Your reliable
     health insurance partner abroad



Care Expatriate - Health insurance abroad for expatriates

Care Expatriate - Health insurance abroad for expatriates

Auslandskrankenversicherung

FAQs


FAQ
FAQ application procedure
FAQ provision of services
FAQ Care Cash
General questions about the service spectrum of the overseas health insurance Care Expatriate
Designelement 1 zur Auslandskrankenversicherung
Designelement 2 zur Auslandskrankenversicherung
Designelement 2 zur Auslandskrankenversicherung
Designelement 3 zur Auslandskrankenversicherung
Designelement 4 zur Auslandskrankenversicherung
Designelement 5 zur Auslandskrankenversicherung
Designelement 6 zur Auslandskrankenversicherung
Designelement 7 zur Auslandskrankenversicherung
Designelement 8 zur Auslandskrankenversicherung
Designelement 9 zur Auslandskrankenversicherung
Designelement 11 zur Auslandskrankenversicherung
Designelement 12 zur Auslandskrankenversicherung
Designelement 13 zur Auslandskrankenversicherung
Designelement 14 zur Auslandskrankenversicherung
Designelement 15 zur Auslandskrankenversicherung
Designelement 12 zur Expatriate Versicherung
Health insurance abroad for expatriates Bild 4 Health insurance abroad for expatriates Bild 6 Health insurance abroad for expatriates Bild 3 Health insurance abroad for expatriates Bild 6
 Who can be insured under the Care Expatriate plan?

The insurance covers medical treatment throughout the world. The following persons are insurable:

  • persons in any country worldwide with permanent residency in Germany, Austria, EU countries, member states of the Schengen agreement, Switzerland and Liechtenstein.
  • persons with permanent residency in other countries of the world who are staying in Germany, Austria, EU countries, member states of the Schengen agreement, Switzerland and Liechtenstein.
  • persons with permanent residency in Germany, Austria, EU countries, member states of the Schengen agreement, Switzerland and Liechtenstein who are staying in the above-mentioned countries.

The maximum entry age is 74 years.

 What’s the longest period for which I can insure myself under the Care Expatriate plan in Germany?

Auslandsversicherung Bild 12The maximum duration of coverage is 5 years (incl. all extension) for stays in Germany.

How long (including extensions) can I insure myself under the Care Expatriate plan abroad (countries other than Germany)?

Persons taking out a 5-year policy valid outside of Germany will receive a one-time acceptance guarantee for a follow-up policy for a maximum period of a further 5 years (Care Expatriate Comfort / Care Expatriate Premium). Any number of applications for policy extensions up to a further 5 years can be made until reaching the age of 75.

How much does the insurance cost?

The monthly premium for Care Expatriate international health care insurance depends on the age of entry, the selected plan rate, the deductible amount and the destination country/region (including/excluding former NAFTA countries).
Policies for a 28-year old person staying in non-former NAFTA countries can pay as little as EUR 58.00/month for their health insurance. A detailed premium overview can be found in the Description section.

 Does the international health insurance plan, Care Expatriate, also apply in the USA, Mexico or Canada (former NAFTA countries)?

Auslandsversicherung Bild 13 Care Expatriate international health care insurance is also valid in former NAFTA countries (the USA, Mexico and Canada), provided that you have chosen the option of including former NAFTA countries in the coverage. The following special rules apply for policies of at least one year duration with validity outside of the former NAFTA countries: during the period of coverage, temporary stays in former NAFTA countries are included in the insurance up to a period of 42 days per policy year. The term “policy year“ refers to a period of 12 months, starting on the date on which coverage begins. In cases in which the policy lasts for less than a year, provided that it follows a completed policy year, the maximum duration of coverage for these stays is reduced proportionally to 21 days for a policy period of 6 months and 31 days for a period of over 6 and less than 12 months. The insurer must be informed in writing of the respective individual trip.

Will I also be insured during an interim visit to my home country?

The insurance will also cover temporary returns to the home country. Depending on the selected plan rate, the total duration is 30 days (Basic), 45 days (Comfort) or 90 days (Premium) per policy year. Care Concept AG requires prior written notification of the stay in the home country.

Is the insurance recognized by foreign authorities (embassies, consulates, etc.)?

Our insurance plans are specifically tailored to the needs of people abroad and generally fulfill all the requirements for the granting of a visa (e.g. Schengen visa). The only exception known to us so far is Switzerland.

Are the costs of pregnancy covered?

Auslandsversicherung Bild 14Pregnancies are covered, provided that the date of conception is not before applying for coverage and the commencement of coverage. As long as the pregnancy is covered by the insurance, all examinations and medically necessary treatment regarding the pregnancy are considered as insured events and are, thus, also insured.

Can I also insure a child born while I am covered?

If, on the date of birth, one parent has been insured with Care Expatriate for at least 3 months, the child is registered with us within 2 months from the date of birth and no other insurance coverage exits, newborns with foreign nationalities can also be insured with no risk premiums and waiting periods.

Are check-ups and screening examinations covered?

Preventative medical check-ups are included at the Comfort (up to EUR 250.00 per policy year) and Premium (up to EUR 500.00 per policy year) rates. The following check-ups in particular are included:

  • for early detection of cancer
  • for early detection of cardiovascular diseases, kidney diseases and diabetes
  • for ensuring the normal physical and mental development of children
Are vaccinations for the country of destination also covered?

No. Vaccinations and immunizations are excluded in this plan.

Is liability insurance included in the Care Expatriate plan?

The international health insurance plan, Care Expatriate, provides only health insurance coverage and does not include liability insurance.
In addition to international health insurance, we also recommend that you take out a "Care Protector" accident and liability policy. You can purchase this coverage quite conveniently along with your health insurance under Online Application for a premium starting at just EUR 2.00 per month.

Is accident insurance included in the Care Expatriate plan?

Auslandsversicherung Bild 15 The costs of medical treatment alone, which becomes necessary after an accident, are included within the framework of the benefits provided in this plan. After an accident, however, you will not receive compensation in the case of permanent impairment of your physical or mental capacity (permanent disability).
In addition to international health insurance, we also recommend that you take out a "Care Protector" accident and liability policy. You can purchase this coverage quite conveniently along with your health insurance under Online Application for a premium starting at just €2.00 per month.

Can I insure myself in a crisis region?

The geographic scope of Care Expatriate international health insurance also covers so-called "crisis regions," but the following limitation should be considered: the insurer is under no obligation to provide coverage for illnesses and their consequences, for the consequences of accidents or for deaths, which were caused by acts of war or active participation in riots and are not explicitly included in the insurance coverage.

Will I receive an insurance card with which I can file my claims?

You will receive an insurance card, on which your personal data and a summary of the insurance benefits are listed. You will, however, not receive a chip card, as is common with the public insurance providers in Germany. The insurance card provides proof of your coverage under the international health insurance plan Care Expatriate.


Download FAQ (general questions)

Auslandskrankenversicherung Care Expatriate Designelement Druck Download FAQ (general questions) as a PDF (77KB)


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 binding.

Health insurance abroad for expatriates Bild 5 Health insurance abroad for expatriates Bild 1 Health insurance abroad for expatriates Bild 2 Health insurance abroad for expatriates Bild 7

Please note that the English translation is offered as a service for convenience only. The legally binding version is the German one.


Care Expatriate

Type of insurance: International Insurance for expatriates and residents



 Book directly

Care Concept AG
Your partner for health insurance abroad

Care Expatriate x

Type of insurance
Foreign health insurance for expatriates
Insurable persons
Emigrants, expatriates, residents, long-term trips
Entry age
0-74 Years
Premium Care Expatriate
from EUR 58 / Month
Duration
6 - 60 Months
Benefits*
  • Complies with all the requirements for a Schengen visa
  • Outpatient, inpatient and dental treatment
  • Preventive check-ups, therapy and medical aids (Comfort, Premium)
  • Up to 30 days (Basic), 45 days (Comfort), 90 days (Premium) per year insurance cover in own country
Care Expatriate • Description • Care Expatriate health insurance, Insurance abroad, insurance for expatriates emigrants, resident alien, expatriates, expats, business traveller, business people, seconded experts Information
Care Expatriate • In brief • Care Expatriate health insurance, Insurance abroad, insurance for expatriates emigrants, resident alien, expatriates, expats, business traveller, business people, seconded experts In brief (PDF)
Care Expatriate • online application • Care Expatriate health insurance, Insurance abroad, insurance for expatriates emigrants, resident alien, expatriates, expats, business traveller, business people, seconded experts online application

*For a complete list of benefits see the General Terms and Conditions of Insurance (GTI).
Facebook Care Concept Instagram Care Concept xing Care Concept linkedin Care Concept