Krankenversicherung für ausländische Gäste

MAWISTA Expatcare

Health insurance for foreign employees temporarily working in Germany

In case of unexpected illness or an accident, a health insurance policy protects you from incalculably high medical costs.

from

69.00€

per month

Insurance benefits

  • free choice of doctors
  • fast claims processing
  • flexible contract termination
Freelancers
Employees
Expatriates
Long term vacationer
World traveler

Who is entitled?

MAWISTA Expatcare is a high-quality health insurance for temporary stays in Germany.


Sufficient health insurance coverage is required by law.

The health insurance applies to Germany and is aimed at people who are temporarily in Germany for professional reasons.

Mawista

Expatcare at a glance

Our service

MAWISTA Expatcare offers you for a duration of up to 5 years reliable insurance coverage with an excellent price-performance ratio.

Thanks to our quick and competent service, after the verification you will receive your contract documents within 24 hours. If you have questions about the MAWISTA Expatcare health insurance, our staff will be glad to assist you in person.

Versicherung für ausländische Gäste

The insurer

Allianz Travel

AWP P&C S.A.
Niederlassung für Deutschland
Bahnhofstr. 16
85609 Aschheim (bei München)

4.8/5
5/5
Rating
06/06/2020

Insurance benefits

Expatcare Classic Expatcare Comfort Expatcare Premium
24/7 medical assistance
Outpatient treatment by a physician
Inpatient treatment in a hospital, including surgeries
Transportation to the nearest suitable hospital
Repatriation costs for the funeral up to 25,000 €
Medication prescribed by a physician
Pregnancy, childbirth and their implications
8 month waiting period
8 month waiting period
8 month waiting period
Medical treatments (e.g. massages)
8
10
12
Medical aid required as a result of an accident (without visual aids) per insurance year
250 €
1,000 €
2,000 €
Pain-killing dental treatment per insurance year
500 €
2,000 €
2,500 €
Dentures repair and temporary solutions per insurance year (max. 250 €)
250 €
250 €
250 €
Dentures and orthodontic services within three years (8 month waiting period)
60% up to 3,000 €
Note limits
80% up to 5,000 €
Note limits
Psychotherapy sessions, 80% of the invoiced amount, per insurance year
6
12
Visual aids (8 month waiting period)
50 € year
300 € one-time
Medical check-ups for early detection of cancer


incl. U1-U9 for kids
Vaccinations in accordance with the recommendation of the Standing Committee on Immunisation (STIKO)
Deductible worldwide excluding USA/Canada (per insurance year)
0 €
0 €
0 €
Terms and conditions
Deductible worldwide including USA/Canada (per insurance year)
500 €
500 €
500 €
Terms and conditions

Monthly Rates


Excluding USA/Canada monthly premium per person:
Expatcare Classic
Expatcare Comfort
Expatcare Premium
up to 40 years
69 €
89 €
139 €
41 to 55 years
79 €
109 €
159 €
56 to 75 years
228 €
298 €
329 €
Including USA/Canada monthly premium per person:
Expatcare Classic
Expatcare Comfort
Expatcare Premium
up to 40 years
148 €
198 €
323 €
41 to 55 years
185 €
248 €
373 €
56 to 75 years
570 €
745 €
823 €
Payment methods
Reiseversicherung für ausländische Gäste

from

59.00€

per month

Expatcare Classic

  • 24/7 medical assistance
  • Outpatient treatment by a physician
  • Inpatient treatment in a hospital, including surgeries
  • Transportation to the nearest suitable hospital
  • Repatriation costs for the funeral up to 25,000 €
  • Medication prescribed by a physician
  • Pregnancy, childbirth and their implications (8 month waiting period)
  • 8 medical treatments (e.g. massages)
  • 250 € medical aid required as a result of an accident (without visual aids) per insurance year
  • 500 € pain-killing dental treatment per insurance year
  • 250 € dentures repair and temporary solutions per insurance year

from 69.00€ per month

Expatcare Comfort

For just 20€ more you get all insurance benefits of the tarif Expatcare Classic and additionally:

  • 10 medical treatments (e.g. massages)
  • 1,000 € medical aid required as a result of an accident (without visual aids) per insurance year
  • 2,000 € pain-killing dental treatment per insurance year
  • 60% up to 3,000 € dentures and orthodontic services within three years (8 month waiting period)
  • 6 psychotherapy sessions, 80% of the invoiced amount, per insurance year
  • 50€ Visual aids (8 month waiting period)
  • Medical check-ups for early detection of cancer

from 89.00€ per month

Expatcare Premium

You get all the insurance benefits of the tariff Expatcare Classic and additionally:

  • 12 medical treatments (e.g. massages)
  • 2,000 € medical aid required as a result of an accident (without visual aids) per insurance year
  • 2,500 € Pain-killing dental treatment per insurance year
  • 80% up to 5,000 € dentures and orthodontic services within three years (8 month waiting period)
  • 12 psychotherapy sessions, 80% of the invoiced amount, per insurance year
  • 300 € Visual aids (8 month waiting period)
  • Medical check-ups for early detection of cancer, also incl. U1-U9 for kids
  • Vaccinations in accordance with the recommendation of the Standing Committee on Immunisation (STIKO)

From 139,00€ per month

FAQs

In case of acute illness or accident you can choose your physician or hospital. For general illnesses such as influenza, headaches or minor accidents we recommend you visit a general practitioner. Your attending physician can refer you to a specialist, if required. In case of toothache, contact a dentist directly.

In case of severe pain or major accidents outside of regular physician`s hours (e.g. at the weekend) please head directly to a hospital.

Please contact us directly should stationary treatment at the hospital be required (e.g. operation). The staff of the emergency hotline will coordinate the assumption of the costs with the hospital directly. This offers you the advantage of not having to first pay high hospital costs yourself as the insurer pays the hospital directly.

You can reach our emergency hotline staff around the clock:
Telephone: +49 89 624 24 – 496
Fax: +49 89 624 24 – 246
E-Mail: mawista-schaden@allianz.com

Your physician or hospital will present you with an invoice for visits without overnight stays (out-patient treatment). You have to transfer the payment to the attending physician or the hospital. Cash payment is only requested in rare cases.

In order for you to receive quick reimbursement from the insurance company, you need to supply us with the following information:

  • Your name
  • Your insurance number
  • Treatment data from the physician (incl. diagnosis)
  • Medical services + overview of costs
  • If applicable, prescriptions (with medication, price and stamp of the pharmacy) prescribed the physician

You can conveniently send us the information via  e-mail or post. The processing usually takes 2 weeks.

§ 4 What limitations on insurance cover are to be noted? No insurance cover is provided for the following:

  1. Medical treatment and other measures ordered by a physician, where the purpose of the stay in the agreed area of validity 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 validity 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. The purchase of prostheses and other medical aids; notwithstanding this, insurance cover is provided up to € 250 (€ 1.000 for MAWISTA Expatcare Comfort and €2.000 for MAWISTA Expatcare Premium) per insurance year
  6. Treatment of alcoholism, drug addiction and other addictions as well as the consequences thereof
  7. Treatment of pregnancies which occurred before the commencement of insurance and for the treatment of pregnancies within the first three months after the commencement of insurance (waiting period). The special waiting period for childbirth is eight months.
  8. Treatment or accommodation caused by infirmity, need of nursing care or detention
  9. Treatment of mental or emotional disorders as well as hypnosis, psychoanalytical and psychotherapeutic treatment
  10. 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
  11. Patient repatriation transport caused by one of the reasons mentioned under no. 1, 2, 6 and 8
  12. Prophylactic examinations and check-ups (Medical check-ups for early detection of cancer inclluded in MAWSISTA Expatcare Comfort and Premium), check-ups of children and young people (Medical check-ups U1-U9 for kids included in MAWISTA Expatcare Premium), dental check-ups and dental prophylaxis, vaccinations, as well as any charges and fees for medical certificates, reports on diagnostic findings and physician’s certificates for inability to work, which were not requested by the insurer.
  13. Injuries caused by active participation in competitions by sports organizations and the associated training

As a welfare state, Germany aims to have comprehensive primary health care for the entire population. One of the pillars of this philosophy is the German healthcare system. This includes both statutory and private health insurance.

 

Different groups of persons in Germany are subject to compulsory health insurance.

People who are living only temporarily in Germany and have a temporary residence permit, can insure themselves as part of a foreign health insurance. The foreign health insurance is a temporary insurance cover and not suitable to replace the statutory health insurance. By law a maximum contract term of no more than 60 months (taking into account similar contracts with other insurers) is allowed for this type of protection. The insurance coverage of MAWISTA Expatcare corresponds to the coverage of the statutory health insurance, but the insurance does not equal.

If the residence permit while staying in Germany is changing from a temporary to a permanent residence permit (habitual residence then Germany) the insurance contract needs to be terminated. Let us know if your residence changes and try out in a timely fashion other insurance protection.

The fastest way for you to receive your insurance documents is if you choose e-mail as the mode of dispatch in the insurance application. You will receive a reply of whether your application has been approved within 24 hours on working days. If we have accepted your application, the legally valid insurance policy is attached to the e-mail.

You can also request the insurance policy via post. After your information has been successfully checked, we send out your MAWISTA insurance policy on the same day. In general the insurance policy will reach you within 2 days.

Yes, we will provide you with a confirmation of your insurance as soon as your application is approved. Our confirmation is recognised by the immigration authorities as proof of health insurance. Usually it is enough if you present a copy to the immigration authority.

Yes, you can obtain insurance from us if are not residing longer than five years in Germany or if the entire insurance duration is no longer than five years. However, if you obtain the insurance if you have been in Germany for a while, there is a waiting period of 14 days from the beginning of the insurance contract. In the event of an accident and if MAWISTA Expatcare is used as follow-up insurance, there is no waiting period.

We recommend that you apply for the maximum insurance duration as a subsequent application for extension may be rejected. With a longer duration you will also continue to have health coverage if you stay longer than planned in Germany. If you decide to leave early you can cancel your insurance contract at any time without stating reasons at the end of each month.

Your physician or hospital will present you with an invoice for visits without overnight stays (out-patient treatment). You have to transfer the payment to the attending physician or the hospital. Cash payment is only requested in rare cases. If you have to stay at the hospital as an in-patient (i.e. overnight) please inform the emergency hotline of the insurance company immediately. The emergency hotline will coordinate the details of assumption of the costs with the hospital directly. This offers you the advantage of not having to first pay high hospital costs yourself as the insurer pays the hospital directly.

You can reach our emergency hotline staff around the clock:
Telephone: +49 89 624 24 – 496
Fax: +49 89 624 24 – 246
E-Mail: mawista-schaden@allianz.com

There is no flat co-payment rate for treatments. This means that the insurer reimburses you the costs for acute and unforeseeable medical illnesses and accidents. However, in certain cases there can be upper limits, e.g. for dental treatment, dental prostheses, adjuvants or the transport back to the home country. The insurer assumes the costs up to the upper limit. For detailed information of the conditions see the general insurance conditions for the respective rate.

In order for you to receive quick reimbursement from the insurance company, you need to supply us with the following information:

✓ Your name

✓ Your insurance number

✓ Treatment data from the physician (incl. diagnosis)

✓ Medical services + overview of costs

✓ If applicable, prescriptions (with medication, price and stamp of the pharmacy) prescribed the physician

You can conveniently send us the information via e-mail or post. The processing usually takes 2 weeks.

Waiting period denotes the time after the contract has been concluded in which there is still no insurance coverage. Waiting times are calculated from the start of the insurance. If the contract is purchased after the start of the temporary stay and not before expiration of an insurance contract that was in force starting at the beginning of the temporary stay, then a waiting period of 14 days from the beginning of the insurance contract will apply.

There is a waiting period in two cases for the MAWISTA Expatcare tariff:

  • If the insurance is only taken out abroad and it is not a follow-up insurance or an accident, the insurance cover only comes into effect after a waiting period of 14 days.
  • Regular treatment costs for pregnancy will only be reimbursed after a waiting period of 3 months after commencement of cover. Delivery after a waiting period of 8 months.

Example: If the insurance begins on 1 January, then the costs incurred within the first 8 months for delivery are not reimbursable. In this case, the costs of delivery would only be assumed from 1 September. The costs of pregnancy examinations and treatments will be covered after a waiting period of 3 months. 

For further details please check the terms and conditions or contact customer service.

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