What are the main aspects to know regarding insurance cover for your educational stay in Germany? We have compiled a list for you that includes the key advantages of EDUCARE24.
Some student insurers’ products depend on their customers’ student status and deny reimbursements if this student status is inactive, be it only for a short while. EDUCARE24 is available to all foreign visitors, which stay in Germany or Europe as language students, regular students, trainees or guest scientists - independent of their residence status.
Insurances for foreign guests have to meet many requirements. Some of the specifications which need to be given attention to are the regulations of the European Commission, the “Freizügigkeitsverordnung/EG” and Germany’s right of residence. The policy EDUCARE24 provides unlimited coverage of medical costs, thus exceeding the required coverage of 30,000 euros.
"Deductible" means that the insured person is obliged to cover a part of the treatment expenses. For example, a "deductible of €25 per insured event" means that you have to pay €25 of the medical bill yourself in each case of illness. The health insurance of EDUCARE24 does not comprise a deductible.
EDUCARE24 is more than just an ordinary travel health insurance policy. In addition to comprehensive health insurance abroad, it also provides you with accident, liability and deportation costs insurance.
It only takes a few minutes to purchase EDUCARE24 through our secure server. You will then receive the following documents:
If you do not yet have a German bank account, you can still conclude EDUCARE24 insurance before you arrive in Germany. After your arrival and opening a bank account, please let us know your account details so that we can activate the insurance and start the monthly direct debit.
EDUCARE24 is a supplementary insurance covering all time periods not covered by compulsory health insurance. Foreign students can usually only acquire compulsory health insurance during a short period at the beginning of their main studies. For the time preceding their main studies and for most other cases we recommend EDUCARE24.
Costs for medical examinations and treatments due to pregnancy and birth are covered by EDUCARE24 if the pregnancy occurs after the beginning of your insurance cover.
You will receive a medical info card (Ärzte-Info-Ticket) together with your insurance certificate. If you provide this ticket to your doctor or to the hospital, we can settle the billing directly with the doctor or the hospital.
Children and adolescent persons can be enrolled under the EDUCARE24 insurance plan. For children under 6 years, insurance can only be effected if the accompanying legal guardian is also insured under the same EDUCARE24 tariff version.
Premiums are calculated depending on the number of months or part thereof. Should you return home 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.
It is of no importance to EDUCARE24 insurance coverage if you have a side job in addition to your primary cause of residence. You should, however, clarify with your employer if such a side job is subject to social insurance contributions.
Insurance coverage also includes worldwide trips and stays abroad up to a maximum duration of six weeks, even in your homecountry. 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.
With EDUCARE24, you have exactly one contact partner. Consultancy, contract handling, payment processing and claims settlement will be dealt with by our staff.