What is the 3-D Secure procedure like? If you pay by credit card, we use…

What is the 3-D Secure procedure like?

If you pay by credit card, we use the 3-D Secure procedure. It provides additional security for your credit card transactions and reduces the risk of fraud due to card misuse. You first enter your credit card number. A connection will then be established with the card issuer so that you can confirm your identity, for example by entering a code. If the authentication was successful, the credit card payment is executed. The 3-D Secure procedure should not be confused with your credit card’s check number (CVC). In order to use the 3-D Secure procedure, you must register with your bank/credit company, which usually takes a few days.

What is the number of visitors that have chosen Germany as their destination?

With around 450 million tourists, Germany certainly is one of the most visited countries in the world. It must be said that Germany is a dynamic and beautiful place like no other!

Are your plans to work abroad as an au pair?

In this case you should at least buy the Comfort Package. Liability claims within the scope of the au pair activity are insured up to 1 million Euro. This coverage is also valid for language students who live with families with children and carry out similar activities as au pairs. However, we recommend the conclusion of the Plus Package, because it covers additional claims which can occur within the scope of an au pair activity. The key loss risk as well as damage to the host family’s property are examples of this.

Do you have to transfer the amount in one large sum?

Yes, please transfer the amount in one lump sum in order to make sure that we can send you the confirmation of the account opening on the next day at the latest.

What are some of the costs for language students and interns/trainees when it comes to deportation?

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.

Will the costs of medications 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 we received the related (doctor’s) invoice along with the diagnosis.

How should you prepare for an upcoming hospital stay?

If you are admitted to a hospital, you will be asked about your insurance cover. As a student you are covered by your international health insurance. The policy covers treatment within compulsory health insurance without optional services. The easiest way for you is to present your “Ärzte-Info-Ticket” (medical info card) during the admission. Here you can print out your “Ärzte-Info-Ticket”: Ärzte-Info-Ticket (medical info card) (German). After your admission, the hospital will contact us and, under normal circumstances, we will then settle the billing directly with the hospital. Inpatient treatment without emergency situation! If an 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. Contact us.

What can you do in the even that you have liability losses?

Liability insurance deals with financial claims caused by your misconduct. Under statutory regulation, the policy covers the risks of everyday life and includes any third-party claims. Please notify us immediately in case of liability losses. Notification of liability losses is handled by: DR-WALTER GmbH Abteilung Leistung (Claims Department) Eisenerzstr. 34 53819 Neunkirchen-Seelscheid Germany Email: claims@dr-walter.com Tel: +49 (0) 2247 9194 -31 Fax: +49 (0) 2247 9194 -20