Description Care Economy health insurance for foreign visitors in the EU

Care Economy – Travel health insurance for foreign guests and visitors

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
• 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. €300.00 per stay up to 180 days, over 180 days max. €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.

Premium list Health insurance Care Economy

Health insurance
Term of insurance up to ... days	up to 64 years	65-74 years
90	€ 1,00 / day	€ 2,95 / day
91 - 180	€ 1,35 / day	€ 3,70 / day
181 - 365	€ 1,90 / day	€ 4,95 / day
366 - 730	€ 2,40 / day	€ 7,90 / day

Minimum premium per person and term: €10.30. Monthly payment type for health insurance is only possible from 180 days term of insurance and choosing direct debit.

Monthly premium health insurance
Term of insurance up to ... days	up to 64 years	65-74 years
180 - 365	€ 50,00 / month	€ 126,00 / month
366 - 730	€ 75,00 / month	€ 242,00 / month

The max insurance period – including all possible renewals – is two years. In case of renewals the difference between the premium for the period originally chosen and the premium for the newly requested total period is then payable as a differential premium.

The treatment costs for accident injuries are covered by the health insurance. Long-term invalidity risks can only be covered by an accident insurance policy. We therefore recommend that you take out an accident and liability policy.

Liability insurance protects you against claims for damages from a third party.
Accident insurance protects against financial hardships incurred through the reduction of your ability to work either because of a disability or death following an accident.

In addition to health insurance we offer – in a legally separate policy – personal liability insurance or a personal liability/accident insurance package with the following scope:

Liability insurance	Type    S	Type    M	Type    XL
Lump sum coverage for personal injury and property damage	€ 1 Mio.	€ 2 Mio.	€ 2.5 Mio.
Deportation costs to cover undertakings of the policyholder versus German authorities	€ 1.000	€ 2.000	€ 3.000
Co-insurance of damage to rented property for immovable objects, deductible 10%, minimum €250.00 per claim	€ 10.000	€ 25.000	€ 50.000
Loss-of-key cover for private dwellings (resp. room or apartment), deductible €100.00 per claim	––––––––	––––––––	€ 1.000
General deductible per claim	€ 250	€ 0	€ 0

Accident insurance	Typ S	Typ M	Typ XL
Basic invalidity amount	––––––––	€ 30.000	€ 40.000
Maximum invalidity sum with progressive scale 350%	––––––––	€ 105.000	€ 140.000
Death benefit in the event of accidental death	––––––––	€ 15.000	€ 25.000
Salvage costs following an accident	––––––––	€ 7.500	€ 10.000
Cosmetic operations due to an accident	––––––––	€ 2.500	€ 5.000
Monthly premium*	€ 2	€ 4	€ 7,50
Minimum premium	€ 10	€ 12	€ 15

*The premium must be paid as a single premium for the entire term. Insurance cover only exists, if the insurance premium is paid completely. For a complete list of benefits see the Conditions of liability/accident insurance.

Here you can effect the Care Economy international health insurance abroad for foreign visitors with online confirmation.