The geographic scope of the Care Cash plan also covers so-called “crisis regions,” but with the following limitation: the insurance provider is under no obligation to provide coverage for any illnesses and their consequences, and for the consequences of accidents or deaths, which are directly or indirectly caused by events of war or civil war, riot, civil uprisings and unrest, terrorism or other hostilities, even without a declaration of war. However, insurance coverage exists if the insured person is unexpectedly affected by one of these events during his/her stay abroad. This insurance coverage shall expire seven days after the Federal Foreign Office has issued a travel warning for the territory of the state in which the insured person is staying (war region). |
The contract ends:
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What is covered under the are Cash plan? |
A daily sickness allowance is paid at the agreed upon level, up to a maximum of 90% of the average net salary, converted to the calendar day, of the last 12 months of insured activity with the same employer. Special payments are not taken into account when calculating the daily sickness benefit. The daily sickness allowance is limited to a maximum of EUR 300 per calendar day. |
Yes, the obligation to pay benefits begins at the end of the waiting period on the first day of the incapacity to work plus the agreed upon deferment period. A deferment period of 42.91 or 183 days can be agreed. |
Yes, the waiting period is 31 days, beginning from the commencement of coverage. It does not apply:
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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.