How does the PROTRIP-WORLD insurance actually work? Information for Work and Travel participants – The…

How does the PROTRIP-WORLD insurance actually work?

Information for Work and Travel participants – The PROTRIP-WORLD insurance for Work and Travel participants adapts to your travel plans. You have the choice between different travel regions and you can also flexibly choose the scope of insurance: PROTRIP-WORLD always includes a strong international health insurance. We especially recommend Work and Travel participants to supplement their insurance cover with the Comfort or Plus Package to be able to travel and work without worries. The two packages differ in the scope of the liability insurance. The Plus Package includes a higher basic insurance sum and covers, for example, the risk of losing your keys and damages arising from an act of favor.

What should you do in case you need treatment at the hospital?

During the admission, please present your insurance card and the Ärzte-Info-Ticket (medical info card) which you received with your insurance certificate. Hospitals usually contact us after the admission and the billing will be settled directly with the hospital. The policy covers emergency treatment and urgent operations within compulsory health insurance without optional services. If such inpatient treatment is not an emergency treatment, we recommend arranging the details of the planned therapy beforehand with our claims department. This way, we can help you to minimize any financial risk.

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?

Will you be covered for an infection?

Fever, cough, signs of corona infection? You can rest assured. With EDUCARE24’s insurance cover, you don’t need to fear high medical costs. The medical treatment of the corona virus infection is covered. In addition, EDUCARE24 includes coverage up to 90 days for medical expenses should you be forced to stay abroad for a longer period of time due to the infection.

Which is the most comprehensive health insurance?

EDUCARE24 is more than just an ordinary travel health insurance policy. In addition to comprehensive health insurance abroad, it also provides you with accident, liability and deportation costs insurance.

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.

What should you do in the even of an illness?

Primary care physicians are responsible for diagnosis and therapy and coordinate the need for further treatment. This includes assessing if they are able to carry out the treatment themselves or if it is necessary to consult a specialist. This makes it easier to coordinate therapies and to avoid that examinations are carried out twice. It furthermore helps to avoid incompatible therapies, interlink medical benefits and reduce costs. This recommendation does, of course, not apply to necessary visits of gynecologists, eye specialists, emergency physicians or doctors on call.

Will you get the reasons of your rejection from the embassy?

If you get your Visa rejected, you will get a letter by the embassy stating the reasons why you didn’t get your Visa issued! With that information you can either try applying again or write them an appeal letter if you think your application was correct and didn’t need any more documents. Make sure before you do that you go to a counselor.