How should you prepare for an upcoming hospital stay? If you are admitted to a…

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.

Should you inform your insurance provider in case you need to travel to a different country from the one you originally intended to?

You do not have to inform us if you choose to travel to a different country as long as the alternative country belongs to the same area of validity as the country you indicated. If the alternative country belongs to a different area of validity and if you stay there for more than 6 weeks, you need to inform us. Please also note the FAQ “I want to travel to more than one country, and these countries belong to regions with different areas of validity. Which insurance should I purchase?” in the section “Questions regarding application”.

What is the visa that you need to travel to Germany if you do not live in the EU?

If you’re not from one of the EU countries, then unfortunately you need to apply for a German Visa in order to be able to travel there. The good thing is, around 62 countries can enter Germany without a Visa, so we suggest you check if your country is on the list!

Will a stay in your home country be covered?

You want to interrupt your stay abroad for a few days in order to spend some time at home? No problem. If you interrupt your stay abroad and spend time at home, you will have insurance cover for 6 weeks. You can also travel home several times as long as the overall duration does not exceed 6 weeks. There will be insurance cover for costs resulting from an accident or from an acute and newly acquired illness. If you travel to your home country at the end of the insurance period, this is not considered to be an interruption of your stay abroad. In this case, insurance coverage ends as soon as you arrive in your home country.

Which is the most reliable and competent German blocked account?

The required minimum blocked amount for an officially approved blocked account is usually more than €10,000, so you want to be sure that your money is in good hands. Expatrio cooperates with the escrow services and payment provider MANGOPAY. MANGOPAY is an online payment technology designed for marketplaces, crowdfunding platforms and sharing economy businesses. MANGOPAY provides the trustee services and payment technology underlying Expatrio’s blocked account. Expatrio’s blocked account is tailored to each customer and it enables individual accounts for each customer, including an individual IBAN. With the MANGOPAY technology, funds can be held securely for as long as needed. MANGOPAY holds an E-Money Issuer license, which enables expatrio to accept payments, hold the funds in escrow and pay out with ease, speed and efficiency. The German Federal Foreign Office confirms that Expatrio fulfills all requirements for visa application. So the money in your blocked account and the legally secure management are in good hands with Expatrio and its partner MANGOPAY, and you can be sure that your blocked account will meet the visa requirements.

Will quarantine costs be covered by the foreign health insurance?

Quarantine costs are not covered by the foreign health insurance. Quarantine is often prescribed as a precautionary measure. This is not a medically necessary treatment. If you fall ill with the coronavirus during quarantine, the treatment is of course insured.

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.

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