|Why take out health insurance coverage for your stay in Germany?|
|Product description Care Student plan|
|What does the insurance cost?|
|Information on insurance cover|
|All benefits at a glance|
As a student in Germany, you need good health insurance coverage. This also applies to doctoral students, preparatory college students and participants in pre-university language courses. It is always possible that you become ill or that you have an accident, which can be very expensive. With Care Student coverage you are optimally insured against medical expenses. Care Student is private, comprehensive health insurance.
Students in Germany: Care Student health insurance!
If you would like to enroll as a student at a German university or college, you have to provide proof that you have adequate health insurance coverage. Care Student health insurance was developed precisely for this purpose: It offers all the advantages of private health insurance for students at German universities/colleges – and all this at a lower premium than one would pay for public student health insurance.
The best thing about Care Student: For univeristy students, school students or interns, our health insurance even offers coverage when visiting your home country or when traveling – unlimited coverage in other European countries and up to four weeks per policy year outside Europe.
For school students, interns or participants in pre-university further education courses in Germany: Care Student health insurance!
Prospective students who are taking part in pre-university language courses, doing an internship or attending a preparatory college in preparation for their studies as well as boarding school students and doctoral students can take out comprehensive health insurance coverage with Care Student.
The following benefits are provided:
The plan provides for a general deductible of 300 euro per calendar year. If the coverage does not begin on January 1 of a calendar year, the deductible will be reduced by 1/12 for each uninsured month.
Please refer to the General Terms and Conditions of Insurance as well as the conditions for your specific rate for the exact scope of benefits.
The monthly premium varies depending on the age of the insured person. Between the ages of 12-29 you pay 69.62 euro per month. From the age of 30 the health insurance premium is 95.68 euro per month. As a student subject to mandatory insurance coverage, you have to book the mandatory long-term care insurance for 19.86 euro per month in addition to the health insurance. You will find the respective monthly premium in the following overview:
|Age||Health insurance for students||Nursing insurance for students||Total|
|Age: 12-29 Years||Health insurance for students: 69,62 € / Month||Nursing insurance for students:*19,86 € / Month||Total:89,48 € / Month|
|Age: 30-34 Years||Health insurance for students: 95,68 € / Month||Nursing insurance for students:*19,86 € / Month||Total:115,54 € / Month|
*The compulsory nursing care insurance is only due for persons who are subject to compulsory social insurance (e.g. registered students).
If you have any further questions, you may contact Care Concept® AG at the following toll-free service numbers within Germany. We would be happy to help you.
|Outpatient treatment by a doctor|
|Inpatient treatment at a hospital (standard care class - multiple-bed rooms - no optional benefits)|
|Prescription medications and transportation|
|gynecological examinations and treatment|
|Costs for treatment acc. to GOÄ/GOZ||up to 2.3 times the basic rate|
|Pregnancy examinations and treatments, delivery|
|Dental treatment||up to EUR 500.00, thereafter 50% per calendar year|
|Dental prosthesis and orthodontics||50 % up to EUR 500.00 per calendar year|
|Medical aids and remedies (therapies: light, physical, ergo, speech, massage)|
|Psychotherapy (outpatient)||at 70%, max. 50 meetings per calendar year|
|Daily hospital allowance (from the 15th day of a medically necessary hospital stay)||EUR 25.00 EUR per day, max. 20 days per calendar year|
|Convalescence allowance (for a hospital stay of 14 days and subsequent incapacity for work, at least 90 calendar days total)||EUR 1,500.00|
|Coverage in home country/abroad||Europe; non-European countries in the first month|
|Deductible||EUR 300.00 per calendar year|
|Guarantee of continued coverage|
|Premium guarantee for the entire duration of coverage**|
*For a complete list of benefits see the general terms and conditions of insurance as well as the specific conditions for your rate.
**Applies only to health insurance, not to mandatory long-term care insurance. Exception: There is a jump in the premium at the age of 30.
Legal note: The information contained in this publication does not constitute the basis of any contract, but rather serves solely as to provide a product overview/description. Only the General Terms and Conditions of Insurance and the policy terms and conditions, upon which your contract is based, are legally binding.
Please note that the English translation is offered as a service for convenience only. The legally binding version is the German version.