Will you have to conclude public health insurance as a student? Students up to age…

Will you have to conclude public health insurance as a student?

Students up to age 29 need to have public health insurance during their subject-related studies. We recommend Techniker Krankenkasse (TK). If you have not started your subject-related studies yet, you cannot take out public student health insurance. This is also not possible for students from the age of 30. In these cases the private health insurance EDUCARE24 is the ideal insurance solution.

What should you and can you do in the case of an illness?

Foreign visitors are covered by private travel health insurance. Such health insurance covers only acute medical treatment of newly occurred illnesses. Please consider the following three rules of conduct for outpatient treatments:

1. Please consult a general practitioner before seeing a specialist or going to hospital.
2. Please provide the physician with our Ärzte-Info-Ticket (medical info card) prior to the treatment.
3. Please tell your doctor that some treatments require approval and that you need a medical costs projection for these treatments.

Will you need a blocked account for your stay in Germany?

Proof of a blocked account is usually one of the prerequisites for obtaining a visa. If you do not know whether you need a visa for your stay in Germany, please look at this official list of the Federal Foreign Office. Here you can find all countries for which a visa is required as well as additional information.

Is your data secure?

When purchasing our policy online, all information is sent through a secure connection. We use your data only for fulfilment of the insurance contract. For more information, go to our section on Data protection.

Will travel expenses be covered by the insurance?

No, travel costs are not covered by the foreign health insurance. We recommend: Contact your travel company to clarify whether, for example, the airline will offer you a goodwill arrangement (free rebooking or cancelation of your trip).

Will your medication costs be paid for?

Any medication needs to be medically necessary or prescribed by a doctor. You will receive your medication by taking the prescription to a pharmacy. The original prescription can then be submitted to us for a refund of the costs. The policy does not cover medication that can be bought at a pharmacy for free and without a doctor’s prescription. Please note that we can only process a prescription after receiving the related (doctor’s) invoice along with the diagnosis.

Why should you take a look at our consulting tool?

At the end of the needs assessment, we will present you your ideal insurance combination, consisting of private and public health insurance. If our offer appeals to you, you can immediately apply for insurance.

In what way will your invoices be refunded?

If you submit your “Ärzte-Info-Ticket” (medical info card) to the physician or to the hospital prior to the treatment, we can settle the bill directly with the doctor or hospital. If your doctor does not want to settle the bill directly with DR-WALTER, you will receive an invoice after the treatment. For details, go to: How are your invoices refunded?