Do you need EDUCARE24 for your studies in Germany? With our online consulting tool you…

Do you need EDUCARE24 for your studies in Germany?

With our online consulting tool you can easily find out if EDUCARE24 is the right choice for you. You only have to enter a few details about you and your planned studies in Germany, and our consulting tool will present you the cheapest insurance solution tailored to your needs.

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?

Why can you only conclude EDUCARE24 at the age of 30+?

Students who are enrolled at state or state-recognized universities are subject to public insurance until their 30th birthday. From the 30th birthday, students can no longer insure themselves in the public student health insurance. In these cases, we recommend EDUCARE24 XL, our comprehensive cover consisting of travel health insurance, accident insurance, personal liability insurance and deportation costs insurance.

What can you do in case of damages as a result of an accident?

An accident is a sudden, unexpected, involuntary and external event taking place at a certain time and place and causing damage to a person’s health. Medical treatments that become necessary as a result of an accident are covered by health insurance. Permanent impairment or death as a result of an accident is covered by accident insurance. Accident insurance also provides financial assistance in case of plastic surgery, rescue costs or long-term hospital stays as a result of an accident. Please notify us immediately in case of an accident. Notification of damages as a result of an accident is handled by: DR-WALTER GmbH Abteilung Leistung Eisenerzstr. 34 53819 Neunkirchen-Seelscheid Germany Email: claims@dr-walter.com Tel: +49 (0) 2247 9194 -31 Fax: +49 (0) 2247 9194 -20

Will you still be covered with insurance even if the Foreign Office has issued a travel warning?

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.

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 is a blocked account?

Of course, there are various forms of blocked accounts. In this section we provide information about the blocked account you probably need if you want to study in Germany and if your home country does not belong to the European Union or the “Schengen states”. Among others, this applies to:

• • Turkey
  • China
  • India

• Russia
• Ukraine
• Cameroon
• Vietnam
• South Corea
• Morocco

In these and many other countries you need to prove your ability to support yourself during your stay in Germany when applying for a visa. The most common method to fulfill this requirement is opening a German blocked account. Please contact the responsible embassy or consulate general if you want to find out whether you need a blocked account for your visa.

What is the 3-D secure procedure?

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.