Does your trip include an internship? Then the Plus Package is the right choice for…
Does your trip include an internship?
Then the Plus Package is the right choice for you. Damages occurring during internships, which are part of university studies or an Erasmus Plus program, are insured up to 5 million euros and without a deductible.
Damages occurring during internships, which are not part of university studies or an Erasmus Plus program, are also insured up to sum of €10,000 and subject to a deductible of €100 per claim
Does it matter if the countries that you’re going to visit belong to different premium categories?
Please proceed as follows:
Changing area of validity up to 6 weeks
If your stay in a country which belongs to a different area of validity does not exceed 6 weeks, you do not have to do anything. You have worldwide insurance coverage up to 6 weeks.
E.g.: You travel to Panama for 6 months. On your way back home, you want to make a four-week stopover in the USA.
Please choose “Worldwide travels excluding USA/Canada” as area of validity for the complete duration of your journey.
Changing area of validity for more than 6 weeks
Your family will be covered by public health insurance, too, if you have public health insurance during your studies.
In case you cannot take out public health insurance due to your age or because you take part in preparatory courses, you can take out EDUCARE24 for yourself and your family. Please note that all members of your family need to choose the same tariff.
Our online consulting tool will show you which EDUCARE24 tariff (S, M, L or XL) is the right choice for you and your family. Just get started.
What are some of the options that you have with the PROTRIP-WORLD?
With PROTRIP-WORLD the choice is yours.
Comprehensive insurance package or low budget insurance – PROTRIP-WORLD can be everything.
By buying one of the additional package consisting of accident, liability, baggage and assistance insurance, you will get comprehensive insurance cover. In addition to that you can choose between the insurance with or without a deductible.
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.
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.
Will my current health insurance be sufficient for my studies in Germany?
For students from non-European countries the answer is “no”. If you come from a non-European country, taking out a German health insurance is required by law. Without a German health insurance you will not get a visa and cannot enroll at a German university.
For students from Europe the requirements are not that strict. However, we recommend you seek advice from your health insurance provider.
What can happen in case you have unpaid direct debits?
Please avoid any chargebacks. Every chargeback causes an enormous administrative amount along with bank charges.
For any unpaid direct debit, we will have to charge the resulting fees imposed on us, if you are the one responsible for the unpaid direct debit (for example as a result of revocation, incorrect information or insufficient account balance).
