Visum Travel
Insurance
When visiting Europe, travelers should be able to handle and financially cover medical services in case of an accident, injury or any other sudden event. To take care of unexpected expenses that arise while traveling, having travel insurance has been proven to help travelers with financial support and comfort to continue their travel journey without worries.
Even though travel health insurance is worth having for all travelers to Europe, not everyone is required to have it. Travel insurance policy is a mandatory requirement only for travelers who need to apply for a Schengen visa. This group of travelers is always required to have the needed coverage for the entire period of their stay in Europe, regardless if they go there for business, tourism, studying, holidays, or for other reasons. Read our FAQ’s about Visum Travel Insurances!
Your Options
International health insurance can be your lifeline if something happens while you are out of your home country in case you need medical treatment. Many countries require an insurance plan to get a visa (if you need one), and you’ll need to show proof of adequate health coverage. Such global medical insurance plans are ideal for expatriates, nomads, and international citizens abroad each year for most of their time. Read our FAQ’s about Visum Travel Insurances!
Care Concept– Care Visa Protect: International health insurance
Allianz – Travel Insurance: International health insurance
Apply online: Get CareVisa Protect Health Insurance
International Health Insurance for Private and Short Business Trips
Care Visa Protect international health insurance is tailored to the needs of foreign guests and visitors entering the European Union (EU) and Schengen countries with a visa. The international health insurance can be taken out before the age of 75 for a maximum period of 92 days.
The benefits cover outpatient, inpatient and dental treatment by all licensed physicians worldwide at the normal local fees. The provided insurance cover complies with all the requirements for a Schengen-Visa made by the requirements of Regulation (EC) No 810/2009 of the European Parliament and the Council of the European Union by 07/13/2009. Care Visa Protect international health insurance also covers the host, in particular, against most financial risks of a formal obligation (Verpflichtungserklärung). A combination with Care Protector accident/liability policy reduces the remaining risks from a formal obligation significantly.
You can take out your international policy directly online and, after your application has been checked and approved, will receive an immediate confirmation per e-mail within a few minutes including all the documents you need for your visa application.
In addition to international health insurance, we also recommend that you take out a “Care Protector” accident and liability policy.
The insurance benefits include coverage for outpatient, inpatient, and dental treatments by licensed physicians worldwide at the standard local rates. The insurance fully satisfies the requirements for obtaining a Schengen visa, as outlined in Regulation (EC) No. 810/2009 of the European Parliament and Council dated July 13, 2009. Care Visa Protect international health insurance shields travelers from most financial risks associated with formal commitments. When paired with Care Concept’s accident/liability insurance, the residual risk of the commitment is substantially reduced.
You can easily purchase international health insurance coverage online, and once your application is approved, you will receive immediate confirmation via email, along with all necessary documents to apply for your visa. We also suggest that you consider adding a “Care Protector” accident and liability insurance policy to your coverage. This can be done conveniently and affordably for a monthly premium starting at just €2.00 when submitting your health insurance application online. The liability insurance will protect you from potential third-party damage claims, while the accident insurance will cover any financial consequences resulting from disability or death due to an accident.
Here you will find an overview of all Care Concept insurances and their costs. Insurances & Tariffs.
The Care Visa Protect international insurance premium depends on the duration and age. For those between 0 and 64 years old, the total fee for 30 days, for example, amounts to one time €25.50.
Single Premium Health Insurance
- Up to 64 years of age: EUR 0.85 / Day
- 65 – 74 Years: EUR 2.60 / Day
Minimum premium per person: €8.50
Yearly Premium Health Insurance “Multiple Visa
For any number of travelers for a maximum period of up to 92 days per insured year
- Ip to 64 years of age: EUR 110.00 / Year
- 65 – 74 Years: EUR 215.00 / Year
Apply online: Get International Health Insurance
The travel insurance packages from Allianz Travel combine all important benefits in one insurance policy. This way, several risks are covered, such as a trip cancellation or interruption, loss of luggage during the trip or illness abroad. In the complete cover, you also receive travel accident and travel liability insurance.
The international health insurance reimburses you for the costs of doctor and hospital visits or medication abroad (max. 90 days per trip). The costs and organization of a return transport are also covered, if this is medically reasonable and justifiable.
| What is insured? | What is not insured |
|---|---|
| ✓ Travel Cancellation Insurance | X Existing illnesses that were last treated within the last six months prior to conclusion of insurance. |
| ✓ Travel assistance | X Relapse of a mental illness, provided the last relapse did not occur at least three years ago, and addictive disorders |
| ✓ Travel interruption insurance | X Medical treatment and other medically ordered measures for which you knew before the start of the insured period that they were necessary or which you had to expect according to the circumstances known to you |
| ✓ Baggage insurance (not included in all packages) | X Examinations or medical care due to the loss of or damage to hearing aids, dentures, eyeglasses and contact lenses |
| ✓ Travel health insurance incl. repatriation (only included in packages with international health insurance) | X Accidents due to mental or consciousness disorders, strokes, seizures; this also applies if the condition is due to alcohol or drugs |
| ✓ Travel accident and travel liability insurance (only included in complete coverage) | X Liability claims between insured persons traveling together |
| ✓ Autoschutzbrief insurance (only included in GuteFahrt package) |
FAQ – Visum Travel Insurance
Table of Contents
What is International Health Insurance?
International Health Insurance provides worldwide coverage for individuals or families who live abroad for a year or longer. This insurance typically includes inpatient and outpatient care, dental and vision treatments, evacuation, and additional benefits that can be selected. These plans are usually renewable annually or expire on a set termination date.
The primary advantage of international health insurance is having access to healthcare no matter where you are. With this coverage, you have the flexibility to seek medical attention in your home country or abroad.
Having an international health insurance plan also allows you to choose your doctor or hospital, which can result in better healthcare. To find the best plan, take the time to compare and review different options, keeping in mind that some benefits may be optional add-ons with additional costs.
Choosing the right insurance provider is important, and you should consider an established company with a strong presence in both your home country and where you will be living. Highly customizable plans are available to suit your individual needs, allowing you to adjust benefits and deductible amounts to lower costs.
While cost is an important factor, it is also essential to choose a plan that covers all of your medical needs. Opting for the cheapest option may not provide sufficient coverage in the event of a medical emergency, causing more significant financial burdens in the long run.
Visum Travel Insurance
Travelers visiting Europe should be prepared to handle and financially cover medical services in case of unexpected events such as accidents or injuries. To alleviate the financial burden of such incidents, travel insurance can provide peace of mind and support for travelers to continue their journey.
Although travel health insurance is recommended for all travelers to Europe, it is only mandatory for those applying for a Schengen visa. These travelers are required to have coverage for the entire duration of their stay, regardless of the purpose of their visit, whether it be for business, tourism, study, holiday, or any other reason.
Who needs International Health Insurance & when to consider it?
International health insurance is primarily intended for individuals who are living abroad and do not know when they will return to Germany. This mainly includes emigrants. While it is possible for emigrants to obtain health insurance with a local insurance company in their new home country, this may not always be feasible. In countries where the health system is only partially state-funded and private supplementary insurance is necessary, international health insurance is a viable alternative.
The second significant target group for international health insurance is expats who have been sent abroad by their employer to establish or manage company branches. An expat stay usually lasts for several years, but it is limited in time, unlike emigration.
It is important to note that international health insurance is not sufficient for individuals living in Germany, and it does not meet the criteria for private health insurance (PKV) in Germany. For example, age reserves are not formed, and long-term care insurance is not included. If you reside in Germany, you must be insured in either GVK (statutory health insurance) or PKV (private health insurance).
The difference between Health Insurance Abroad and Long-Term Health Insurance Abroad
Many people wonder about the difference between international health insurance and long-term health insurance abroad, especially for individuals planning to stay abroad for extended periods. While both types of insurance are meant to cover medical expenses in foreign countries, there are some key differences between them.
International health insurance is a type of insurance that covers a wide range of medical services abroad, from emergency care in case of illness to preventive examinations and even things like vaccinations, eye tests, and dental prostheses. The coverage can be tailored to meet individual needs, and it may also include coverage for hospitalization, surgery, and specialist consultations.
Long-term health insurance abroad, on the other hand, is designed for people planning to stay abroad for multiple years. This type of insurance is often cheaper than international health insurance, but it may not cover as many medical services as the latter. While long-term health insurance abroad covers medical emergencies and hospitalization, it may not cover preventive care or dental services.
Another significant difference between the two types of insurance is that international health insurance is suitable for individuals living abroad temporarily, while long-term health insurance is designed for people planning to stay abroad for extended periods. Additionally, long-term health insurance abroad may not always be available in all countries, while international health insurance may be more widely available.
It’s worth noting that if you live in Germany, you must be insured either in the GVK (statutory health insurance) or PKV (private health insurance). Salaried employees and blue-collar workers whose earned income is below the compulsory insurance threshold are mandatory members of the statutory health insurance funds. They cannot take out comprehensive private insurance, and those who wish to be private patients can opt for private supplementary insurance to the statutory one.
In conclusion, the decision to choose between international health insurance and long-term health insurance abroad depends on individual needs, the duration of the stay abroad, and the availability of insurance in the country of residence. It’s important to compare and review the plans carefully and consult with insurance professionals to make an informed decision.