Costs for medication will be covered provided they have been prescribed by a doctor for medically necessary treatment of an acute illness.

Vaccinations recommended by STIKO (Standing Committee on Vaccination) are reimbursed on the MAWISTA Student Comfort tariff up to an amount of €250 per insurance term. The MAWISTA Expatcare Premium tariff also covers vaccinations recommended by STIKO.

A deductible means that you will have to pay part of the bill submitted to your insurer. For the MAWISTA Student tariffs, the following excesses apply for outpatient treatment or dental treatment:

• MAWISTA Student Classic: 20% per insured benefit, max. €250 per calendar year
• MAWISTA Student Classic Plus: 15 % per insured benefit, max. €250 per calendar year
• MAWISTA Student Comfort: 10 % per insured benefit, max. €250 per calendar year

Example MAWISTA Student Comfort:

1. You submit a doctor's bill of €100 to your insurer. If all services are covered, your insurer will reimburse you €90.
2. You submit a bill of €5,000. In this case, your insurer will reimburse you €4,750 for the insured services as the annual maximum limit of €250 applies.

You can find out more information about the deductible here.

The abbreviation ‘GOÄ’ stands for Gebührenordnung für Ärzte (scale of fees for doctors). ‘GOZ’ stands for Gebührenordnung für Zahnärzte (scale of fees for dentists). German doctors and dentists are obliged to charge for treatment in accordance with the respective scale of fees. For each treatment, a specific amount is specified for each treatment and varying percentages can be charged based on this amount. The insurer pays 1.8-3.5 times the rate depending on the tariff that has been taken out.

Examples:

1. Bill with a fee rate that exceeds the reimbursable rate
   With the MAWISTA Student Classic tariff, the insurer will generally reimburse 1.8 times the scale of fees. You receive an invoice with 2.3 times the rate of the scale of fees. The insurer will reimburse the incurred costs at 1.8 times the rate after they have checked the bill (with deduction of excess depending on tariff). You must pay the difference yourself. We therefore recommend that you discuss the billing methods with the doctor before you receive treatment.
2. Bill with a fee rate that is lower than the reimbursable rate
   With the MAWISTA Student Classic Comfort tariff, the insurer will generally reimburse all insured benefits from 1.8 to 3.5 times the rate.

MAWISTA Student, the insurer will generally only reimburse treatment that is medically necessary and has occurred after the start of the insurance term. Treatment for pre-existing conditions will therefore not be paid for by the insurer.

The conditions of insurance in section 4 outline the cases where there is no insurance cover:

1. Medical treatment and other measures ordered by a
   physician, where the purpose of the stay in the agreed
   area of application was to seek such treatment.
2. Medical treatment and other measures ordered by a
   physician that the insured person knew were necessary
   prior to the stay in the agreed area of application or at
   the time of taking out the insurance or which he or she
   could have expected in the circumstances of which he
   or she was aware.
3. Nutriments and tonics.
4. Orthodontic treatment, dental treatment other than
   pain-killing treatment, repairs to dentures and provisional measures.
5. Medical treatment (e.g. massages, fango or lymph
   drainage treatments) which exceed six treatments per
   insurance year.
6. The purchase of prostheses and other medical aids;
   notwithstanding this, insurance cover is provided up
   to € 250 per year for aids required as a result of an
   accident.
7. Treatment of alcoholism, drug addiction and other
   addictions as well as the consequences thereof.
8. Treatment of pregnancies which occurred before the
   commencement of insurance and for the treatment of
   pregnancies within the waiting period after the commencement of insurance.
9. Treatment or accommodation caused by infirmity, need
   of nursing care or detention.
10. Psychoanalytical and psychotherapeutic treatment
    and hypnosis
11. For fees and charges which exceed the extent considered generally customary and reasonable in the
    country concerned and for optional benefits such as a
    single room or treatment by the head physician. The
    reimbursement may be reduced to the customary
    rates in the country.
12. Patient repatriation transport caused by one of the
    reasons mentioned under no. 1, 2, 7 and 9.
13. Prophylactic examinations and check-ups, check-ups
    of children and young people, dental check-ups and
    dental prophylaxis as well as any charges and fees for
    medical certificates, reports on diagnostic findings and
    doctor’s certificates for inability to work, which were
    not requested by the insurer.

The ‘waiting period’ is the period after the insurance has commenced during which there is no entitlement to insurance benefits.

With MAWISTA Student, any treatments in pregnancy (3 months from the start of the contract), childbirth and dentures (8 months from the start of the contract) are subject to waiting periods. With the MAWISTA Student Comfort tariff, pregnancy is covered without a waiting period.

Example:
You took out insurance from 1 January. The insurance company will reimburse costs for dentures from the start of treatment only after 1 August (after 8 months).

If the pregnancy began before the start of the insurance cover, pregnancy treatments and childbirth are not insured. If a pregnancy starts after the insurance cover has commenced, the tariffs cover the costs of pregnancy treatments as follows:

Student Classic / Student Classic Plus

• Waiting period pregnancy treatments: 3 months
• Waiting period child birth: 8 months

Student Comfort

• Waiting period pregnancy treatments: 0 months
• Waiting period child birth: 0 months

Regardless of when the pregnancy began and waiting period, the insurer will reimburse costs of medical treatment in the case of acute pregnancy complications including miscarriage and premature birth.

We will cover you if you fall ill with COVID-19 during your stay abroad.

The following benefits are covered, provided they have been ordered by a doctor:

• Medically necessary treatments
• Examinations
• Medication
• Costs for in-patient quarantine
• PCR test (if symptoms present)