Coronavirus / COVID-19 health insurance
On the safe side with MAWISTA health insurance policies
The COVID-19 pandemic has brought many changes with it. We have summarised for you what you should know about the topic. Here you will find answers to frequently asked questions such as insurance cover for COVID-19 illnesses, free testing options, entry restrictions, vaccinations and much more.
Last updated: 2020-04-29
Overview
- Pandemics are covered by your insurance
- Necessary costs for treatment, infection tests and transports are covered if prescribed by a doctor
- Depending on your reason for staying abroad, your insurance cover is limited when a travel warning has been issued
Insurance cover for coronavirus / COVID-19 infections
Holiday travel is only insured under certain conditions
If the Federal Foreign Office issues a travel warning, non-essential travels (e.g. holidays) are only insured under certain conditions or not at all. For further information please read the overview below.
COVID-19 rapid test
Free testing options
Performing COVID-19 tests helps identify infected individuals and break transmission chains. Every person in Germany is entitled to at least one free rapid test per week, even without symptoms. You can find the most important information about free testing options, for example when and where you can take a test, how to deal with the result, which types of tests there are and how they differ, under Coronavirus test types.
COVID-19 Entry into German during the pandemic
Entry limitations
Since 12 May 2021, a new nation-wide coronavirus entry regulation has been in effect, which regulates the registration, quarantine and proof of coronavirus test obligation uniformly across Germany as well as the transport prohibition from areas with virus variations. We have summarised the most important information for you on this page.
MAWISTA health insurance
When does the travel health insurance cover COVID-19?
Travel for business and academic reasons is covered despite travel warning
Even if the Federal Foreign Office issues a travel warning, anyone travelling or staying abroad for business reasons is covered by the MAWISTA insurance policies. The same applies to students who are studying abroad.
The insurer may request proof of the professional nature of the trip (e.g. customer order, proof of registration with a university or language school).
Holiday and non-essential travel is only insured under certain conditions if a travel warning has been issued
• The Federal Foreign Office issues a warning before you travel
If a travel warning had already been issued prior to you entering the affected country, you do not have any health insurance cover in the respective country or region.
• The Federal Foreign Office issues a warning whilst you are travelling or staying abroad
If no travel warning was in place at the time you entered the country and a new travel warning is issued, the insurance cover ends 7 or 14 days (depending on the level of cover) after the announcement of the travel warning.
Nevertheless, the health insurance cover remains valid for as long as you are unable to leave the country (e.g. because your return flight has been cancelled). However, you must leave the country as soon as this is possible.
You can read the current travel warnings on the website of the Federal Foreign Office.
Assumption of costs for medically prescribed coronavirus tests
The insurer only covers the costs of a COVID-19 test if a recognised doctor has prescribed it due to existing symptoms. The costs for a preventive COVID-19 test without prescription by a doctor are not covered by insurance.
The costs for Corona tests performed as a requirement for entering a country are not covered as this is not a medical necessity.
Corona tests for returning travellers
The insurer only covers the costs of a Corona test for returning travellers if a recognised doctor has prescribed a COVID-19 test.
The insurer does not cover the costs for a test if it was ordered by an authority.
Assumption of costs for sickness caused by COVID-19 abroad
The insurer generally assumes the necessary medical treatment costs for acute conditions or accidents abroad in accordance with the terms and conditions of the insurance policy.
The costs for treatment by a doctor or hospital for sickness caused by the coronavirus whilst you are staying abroad are also covered by your insurance.
Please read the cases in which your insurance covers such treatment if the Federal Foreign Office has issued a travel warning.
These treatments for COVID-19 are covered if prescribed by a doctor:
- Necessary medical treatment
- Examinations
- Medication
- Costs for quarantine in a hospital
Vaccination against COVID-19
Information overview
You can receive a vaccination against COVID-19 on a voluntary basis. We have summarised the most important information about the topic on the Vaccination against COVID-19 page. It tells you why you should get vaccinated, who can get vaccinated when and where, who assumes the costs for the vaccination and much more.
Emergency telephone number
We are here to help you in an emergency
The staff of the emergency hotline can advise you in the choice of a doctor or hospital and coordinate the assumption of the costs with the facility directly.
Please contact the emergency hotline if you fall ill with COVID-19 whilst abroad
- Phone: +49 89 624 24-496
