Care College: travel health insurance for  language students and students

Care College - all benefits at a glance

	Care College Basic	Care College Comfort	Care College Premium
world-wide emergency service
medically prescribed medications and transports
pregnancy examinations and treatment	50 € deductible	25 € deductible
in-patient treatment at a hospital(general nursing class - multiple-bed rooms - no optional benefits)
costs for treatment acc. GOÄ/GOZ	up to 1.8 times the rate of the scale of fees	up to 2.3 times the rate of the scale of fees	up to 2.3 times the rate of the scale of fees
basic version accident-related medical aids	up to 250 €	up to 250 €	100%
repatriation for medical reasons	up to 10.000 €	100%	100%
analgesic dental treatment (treatment and cost plan required if more than two teeth treated)	100% (up to € 250.00 - above that 50%)	100% (up to € 500.00 - above that 50%)	up to 100%
repatriation/burial costs in event of death of the insured person	up to 25.000 €	up to 25.000 €	up to 25.000 €
deductible per insured event	50 €	only for gynaecologists	-
secondary liability	4 weeks	4 weeks	8 weeks
cost for dental prosthesis (within 2 years of insurance term, qualifying period:8 months)	-	50% up to € 500.00	70% up to € 1,000.00
credit note for one month's premium if no claims	-
accident-related dental prosthesis up to max. € 2,500.00	-	-
visual aids (up to € 100.00, 3 months qualifying period)	-	-
Tariffs 1 - 18 month starting month 19	28 € 51 €	35 € 59 €	63 € 83 €

Field of application

The insurance applies only during the stay in Germany, the EU/Schengen-States or abroad, as applicable (the countries of the North American Free Trade Area: USA, Canada, Mexico are excepted) .

Product and performance description Care College

The Care College policy is available in different cover versions as well as for differing periods. The premiums differ according to the duration of the policy. The premium due on policies with a term of more than 18 months increases as of the 19th month. For prices per month please refer to the list above.

Product description Care College Basic

Summary of benefits:

• out-patient treatment by a doctor
• in-patient treatment at a hospital (general nursing class)
• medically necessary rehabilitation measures (follow-up treatment)
• transportation costs to hospital for medical reasons
• 100 % cost cover for medications and remedies
• replacement of accident-related medical aids up to € 250 (not including visual aids)
• pregnancy examinations and treatment (€ 50 deductible per pregnancy examination) – as long as the insured is not pregnant on commencement of cover or at the time of applying for renewal of cover – plus delivery (8 month waiting period, € 250 deductible per insured event)
• analgesic dental treatment – 100 % (up to € 250 - above that 50 %)
• costs of repatriation for medical reasons, up to max.€ 10.000
• repatriation costs/funeral expenses in event of the death of the insured person, up to € 25.000
• up to 4 weeks secondary liability
• up to 6 weeks per year insurance cover in own country

The tariff provides for a general deductible of € 50.00 per claim. Costs will be reimbursed at up to 1.8 times the rate of the scale of fees (GOÄ/GOZ).

For a complete list of benefits see the general insurance conditions (AVB).

Product description Care College Comfort

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

• 50 % of the costs of dental prosthesis up to max. € 500 within two years of insurance term (8 months qualifying period for dental prosthesis)
• costs of repatriation for medical reasons, 100 %
• no deductible except for gynaecological examinations or deliveries
• reimbursement takes place within the framework of the scale of fees (GOÄ resp. GOZ) without limitation to 1.8 times the rate.
• credit note for one month's premium if no claims within 12 months in one insurance year
• repatriation costs/funeral expenses in event of the death of the insured person, up to € 25.000
• There is a compensation payment of € 1.500 (per insurance year) in event of a medically necessary in-patient treatment (for at least 14 days) and a subsequent inability to work (for a combined total of at least 90 days).

For a complete list of benefits see the general insurance conditions.

Product description Care College Premium

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

• 100 % basic version accident-related medical aids
• up to € 100 visual aids (3 months qualifying period)
• 100% of the costs of accident-related dental prothesis up to max. € 2.500
• 70 % of the costs of dental prosthesis up to max. € 1.000 within two years of insurance term (8 months qualifying period for dental prosthesis)
• repatriation costs/funeral expenses in event of death of the insured, up to € 25.000
• up to 8 weeks secondary liability
• no deductible except for deliveries
• There is a compensation payment of € 2.500 (per insurance year) in event of a medically necessary in-patient treatment (for at least 14 days) and a subsequent inability to work (for a combined total of at least 90 days).

For a complete list of benefits see the general insurance conditions.

Travel health insurance Care College for students book online now

Consumer information: Exclusions

• Illnesses and consequences of accidents, treatment of which abroad was the sole reason, or one of the reasons, for starting the journey
• Costs for 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, exceed € 30.000*
• Examinations and treatment of pregnancies that already existed prior to commencement of cover and/or on application for policy renewal
• Termination of pregnancies and contraception
• Optional services in hospitals
• Aids not due to accidents
• Psychotherapy / psychoanalysis treatment
• Drug withdrawal measures, cures and sanatorium treatment
• Cosmetic treatment (e.g. scar corrections, non-essential acne and wart removals etc.)
• Medical check-ups, vaccinations
• Plaque removal, paradontosis treatments
• Orthodontic treatment, dental braces, implantological and gnathological measures
• Examinations for the purposes of obtaining a residence permit
• Certificates and expert opinions

* Otherwise, the own risk for these costs is € 5.000 per insurance year.

You will find a detailed description of benefits in the insurance conditions.

Care Protector - liability insurance and accident insurance

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:

* 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.

Care Protector liability/accident insurance book online