FREQUENTLY ASKED QUESTIONS
Health Insurance for Students
CAN I SEND YOU MY APPLICATION BY FAX? IF SO, DO I HAVE TO SEND AN ORIGINAL APPLICATION AS WELL?
You only need to send us the application by fax. You do not need to send us the original application.
WILL I RECEIVE VERIFICATION FROM YOU AS PROOF OF MY HEALTH INSURANCE FOR SUBMITTANCE TO THE ALIENS’ REGISTRATION OFFICE OR UNIVERSITY?
As soon as we have received your application, we will issue you with an insurance policy and send it to you by post. In our experience, this is accepted as proof of insurance by all aliens’ registration offices and universities/technical colleges. A copy is usually sufficient.
HOW LONG WILL IT TAKE TO PROCESS MY APPLICATION, AND HOW QUICKLY WILL I RECEIVE THE INSURANCE POLICY?
Your application will usually be processed within one working day. Provided your application is complete and legible, and you have entered the recipient address correctly, you will receive your insurance policy, which we will issue and post on the same day, within two or three days. If you have still not heard anything from us after a week, please give us a call.
If you urgently require the insurance confirmation for a public department or university, please state this on your application. We will then send you the confirmation by fax or e-mail to the address you have given on the same working day as your application is processed.
CAN I TAKE OUT AN INSURANCE POLICY WITH YOUR COMPANY IF I HAVE ALREADY BEEN IN GERMANY FOR SOME TIME?
You can still take out insurance with us even if you have already been in Germany for some time.
I AM ALREADY INSURED, BUT I WOULD LIKE TO CHANGE MY INSURANCE COMPANY. CAN I TAKE OUT AN INSURANCE POLICY WITH YOUR COMPANY?
You can still apply for an insurance policy even if you have previously been insured with another company. In this case, please give the name of your previous insurance company and state how long you have been insured with them.
HOW MANY MONTHS SHOULD I ENTER IN MY APPLICATION UNDER “INSURANCE PERIOD” IF I DON’T KNOW EXACTLY HOW LONG I WILL BE STAYING IN GERMANY?
Under “Insurance period”, enter the number of months you will be probably be staying in Germany. If this period should change, please notify us by post, fax, e-mail or telephone, and extend your insurance policy, or terminate it to the end of the month, accordingly.
MY FAMILY WILL BE FOLLOWING ME TO GERMANY. CAN YOU OFFER ME A FAMILY INSURANCE?
Unfortunately, a family insurance is not available under the terms of a private insurance policy. You will need to submit a separate application for each member of your family.
A special product for short stays is available at mawista Visum.
METHODS OF PAYMENT:
The insurance premiums are true monthly rates, which are to be paid monthly. For this reason, you must provide details of a German bank account and grant the insurer authorisation to debit the monthly charges from this account. Please note that the specified account must be sufficiently covered when the amount is debited on the first day of the month.
HOW CAN I PAY MY INSURANCE PREMIUMS IF I DON’T YET HAVE A BANK ACCOUNT IN GERMANY?
If you do not yet have a German bank account, please select the payment method “Monthly payment by bank transfer” on the application form. We will then send you the transfer/payment forms together with your insurance policy, in which you only have to enter your policy number 75XXXXXX and the monthly premium you need to transfer.
You can use these forms to transfer the required amount by cash at any bank to the account of insurer:
Please ensure that your premium is always paid punctually to the 1st of the month. Delayed payment of the monthly premiums will put your insurance cover at risk.
Banks usually charge a fee of approx. EUR 5 for cash transfers. Please notify us as soon as you have opened a bank account in Germany, whereby you can use the “Amendment Notification” form you will receive together with your insurance policy.
INSURANCE SERVICES AND REIMBURSEMENT
DOES THE INSURANCE COVER APPLY IN OTHER COUNTRIES APART FROM GERMANY?
The insurance cover is valid not only in Germany, but also in all other EU countries: Austria, Belgium, Denmark, Finland, France, Greece, Great Britain, Ireland, Italy, Luxembourg, Netherlands, Portugal, Sweden and Spain.
WHAT DO I HAVE TO DO IN CASE OF ILLNESS, AND HOW ARE THE DOCTORS’ OR HOSPITAL BILLS PAID? WILL I RECEIVE AN INSURANCE CARD FROM YOU?
The insurer is to be informed without delay if you are admitted to a hospital. The emergency number will be on your insurance policy.
The insurer can then arrange an immediate guarantee of responsibility for the costs incurred with the hospital. In this case, the hospital will invoice the insurer directly. The benefit for you is that you will not have to make any advance payments before receiving treatment.
General practitioners or dentists, on the other hand, usually expect to receive payment directly from you in person. You should then wait until you receive the bill from the doctor, pay it, and then send the original bill for reimbursement to the insurer.
Please enclose a copy of your insurance policy together with the bill and give your bank account details.
DOES A RETENTION FEE NEED TO BE PAID AFTER EVERY TREATMENT?
This is only to indicate that a maximum cover applies in certain cases, for example dentistry treatment, dentures, medication or for return transport to your native country.
WHICH INSURANCE SERVICES ARE NOT COVERED?
You are advised to read this section of the insurance terms and conditions carefully to avoid any unpleasant surprises later.
Benefits not covered by the insurance include:
- Illnesses and results of accidents, for treatment of which travel is being undertaken, as well as costs for treatment which was known and should have been undertaken before the planned start of travel, and illnesses and results of accidents which occurred prior to the policy taking effect
- Treatment for psychiatric and mental disorders
- All types of preventive examinations, or routine checks or vaccinations
- Certificates and attestations relating to examinations for obtaining residence permits
- Abortion, existing pregnancy prior to the policy taking effect, otherwise always a qualifying period of 8 months (see “Qualifying period”)
- Withdrawal and weaning treatment
- Treatment for illnesses resulting from intentional physical self-abuse
- Dentures, inlays and crowns (Student Classic® tariff only) *The insurance terms and conditions of the insurer are decisive.
WHAT DOES “QUALIFYING PERIOD” MEAN, AND DOES THIS QUALIFYING PERIOD ALWAYS APPLY?
However, most of the insurance benefits covered by our tariffs are not subject to a qualifying period. Exceptions are only benefits regarding treatment relating to pregnancy and childbirth and to dentures. In both cases, a qualifying period of 8 months from the date the policy takes effect applies.
During this qualifying period, no claims can be made for insurance benefits in cases for which a qualifying period has been agreed.
Example: If the insurance policy comes into effect on January 1st, costs incurred during the first 8 months for gynaecological examinations and treatment, as well as for childbirth, cannot be reimbursed. Claims can only be submitted for costs incurred after September 1st.
HEALTH INSURANCE, GENERAL
UNDER WHICH CIRCUMSTANCES CAN I TAKE OUT PRIVATE INSURANCE COVER?
We generally advise people who already belong to a statutory health insurance sceme to remain with their insurance company.
People belonging to some insurance groups, however, are excluded from taking out statutory insurance, for example:
- language students who have not yet enrolled as a student
- students over 30 years of age
- Students studying in their 14th term or later
- Trainees and guest scientists are also frequently excluded.
I HAVE TAKEN OUT HEALTH INSURANCE WITH YOUR COMPANY. CAN I APPLY FOR A SOCIAL INSURANCE NUMBER FROM YOU?
You do not need a social insurance number until you take up employment. The first time you start work in Germany, your German employer must apply to a statutory health insurance company (AOK, KKH, IKK, TK etc.) for your social insurance card in your name. Social insurance numbers are not issued by private insurance companies.