What is the 3-D secure procedure? If you pay by credit card, we use the…

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.

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.

Who is not eligible to be insured as a family?

Family members who are fully self-employed, privately insured, exempt from public health insurance as civil servants or persons who are subject to public health insurance themselves cannot be insured in the family insurance.

What can you do in the even that you start having a toothache?

Please inform your dentist about the details of your insurance coverage by providing him with our Ärzte-Info-Ticket (medical info card) prior to the treatment. In case of toothache, you usually receive immediate dental treatment. Such treatment aims to reduce pain and to treat the respective tooth. As with any other travel health insurance, the policy covers simple fillings (emergency dental treatment) for the relief of new and acute pain. For details, go to: What to do in the event of toothache?

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.

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.

What should you keep in mind after you finish your stay abroad as a student?

You should always keep your insurance certificate since the authorities in a number of home countries require proof of insurance for the time spent abroad.

In what way will your invoices be refunded?

If you submit your “Ärzte-Info-Ticket” (medical info card) to the physician or to the hospital prior to the treatment, we can settle the bill directly with the doctor or hospital. If your doctor does not want to settle the bill directly with DR-WALTER, you will receive an invoice after the treatment. For details, go to: How are your invoices refunded?