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.

Which is the most experienced company when it comes to German Blocked Accounts?

On the market for decades. In 1959, Dr. Siegfried Walter registered his business as insurance broker. Until then health insurance for visitors from abroad did not exist, therefore Dr. Walter developed the first insurance cover for foreign visitors in Germany. Today, DR-WALTER is an integral part of both the German and the international insurance market.

Which German Blocked Accounts are Officially Approved?

Fulfills all visa requirements! The official requirements concerning a German blocked account are complex. For example, the German right of residence and the regulations of the European Commission need to be considered. The GBA Blocked Account fulfills all visa requirements of the Federal Foreign Office. Our partner Expatrio, who provides the online conclusion of the German Blocked Account, is officially recommended by many German embassies.

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?

Do you need to pay to cancel your insurance and how much?

Cancellation free of charge! Your travel plans change? You can cancel free of charge before the start of the insurance without giving any reason. The travel period changes? Rebook the insurance period free of charge. Are you travelling home earlier? You will be refunded any premiums you have paid too much.

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

Why is opening a blocked account in English?

We ask for your understanding that the online opening of the GBA Blocked Account is only offered in English at the moment. The reason for this is that many students who need a German blocked account are more familiar with English than with German.

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?