Will your PROTRIP-WORLD insurance cover your expenses of a booked flight you’re not able to…
Will your PROTRIP-WORLD insurance cover your expenses of a booked flight you’re not able to cancel?
No, travel expenses are not covered by the international health insurance.
We recommend: Contact your hotel or airline to clarify whether a goodwill arrangement (rebooking or cancellation) is possible.
You want to take part in sports activities offered by your high school or university or you like skiing, hiking, cycling or water skiing? With PROTRIP-WORLD, all these activities are insured.
No insurance coverage is provided for motorcycle or car racing, parachuting, paragliding, bungee jumping, base jumping, mountaineering (with climbing gear), free climbing as well as sport diving and scuba diving.
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 should you do in case you need treatment at the 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.
Why are you asked in case you have children?
You are asked if you have children, as this has an impact on the monthly contribution. Persons without children over 23 pay a supplement to the long-term care insurance.
LAC stands for Living Abroad Community e. V. The LAC is an association that looks after the interests of people living abroad temporarily as well as during short-term and long-term stays for personal or professional reasons and provides them with information and services. The purpose of the association is to be achieved in particular through:
– Providing advice and support to the above mentioned group of people in all economic, legal and social matters of their personal and family life that result from their stay abroad.
– Negotiating with authorities, associations, public insurance institutions and all other public and private bodies and institutions about the specific problems, needs and wishes of the above mentioned group of people that result from their stay abroad in order to improve their situation.
– Concluding agreements on special conditions for the above mentioned group of people regarding the purchase of goods and services.
Learn more about Living Abroad Community e. V.
What should you do in the even of an illness?
Primary care physicians are responsible for diagnosis and therapy and coordinate the need for further treatment. This includes assessing if they are able to carry out the treatment themselves or if it is necessary to consult a specialist.
This makes it easier to coordinate therapies and to avoid that examinations are carried out twice. It furthermore helps to avoid incompatible therapies, interlink medical benefits and reduce costs. This recommendation does, of course, not apply to necessary visits of gynecologists, eye specialists, emergency physicians or doctors on call.
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.
