Health insurance for expatriates and emigrants
Care Expatriate

Insurable persons are

• persons in countries worldwide with permanent residency in the Federal Republic of Germany, Austria, the countries of the European Union, the member states of the Schengen Agreement, Switzerland and Liechtenstein
• persons with permanent residency worldwide during stays in the Federal Republic of Germany, Austria, the countries of the European Union, the member states of the Schengen Agreement, Switzerland and Liechtenstein
• persons with permanent residency in the Federal Republic of Germany, Austria, the countries of the European Union, the member states of the Schengen Agreement, Switzerland and Liechtenstein when staying in the aforementioned countries
• persons who pursue gainful employment in the context of a working or employment relationship or who pursue commercial or freelance employment and earn regular income from such employment.
• only persons who are insured under the "Care Expatriate" plan

The maximum entry age is 66 years old.

The maximum duration of coverage is 5 years (incl. all extension) for stays in Germany.

Persons taking out a 5-year policy valid outside of Germany will receive a one-time acceptance guarantee for a follow-up policy for a maximum period of a further 5 years. In addition, a policy extension for up to a maximum of 5 further years can be applied for any number of times until reaching the age of 67.

The daily sickness allowance insurance plan, Care Cash, compensates for expenses incurred during an extended illness or injury resulting in a loss of income.

The geographic scope of the Care Cash plan also covers so-called “crisis regions,” but with the following limitation: the insurance provider is under no obligation to provide coverage for any illnesses and their consequences, and for the consequences of accidents or deaths, which are directly or indirectly caused by events of war or civil war, riot, civil uprisings and unrest, terrorism or other hostilities, even without a declaration of war. However, insurance coverage exists if the insured person is unexpectedly affected by one of these events during his/her stay abroad. This insurance coverage shall expire seven days after the Federal Foreign Office has issued a travel warning for the territory of the state in which the insured person is staying (war region).

The contract ends:

• on the date agreed upon
• upon completion of the insured person’s 67th year of life
• when gainful employment has been given up
• upon the death of the policyholder
• in the case of temporary stays in Germany, with the policyholder's departure from Germany. In this case, the insured person has the right to continue receiving coverage by naming a new policyholder.
• if the conditions for the stay abroad are no longer fulfilled
• at the end of the stay abroad
• with the end of the foreign health insurance coverage

What is covered under the are Cash plan?

A daily sickness allowance is paid at the agreed upon level, up to a maximum of 90% of the average net salary, converted to the calendar day, of the last 12 months of insured activity with the same employer. Special payments are not taken into account when calculating the daily sickness benefit. The daily sickness allowance is limited to a maximum of EUR 300 per calendar day.

Yes, the obligation to pay benefits begins at the end of the waiting period on the first day of the incapacity to work plus the agreed upon deferment period. A deferment period of 42.91 or 183 days can be agreed.
Example: You have chosen a deferment period of 42 days and a daily sickness benefit of EUR 20 and are incapable of working for a period of 60 days. Then you will receive 20 EUR per day from the 43rd day until the 60th day, i.e. a total of 360 EUR.

Yes, the waiting period is 31 days, beginning from the commencement of coverage. It does not apply:

• when the insured person provides proof of entry into a country abroad within 31 days before the application is submitted
• when the insurance was taken out before the start of the trip abroad
• to accidents occurring after the commencement of coverage.