Question and Answers

Frequently asked Questions (FAQs)


  1. How can I find doctors or hospitals?
  2. What is free choice of medical practitioner?
  3. What is reimbursement guarantee?
  4. What is patient or ambulance transport?
  5. What is patient return transport?
  6. What is return transport or repatriation?
  7. Where can I get a Certification Brief for the consulate?
  8. Can I cancel my overseas health insurance policy before coverage begins?
  9. Am I insured in other countries or only in the country of my destination?
  10. Am I also insured in my home country?
  11. For whom do these insurance policies apply?
  12. Is there an age limit?
  13. Is there a maximum limit and a co-payment?
  14. Is there an insurance company representative or contact person in the country of destination?
  15. Does the liability insurance also apply if I rent or buy a car?
  16. I am moving overseas, does an overseas insurance policy apply for me then, too?
  17. Can I renew or cancel my overseas insurance at any time?
  18. Can I insure my family or my children?
  19. Can I cancel my insurance in my home country for the time that I am overseas?
  20. Is it necessary to translate all receipts and diagnoses?
  21. Can I have my policy written in English?
  22. Why is it important to have adequate coverage?
  23. What should I do in case of illness and how are the costs paid?
  24. What determines "medically necessary treatment"?
  25. How do I find the right doctor?
  26. What maximum time period of an overseas insurance policy can I have?
  27. Can I choose different time periods?
  28. Which insurance companies do you work with?
  29. What exactly is a short-term or limited period overseas health insurance policy?
  30. What is the "schedule of fees for doctors and dentists"?


Answers:

1. How can I find doctors or hospitals?
It is possible to ask for special doctors or hospitals at the insurance company office in the city in which you are dwelling.

2. What is free choice of medical practitioner?
This is the choice of various general practitioners, specialists or hospitals without restrictions.

3. What is reimbursement guarantee?
The health insurance company gives the hospital a guarantee of how much will be paid.

4. What is patient or ambulance transport?
This is the transport from the accident site to the hospital.

5. What is patient return transport?
This is the return to your country of origin. Medically expedient, justifiable and medically prescribed return transports will be arranged.

6. What is return transport or repatriation?
The insurance company arranges for either burial overseas or the return transport of the remains to the country of origin.

7. Where can I get a Certification Brief for the consulate?
After the insurance company has sent you a confirmation email with the contract documentation, send the insurance company an email requesting the Certification Brief for the country in which you are staying. Remember to consider the required language.

8. Can I cancel my overseas health insurance policy before coverage begins?
If you must cancel your insurance policy for any reason before coverage begins, the insurance company will reimburse you of any paid fees. It is possible that a cancellation fee is due. Please send an email to the responsible service center.

9. Am I insured in other countries or only in the country of my destination?
There is worldwide insurance coverage with the Germany?World tariff. With the World?Germany or World?Europe tariff, coverage exists for Germany or Europe. With the World?World tariff insurance coverage exists for other countries in the world. This is true unless something else is written in the insurance terms and conditions.

10. Am I also insured in my home country?
Every insurance company has different terms and conditions. Some companies insure you in your home country if the policy exists for at least one year. Other companies do not insure you in your home country. Read the insurance terms and conditions carefully.

11. For whom do these insurance policies apply?
For au-pairs, pupils, language students, exchange students, university students, scholarship holders or doctoral candidates, participants in Work and Travel programs or any other people with proof that it is necessary to stay overseas for their training or education. Also, these policies apply to any other people interested in this insurance coverage, but it depends on the tariff conditions.

12. Is there an age limit?
Some insurance companies have an age limit, for example up to 35 years. Other companies have no age limit.

13. Is there a maximum limit and a co-payment?
Maximum limit: this is a limit set by the insurance company. It is possible that the insurance company pays fees up to a pre-set limit. It is also possible that only a percentage of some medical treatments are paid.
Co-payment: with this you must pay a percentage of every medical treatment yourself. (Just as with auto insurance)
It all depends on which insurance company and which tariff you choose. All kinds of combinations are possible: with co-payment and maximum limit, and without both maximum limit and co-payment. Please read the overview and insurance terms and conditions carefully.

14. Is there an insurance company representative or contact person in the country of destination?
Usually there is no representative in the country of destination. You can call the emergency number 24 hours a day if you have a question or in case of an accident. If you take out a policy through our website, you can contact us at any time.

15. Does the liability insurance also apply if I rent or buy a car?
Usually the liability insurance does not cover a car. Please read the insurance terms and conditions carefully.

16. I am moving overseas, does an overseas insurance policy apply for me then, too?
No, no overseas insurance applies to someone who emigrates. As soon as your residence changes for an unlimited amount of time, full coverage insurance without any time limits is necessary. We are happy to help you find the appropriate tariff.

17. Can I renew or cancel my overseas insurance at any time?
That differs for every insurance company. It is possible to cancel with almost all insurance companies. It is not an automatic possibility to renew the policy. We are happy to help you renew your policy. If you do not know how long you will stay overseas, you should choose a tariff that offers the option to renew. Most insurance companies do not guarantee this possibility. If the insurance company does not allow you to renew, we have a solution for you. Simply contact us.

18. Can I insure my family or my children?
Yes, you can insure your whole family. Every member will be insured with his/her own premium depending on their age.

19. Can I cancel my insurance in my home country for the time that I am overseas?
Some countries require that you maintain your public health insurance while you are overseas as a student, intern or trainee. If it is possible, you should place your public or private health insurance in your home country into a deferred benefits status.

20. Is it necessary to translate all receipts and diagnoses?
It depends on the insurance company. Receipts and diagnoses that have been written in English do not usually have to be translated. Insurance companies can demand translations, though.

21. Can I have my policy written in English?
Usually all insurance companies offer this option.

22. Why is it important to have adequate coverage?
People who are not adequately covered often do not receive a visa. Please note, even if the requirements for a visa have been fulfilled, it is still possible to be under-insured. You should carefully check companies that have a reimbursement threshold. It is sometimes better to pay a higher premium and be well covered.

23. What should I do in case of illness and how are the costs paid?
Please go to the doctor in case of illness. Usually you have to pay the bills yourself at first. If the costs are so high that you cannot pay them, please contact the insurance company and ask them to pay directly. If you must be admitted to a hospital, please call the 24-hour emergency number immediately and notify the insurance company. They will cover the costs for a hospital stay directly. You must not pay these bills yourself. We are happy to act as an intermediary between you and the company.

24. What determines "medically necessary treatment"?
This refers to the doctor's fees or other costs for out-patient or dental treatments. Out-patient treatments also include hospital care that does not require overnight stays. Every country defines doctor's fees and the "medically necessary treatments" differently. Should the costs lie higher than "medically necessary" (which is the case by very well-known doctors), the insurance company will not pay the difference. In Germany, a doctor must inform the patient if his/her fee lies higher than the "schedule of fees for doctors and dentists" Explanation . The best thing is to contact the insurance company if you are uncertain.

25. How do I find the right doctor?
As a service, some insurance companies help you find a doctor. It depends on what country you are residing in.

26. What maximum time period of an overseas insurance policy can I have?
If you are not sure how long you will be overseas, it is better to take out a policy for a longer time period. Most insurance companies allow you to cancel your contract early. Please check the terms and conditions before you finalize the time frame in the policy.

27. Can I choose different time periods?
Every time period is possible. Many times a minimum premium must be paid. If you pay this, you can take out a policy daily or monthly.

28. Which insurance companies do you work with?
We consult for about 20 selective German and European companies. You can find the tariffs we have chosen for young people on this website. Other possibilities, also those with no time limits, can be found on our other website www.GermanHealthPlansWorldwide.com. We regularly check the price/performance ratio of the various tariffs and look for new products for our clients.

29. What exactly is a short-term or limited period overseas health insurance policy?
An overseas insurance policy covers treatments that occur during an overseas stay. Preventive medical examinations are not included. Dental treatment to stop pain is usually only covered in acute emergency situations. The policy contract period is usually limited to a few months or years, which depending on the tariff, is for a maximum of three to five years. Services are offered in pre-defined packages. Modifications are seldom permitted. But that means that taking out a policy for a limited time period is easy and uncomplicated. You can contract a policy directly from our website and print out the insurance certificate immediately. All this is possible without a medical examination or any bureaucracy. Each person can take out their own contract. In most cases, the tariffs apply worldwide. The premiums are either daily or monthly flat-rates, depending on the tariff, the package of services chosen, the contract period and the chosen country.

30. What is the "schedule of fees for doctors and dentists"?
This schedule of fees is used by German private health insurance companies for the reimbursement of doctor's fees. There is an official schedule of fees for doctors (GOÄ) and dentists (GOZ). Doctors' services are calculated by the means of a base fee. The tariff rates can span from the base fee to 3.5 times the base fee, which is the highest rate. A doctor must inform you if he charges you more than the permitted rate.
If you find an overview of the permitted rates in the documentation of the German overseas insurance, we recommend that you give the doctor a copy.