Benefits at a glance

WORK & PROFESSION
insurance
Basic
WORK & PROFESSION
insurance
Premium
WORK & PROFESSION
insurance
Liability/Accident
Premium refund
One month 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
Care during pregnancy and subsequent birth
Acute first time treatment (maximum 4 days inpatient or 4 days outpatient sessions) of mental disorders and psychiatric illnesses as well as hypnosis and psychotherapy
Medical rehabilitation services (follow-up treatment)
Medically necessary walking aids and wheelchair rental
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)
1.7 2.3
GOZ rates up to
(GOZ = German scale of medical fees for doctors)
1.7 2.0
Dental treatment for pain relief 50% 100 % to a max. of € 500 (plus 50 % of costs above this amount)
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 by registered doctors
Direct settlements in Germany/Austria of doctor, dentist, and hospital bills
Deductible (Health Insurance) € 35
Accident insurance
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/recovery expenses € 5,000 € 5,000 € 5,000
Cosmetic surgery after an accident € 5,000 € 5,000
Liability insurance
Flat rate coverage for personal injury and property damage € 2.0 mil. € 2.6 mil. € 2.6 mil.
Damage to owned or rented residential premises and buildings of the host family or landlord (€ 250.- excess for damage to immovable property) € 25,000 € 2.6 mil. € 2.6 mil.
Deportation costs € 4,100 € 6,000 € 6,000
Secondary liability for ordered deportation non-contributory with no time limit
Loss of house and apartment keys up to € 500 up to € 500
Deductible (Liability insurance) € 35
Daily premium age 3-40 years
Your premium
Length of stay: up to 12 months
€ 1.20 € 1.40 € 0.27
Your premium
Length of stay: 13 to 36 months
€ 1.80 € 2.00 € 0.27
Daily premium age 41-60 years
Your premium
Length of stay: up to 12 months
€ 1.40 € 1.60 € 0.27
Your premium
Length of stay: 13 to 36 months
€ 2.00 € 2.20 € 0.27
Take out insurance

Exact descriptions of benefits and comprehensive detailed information is provided in the Consumer Information (Verbraucherinformationen) - unfortunately only in German.