您在国外值得信赖的医疗保险伙伴



Care Economy - 外国籍客人境外医疗险

Care Economy -
外国籍客人境外医疗险

Care Economy

常见问题 FAQ



FAQ for the health insurance abroad Care Economy
Bild 1 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 2 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 2a zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 3 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
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Bild 6 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
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Bild 91 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 11 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 12 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 13 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 14 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 16 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 17 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU
Bild 18 zur Auslandskrankenversicherung für Ausländer in Deutschland und der EU

You will find a detailed list of benefits in the General Terms and Conditions of Insurance [GTI].

外国籍客人境外医疗险 Bild 4 外国籍客人境外医疗险 Bild 6 外国籍客人境外医疗险 Bild 3 外国籍客人境外医疗险 Bild 4
Who can take out an insurance for the health insurance for foreign travel Care Economy?

The insurance plan "Care Economy" is available for foreign nationals up to the age of 75 (75th birthday) who are temporarily staying in the member states of the European Union and the Schengen states, including Switzerland and Liechtenstein, for up to two years.

For how long can one be insured with Care Economy?

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


What does the insurance cost?
保险价格 医疗保险 Care Economy
险保费 (一次性) 医疗保险
保期至……(多少)天 64周岁以内
不含免赔额
64周岁以内
有免赔额
65到74周岁
不含免赔额
65到74周岁
有免赔额
保期至……(多少)天:90 64周岁以内 不含免赔额: 1,18 EUR / 日 64周岁以内 有免赔额: 1,00 EUR / 日 65到74周岁 不含免赔额: 3,48 EUR / 日 65到74周岁 有免赔额: 2,95 EUR / 日
保期至……(多少)天:91 - 180 64周岁以内 不含免赔额: 1,59 EUR / 日 64周岁以内 有免赔额: 1,35 EUR / 日 65到74周岁 不含免赔额: 4,37 EUR / 日 65到74周岁 有免赔额 3,70 EUR / 日
保期至……(多少)天:181 - 365 64周岁以内 不含免赔额: 2,30 EUR / 日 64周岁以内 有免赔额: 1,95 EUR / 日 65到74周岁 不含免赔额: 5,84 EUR / 日 65到74周岁 有免赔额: 4,95 EUR / 日
保期至……(多少)天:366 - 730 64周岁以内 不含免赔额: 2,83 EUR / 日 64周岁以内 有免赔额: 2,40 EUR / 日 65到74周岁 不含免赔额: 9,32 EUR / 日 65到74周岁 有免赔额: 7,90 EUR / 日
每人每保险期最低保险费: 10,00 EUR
 
月付费方式只适用于医疗保险和保期长于180天的情况。
医疗保险月保险费
保期至……(多少)天 64周岁以内
不含免赔额
64周岁以内
有免赔额
65到74周岁
不含免赔额
65到74周岁
有免赔额
保期至……(多少)天:180 - 365 64周岁以内 不含免赔额: 59,00 EUR / 月 64周岁以内 有免赔额: 50,00 EUR / 月 65到74周岁 不含免赔额: 149,00 EUR / 月 65到74周岁 有免赔额: 126,00 EUR / 月
保期至……(多少)天:366 - 730 64周岁以内 不含免赔额: 89,00 EUR / 月 64周岁以内 有免赔额: 75,00 EUR / 月 65到74周岁 不含免赔额: 286,00 EUR / 月 65到74周岁 有免赔额: 242,00 EUR / 月
包括所有延长在内,最长保险期限为2年-如延长保险,需以总保险期的保险费为准,原保险段和新延长后保险段之间的保险费差额需要补付.如果选择的是月付款方式,延长保险期后,付款方式仍然为月付款方式
Will the policy be extended automatically?

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

What must be considered when extending a policy?

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).
How, and in which cases, is it possible to terminate the policy?

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.

如在网上申请保险,如何得到保险证明书?

在您填写了网上申请表并发出后,我们会审核您的条件是否符合保险要求,如条件符合,在稍后较短时间里您就会在你提供的信箱里收到确认邮件。这封邮件包含以下PDF文件,可供打印。

  • 保险凭证
  • 看病联单
  • 保险条例,包括用户信息,个人隐私保护法和保险法摘要。

如您自己汇款付费,还会收到账单。
如您没有通过条件审核,我们也会在两个工作日内通知您。

Is it possible to pay the premiums via bank transfer instead of having them debited directly?

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

Can I pay the premiums monthly instead of all at once?

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.

Does Care Economy protect against liability claims for damages from a third party?

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


责任保险可以保护你免受第三方的损害索赔。
意外保险保护你在事故发生后因残疾或死亡而导致的工作业绩下降的经济后果。

除了医疗保险以外,我们还分别为您提供私人第三人责任保险或私人第三责任保险加意外事故险。详细内容如下:

私人第三人责任保险 型 S 型 M 型 XL
人身伤亡,财产损失最高给付金额 型 S: EUR 1 Mio. 型 M: EUR 2 Mio. 型 XL: EUR 2.5 Mio.
遣送费最高给付金额 型 S: EUR 1,000 型 M: EUR 2,000 型 XL: EUR 3,000
不慎损坏所租赁的房屋内的非移动设施(每次事故自己承担费用10% 至少承担费用250€) 型 S: EUR 10,000 型 M: EUR 25,000 型 XL: EUR 50,000
丢失私人住宅钥匙(比如房间,公寓的钥匙。每次事故自己承担费用10 % 至少承担费用100€) 型 S: - 型 M: - 型 XL: EUR 1,000
职业责任保险 型 S: - 型 M: - 型 XL: 最多25.000€
损害赔偿落空险 型 S: - 型 M: - 型 XL: 最多10.000€
国保险
(从一年的任期开始)
型 S: - 型 M: - 型 XL: 6 周
每项事故自己承担费用 型 S: EUR 250 型 M: EUR 0 型 XL: EUR 0
 
意外事故保险 型 S 型 M 型 XL
伤残金额 型 S: - 型 M: EUR 30,000 型 XL: EUR 40,000
伤残金额最高累进率 350% 型 S: - 型 M: EUR 105,000 型 XL: EUR 140,000
因意外事故导致被保人死亡 型 S: - 型 M: EUR 15,000 型 XL: EUR 25,000
施救费(意外事故发生后) 型 S: - 型 M: EUR 7,500 型 XL: EUR 10,000
以意外事故为前提的美容措施 型 S: - 型 M: EUR 2,500 型 XL: EUR 5,000
月保费* 型 S: EUR 2 型 M: EUR 4 型 XL: EUR 7.50
* 附加险保费要一次性付清. 保险只有在保险公司收到全部保费后才生效.
保险只有在保险公司收到全部保费后才生效 意外事故/第三人责任险的保险条例.
Are hospital stays and treatment by specialist physicians insured?

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.

What is not covered?

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.

What happens when the guest holds no visa?

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.

Can one take out Care Economy insurance as subsequent coverage following another insurance policy?

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

Can I apply for a social security number from you?

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.

Wieviele Tage soll ich in meinem Antrag als 'Versicherungsdauer' eintragen, wenn ich noch nicht genau weiß, wie lange der Aufenthalt in Deutschland dauern wird?

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.

Will I receive proof of my health insurance coverage for presentation to the Immigration Office?

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.

重要提示 这里提供的信息不是合同组成部分, 仅仅是产品简介。 法律依据是保险普遍条款和各产品附加条款。

外国籍客人境外医疗险 Bild 5 外国籍客人境外医疗险 Bild 1 外国籍客人境外医疗险 Bild 2 外国籍客人境外医疗险 Bild 7

中文译文仅供参考,法律依据以德文原文为准.


Care Economy

保险类型: 为持有申根签证的外国客人提供健康保险



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Care Concept AG
您在国外值得信赖的医疗保险伙伴

 

Care Economy x

保险类型: 外国籍客人境外医疗险

适合保险的人: 为在欧盟境内持有申根签证的外国客人提供的医疗保险

入保年龄: 0-74 年

保险期限: 1 日 - 2 年


Care Economy

保障范围*

  • 符合申根签证要求
  • 急诊,住院和急行牙痛治疗
  • 医生安排回国治疗所需的交通费. 最高给付金额
  • 医生安排的通往就近医院的往返交通费
*详细保险范围请参阅本册中保险条例 (AVB).