COVID-19

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: 2022-03-21

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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

If you are traveling or staying abroad because of your studies or for business reasons, you are covered by insurance, even if the German Foreign Office issues a travel warning. You will therefore also be reimbursed for treatment costs incurred due to sickness caused by COVID-19.

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

Testing options

Performing COVID-19 tests helps identify infected individuals and break transmission chains.

More information

You can find the most important information about 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.

Kostenloser Covid-19 Test

COVID-19 Entry into German during the pandemic

Entry limitations

There are travel restrictions for entry from many countries in Germany due to the pandemic. From certain areas, entry entails a digital entry registration, a testing/proof requirement and, if necessary, a quarantine requirement.

More information

We have summarised the most important information for you on this page.
Einreisebeschränkung Corona

MAWISTA health insurance

When does the travel health insurance cover COVID-19?

Insurance cover despite travel warning
Assumption of costs for a COVID-19 test
Assumption of costs for sickness caused by 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.

Exception: If you are studying abroad or traveling for business reasons, you will be covered before you leave the country despite the travel warning.

The Federal Foreign Office issues a warning during your trip


If there was no travel warning when you entered the country and a new travel warning is issued, the insurance coverage ends 7 or 14 days (depending on the tariff) after the travel warning is announced.

Students abroad or persons who are on a trip for professional reasons are excluded from this regulation.

If you are unable to leave the country (e.g. because your return flight has been cancelled), the health insurance will continue to cover you. However, as soon as it is possible to leave the country, this must be done immediately.

The current status of travel warnings can be found on the website of the German 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

Insurance cover despite travel warning

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).

Touristische Reisen bzw. nicht notwendige Reisen sind bei Reisewarnung nur bedingt versichertHoliday 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 a COVID-19 test

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

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

More information

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.
Covid-19 Impfungen

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

  • icon-phone Phone: +49 89 624 24-496
MAWISTA Kundendienst

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+49 7024 469 51-0

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