Benefits at a glance

AU-PAIR
insurance
Basic Plus
AU-PAIR
insurance
Premium
AU-PAIR
insurance
Premium Plus
AU-PAIR
insurance
LIABILITY/ ACCIDENT
Premium refund
Up to two months refund of your premiums
Health 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
Return transport to the home country as an alternative to in-patient treatment of the Au-Pair caused by serious illness
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 4 weeks 3 months 3 months
GOÄ rates up to (GOÄ = German scale of medical fees for doctors) 1.7 2.0 2.3
GOZ rates up to (GOZ = German scale of medical fees for doctors) 1.7 2.0 2.3
Dental treatment for pain relief
Repatriation or funeral expenses
Manual Therapy, massages, lymphatic drainage and the like up to € 250 for the complete contract period
Direct settlements in Germany/Austria of doctor, dentist, and hospital bills
Contraception consultation and examination
Pain-related homeopathic treatment through local doctors
Additional compensation for the host family in case of minimum 14 days in-patient stay of the Au-Pair due to an accident
Repair of previously existing dentures 50 % to a max. of
€ 1,000
50 % to a max. of
€ 2,000
Repair of previously existing dentures after an accident 100 % to max. of
€ 2,500
100 % to a max.
€ 2,500
Treatment of pre-existing illnesses (before contract inception)
(6 months waiting period)
Pain-related apicoectomy and root canal treatment, root filling included 100 %
Visit of an affiliated person in case of a hospital stay of the policyholder due to a life-threating illness or an in-patient stay with a duration of more than 14 days up to a max. of
€ 2,000
Deductible
Accident insurance
Death benefits € 5,000 € 5,000 € 5,000 € 5,000
Base amount of disability benefit € 50,000 € 50,000 € 60,000 € 60,000
Full disability benefits at progressive % scale 225 %
progression
€ 112,500
225 %
progression
€ 112,500
350 %
progression
€ 210,000
350 %
progression
€ 210,000
Rescue expenses € 5,000 € 5,000 € 5,000 € 5,000
Cosmetic surgery after an accident € 5,000 € 5,000
Insurance for children’s accidents (incl. full disability benefits) € 35,000 35,000
Liability insurance
Flat rate coverage for personal injury and property damage € 1.0 mil. € 2.0 mil. € 2.6 mil. € 2.6 mil.
Damages caused through the Au-Pair occupation
Personal injuries of the host family and their children culpably caused by the Au-Pair
Deportation costs € 1,600 € 4,100 € 6,000 € 6,000
Secondary liability for ordered deportation non-contributory without time limit
Damage to owned and rented residences and buildings of the host family (Deductible € 250 for non-movable property of the host family) up to a max. of
€ 25,000
up to a max of
€ 2.6 mil.
up to a max of
€ 2.6 mil.
Loss of house and apartment keys up to a max. of
€ 500
up to a max. of
€ 500
Deductible
Premium
per day € 1.10 € 1.25 € 1.40 € 0.27
Take out insurance

See the user information for a detailed benefit description and broad information.