Health insurance for foreign employees in Germany
mawista Tarif-Finder
MAWISTA Expatcare mawista employee

  • free choice of doctors and hospitals

  • fast claims processing and customer service

  • flexible contract termination
from 59,00
per month
for application
Who is entitled?
The health insurance MAWISTA Expatcare is for foreigners who are temporarily working in Germany. The health insurance is designed for the following groups of persons:
  • Freelancers
  • Employees
  • Expatriates

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MAWISTA Expatcare at a glance
  • Insurance duration: 1 to 60 months (5 years)
  • Maximum entry age: 75 years
  • Excess: The insured services are paid 100% by the insurer (with the exception of maximum limits for special services such as glasses or dental prostheses)
  • Proof of insurance: MAWISTA Expatcare is recognised by official authorities for granting a temporary residency permit in Germany
  • Insured region: Germany and outside Germany for up to 3 months (USA / Canada only included if corresponding tarif selected – otherwise limited to 42 days holiday or professional reasons visits to USA / Canada)
  • Contract conclusion: In the home country or during the stay in Germany
  • Waiting period: 14 days waiting period, if application submitted when already arrived in Germany
  • Payment method: monthly, via direct debit or credit card
  • Notice of termination: at the end of each month via e-mail or letter
  • Extension: at any time before the expiration via telephone, e-mail or letter
    Note: An insurance application may be denied. This is why it is recommended to apply for the maximum insurance duration right from the start. This way you will continue to have health coverage if you stay longer than planned in Germany. At the same time, you can enjoy maximum flexibility because you can terminate your contract early at the end of each month.

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, via e-mail, telephone or live chat. In case of claims, our emergency hotline is available 24 hours a day so that you can feel well-provided for in all locations.

The insurer

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

Our rates
The premiums for MAWISTA Expatcare are due monthly. You decide how you wish to pay: via SEPA direct debit or credit card

excluding USA/Canada:
monthly premium per person
Expatcare
Classic
Expatcare
Comfort
Expatcare
Premium
up to 40 years59 €79 €129 €
41 to 55 years74 €99 €149 €
56 to 75 years228 €298 €329 €
including USA/Canada:
monthly premium per person
Expatcare
Classic
Expatcare
Comfort
Expatcare
Premium
up to 40 years148 €198 €323 €
41 to 55 years185 €248 €373 €
56 to 75 years570 €745 €823 €
Insurance benefits
MAWISTA Expatcaer assumes medical treatment for acute illnesses and accidents that occur after the start of the insurance coverage.

Expatcare
Classic
Expatcare
Comfort
Expatcare
Premium
Outpatient treatment including medicines and dressings   
Inpatient treatment   
Aids required as a result of an accident (without visual aids),
per insurance year

max. 250 €

max. 1000 €

max. 2000 €
Visual aids
max. 50 €
per insurance year

max. 300 €
every three years
Medical Treatment (e.g. massages, fango)
per insurance year

up to 8 Treatments

up to 10 Treatments

up to 12 Treatments
Pain-Killing dental treatment
per insurance year

max. 500 €

max. 1000 €

max. 2500 €
Dentures repair and temporary solutions
per insurance year (max. 250 €)
   
Dentures and – exclusively for insured persons
up to the age of 18 – orthodontic services
60 %
Note limits
80 %
Note limits
Transport costs to the nearest suitable hospital   
Pregnancy, childbirth and their implications   
Repatriation costs of mortal remains to home country (max. 25.000,- €)   
Repatriation to home country   
Psychotherapy
80 % up to 6 treatments

80 % up to 12 treatments
Crisis intervention for mental disorders
(inpatient treatment up to 14 days)
   
Medical check-ups

Deductible worldwide excluding USA/Canada
(per insurance year)
0 €0 €0 €
Deductible worldwide including USA/Canada
(per insurance year)
500 €500 €500 €

 

What to observe in case of illness
When you sign up for the MAWISTA Expatcare health insurance your insurance documents include a treatment slip. You must present the treatment slip to the physician or hospital prior to the treatment in Germany. You do not need the treatment slip outside Germany.

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

Reimbursement of invoices
Your physician or hospital will present you with an invoice for visits without overnight stays (out-patient treatment). You must 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 our online form, e-mail or post. The processing usually takes 2 weeks.

–> Notification of claims

Limitations of the health insurance
  • 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.
  • 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.
  • Nutriments and tonics.
  • Orthodontic treatment, dental treatment other than pain-killing treatment, repairs to dentures and provisional measures. Notwithstanding this, the tariffs Comfort and Premium provide coverage within the scope described in § 2 No. 1 f) VB K E MEX.
  • The purchase of prostheses and other medical aids; notwithstanding this, insurance cover is provided for aids and visual aids required as a result of an accident within the scope described in § 2 No. 1 h) und i) VB K E MEX.
  • Treatment of alcoholism, drug addiction and other addictions as well as the consequences thereof.
  • Treatment of pregnancies which occurred before the commencement of insurance and for the treatment of
    pregnancies within the first eight months after the commencement of insurance (waiting period). Irrespective of the time the pregnancy occurred and the waiting period, the insurer will reimburse the costs of medical treatment for acute complications to the pregnancy, including miscarriage and premature birth.
  • Treatment or accommodation caused by infirmity, need of nursing care or detention.
  • Treatment of mental or emotional disorders as well as hypnosis, psychoanalytical and psychotherapeutic treatment; contrary to this exclusion, insurance protection is provided for psychotherapeutic treatment and inpatient crisis intervention, depending on the selected tariff within the limits described in the tariff table.
  • 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, insofar as not otherwise agreed in the tariff in question (see tariff table). The reimbursement may be reduced to the customary rates in the country.
  • Patient repatriation transport caused by one of the reasons mentioned under no. §4 1, 2, 6 and 8. VB K MEX
  • Prophylactic examinations and check-ups, check-ups of children and young people, dental check-ups and dental prophylaxis, vaccinations, insofar as not otherwise agreed for the tariff in question pursuant to the tariff table, 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.
Legally binding are the conditions of insurance of the Allianz Worldwide Partners (AWP P&C S.A.), München. Download the terms and conditions MAWISTA Expatcare Classic incl. USA – Canadaexcl. USA – Canada. / Expatcare Comfort incl. USA – Canada ; excl. USA – Canada. / Expatcare Premium incl. USA – Canada or excl. USA – Canada.

Frequently asked questions / FAQs

General information about the German health insurance system

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.

How long does it take to process my application and how quickly can I obtain the certificate of insurance?


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. 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.

Will I receive proof of my MAWISTA health insurance to present to the immigration authority


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.

Can I also obtain insurance from you if I have been in Germany for a while?


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.

What insurance duration should I select when I do not exactly know yet how long I will be staying in Germany?


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.

Do I have to pay medical costs myself (and is there co-payment)?


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

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 our online form, e-mail or post. The processing usually takes 2 weeks.

–> Notification of claims

What does ‘waiting period’ mean and is there a standard waiting period?

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. 

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