Benefits in detail

Benefits of the personal liability insurance

EDUCARE24 L and XL include full personal liability insurance. In addition to bodily injury and property damage, the policy also covers damage to rented property. Damage to rented property is damage that is caused to a rented apartment. It has become popular with landlords to demand that such damage is covered.

Personal liability insurance coverage only applies if the insured person is not sufficiently covered by other insurance policies (subsidiary coverage). Damages to motor vehicles caused by the usage of such vehicles are excluded from insurance coverage.

Sums insured under a private liability insurance policy (in €):

EDUCARE24	S	L	XL
Bodily injuries and property damage	-	1.000.000	1.000.000
Damage to the immovable property of a host family (deductible: € 250). Damages to the movable property of a host family are excluded from insurance coverage.	-	1.000.000	1.000.000
Damage to rented property	-	100.000	100.000

You will find the detailed benefits and exclusion of benefits in the General Insurance Conditions.

Benefits of deportation costs insurance

In case of an officially ordered deportation of the visitor, the insurance policy covers the incurring costs up to € 4.000 if claims are made against the host.

Unlike former policies, the current deportation costs policy also provides coverage after the expiration of insurance if the visitor, against all expectations, has not left the Federal Republic of Germany.

Accident insurance benefits

EDUCARE24 accident insurance covers the following (in €):

EDUCARE24	S	L	XL
Payment in the event of death	–	5.000	5.000
Payment in the event of 100 % accidental disability	–	105.000	105.000
Disability benefit	–	30.000	30.000
Increase in the sum insured in proportion to the degree of disability (in %)	–	350	350
Rescue and salvage costs	–	3.000	3.000
Plastic surgery	–	3.000	3.000

You will find the detailed benefits and exclusion of benefits in the attached General Insurance Conditions.

Health insurance benefits

Health insurance covers the following (if medically necessary):

Outpatient medical treatment. To see which benefits are reimbursable, see the fee schedules (valid for Germany) described below.
Inpatient medical treatment including operations for the general care level without optional services. Expenses for separately billable treatment by an attending physician equivalent to outpatient medical treatment are reimbursable according to the fee schedules (valid for Germany) described below.
Medically necessary rehabilitation measures (subsequent to a previous medical treatment).
Medicine and dressing material only available by prescription.
Medically prescribed remedies up to a maximum of € 250 during the entire insurance period.
Medically prescribed medical appliances that become necessary due to an accident and provide help for the medical treatment of the consequences of an accident.
Examination and treatment due to pregnancy and childbirth, if the pregnancy was conceived after the start of insurance coverage.
Dental treatment for pain relief. To see which benefits are reimbursable, see the fee schedules (valid for Germany) described below. Within the policy EDUCARE24 S, benefits for dental treatment are limited to € 250 during the entire insurance period.
Simple repair of existing dentures up to an amount of € 200 (products EDUCARE24 L and XL).
Dentures due to an accident up to an amount of € 2.000 (products EDUCARE24 L and XL).
Medically necessary transport of patients for purposes of inpatient treatment and treatment by an emergency physician.
Medically necessary and prescribed return transport of an ill insured person from abroad to his / her home country, if the type of illness and its seriousness would require more than 14 days of inpatient treatment.
Only for EDUCARE24 XL: Preventive medical examinations under statutory schemes / adult and child health examinations under statutory schemes / vaccinations and dental prophylaxis (overall benefits limited to € 500 per calendar year).

Physician and Dentist Fee Schedules

The following benefits are reimbursable: expenses for outpatient medical and dental treatment up to the following rate of either the Physician Fee Schedule (GOÄ) or Dentist Fee Schedule (GOZ) valid in Germany.

EDUCARE24 S: up to 1.7 times the rate of the GOÄ – up to 1.3 times the rate in case of benefits pursuant to paragraphs A, E or O of the GOÄ; up to 1.1 times the rate in case of benefits pursuant to paragraph M and number 437 of the GOÄ – and up to 2.0 times the rate of the GOZ.

EDUCARE24 L and XL: up to 2.3 times the rate of the GOÄ – up to 1.8 times the rate in case of benefits pursuant to paragraphs A, E or O of the GOÄ; up to 1.15 times the rate in case of benefits pursuant to paragraph M and number 437 of the GOÄ – and up to 2.0 times the rate of the GOZ.

Important advice with regard to tuberculosis in foreign visitors!

Throughout the past years, there has been a sharp increase in Tuberculosis, in particular in eastern European states. Please make sure, in the public interest, to undergo a tuberculosis test prior to your entry into Germany. The test must not be older than three months. It protects you from the risk of a pre-existing infection. Apart from the health risk, you otherwise also take a high financial risk since no pre-existing medical conditions (prior to entering Germany), including tuberculosis, are covered by the insurance policy.

Benefits based on prior agreement or approval

In some cases, a medical costs projection is a necessary precondition for a 100 % reimbursement of the reimbursable treatment expenses. You must provide us with a medical costs projection prior to the planned treatment in the following cases:

Outpatient treatment:

Diagnostic radiology methods that exceed the scope of conventional x-ray diagnostics (such as computed tomography, magnetic resonance imaging and scintigraphy).
Allergy tests.

Dental Treatment:

Treatment of more than two teeth during the insurance period.
Periodontal treatment.
Treatments with an estimated cost range of more than € 250.

Without our written approval of the medical costs projection, the reimbursement of the above named benefits is limited to 50 % of the reimbursable costs.

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