Au-Pair24 travel health insurance for incoming au-pairs
 |
A stay as an au-pair is an exciting experience and for au-pairs as well as for the host family and it is connected with many new impressions. Despite all the fun in the host country, the safety of your guest should not be overlooked. Because your au-pair needs a special insurance, which is adapted to the special needs.The au pair insurance AU-PAIR24 by DR-WALTER has been developed for foreign au-pairs (incoming) coming to Germany and other European countries. This ensures that incoming au pairs are fully insured.
Premium overview AU-PAIR 24
| M (Medium) | L(Large) | Z (Supplement) |
|---|---|---|
| € 39 / monthly | € 44 / monthly | € 9 / monthly (without health insurance) |
AU-PAIR24 insurance benefits at a glance
AU-PAIR24 | M (Medium) | L (Large) | Z (Supplement)* |
|---|---|---|---|
liability insurance | |||
Personal and professional liability insurance including work as an au-pair | 1.500.000,- € | 2.000.000,- € | 2.000.000,- € |
Injuries to children caused by the au-pair | 1.500.000,- € | 2.000.000,- € | 2.000.000,- € |
Liability damage to the host family's immovable property (deductible 250 €) | 1.500.000,- € | 2.000.000,- € | 2.000.000,- € |
rental damages | 100.000,- € | 100.000,- € | 100.000,- € |
Loss of house or apartment keys (key risk) | -- | 500,- € | 500,- € |
casualty insurance | |||
Capital payment in the event of accidental death | 5.000,- € | 5.000,- € | 5.000,- € |
Capital payment at 100% accident disability | 140.000,- € (progression stagger 350 %) | 200.000,- € (progression stagger 500 %) | 200.000,- € (progression stagger 500 % |
disability sum | 40.000,- € | 40.000,- €) | 40.000,- € |
Cosmetic operations | 3.000,- € | 3.000,- € | 3.000,- € |
rescue costs | 3.000,- € | 3.000,- € | 3.000,- € |
Hospital daily allowance from the 10th day of the accident-related full in-patient hospital stay for max. 90 days | 10 €/day | 15 €/day | 15 €/day |
deportation expenses insurance | |||
Fee-free follow-up liability in case of ordered deportation | 4.000,- € | 4.000,- € | 4.000,- € |
| travel healt insurance | |||
Complies with all Schengen Visa requirements |  | | |
Outpatient medical treatment in accordance with scale of fees for doctors (GOÄ) and dentists (GOZ) - Benefits according to section A, E, O - Benefits according to section M and No. 437 - in all other cases for doctors - in all other cases for dentists | 1,8-fold 1,15-fold 2,3-fold 2,3-fold | 1,8-fold 1,15-fold 2,3-fold 2,3-fold | |
In-patient medical treatment, including operations in the scope of general medical treatments without optional services. Expenses for separately chargeable services of an attending physician are reimbursable in accordance with the above-mentioned item in accordance with outpatient medical services | 100 % | 100 % | |
Prescription drugs and dressings Medically prescribed aids during the entire insurance period | 100 % 250,- € | 100 % 250,- € | |
Medically necessary rehabilitation measures (follow-up treatment) | 100 % | 100 % | |
Benefits for pregnancy and childbirth if the pregnancy has occurred after commencement of insurance cover | 100 % | 100 % | |
Medically necessary patient transports for in-patient treatment and to the emergency doctor | 100 % | 100 % | |
Direct billing with doctors and clinics | |||
Medically required and medically prescribed repatriation of patients to their home country if the duration of inpatient treatment would exceed 14 days according to the type and severity of the disease. | 100 % | 100 % | |
Compensation-free subsequent payment for pending claims in case of proven transport incapacity up to 90 days | |||
Transfer costs in the event of death to your home country or funeral expenses in Germany | 10.000,- € | 10.000,- € | |
Fees for treatment and cost plans | | | |
Alternative healing methods (also homeopathy) by registered doctors, if they do not exceed the costs of a comparable, conventional treatment | 100 % | 100 % | |
Pain-relieving dental treatment (in this context also root canal treatment of conservative teeth up to the final filling) and for this purpose necessary simple fillings | up to 2-fold rate of GOZ | up to 2-fold rate of GOZ | |
Simple repair of existing dentures | 50% up to 1000 €** | 50% up to 1000 €** | |
Accident-related dental prosthesis | bis 2.000 €** | bis 2.000 €** | |
Treatment of mental illnesses (including in-patient treatment) with the exception of psychoanalysis and psychotherapy, once-only for the entire duration of the insurance period | 500,- € | 500,- € | |
previous illnesses under certain circumstances | | | |
GOÄ rates up to | 2,3 | 2,3 | |
GOZ rates up to | 2,0 | 2,0 | |
Deductible per illness | 0 € | 0 € | |
Monthly contributions | 39,- € | 44,- € | 9,- € |
*without health insurance
** during the entire insurance period
Your advantages with AU-PAIR24
Insurance coverage independent of au pair status
Caution: Some insurances refuse to reimburse the au-pair if he/she does not have a valid au-pair status in Germany at the time of the damage. This cannot happen with AU-PAIR24, because the insurance cover of our products is not tied to the au-pair status.
Treatments of previous illnesses are also insured
During your stay in Germany, you are covered for the acute medical treatment of new diseases. In addition, we insure unforeseeable treatments that are attributable to pre-existing illnesses (pre-illness) prior to the commencement of the insurance policy, insofar as the insured event has not yet occurred when the policy was concluded. Special regulations only apply to TBC and tumor diseases, HIV infections and chronic kidney diseases.
True au pair liability insurance
Caution: Some providers of travel insurance call their product au pair insurance, although there is no protection for au pair activities. Our liability insurance covers the au-pair's private liability and professional liability for au-pair activities.
Injuries caused by the au-pair are also insured
Neben dem normalen Schutz bieten wir Ihnen eine wichtige zusätzliche Absicherung: vom Au-pair verursachte Personenschäden an Ihnen, Ihren Kindern und anderen im Haushalt lebenden Personen sind bis zur Höchstsumme mitversichert.
Exact day notice of termination for au pair changes and host family changes
Our au-pair insurance costs are billed monthly. If there is a change of host family or au pair, we will also bill you on a daily basis. You only have to pay for the actual insurance period and do not have to insure a full month. There are no administration fees for the refund.
Outward and return journey insured
Nowadays, many au-pairs travel to Germany by bus for cost reasons. The journey often takes a long time and goes through many countries. In the past, there was usually no insurance cover for countries of transit, as the insurance from their home country was no longer valid and the au pair insurance did not begin until they arrived in Germany.For better protection of au-pairs AU-PAIR24 has extended the insurance coverage. In case of a proper insurance registration of your au-pair, the return journey is included in the insurance. The insurance coverage begins on the day your au-pair leaves their home country. The following applies to the return journey: protection remains in place until you return to your home country. This additional cover applies to all direct outbound and return journeys that do not exceed two days.