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Care Expatriate - Health insurance abroad for expatriates

Care Expatriate - Health insurance abroad for expatriates

Auslandskrankenversicherung

Description


Health insurance Care Expatriate
Designelement 1 zur Auslandskrankenversicherung
Designelement 2 zur Auslandskrankenversicherung
Designelement 2 zur Auslandskrankenversicherung
Designelement 2 zur Auslandskrankenversicherung
Designelement 2 zur Auslandskrankenversicherung
Designelement 2 zur Auslandskrankenversicherung
Designelement 2 zur Auslandskrankenversicherung
Additional insurance Care Cash for daily sickness allowance
Designelement 2 zur 疾病津贴险
Designelement 2 zur 疾病津贴险
Health insurance abroad for expatriates Bild 4 Health insurance abroad for expatriates Bild 6 Health insurance abroad for expatriates Bild 3 Health insurance abroad for expatriates Bild 6

Plan description

Plan description Care Expatriate Basic

Summary of benefits:

  • outpatient medical treatment deemed medically necessary and rendered by a physician at 100 %
  • prescription medications and dressings at 100 %
  • pregnancy check-ups, as long as the insured is not pregnant upon commencement of coverage
  • inpatient medical treatment in the hospital, shared room (standard care class), no optional services covered (no private medical treatment)
  • ambulance service required for inpatient medical treatment to/from the nearest appropriate hospital
  • medically necessary dental treatments including fillings as well as annual check-ups and tooth cleanings - 100% of costs covered up to EUR 600.00 per policy year
  • dental prosthesis required following an accident including the cost of repairs - 80% of costs covered to max. EUR 1,000.00 per accident and policy year commenced
  • additional costs for repatriation due to medical reasons
  • repatriation/burial costs in event of death of the insured person up to EUR 25,000.00
  • remedies and treatment, such as massages and physiotherapy up to a total of EUR 250.00 per policy year
  • psychoanalytic and psychotherapeutic treatment up to EUR 500.00 per policy year (up to EUR 100.00 per session)
  • medical aids due to an accident up to max. EUR 500.00 per policy year
  • up to 30 days coverage per policy year in home country. Care Concept AG requires prior written notification of the home country stay. Care Concept AG requires prior written notification of the home country stay.
  • daily hospital allowance, all in EUR 100.00 for each stay exceeding 14 days
  • if need be, pre-existing conditions can be insured with a deductible of EUR 5,000.00 for every insured person and policy year started.

This plan includes a general deductible of EUR 150.00 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.

Plan description Care Expatriate Comfort
This plan is based on Care Expatriate Basic with the following additional benefits:
  • medically necessary dental treatments including fillings as well as annual check-ups and tooth cleanings – at 100 % of reimbursable invoice amount
  • dental prosthesis necessary following an accident including the cost of repairs, up to 80% of invoice amount up to max. EUR 2,000.00 per accident and policy year commenced
  • treatment and remedies, such as massages and physiotherapy up to a total of EUR 500.00 per policy year
  • psychoanalytical and psychotherapeutic treatments up to EUR 1,000.00 per policy year (up to EUR 100.00 per session)
  • medical aids prescribed by a physician, max. EUR 500.00 per policy year
  • wheelchairs, hearing and speech aids prescribed by a doctor, max. EUR 1,000.00 per policy year
  • dental prosthesis deemed medically necessary, including repair costs (at 60% the invoice amount). The reimbursement is limited to a maximum of:
    • EUR 500.00 in 1st policy year,
    • EUR 1,000.00 in 2nd policy year,
    • EUR 1,500.00 in 3rd policy year,
    • EUR 2,500.00 for every policy year thereafter.
    In cases where a treatment plan and cost estimate are not submitted prior to treatment, only 50% of the maximum reimbursable treatment costs shall be paid out when the medical necessity of the treatment has been demonstrated.
  • screening examinations aimed at early detection of disease, esp. screenings for children, max. EUR 250.00 per policy year
  • vision aids prescribed by a physician, max. EUR 100.00 per policy year
  • up to 45 days coverage per policy year in home country. Care Concept AG requires prior written notification of the home country stay. Care Concept AG requires prior written notification of the home country stay.
  • if need be, pre-existing conditions can be insured with a deductible of EUR 5,000.00 for every insured person and policy year. One can apply for the deductible to be waived by providing more detailed health information.
  • daily hospital allowance of EUR 20.00 for each full inpatient day up to 20 days per policy year
  • repatriation/burial costs in event of death of the insured person up to EUR 25,000.00
  • upon request: costs for transport for a visiting family member in case of inpatient treatment at a hospital for more than 14 days: up to 500 EUR

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.

Plan description Care Expatriate Premium
The plan is based on Care Expatriate Comfort with the following additional benefits:
  • inpatient medical treatment, shared room (standard care class), no optional services. In cases where the policy applies outside of Germany, accommodation in a single room/shared two-person room is included
  • dental prosthesis required following an accident, including the cost of repairs, at 100% the invoice amount up to max. EUR 3,000.00 per accident and policy year started
  • treatment and remedies, such as massages and physiotherapy up to a total of EUR 1,500.00 per policy year
  • repatriation/burial costs in event of death of the insured person up to EUR 25,000.00
  • psychoanalytical and psychotherapeutic treatment up to EUR 1,500.00 per policy year (up to EUR 150.00 per session)
  • medical aids prescribed by a physician, max. EUR 2,500.00 per policy year
  • dental prosthesis deemed medically necessary, including repair costs (at 80% the invoice amount). The reimbursement is limited to a maximum of:
    • EUR 750.00 in 1st policy year,
    • EUR 1,500.00 in 2nd policy year,
    • EUR 2,500.00 in 3rd policy year,
    • EUR 4,000.00 for every year thereafter.
    In cases where a treatment plan and cost estimate are not submitted prior to treatment, only 50% of the maximum reimbursable treatment costs shall be paid out when the medical necessity of the treatment has been demonstrated.
  • screening examinations aimed at early detection of disease, esp. screenings for children, max. EUR 500.00 per policy year
  • vision aids prescribed by a physician, max. EUR 300.00 per policy year
  • up to 90 days coverage per policy year in home country. Care Concept AG requires prior written notification of the home country stay.up to 90 days per year insurance cover in own country Care Concept AG requires prior written notification of the home country stay.
  • daily hospital allowance of EUR 30.00 for each full inpatient day up to 30 days per policy year
  • upon request: costs for transport for a visiting family member in case of inpatient treatment at a hospital for more than 14 days: up to 1.000 EUR

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.

Specific stipulations

 (1) Insurable persons

Insurable persons:

  • persons in any country worldwide with permanent residency in Germany, Austria, EU countries, member states of the Schengen agreement, Switzerland and Liechtenstein
  • persons with permanent residency in other countries of the world who are staying in Germany, Austria, EU countries, member states of the Schengen agreement, Switzerland and Liechtenstein
  • persons with permanent residency in Germany, Austria, EU countries, member states of the Schengen agreement, Switzerland and Liechtenstein who are staying in the above-mentioned countries
 (2) Scope of insurance coverage

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.

 (2.1) Discontinuation of the stay abroad

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).

 (3) Insurance eligibility

The highest entry age is 74 years.

 (4) Duration of coverage

The minimum duration of coverage is 6 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).

Persons taking out a 5-year policy valid outside of Germany will receive a one-time acceptance guarantee for a follow-up policy for a maximum period of a further 5 years (Care Expatriate Comfort / Care Expatriate Premium).

Auslandsversicherung Bild 10bThe insurance according to this plan ends at the end of the month in which eligibility for coverage ceases, the stay abroad is terminated (for the exception, please see B 1.1), the conditions required for a temporary stay cease, 5 years from the time of entry into Germany have elapsed or when the insured person reaches his/her 80th birthday.

When a reason for termination arises, the policyholder is obligated to inform the insurer in writing within a month.

Insurer

Address
Advigon Versicherung AG

Drescheweg 1
9490 Vaduz
Liechtenstein

Premiums

Premium overview | Care Expatriate | worldwide excluding US, CA, MX
Insurance plan Basic Comfort Premium
Deductible per year (in EUR) 150 150 500 0 500 1000

Premium overview | Care Expatriate | worldwide including US, CA, MX
Insurance plan Basic Comfort Premium
Deductible per year (in EUR) 150 150 500 0 500 1000


Download description international health insurance for travelers with long-term stays and expatriates

Auslandskrankenversicherung Care Expatriate Designelement Druck  Download description international health insurance for travelers with long-term stays and expatriates (PDF 59KB)


Care Cash daily sickness allowance insurance

General information on insurance for sickness daily allowance Care Cash

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.
For this reason, we offer a "Care Cash" per diem sickness benefit plan for business and freelance travelers or travelers on assignment up to the age of 67 as a supplement to the "Care Expatriate" plan.
"Care Cash" offers insurance coverage in the form of a daily sickness allowance against loss of earnings as a result of accidents or unexpected and acute illnesses arising abroad in the event of a medically diagnosed incapacity to work.
The duration of coverage in "Care Cash" must be identical to that of the above-mentioned health insurance plan rates. If the initial "Care Cash" policy is purchased for a period of five years, the insured person secures a guarantee of continued coverage for a further five years.
The "Care Cash" plan does not cover persons who have acquired the nationality of the host country or who have transferred their permanent residency to the host country without having a desire to return to their home country.

Insurable persons

Insurable persons are travelers who intend to stay abroad temporarily for more than 6 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.

Scope of insurance coverage

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.

Insurer

Advigon Versicherung AG

Drescheweg 1
9490 Vaduz
Liechtenstein

Duration of coverage

The minimum duration of coverage is 6 months. The maximum period of coverage for stays in Germany is 5 years, including all policy extensions.
Outside of Germany, persons can apply for any number of policy extensions during their stay abroad until reaching the age of 67. Persons taking out an initial 5-year policy valid outside of Germany will receive a one-time acceptance guarantee for a follow-up policy for a maximum period of a further 5 years.

Duration of benefits

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.

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
Monthly premium
per each EUR 5.00 sickness daily allowance
Defermant period in days sickness daily allowance
up to EUR 175.00
sickness daily allowance
up to EUR 300.00
Care Cash 42Defermant period in days42sickness daily allowance
up to EUR 175.00
0.90*
sickness daily allowance
up to EUR 300.00
1.10*
Care Cash 91Defermant period in days91sickness daily allowance
up to EUR 175.00
0.70*
sickness daily allowance
up to EUR 300.00
0.90*
Care Cash 183Defermant period in days183sickness daily allowance
up to EUR 175.00
0.30*
sickness daily allowance
up to EUR 300.00
0.50*
*Monthly premium from the first EUR per each EUR 5.00 sickness daily allowance
Example: monthly premium in acc. to chosen daily allowance
choosen sickness daily allowance (EUR): 20 50 150 170 175 180 200 250 300
Monthly premium in EUR:
42 days waiting period
Monthly premium in EUR:
91 days waiting period
Monthly premium in EUR:
183 days waiting period

Example 1:
You choose a waiting period of 42 days and a daily allowance of EUR 50.00/day. To calculate the monthly premium, you have to divide the expected daily allowance by 5 and multiplicate this number with EUR 0.90 : The monthly premium: EUR 9.00.
Calculation:
50 : 5=10
10 x 0.90=9


Example 2:
You choose a waiting period of 42 days and a daily allowance of EUR 200.00/day. To calculate the monthly premium, you have to divide the expected daily allowance by 5 and multiplicate this number with EUR 1.10 : The monthly premium: EUR 44.00.
Calculation:
200 : 5=40
40 x 1.10=44

Take out your coverage now!

Take out your Care Expatriate coverage online here: online application.

Download description Care Cash

Auslandskrankenversicherung Care Cash Designelement Download description Care Cash (PDF) (47KB)

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 binding.

Health insurance abroad for expatriates Bild 5 Health insurance abroad for expatriates Bild 1 Health insurance abroad for expatriates Bild 2 Health insurance abroad for expatriates Bild 7

Please note that the English translation is offered as a service for convenience only. The legally binding version is the German one.


Care Expatriate

Type of insurance: travel abroad insurance for expatriates and residents



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Care Concept AG
Your partner for health insurance abroad

Care Expatriate x

Type of insurance
Foreign health insurance for expatriates
Insurable persons
Emigrants, expatriates, residents, long-term trips
Entry age
0-74 Years
Premium Care Expatriate
from EUR 58 / Month
Duration
6 - 60 Months
Benefits*
  • Complies with all the requirements for a Schengen visa
  • Outpatient, inpatient and dental treatment
  • Preventive check-ups, therapy and medical aids (Comfort, Premium)
  • Up to 30 days (Basic), 45 days (Comfort), 90 days (Premium) per year insurance cover in own country
Care Expatriate • Description • Care Expatriate health insurance, Insurance abroad, insurance for expatriates emigrants, resident alien, expatriates, expats, business traveller, business people, seconded experts Information
Care Expatriate • In brief • Care Expatriate health insurance, Insurance abroad, insurance for expatriates emigrants, resident alien, expatriates, expats, business traveller, business people, seconded experts In brief (PDF)
Care Expatriate • online application • Care Expatriate health insurance, Insurance abroad, insurance for expatriates emigrants, resident alien, expatriates, expats, business traveller, business people, seconded experts online application

*For a complete list of benefits see the General Terms and Conditions of Insurance (GTI).
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