EDUCARE24 incoming travel health insurance

The EDUCARE24 M, L and XL tariff variants include full private liability insurance for the insured person. In addition to personal injury and damage to property, damage to rented property is also insured. Damage to rented property is damage caused to a rented apartment. More and more landlords are demanding this protection nowadays.The insurance cover of the liability insurance only applies if there is no other or sufficient other insurance cover for the insured person (subsidiary cover). Damage caused by the use of a vehicle is excluded from the insurance cover.

Insurance sums insured in liability insurance (in €):

In the case of an officially ordered deportation of the guest, the insurance will cover the costs incurred up to an amount of € 4,000.00 if the claims against the inviting party are asserted.

In contrast to previous deportation cost insurances, this insurance will continue to pay even after the end of the insurance, if the guest has not left the Federal Republic of Germany, contrary to all expectations.

EDUCARE24 accident insurance covers the following insurance cover (in €):

Insurance cover - if medically necessary - exists for:

• Outpatient medical treatment. The rates for reimbursement are those within the limits described below.
• In-patient treatment, including operations in the scope of general hospital services without optional services. Expenses for separately chargeable services of an attending physician are reimbursable within the framework described below.
• Medically necessary rehabilitation measures (follow-up treatment).
• Prescription drugs and dressings.
• Medically prescribed remedies up to a maximum sum of 250 € during the entire insurance period.
• Medically prescribed aids that become necessary as a result of an accident and are used for medical treatment of the consequences of the accident.
• Check-up and treatment for pregnancy and childbirth if the pregnancy occurs after the commencement of insurance cover.
• Treatment of mental illnesses (also in-patient) with the exception of psychoanalysis, psychotherapy and hypnosis. In case of an acute mental or psychological illness, these benefits are also reimbursable for one-off expenses of € 500 for the entire duration of the insurance policy.
• Pain-relieving dental treatment to eliminate acute pain. The rates for reimbursement are those within the limits described below. For the EDUCARE24 S and M tariff variants, dental benefits are limited to € 500 for the whole insurance period.
• Simple repair of an existing dental prosthesis up to an invoice amount of € 200 (L and XL tariffs).
• Accident-related dental prostheses up to 2,000 € (rates L and XL).
• The medically necessary transport to the in-patient treatment and to the emergency doctor.
• The medically required and doctor's order return transport to the home country if the duration of in-patient treatment would exceed 14 days, depending on the type and severity of the illness.
• Transfer costs for a deceased person to their home country or funeral expenses in Germany up to 10,000 €.
• Only tariff XL: Precautionary benefits within the scope of statutory programmes/health and child examinations within the scope of statutory programmes/vaccination and dental prophylaxis (the total benefit is limited to a total of 500 € per insurance year).

Medical and dental billing records

Expenses for medical and dental treatment can be reimbursed up to the following rates in accordance with the official German regulations governing fees for physicians (GOÄ) and the official regulations governing fees for dentists (GOZ):

• Expenses for medical and dental treatment are reimbursable up to a rate of 2.3 times the applicable official German fee scale for physicians (GOÄ) - for services in accordance with Sections A, E or O of the GOÄ up to 1.8 times the rate, for services in accordance with Section M and Section 437 of the GOÄ up to 1.15 times the rate - and up to 2.3 times the applicable official German rate.

Tuberculosis diseases have increased sharply in recent years, especially in the former Eastern bloc states. In the interest of all, please make sure that you take a current test (tuberculin test) immediately before entering the country. This test, which should not be older than three months, protects you against the health risk of a TBC disease. In addition to the health risk, you also run a high financial risk without taking a test. After all, a TBC disease brought along with you is - like all other illnesses brought along - excluded from insurance cover.

In some cases, a treatment and cost plan is required to get the reimbursable treatment costs refunded up to 100%. In the following cases, we insist on a treatment and cost plan prior to the start of treatment:

In the outpatient area:

• non-conventional X-ray diagnostics (such as computer tomography, magnetic resonance imaging and scintigraphy).
• Allergy tests.

In the detal area:

• Treatment of more than two teeth during the insurance period.
• Periodontal diseases.
• Treatments for which the invoice amount is expected to be higher than € 250, -.

Without written consent to the treatment and cost plan, the reimbursement of these benefits is limited to 50% of the reimbursable costs.