Which health insurance has no deductible? “Deductible” means that the insured person is obliged to…

Which health insurance has no deductible?

“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.

Will your insurance cover you during your travel back home?

I am returning to my home country prematurely due to the coronavirus. Does GERMAN STUDENT INSURANCE still provide protection? Language students, interns, doctoral students and students from the age of 30 In principle, insurance cover also exists for a certain period of time in case of interruption of the stay abroad. Due to the development of COVID-19, you cannot estimate how long your stay in your home country will last. Therefore, we recommend that you cancel your EDUCARE24 insurance immediately after entering your home country. Please inform us about this. An e-mail is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. You will only pay the premiums that have accrued until the receipt of your notification. Tip: Please contact your last insurance company in your home country to reactivate your previous insurance immediately

Is your data secure?

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

Will the insurance cover continue to be even if the foreign health office has issued a travel warning?

Language students, interns, doctoral students and students from the age of 30 Yes, EDUCARE24’s international health insurance protects you both when traveling in countries for which the German Foreign Office has issued a travel warning and in case of illness related to a pandemic. Students up to age 29 Yes, there is still insurance cover in Germany by Techniker Krankenkasse (TK).

What are some of the questions that you should clarify before you decide on an insurance?

Here are some questions that you should clarify before taking out an insurance:

• Does the insurance meet the requirements of the destination country?

You can get information on this e.g. from the responsible embassy or consulate.

• Are the benefits of the health insurance sufficient?

A good health insurance should offer you protection in case of illness and accident and cover medically reasonable return transport. Furthermore, the costs for individual treatments should not be limited and illnesses should not be generally excluded from the insurance cover.

• Is there protection in case of interruption of your work, for example for a holiday?
• Does the insurance also cover sports accidents?

What are some benefits of the Free Travel Health insurance?

The most important benefits of Free Travel Health Insurance are:

• Outpatient and inpatient medical treatment
• Dental treatment for pain relief and simple fillings (amalgam fillings) as well as repairs of dentures
• Medically necessary or prescribed return transport
• Expenses for the repatriation of the insured person’s mortal remains in the event of death or funeral expenses up to €30,000

You will find a full description of benefits and benefit exclusions in the General Insurance Conditions (German).

Will you be covered if you are infected on your way home?

Upon arrival to your home country, both EDUCARE24 and Techniker Krankenkasse (TK) insurance coverage ends. Please contact your last insurance company in your home country to reactivate it immediately.

Will you need to conclude private or public health insurance while in Germany?

GERMAN STUDENT INSURANCE offers insurance combinations which are tailored to your needs, depending on your age and your purpose of stay. Language students, interns and doctoral students Students who have not started their subject-related studies, yet, cannot take out public health insurance. The private health insurance EDUCARE24 provides comprehensive cover for language students, interns and doctoral students. EDUCARE24 can be taken out in various insurance combinations (S, M, L, XL), so it is tailored to your individual needs. We recommend EDUCARE24 M, our comprehensive cover. EDUCARE24 M consists of travel health insurance, accident insurance, private liability insurance and deportation costs insurance. EDUCARE24 L additionally includes a wider range of dental treatments. EDUCARE24 XL is the right solution for persons who also want to make use of benefits within the framework of public programs up to a value of € 500 per year of insurance. EDUCARE24 S is limited to health insurance. Students up to age 29 You will be comprehensively covered by the student insurance of Techniker Krankenkasse during your studies. If you arrive in Germany before the start of your semester, DR-WALTER will provide you with a free additional cover. Students from the age of 30 Students from the age of 30 cannot take out public student health insurance. We recommend our comprehensive cover EDUCARE24 XL for the complete duration of your stay. EDUCARE24 XL consists of private health insurance, accident insurance, private liability insurance and deportation costs insurance. Our online consulting tool will quickly and easily present you the ideal insurance solution for your needs.