Description Care Expatriate international health insurance

Care Expatriate – Health insurance for expatriates

Product description tariff Care Expatriate Basic
Product description tariff Care Expatriate Comfort
Product description tariff Care Expatriate Premium
Specific stipulations
Additional services
Premiums
Insurer

Product description tariff Care Expatriate Basic

Summary of benefits::

• outpatient medical treatment deemed medically necessary and rendered by a physician: 100 %
• medicines and dressing prescribed by a physician up to 100 %
• pregnancy check-ups – as long as the insured is not pregnant on commencement of cover or at the time of applying for renewal of cover.
• inpatient medical treatment deemed medically necessary, shared room (general care category), without additional services (no private medical treatment)
• ambulance service required for inpatient medical treatment and/or from/to accident location
• medically required dental treatments including fillings as well as annual check-ups and visits to hygienist – 100 % of bill up to €600.00 per insurance year
• dentures required following an accident, including the cost of repairs up to max. €1000.00 per accident and insurance year completed
• repatriation/burial costs in event of death of the insured person up to € 23,000.00 EUR
• treatment, such as massages and physiotherapy up to a total of €250.00 per insurance year
• psychotherapy up to €500.00 per insured year (up to €100.00 per session)
• aids due to an accident up to max. €500.00 per insured year
• up to 30 days per year insurance cover in own country
• Existing medical conditions are generally not covered by the insurance.

The tariff provides for a general excess of €150.00 per insured year. For a complete list of benefits see the general insurance conditions (AVB).

Product description tariff Care Expatriate Comfort

The product is based on Care Expatriate Basic with the following extras:

• medically required dental treatments including fillings as well as annual check-ups and visits to hygienist – 100 % of bill
• dentures required following an accident, including the cost of repairs up to max. €2,000.00 per accident and insurance year completed
• treatment, such as massages and physiotherapy up to a total of €500.00 per insurance year
• psychotherapy up to €1000.00 per insured year (up to €100.00 per session)
• medical aids prescribed by a physician, max. €500.00 per insurance year
• wheelchairs, hearing and speech aids prescribed by a doctor, max. €1,000.00 per insurance year
• dentures deemed medically necessary (at 60 %), max.
  • €500.00 in 1st insurance year (IY),
  • €1,000.00 in 2nd IY,
  • €1,500.00 in 3 rd IY,
  • €2,500.00 for every year thereafter.

  where treatment and medical cost projections are not submitted prior to treatment, only 50 % of the maximum reimbursable treatment costs shall be paid out where the medical necessity of the treatment is subsequently demonstrated.

• screening examinations aimed at early detection of disease, max. €250.00 per insurance year
• vision aids prescribed by a physician, max. €100.00 per insurance year
• up to 45 days per year insurance cover in own country
• existing medical conditions can be insured with an excess of €5000.00 per insurance year. An application for the excess to be waived can be made by providing more detailed health information.
• hospital per diem rate of €20.00 for each full inpatient day up to 20 days per insurance year
• repatriation/burial costs in event of death of the insured person up to €23,000.00

The tariff provides for a general excess of €150.00 or €500.00 per insured year. For a complete list of benefits see the general insurance conditions (AVB).

Product description tariff Care Expatriate Premium

The product is based on Care Expatriate Comfort with the following extras:

• inpatient medical treatment deemed medically necessary, shared room (general care category), without additional services. Where the policy applies outside of Germany, accommodation in a single room/shared two-person room is included
• dentures required following an accident, including the cost of repairs up to max. €3,000.00 per accident and insurance year completed
• treatment, such as massages and physiotherapy up to a total of €1,500.00 per insurance year
• repatriation/burial costs in event of death of the insured person up to € 23,000.00
• psychotherapy up to €1,500.00 per insured year (up to €150.00 per session)
• medical aids prescribed by a physician, max. €2,500.00 per insurance year
• dentures deemed medically necessary (at 80 %), max.
  • €750.00 in 1st insurance year (IY),
  • €1,500.00 in 2nd IY
  • €2,500.00 in 3 rd IY,
  • €4,000.00 for every year thereafter.

  where treatment and medical cost projections are not submitted prior to treatment, only 50 % of the maximum reimbursable treatment costs shall be paid out where the medical necessity of the treatment is subsequently demonstrated.

• screening examinations aimed at early detection of disease, max. €500.00 per insurance year
• vision aids prescribed by a physician, max. €300.00 per insurance year
• up to 90 days per year insurance cover in own country
• hospital per diem rate of €30.00 for each full inpatient day up to 30 days per insurance year

The tariff provides for a general excess of €500.00 or €1,000.00 per insured year. Alternatively also policies without excess are available. For a complete list of benefits see the general insurance conditions (AVB).

Specific stipulations

Insurable persons

Insurable persons:

• Persons with permanent residence in Germany, Austria, EU countries, Member States of the Schengen agreement, Switzerland and Liechtenstein in any country worldwide
• Persons with permanent residence 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 residence in Germany, Austria, EU countries, Member States of the Schengen agreement, Switzerland and Liechtenstein, who are staying in the above countries

Field of application

Insurance cover extends to foreign countries world-wide. All countries world-wide are considered foreign – except those states of which the insured holds nationality and/or in which the insured had a permanent domicile before the commencement of travel

Discontinuation of the stay abroad

For a temporary return to the home country of the insured, the insurer will provide insurance cover after notification of the return to the home country. Depending on the selected tariff, the overall duration shall be 30 days (Basic), 45 days (Comfort) or 90 days (Premium).

Insurance eligibility

The highest entry age is 74 years.

Duration of insurance

The minimum duration of insurance is 6 months. The maximum duration of insurance for stays in the Federal Republic of Germany is 5 years. The insured can get cover for travel outside Germany until the end of the 75th year of life.

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

The maximum contract duration for insured persons up to the entry age of 65 is 60 months initially and can be extended by 60 months each time with written consent of the insurer, as long as the insured has not yet reached his 66th birthday on commencement of the renewal (otherwise the insurance can only be renewed by max. 36 months). The insurance according to this tariff ends at the end of the month in which eligibility for insurance ceases, or in which the stay abroad is terminated (exception see B 1.1); the conditions for a temporary stay cease or when the insured reaches his or her 80th birthday.

When a reason for termination materializes, the insurance holder must inform the insurer in writing within a month.

Additional services

Assistance services

• Information on the possibilities of medical care inland and abroad, which includes, for example, a listing of physicians, specialists, hospitals and specialist clinics with appropriate language skills.
• Listing of salvage and rescue operators, specialist car repair companies, rental car companies, hotels, airlines and other transport companies in Germany and abroad.
• Listing of experts, lawyers and interpreters in Germany and abroad with appropriate language skills.

Premiums

Premium list | Care Expatriate | worldwide without NAFTA

Insurance tariff	Basic	Comfort		Premium
Excess per year (in EUR)	150,-	150,-	500,-	0,-	500,-	1000,-
Age at beginning: 0-12 (EUR / month)	64,-	104,-	81,-	191,-	149,-	117,-
Age at beginning: 13-40 (EUR / month)	58,-	84,-	63,-	181,-	141,-	109,-
Age at beginning: 41-60 (EUR / month)	68,-	103,-	77,-	256,-	201,-	156,-
Age at beginning: 61-74 (EUR / month)	246,-	322,-	248,-	432,-	336,-	263,-

Premium list | Care Expatriate | worldwide including NAFTA

Insurance tariff	Basic	Comfort		Premium
Excess per year (in EUR)	150,-	150,-	500,-	0,-	500,-	1000,-
Age at beginning: 0-12 (EUR / month)	175,-	280,-	220,-	495,-	385,-	300,-
Age at beginning: 13-40 (EUR / month)	280,-	225,-	170,-	465,-	363,-	285,-
Age at beginning: 41-60 (EUR / month)	195,-	265,-	210,-	660,-	515,-	405,-
Age at beginning: 61-74 (EUR / month)	710,-	920,-	725,-	1175,-	965,-	750,-

Insurer

Advigon Versicherung AG, Pflugstraße 20, 9490 Vaduz, Liechtenstein

Here you can effect the Care Expatriate – International health insurance for expatriates, emigrants, residents and long-term stays with online confirmation.