Nurse laughs with an old lady in a wheelchair

Book travel insurance for nursing & service occupations online

Insurance for foreign care workers & household help.

You are coming to Germany or Austria temporarily as a freelancer in a nursing, healing, or service occupation, for example as household help? Obtaining health insurance coverage for your stay is mandatory in that case. Our insurance packages can be chosen individually to meet your specific needs and include additional accident and liability insurance to ensure comprehensive coverage for you in case of a claim.
If your family is coming along, we can insure them as well at the same rate.

We urgently recommend obtaining health insurance coverage for all workers from the EU who are exempt from social insurance as well, since insurance in their home country does not pay for everything, for example return transport that is often expensive.

Occupationally to Germany/Austria

from1.20 € per day (36,00 €/month)

Book online now

Benefits at a glance

CAREHELP Consumer information (05.23)

You receive your confirmation of insurance for submission to public authorities directly after the closing. It exceeds the official requirements for issuing a visa – including the Schengen visa.

(✓ = is included, X = is not included)

Tariff CARE &
HELP
Insurance
Basic CARE &
HELP
Insurance
Premium CARE &
HELP
Insurance
Liability/Accident

Premium per day from €1.20 from €1.40 from €0.27

Minimum Premium €25.00 €25.00 €10.00

Health insurance

Accident and liability insurance

Exceeds the requirements for granting a "Schengen" visa
Policy service and benefits processing for clear cases within 3 days
In- and outpatient treatments including operations as well as medically prescribed drugs and dressings
Doctor ordered ambulance service
Return transport to the home country when medically prudent and justifiable
Care during pregnancy and subsequent birth
Acute first time treatment (maximum 4 days in-patient or 4 outpatient sessions) of mental disorders and psychiatric illnesses as well as hypnosis and psychotherapy
Medical rehabilitation services (follow-up treatment)
Medically necessary crutches and rent for a wheelchair
Premium-free run-off liability for proven cases of non-transportability
Repatriation or funeral expenses
Manual Therapy, massages, lymphatic drainage and the like up to € 250 for the complete contract period
GOÄ rates up to (GOÄ = German scale of medical fees for doctors)	2.3	2.3
GOZ rates up to (GOZ = German scale of medical fees for doctors)	2.0	2.0
Dental treatment for pain relief	100% to a max. of € 400,–	100% to a max. of € 500 (exceeding costs to 50%)
Repair of previously existing dentures		50% to a max. of € 1,000
Repair of previously existing dentures after an accident		100% to a max. of € 2,500
Pain-related homeopathic treatment through local doctors
Direct settlements in Germany/Austria of doctor, dentist, and hospital bills
Deductible	€ 0	€ 0

Base amount of disability benefit	€ 50,000	€ 60,000	€ 60,000
Full disability benefits at progressive % scale	225% progression € 112,500	350% progression € 210,000	350% progression € 210,000
Death benefits	€ 5,000	€ 5,000	€ 5,000
Rescue expenses	€ 5,000	€ 5,000	€ 5,000
Cosmetic surgery after an accident		€ 5,000	€ 5,000

Flat rate coverage for personal injury and property damage	€ 2.0 Mio.	€ 2.6 Mio.	€ 2.6 Mio.
Damage to owned and rented residences and buildings of the host family (Deductible € 250 for non-movable property of the host family)	up to € 25,000	up to € 2.6 Mio.	up to € 2.6 Mio.
Deportation costs	€ 4,100	€ 6,000	€ 6,000
Secondary liability for ordered deportation non-contributory without time limit
Loss of house and apartment keys		up to € 500	up to € 500

One month refund of your premiums

Book online now

CARE & HELP Insurance Basic

Premium per day from €1.20

Minimum Premium €25.00

Health insurance

Accident and liability insurance

Exceeds the requirements for granting a "Schengen" visa
Policy service and benefits processing for clear cases within 3 days
In- and outpatient treatments including operations as well as medically prescribed drugs and dressings
Doctor ordered ambulance service
Return transport to the home country when medically prudent and justifiable
Care during pregnancy and subsequent birth
Acute first time treatment (maximum 4 days in-patient or 4 outpatient sessions) of mental disorders and psychiatric illnesses as well as hypnosis and psychotherapy
Medical rehabilitation services (follow-up treatment)
Medically necessary crutches and rent for a wheelchair
Premium-free run-off liability for proven cases of non-transportability
Repatriation or funeral expenses
Manual Therapy, massages, lymphatic drainage and the like up to € 250 for the complete contract period
GOÄ rates up to (GOÄ = German scale of medical fees for doctors)	2.3
GOZ rates up to (GOZ = German scale of medical fees for doctors)	2.0
Dental treatment for pain relief	100% to a max. of € 400,–
Repair of previously existing dentures
Repair of previously existing dentures after an accident
Pain-related homeopathic treatment through local doctors
Direct settlements in Germany/Austria of doctor, dentist, and hospital bills
Deductible	€ 0

Base amount of disability benefit	€ 50,000
Full disability benefits at progressive % scale	225% progression € 112,500
Death benefits	€ 5,000
Rescue expenses	€ 5,000
Cosmetic surgery after an accident

Flat rate coverage for personal injury and property damage	€ 2.0 Mio.
Damage to owned and rented residences and buildings of the host family (Deductible € 250 for non-movable property of the host family)	up to € 25,000
Deportation costs	€ 4,100
Secondary liability for ordered deportation non-contributory without time limit
Loss of house and apartment keys

One month refund of your premiums

Book online now

CARE & HELP Insurance Premium

Premium per day from €1.40

Minimum Premium €25.00

Health insurance

Accident and liability insurance

Exceeds the requirements for granting a "Schengen" visa
Policy service and benefits processing for clear cases within 3 days
In- and outpatient treatments including operations as well as medically prescribed drugs and dressings
Doctor ordered ambulance service
Return transport to the home country when medically prudent and justifiable
Care during pregnancy and subsequent birth
Acute first time treatment (maximum 4 days in-patient or 4 outpatient sessions) of mental disorders and psychiatric illnesses as well as hypnosis and psychotherapy
Medical rehabilitation services (follow-up treatment)
Medically necessary crutches and rent for a wheelchair
Premium-free run-off liability for proven cases of non-transportability
Repatriation or funeral expenses
Manual Therapy, massages, lymphatic drainage and the like up to € 250 for the complete contract period
GOÄ rates up to (GOÄ = German scale of medical fees for doctors)	2.3
GOZ rates up to (GOZ = German scale of medical fees for doctors)	2.0
Dental treatment for pain relief	100% to a max. of € 500 (exceeding costs to 50%)
Repair of previously existing dentures	50% to a max. of € 1,000
Repair of previously existing dentures after an accident	100% to a max. of € 2,500
Pain-related homeopathic treatment through local doctors
Direct settlements in Germany/Austria of doctor, dentist, and hospital bills
Deductible	€ 0

Base amount of disability benefit	€ 60,000
Full disability benefits at progressive % scale	350% progression € 210,000
Death benefits	€ 5,000
Rescue expenses	€ 5,000
Cosmetic surgery after an accident	€ 5,000

Flat rate coverage for personal injury and property damage	€ 2.6 Mio.
Damage to owned and rented residences and buildings of the host family (Deductible € 250 for non-movable property of the host family)	up to € 2.6 Mio.
Deportation costs	€ 6,000
Secondary liability for ordered deportation non-contributory without time limit
Loss of house and apartment keys	up to € 500

One month refund of your premiums

Book online now

CARE & HELP Insurance Liability/Accident

Premium per day from €0.27

Minimum Premium €10.00

Health insurance

Accident and liability insurance

Exceeds the requirements for granting a "Schengen" visa
Policy service and benefits processing for clear cases within 3 days
In- and outpatient treatments including operations as well as medically prescribed drugs and dressings
Doctor ordered ambulance service
Return transport to the home country when medically prudent and justifiable
Care during pregnancy and subsequent birth
Acute first time treatment (maximum 4 days in-patient or 4 outpatient sessions) of mental disorders and psychiatric illnesses as well as hypnosis and psychotherapy
Medical rehabilitation services (follow-up treatment)
Medically necessary crutches and rent for a wheelchair
Premium-free run-off liability for proven cases of non-transportability
Repatriation or funeral expenses
Manual Therapy, massages, lymphatic drainage and the like up to € 250 for the complete contract period
GOÄ rates up to (GOÄ = German scale of medical fees for doctors)
GOZ rates up to (GOZ = German scale of medical fees for doctors)
Dental treatment for pain relief
Repair of previously existing dentures
Repair of previously existing dentures after an accident
Pain-related homeopathic treatment through local doctors
Direct settlements in Germany/Austria of doctor, dentist, and hospital bills
Deductible

Base amount of disability benefit	€ 60,000
Full disability benefits at progressive % scale	350% progression € 210,000
Death benefits	€ 5,000
Rescue expenses	€ 5,000
Cosmetic surgery after an accident	€ 5,000

Flat rate coverage for personal injury and property damage	€ 2.6 Mio.
Damage to owned and rented residences and buildings of the host family (Deductible € 250 for non-movable property of the host family)	up to € 2.6 Mio.
Deportation costs	€ 6,000
Secondary liability for ordered deportation non-contributory without time limit
Loss of house and apartment keys	up to € 500

One month refund of your premiums

Book online now

Premium overview

1st – 12th month	Basic	Premium
3-40 years	€ 1.20	€ 1.40
41-64 years	€ 1.40	€ 1.60
65-69 years		€ 2.90
from 13th month	Basic	Premium
3-40 years	€ 1.80	€ 2.00
41-64 years	€ 2.00	€ 2.20
65-69 years		€ 3.40

Your advantages

Daily premiums
We offer innovative daily premiums. So you only pay for the exact duration of the planned stay.
Billing accurate to the day
Excess premium payments are refunded if the insurance contract ends prematurely.
Direct settlement with doctors and hospitals
With all rates: No duty to pay in advance. We have direct billing with doctors and hospitals
Refund of premiums
With the PREMIUM rate: One monthly premium after min. 12-month term without claims.
Everything from one source
From the application to contract management to support in case of a claim – our experienced team handles everything for you.
Recognized for visas and residence permits
The insurance coverage exceeds the official requirements for issuing a visa – including the Schengen visa.
Vacation trips
Insurance coverage worldwide for up to 6 weeks for vacation trips.
Choice of rates
Health, accident, and liability insurance with tiered benefits:, BASIC and PREMIUM or
accident and liability insurance: LIABILITY/ACCIDENT