Will you need a German Blocked Account? In general, students from non-European countries need a…

Will you need a German Blocked Account? In general, students from non-European countries need a German blocked account for their studies in Germany. As is the case with the topic “health insurance in Germany”, you need to consider many requirements and regulations. So as a layperson, it is easy to lose track. But don’t worry! The experts from DR-WALTER developed the ideal online solution in cooperation with the IT specialists from Expatrio: the GERMAN BLOCKED ACCOUNT. If you want to open this German blocked account, you do not have to get into all the details in order to get the right blocked account for your needs. With the GERMAN STUDENT INSURANCE you can unbureaucratically and easily open a German blocked account. Within a very short time you will get the official confirmation of your blocked account which you need for submission to the authorities. With the GERMAN BLOCKED ACCOUNT and the GERMAN STUDENT INSURANCE you are perfectly equipped for your studies in Germany.

Which insurance covers all the official legal requirements?

Insurances for foreign guests have to meet many requirements. Some of the specifications which need to be given attention to are the regulations of the European Commission, the “Freizügigkeitsverordnung/EG” and Germany’s right of residence. The policy EDUCARE24 provides unlimited coverage of medical costs, thus exceeding the required coverage of 30,000 euros.

How does the PROTRIP-WORLD insurance actually work?

Information for Work and Travel participants – The PROTRIP-WORLD insurance for Work and Travel participants adapts to your travel plans. You have the choice between different travel regions and you can also flexibly choose the scope of insurance: PROTRIP-WORLD always includes a strong international health insurance. We especially recommend Work and Travel participants to supplement their insurance cover with the Comfort or Plus Package to be able to travel and work without worries. The two packages differ in the scope of the liability insurance. The Plus Package includes a higher basic insurance sum and covers, for example, the risk of losing your keys and damages arising from an act of favor.

What is the purpose of having a blocked account?

With a German blocked account you can prove your ability to support yourself during your stay in Germany. The account will be blocked until you arrive in Germany. Once you have access to the account, a restriction applies: There is a limitation on the amount that can be withdrawn or transferred per month unless you have paid in more than the demanded minimum blocked amount. In the latter case, higher monthly withdrawals can be agreed. In general, you need to deposit €800 for each month you plan to spend in Germany. This means you have to deposit a minimum sum of €10,000 if you want to spend one year in Germany. However, you do not have to worry about these details now. All relevant questions will be clarified during the online opening of your new blocked account.

Will the German Student Insurance cover the expenses of a booked flight which you’re not able to cancel?

No, travel expenses are not covered by the health insurance. We recommend: Contact your airline to clarify whether a goodwill arrangement (rebooking or cancellation) is possible.

What does exemption from compulsory health insurance mean?

You can get an exemption from the requirement to take out public health insurance and conclude private health insurance at the official beginning of your subject-related studies. However, taking out private health insurance only makes sense for students who cannot conclude public student health insurance, e.g. if you are more than 29 years old. In these cases, we recommend EDUCARE24 XL insurance protection. Please note that the following applies after the official beginning of your studies: Once you have taken out private health insurance, you cannot switch to public student health insurance anymore.

Which type of visa is the right type?

Because there are many types of Visas out there, be careful which one you apply to depending on the reason you want to go to Germany. If you want a new job then apply for a Job Seeker Visa, if you want to study there then the Studying & Language Learning Visa is the right one. If you want to travel around or need a visa for a short business trip to Germany, then apply for the Schengen Visa or the Tourist and Visitor Visa. And lastly, if you want to go there to be reunited with your relatives, apply for the Family Reunion Visa.

What should you do in the even of liability losses?

Liability insurance deals with financial claims caused by your misconduct. Under statutory regulation, the policy covers the risks of everyday life as well as any activities as an intern. The policy includes any third-party claims as well as any personal damage to the host family and other persons living in the household caused by an au pair up to the maximum sum insured; in addition, the policy also covers damage to immovable property of the host family. 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(at)dr-walter.com   Tel: +49 (0) 2247 9194 -31 Fax: +49 (0) 2247 9194 -20