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CARE CONCEPT INSURANCE

Why does the foreign guest need insurance?
Many foreign citizens who spend time in Germany, in the EU, Switzerland or Liechtenstein often have no or inadequate insurance cover. Unfortunately, illnesses and accidents cannot been tirely avoided and can incur substantial financial sacrifices.

Regardless whether you are travelling privately or on business, the foreign travel insurance policy of Care Economy will cover the costs of any required medical treatment.

Summary of benefits
We refund documented costs in case of illness or accident in Germany and all EU Countries for

  • Out-patient treatment by a doctor Additional cost for medically appropriate return up to EUR 10,000.00
  • In-patient hospital treatment (general class –multiple bedrooms – no coverage options) including subsequent treatment
  • Transport to the nearest hospital and back
  • Pain-deadening dental treatment including simple fillings and repair of existing dental prostheses, max. EUR 300.00 per stay up to 180 days, over 180 days max. EUR 600.00.
  • Additional cost for medically appropriate return up to EUR 10.000,–
  • Transport in case of death of an insured person/burial costs up to EUR 25.000,–

minus EUR 25.00 deductible per insured event

Important notes
  • Insurance ends with completion of the 76rd year of life.
  • The insurance policy proves the insurance cover you applied for. In addition, you will receive an insurance confirmation and treatment certificates after processing your application.
  • Renewal of the current insurance is possible. If the insured person is going to stay any longer than applied for, the original period of insurance cover can only be extended if the application is received by Care Concept® AG in written form (e-mail, fax, mail) before the original contract expires and the insurer expressly agrees to this. In this case the insurance policy only covers events occuring after the application to extend the policy was made.
  • In case of extension of the insurance cover there has to be paid the differing amount of premium between the original, formerly selected period of insurance cover and the new one.
  • The max insurance period – including all renewals – is two years.
What is not insured – exclusion from coverage
The insurer is not liable to perform in cases

  • of illnesses, complaints and consequences of accidents that already exist, or are known, on commencement of cover or renewal and
  • the consequences of such illnesses and accidents that have been treated within the last six months before commencement of cover or renewal.

You will find a detailed description of benefits in the insurance conditions. In addition to general policy terms, only the German version of this tariff is legally obligatory.

 

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