUR): 500) : 77 | Premium (Deductible per year (in EUR): 0) : 256 | Premium (Deductible per year (in EUR): 500) : 201 | Premium (Deductible per year (in EUR): 1000) : 156 |
Entry age : 61-74 (EUR / Month) |
Basic (Deductible per year (in EUR): 150) : 246 | Comfort (Deductible per year (in EUR): 150) : 322 | Comfort (Deductible per year (in EUR): 500) : 248 | Premium (Deductible per year (in EUR): 0) : 432 | Premium (Deductible per year (in EUR): 500) : 336 | Premium (Deductible per year (in EUR): 1000) : 263 |
Insurance plan | Basic | Comfort | Premium | |||
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Deductible per year (in EUR) | 150 | 150 | 500 | 0 | 500 | 1000 |
Entry age : 0-12 (EUR / Month) |
Basic (Deductible per year (in EUR): 150) : 175 | Comfort (Deductible per year (in EUR): 150) : 280 | Comfort (Deductible per year (in EUR): 500) : 220 | Premium (Deductible per year (in EUR): 0) : 495 | Premium (Deductible per year (in EUR): 500) : 385 | Premium (Deductible per year (in EUR): 1000) : 300 |
Entry age : 13-40 (EUR / Month) |
Basic (Deductible per year (in EUR): 150) : 145 | Comfort (Deductible per year (in EUR): 150) : 225 | Comfort (Deductible per year (in EUR): 500) : 170 | Premium (Deductible per year (in EUR): 0) : 465 | Premium (Deductible per year (in EUR): 500) : 363 | Premium (Deductible per year (in EUR): 1000) : 285 |
Entry age: 41-60 (EUR / Month) |
Basic (Deductible per year (in EUR): 150) : 195 | Comfort (Deductible per year (in EUR): 150) : 265 | Comfort (Deductible per year (in EUR): 500) : 210 | Premium (Deductible per year (in EUR): 0) : 660 | Premium (Deductible per year (in EUR): 500) : 515 | Premium (Deductible per year (in EUR): 1000) : 405 |
Entry age : 61-74 (EUR / Month) |
Basic (Deductible per year (in EUR): 150) : 710 | Comfort (Deductible per year (in EUR): 150) : 920 | Comfort (Deductible per year (in EUR): 500) : 725 | Premium (Deductible per year (in EUR): 0) : 1175 | Premium (Deductible per year (in EUR): 500) : 965 | Premium (Deductible per year (in EUR): 1000) : 750 |
Business travelers abroad – on assignment or self-employed - may be unable to carry out their duties for a long period of time due to a sudden illness or accident and may suffer severe financial losses as a result. While this is regulated by law in Germany for persons subject to social security contributions (continued payment of wages in the event of illness), all other employed persons must make their own provisions for this case. |
Insurable persons are travelers who intend to stay abroad temporarily for more than 3 continuous months. A policy must commence prior to the insured person reaching the age of 67 (prior tot he 67th birthday). In order to take out Care Cash coverage, one has to already have a Care Expatriate policy. |
The insurance coverage provides payment of a daily sickness benefit as a result of an inability to work established in the course of medically necessary treatment abroad. Incapacity to work exists if the insured person is temporarily unable to carry out his/her profession in any way whatsoever according to medical findings, does not carry out their occupation and does not pursue any other gainful employment. Not covered by the policy are countries of which the insured person is a citizen and/or which were the permanent place of residency of the person prior to commencement of his/her travels. |
Advigon Versicherung AG |
The minimum duration of coverage is 3 months. The maximum period of coverage for stays in Germany is 5 years, including all policy extensions. |
The obligation to pay benefits begins on the first day of the incapacity to work. Payment of the daily allowance begins after the end of the period during which no benefits are due (waiting period). The waiting period is either 42, 91 or 183 days, depending on the contractual provisions. The maximum benefit period is 78 weeks, and the waiting period is credited to the maximum benefit period. The obligation to provide benefits also ends in the event of a permanent decrease in work or earning capacity, including any benefit obligation for existing insured events. The level of benefits may not exceed 90% of the average net income of the last 12 months, converted to the calendar day. |
The daily sickness allowance insurance plan, Care Cash, compensates for expenses incurred during an extended illness or injury resulting in a loss of income.
Premium overview Care Cash | |||
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Monthly premium per each EUR 5.00 daily sickness allowance |
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Deferment period in days | daily sickness allowance up to EUR 175.00 |
daily sickness allowance up to EUR 300.00 |
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Care Cash 42 | Deferment period in days 42 | daily sickness allowance up to EUR 175.000.90* |
daily sickness allowance up to EUR 300.001.10* |
Care Cash 91 | Deferment period in days 91 | daily sickness allowance up to EUR 175.000.70* |
daily sickness allowance up to EUR 300.000.90* |
Care Cash 183 | Defermant period in days183 | daily sickness allowance up to EUR 175.000.30* |
daily sickness allowance up to EUR 300.000.50* |
*Monthly premium from the first EUR per each EUR 5.00 of daily sickness allowance
Example: monthly premium according to daily sickness allowance selected | |||||||||
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selected daily sickness allowance (EUR): | 20 | 50 | 150 | 170 | 175 | 180 | 200 | 250 | 300 |
Monthly premium in EUR: 42-day deferment period |
selected daily sickness allowance 20 EUR: 3.60 EUR/Month | selected daily sickness allowance 50 EUR: 9.00 EUR/Month | selected daily sickness allowance 150 EUR: 27.00 EUR/Month | selected daily sickness allowance 170 EUR: 30.60 EUR/Month | selected daily sickness allowance 175 EUR: 31.50 EUR/Month | selected daily sickness allowance 180 EUR: 39.60 EUR/Month | selected daily sickness allowance 200 EUR: 44.00 EUR/Month | selected daily sickness allowance 250 EUR: 55.00 EUR/Month | selected daily sickness allowance 300 EUR: 66.00 EUR/Month |
Monthly premium in EUR: 91-day deferment period |
selected daily sickness allowance 20 EUR: 2.80 EUR/Month | selected daily sickness allowance 50 EUR: 7.00 EUR/Month | selected daily sickness allowance 150 EUR: 21.00 EUR/Month | selected daily sickness allowance 170 EUR: 23.80 EUR/Month | selected daily sickness allowance 175 EUR: 24.50 EUR/Month | selected daily sickness allowance 180 EUR: 32.40 EUR/Month | selected daily sickness allowance 200 EUR: 36.00 EUR/Month | selected daily sickness allowance 250 EUR: 45.00 EUR/Month | selected daily sickness allowance 300 EUR: 54.00 EUR/Month |
Monthly premium in EUR: 183-day deferment period |
selected daily sickness allowance 20 EUR: 1.20 EUR/Month | selected daily sickness allowance 50 EUR: 3.00 EUR/Month | selected daily sickness allowance 150 EUR: 9.00 EUR/Month | selected daily sickness allowance 170 EUR: 10.20 EUR/Month | selected daily sickness allowance 175 EUR: 10.50 EUR/Month | selected daily sickness allowance 180 EUR: 18.00 EUR/Month | selected daily sickness allowance 200 EUR: 20.00 EUR/Month | selected daily sickness allowance 250 EUR: 25.00 EUR/Month | selected daily sickness allowance 300 EUR: 30.00 EUR/Month |
Example 1:
You choose a deferment period of 42 days and a daily sickness allowance of EUR 50.00/day. To calculate the monthly premium rate, you have to divide the selected daily sickness allowance by 5 and multiply this number by EUR 0.90 : The monthly premium is: EUR 9.00.
Calculation:
50 : 5=10
10 x 0.90=9
Example 2:
You choose a deferment period of 42 days and a daily sickness allowance of EUR 200.00/day. To calculate the monthly premium rate, you have to divide the selected daily sickness allowance by 5 and multiply this number by EUR 1.10 : The monthly premium is: EUR 44.00.
Calculation:
200 : 5=40
40 x 1.10=44
Take out your Care Expatriate coverage online here: online application. |
Legal note: The information contained in this publication does not constitute the basis of any contract, but rather serves solely as to provide a product overview/description. Only the General Terms and Conditions of Insurance and the policy terms and conditions, upon which your contract is based, are legally binding.
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Please note that the English translation is offered as a service for convenience only. The legally binding version is the German version.