Questions & Answers

Do you want to have detailed information before purchasing our EDUCARE24 insurance policy? In this section, we collected a number of frequently asked questions about the insurance cover of EDUCARE24. If you have any other questions, feel free to contact us.

  • General questions

    Here you will find general questions about EDUCARE24.

    • Who can purchase EDUCARE24?

      To qualify for EDUCARE24, the main purpose of your stay abroad needs to be further education in Germany or Europe. It is considered to be further education if you take part in an international program as:

      • - foreign language student,
      • - adult education student,
      • - regular student,
      • - trainee or
      • - guest scientist.

      If the main purpose of your stay abroad is further education, insurance cover includes any periods without further education abroad within the insurance period applied for.

      Further prerequisites:

      • - Your maximum age at the commencement of the contract is 69 years.
      • - Your stay abroad will last no longer than four years.
      • - You have a foreign citizenship.
      • - The insurance policy is purchased prior to arrival or within the first month after entering the country or starting classes, studies, internship, teaching or research work.
    • Can I insure accompanying family members, too?

      Accompanying family members can be insured as well if they are not older than 69 years and are insured under the same tariff version. Example: All family members are insured under the tariff version EDUCARE24 L. You just need to conclude an insurance policy for each family member separately. For children under 6 years, insurance can only be effected if the accompanying legal guardian is also insured under the same EDUCARE24 tariff.

    • I do not know the exact date of arrival, yet, can I still purchase insurance?

      If you do not know your exact date of arrival, yet, you can purchase insurance by entering an expected date of arrival. In this case, you will receive an insurance certificate with the expected date of arrival. Please inform us about your exact date of arrival as soon as you know it. You will then receive all documents. Before the expected date of arrival, all you need to do is send us an email. If you inform us after the expected date of arrival, please send us some proof of arrival (e. g. a copy of your passport or a plane ticket).

    • Can I cancel the insurance policy?

      Should you return early from your stay abroad, a phone call or an email is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. You only pay for the actual period of insurance. No service fee will be charged for this reimbursement.

  • Questions regarding application

    Here are some frequently asked questions regarding the application.

    • How can I purchase the insurance?

      You can purchase EDUCARE24 directly online. You only need to do two things: fill in the application form and check whether all entered information is correct. Then simply confirm your application - that’s it!

    • What are the requirements for concluding EDUCARE24?

      To qualify for EDUCARE24, the main purpose of your stay abroad needs to be further education in Germany or Europe. It is considered to be further education if you take part in an international program as:

      • - foreign language student,
      • - adult education student,
      • - regular student,
      • - trainee or
      • - guest scientist.

      If the main purpose of your stay abroad is further education, the cover includes any periods without further education abroad within the insurance period applied for.

      Further prerequisites:

      • - Your maximum age at the commencement of the contract is 69 years.
      • - Your stay abroad will last no longer than four years.
      • - You have a foreign citizenship.
      • - The insurance policy is purchased prior to arrival or within the first month after entering the country or starting classes, studies, internship, teaching or research work.
    • Which documents will I receive?

      Following your application, you will immediately receive an email with your insurance certificate along with customer information and the "Ärzte-Info-Ticket" (medical info card). Additionally, we will send you an insurance card for your wallet within the next few days.

    • Is my data secure?

      When you purchase our policy online, all information is sent through a secure connection. We use your data only for fulfillment of the insurance contract. For more information, go to our section on data protection .

  • Questions regarding existing contracts and policy adjustments

    Here are some of the most frequently asked questions about existing contracts.

    • Can I extend my insurance policy in case of an extended stay?

      In case of an extension of your program abroad, you can apply for an extension prior to the expiry of the existing insurance policy. The maximum term of insurance with this policy is four years. Just give us a call:

      Phone: +49 (0) 2247 9194 -986
      Mon-Fri: 8 am to 8 pm
      Sat: 9 am to 12 pm

      You can also send us a letter, fax or an email.

      If the insurer accepts your request for extension, insurance cover only applies for insured events that occurred after you applied for extension. In case of an extension, the insurer is not liable to pay for pre-existing and known conditions such as illnesses, ailments or existing pregnancies and their results.

    • If I return early, can I cancel the insurance policy?

      After expiry of the period applied for, insurance coverage will end automatically. Should you return early from your stay abroad, please inform us. A phone call or an email is sufficient. In this case, you only pay the premiums which arose before the notification. If a direct debit system exists, it will be stopped. Credit will be immediately refunded to your account. No service fee will be charged.

      At your request, the account can also be based on the date of your return instead of the date of notification. In this case, please send us some proof of reentry which confirms your premature return (for example your plane ticket).

    • I plan to go on vacation during my stay abroad: is such a vacation covered as well?

      Insurance coverage also includes worldwide trips and stays abroad up to a maximum duration of six weeks, even in your home country. In case of a stay of more than six weeks, only the first six weeks are covered. Flight tickets, railway tickets or stamps in the passport can be used to verify the duration of the holiday.

    • How can I quickly and easily notify you of any changes?

      You can access our online service 24/7. You can use our online forms, for example, to apply for an extension of insurance cover, submit your date of entry later, change your bank and address data or notify us of damages covered by accident and liability insurance.

      Please change to our Secure Server
      to send your changes online (German).

  • Questions regarding payment

    Here are some of the most frequently asked questions regarding payment.

    • Which payment methods are offered for EDUCARE24?

      You can pay EDUCARE24 by direct debit or credit card (Visa or Mastercard). You can either pay the total amount at once or, in case of direct debit from an account in Germany or Austria, you can pay in monthly installments. Premiums are calculated depending on the number of months or part thereof. Should you return early from your stay abroad, you only need to provide us with proof of reentry into your home country. We will then calculate your exact premium depending on the number of days you stayed abroad.

    • What happens in case of unpaid direct debits?

      Please avoid any chargebacks. Every chargeback causes an enormous administrative amount along with bank charges. For any unpaid direct debit, we will have to charge the resulting fees imposed on us, if you are the one responsible for the unpaid direct debit (for example as a result of revocation, incorrect information or insufficient account balance).

    • Is there a refund of overpaid premiums?

      We will refund any overpaid premiums immediately in full without charging a service fee. Should you return early from your stay abroad, a phone call or an email is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. No service fee will be charged for this reimbursement.

  • Questions about damages and reimbursements

    Here you will find questions and answers regarding claims.

    • I need medical treatment – what should I do?

      As foreign guest you are covered by private international health insurance. Such health insurance covers only acute medical treatment of newly occurred illnesses. If it is not an emergency, please consider the following recommendations:

      1. Please always consult your primary care physician (general practitioner) before seeing a specialist or going to hospital.
      2. Please provide the physician with our Ärzte-Info-Ticket (medical info card) prior to the treatment.
      3. Please tell your doctor that some treatments require approval and that you need a medical costs projection for these treatments.

      For further information, go to: What to do in the event of illness?

    • How are your invoices refunded?

      If you submit your "Ärzte-Info-Ticket" (medical info card) to the physician or to the hospital prior to the treatment, we can settle the bill directly with the doctor or hospital. If your doctor does not want to settle the bill directly with Dr. Walter, you will receive an invoice after the treatment. For details, go to: How are your invoices refunded?

    • How can I submit my invoices?

      Please always send us your original receipts by mail with your insurance number and (if the recipient’s account is different from the bank account stipulated in the contract) your bank data. We are not allowed to accept copies sent by fax or email.

    • Did you receive my invoice?

      We need about 2 weeks to process your request. You will be notified in writing when your request has been fully processed.

    • Will the costs for any medication be paid?

      Any medication needs to be medically necessary or prescribed by a doctor. You will receive your medication by taking the prescription to a pharmacy. The original prescription can then be submitted to us for a refund of the costs. The policy does not cover medication that can be bought at a pharmacy for free and without a doctor’s prescription. Please note that we can only process a prescription after receiving the related (doctor’s) invoice along with the diagnosis.

    • What to do in case of treatment at a hospital?

      During the admission, please present your insurance card and the Ärzte-Info-Ticket (medical info card) which you received with your insurance certificate. Hospitals usually contact us after the admission and the billing will be settled directly with the hospital.
      The policy covers emergency treatment and urgent operations within compulsory health insurance without optional services. If such inpatient treatment is not an emergency treatment, we recommend arranging the details of the planned therapy beforehand with our claims department. This way, we can help you to minimize any financial risk.

    • What to do in the event of toothache?

      Please inform your dentist about the details of your insurance coverage by providing him with our Ärzte-Info-Ticket (medical info card) prior to the treatment. In case of toothache, you usually receive immediate dental treatment. Such treatment aims to reduce pain and to treat the respective tooth. As with any other travel health insurance, the policy covers simple fillings (emergency dental treatment) for the relief of new and acute pain. For details, go to: What to do in the event of toothache?

Do you require advice?
If you have any questions, please feel free to contact us:

Phone: +49 (0)2247 9194-986

Customer Service
Mon-Fri: 8 am to 8 pm
Sat: 9 am to 12 pm

Specialist Department
Mon-Fri: 8 am to 6 pm