Which health insurance has no deductible? “Deductible” means that the insured person is obliged to…

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 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?

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.

Can your EDUCARE24 insurance cover the expenses that you cannot cancel?

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

What is some information for guest scientists after their stay abroad?

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.  

Will you be insured from viruses?

Corona infection insured! If you get ill with COVID-19 during your journey, PROTRIP-WORLD offers you protection. The medical treatment of the coronavirus infection is insured.

What are some of the deportation costs insurance for students?

In case of an officially ordered deportation of the visitor, the insurance policy covers the incurring costs up to €4,000 if claims are made against the host. Unlike former policies, the current deportation costs policy also provides coverage after the expiration of insurance if the visitor, against all expectations, has not left the Federal Republic of Germany.

What can you do in case you do not receive the documents by email?

Following your application, you will immediately receive an email with your insurance certificate along with customer information and product information. If you did not receive an email, please check the mentioned email address and take a look in the SPAM folder.