Will your insurance cover you during your travel back home? I am returning to my…

Will your insurance cover you during your travel back home?

I am returning to my home country prematurely due to the coronavirus. Does GERMAN STUDENT INSURANCE still provide protection? Language students, interns, doctoral students and students from the age of 30 In principle, insurance cover also exists for a certain period of time in case of interruption of the stay abroad. Due to the development of COVID-19, you cannot estimate how long your stay in your home country will last. Therefore, we recommend that you cancel your EDUCARE24 insurance immediately after entering your home country. Please inform us about this. An e-mail is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. You will only pay the premiums that have accrued until the receipt of your notification. Tip: Please contact your last insurance company in your home country to reactivate your previous insurance immediately

Will you costs be covered in your home country if you get infected on the way home?

EDUCARE24 insurance coverage ends upon entry into your home country. Please contact your last insurance company in your home country to reactivate your previous insurance immediately.

What are the fees you have to pay for your blocked account?

You only need to pay a one-off set-up fee of €49 for your GBA Blocked Account. In addition to that, there are monthly costs of €5 for the management of the account. Moreover, a safety buffer of €100 has to be paid. However, this amount is no additional expense for you because it is usually refunded when you close your blocked account.

Why is the number of visitors in Germany so high every year?

With the beautiful sceneries Germany has, the wonderful food, the hospitality, the events and the opportunities that it offers not only to the people living there but to everyone no matter where they’re from. It is no surprise that Germany has a lot of visitors all year round.

What is the country which broke records with its Visa acceptance rate?

Everyone knows that it is very open and this can be proven by the statistics that show. Out of 15,000 Armenian applicants, 13,500 got their visa issued and were able to go to Germany!

What is the amount of money you have to deposit in my blocked account?

In general, around €800 for every month of your stay in Germany are required as a monthly blocked amount. Please have a look at our example calculation for a 12-months’ stay. If you plan to stay in Germany for more than one year, you can renew your blocked account after the end of 12 months.

What are some of the benefits that the TK Public Health insurance provides?

TK student insurance fulfills all requirements prescribed for a German public health insurance by the legislator. Among others, this includes:

• Direct billing with physicians and hospitals without advance payment
• Medical, dental and psychotherapeutic treatment
• Treatments for the preventive recognition of diseases
• Treatment in order to prevent and alleviate diseases as well as contraception and termination of pregnancy
• Provision with medicine, dressing material and medical appliances
• Treatment of pre-existing illnesses
• Inpatient medical treatment without temporal restrictions
• Treatment of spouse and children
• Easy extension of contract in case of the necessity to study for some more semesters

TK public health insurance offers much more than the legally prescribed minimum care. TK will also cover the costs for homeopathic treatments, travel vaccinations and sports-medical examinations. You will find more details in the TK Infosheet.

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?