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.

How does a Blocked Account actually work?

You need to deposit a specific amount as required by law into the Blocked Account. Currently, €853 have to be paid into the account for each month you stay in Germany. If you are requested to deposit more than €800 each month by a visa authority, you will need an official document from them stating the request in order to deposit the money. The deposited amount will remain blocked until you arrive in Germany. Another peculiarity of a Blocked Account is that you can only withdraw or transfer a limited amount of money. You may withdraw a maximum of €800 per month unless you have deposited a higher amount.

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”.

Will the insurance cover continue to work even in the case that the Foreign Office has issued a travel warning?

Yes, PROTRIP-WORLD’s international health insurance protects you both when traveling in countries for which the German Foreign Office has issued a travel warning and in case of illness related to a pandemic.

Do you need EDUCARE24 for your studies in Germany?

With our online consulting tool you can easily find out if EDUCARE24 is the right choice for you. You only have to enter a few details about you and your planned studies in Germany, and our consulting tool will present you the cheapest insurance solution tailored to your needs.

What is the type of insurance that the PROTRIP-WORLD offers?

Perfectly insured with PROTRIP-WORLD! All-round insurance cover for au pairs, high school participants, Work and Travel participants, volunteers, interns, language and exchange students, undergraduates, postgraduates and other travelers. You should not make any compromises when choosing your international travel insurance. Especially for longer stays abroad it is advisable to rely on extensive benefits and first-class care. PROTRIP-WORLD is suitable for all young people up to 49 years of age and can be taken out for up to 24 months. The big plus: PROTRIP-WORLD can even be taken out during the trip. Because au pairs, high school students, Work and Travel participants , volunteers, trainees, language and exchange students or students or doctoral students face very special challenges during their trips, PROTRIP-WORLD was designed to meet these needs. We know what moves you. For 60 years, DR-WALTER has provided international health insurance policies for youth and educational travel and each year, many thousands of satisfied clients rely on the comprehensive cover of our insurance solutions.

Why is Germany so attractive to tourists from all over the world?

Some of the main attractions in Germany are: The Neuschwanstein Castle, Octoberfest, Brandenburg Gate. The Nuremberg Christmas Market, Reichstag Building. And much more are these beautiful destinations and events that attract many tourists from around the globe, to apply for a German Visa and visit.

What should you do in the even of damages as a result of an accident?

An accident is a sudden, unexpected, involuntary and external event taking place at a certain time and place and causing damage to a person’s health. Medical treatments that become necessary as a result of an accident are covered by health insurance. Permanent impairment or death as a result of an accident is covered by accident insurance. Accident insurance also provides financial assistance in case of plastic surgery, rescue costs or long-term hospital stays as a result of an accident. Please notify us immediately in case of an accident. Notification of damages as a result of an accident is handled by: DR-WALTER GmbH Abteilung Leistung (Claims Department) Eisenerzstr. 34 53819 Neunkirchen-Seelscheid Germany Email: claims@dr-walter.com   Tel: +49 (0) 2247 9194 -31 Fax: +49 (0) 2247 9194 -20