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:
- Telephone +49 89 624 24 – 496
- Fax +49 89 624 24 – 246
- E-mail email@example.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 our online form, e-mail or post. The processing usually takes 2 weeks.
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.