Should you inform your insurance provider in case you need to travel to a different…

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 Techniker Krankenkasse (TK)?

Techniker Krankenkasse (TK) is the largest provider of public health insurance in Germany. Due to its great price/performance ratio and its excellent customer service, TK is especially popular with students from Germany and abroad. TK attaches the greatest importance to providing perfect service to its insured in all situations of life and offers advice concerning all questions about health and well-being at any time. TK provides a state-of-the-art online service and an English-speaking 24/7 service hotline.

What is the AIESEC?

Informations for AIESEC – Insurance cover belongs in your baggage! The goal and task of the student organization AIESEC is to help students around the world to grow into socially relevant roles through leadership experience. By participating in social projects or internships abroad, you will expand your professional skills, improve your foreign language skills and increase your intercultural communication skills. AIESEC supports you in your preparations for going abroad, you have to take care of the insurance coverage yourself. Under no circumstances should you travel abroad without a suitable international insurance policy.

What is the TK public health insurance?

Students from abroad need to have proof of public health insurance when enrolling at a German university. We recommend the student insurance of Techniker Krankenkasse, which meets all official requirements for obtaining a visa.

What are some of the requirements that the PROTRIP-WORLD meets as a visa for the USA?

PROTRIP-WORLD meets the requirements for J 1 Visa in the USA. Apart from the J2-, F1- und F2-Visa requirements, PROTRIP-WORLD meets all the insurance criteria which the Department of State has stipulated for J1 visa exchange programs in the USA. These include, among others, a minimum coverage of $100,000 for medical treatment in case of illness and accidents, a coverage of $25,000 for the repatriation of remains in case of death. Excellent rating by international rating agency The financial strength of Allianz Worldwide Care SA has been evaluated by one of the leading international credit rating agencies, Standard & Poor’s, and rated AA (excellent). You can rest assured that even in uncertain times like these, PROTRIP-WORLD is backed by a solid and reliable partner.

Why are you asked in case you have children?

You are asked if you have children, as this has an impact on the monthly contribution. Persons without children over 23 pay a supplement to the long-term care insurance.  

Will you get quality and good service from the TK Student Insurance provider?

With TK student insurance you profit from a wide range of benefits at low premiums. TK student insurance does not only include the benefits you are usually offered by German health insurance providers. It also covers treatments which do not belong to the standard benefits. When evaluated by the trade press, TK regularly occupies top positions, e.g. in the category “Germany’s best health insurance fund for students” (according to Focus Money). Moreover, TK has an excellent customer service. All important matters, such as changing your address or your account details, can be easily attended to online. Billing with doctors and hospitals is easy, too: You only need to present your insurance card every time you visit a doctor.

What can happen in case you have unpaid direct debits?

Please avoid any chargebacks. Every chargeback causes an enormous administrative amount along with bank charges. For any unpaid direct debit, we will have to charge the resulting fees imposed on us, if you are the one responsible for the unpaid direct debit (for example as a result of revocation, incorrect information or insufficient account balance).