Health insurance for foreigners in Germany

Tariff for foreign scholarship holders
( valid 2009 / 2010 )

1. Scope of cover

1.1. Outpatient treatment (self-paying patient)

• Physicians‘ fees
  only within the range of the official German rate of doctors (GOÄ) and corresponding with the principles of assessment
• Drugs and dressing (see Article 5, points 3 and 4 of G.T.C.)
• Accident-related medical aids (visual aids not included)
• Laboratory tests and simple x-rays (GOÄ 5000-5380)

Deductible: EUR 20.- per illness, per prophylaxis, per standard vaccination and insurance year

1.2. In-patient treatment (excl. optional benefits)

• Standard hospital treatment
  (accommodation in a multi-bedded room excluding private and semi-private treatment).
• Rehabilitation measures as medically necessary follow-up treatment
• The following are not covered:
  • the separately chargeable accommodation in a single- or in a double-room
  • the separately chargeable treatment by a senior physician consultant
  • the separately chargeable treatment by a visiting medical doctor who is not employed by the hospital but treats his own patients within the hospital while using its equipment

1.3. Transport to the next suitable hospital

• Medically necessary transport for an inpatient treatment

1.4. Dental/Surgical treatment

• 100% dental treatment up to a limit of EUR 500.- per year
• 75% of the costs of dental prosthesis up to EUR 2,000.- within 2 years after 8 months waiting period
• Emergency treatment to restore and replace sound natural teeth, which were lost or damaged due to an accident. The treatment has to be started within 48 hours following accident.

1.5. Return transport, Repatriation

• The additional costs for a medically necessary and prescribed return transport from Germany to the home country. The costs for an also insured companion are covered, as far as the companionship is medically necessary, officially ordered or mandatory on the part of the performing transport company.
• In case of death of an insured person: the resulting necessary additional costs up to EUR 10,000.- for the Repatriation of the deceased.

1.6. Optional Maternity Care benefit

• Pregnancy test, treatment for pregnancy, obstetrics and lying-in period, treatment for miscarriage, tubal pregnancy, medically indicated caesarean section (analogous to 1.1. - 1.3.).
• This optional benefit requires the payment of an additional premium and can be included for at least one whole insurance year (12 months), independently from the time of delivery. An inclusion within an insurance year or an early cancellation of the optional benefit is not possible. The optional benefit has to be applied for prior to the particular insurance year in written form.
• The waiting period for delivery amounts to 8 months.

Deductible: EUR 750.- per pregnancy

2. Premium (including accident and liability coverage)

until 31.12.2009
The following monthly premiums apply for		up to 24 months	from 25. month
scholarship holder	EUR	47.00	75.20
spouse / children over 18 years	EUR	48.50	77.60
children up to 18 years	EUR	33.00	52.80
additional premium for Optional Maternity Care	EUR	102.00	102.00

from 01.01.2010
The following monthly premiums apply for		up to 24 months	from 25. month
scholarship holder	EUR	47.00	75.00
spouse / children over 18 years	EUR	47,00	75,00
children up to 18 years	EUR	40,00	55,00
additional premium for Optional Maternity Care	EUR	110,00	110,00