The MAWISTA Student tariffs have been developed for language school students, students, guest scientists and scholarship holders. Please note that you will need to have completed study abroad in Germany as a basic requirement before you can take out a MAWISTA tariff as a jobseeker in Germany. Depending on your specific situation, one of the following processes will apply: Note: In case of a visa denial, the visa rejection letter is a valid document to close your account. Such tariffs can be taken out for a duration of 60 months. Expats. However, as soon as you apply for private health insurance you will still need an exemption from the obligatory statutory health insurance when enrolling at university. The insurer covers the outstanding difference of 22,800 euros., Option 2: The following services are covered, provided they have been ordered by a doctor: To switch to MAWISTA Student from another insurance company during your stay abroad, you should check the cancellation periods with your previous insurance company. The difference in the cost of the insured claim is paid by the insurance company. This is because your statutory health insurance only protects you in case of illness from the date of your enrolment onwards. The tariff can be cancelled on a monthly basis, thus providing academics with a high degree of flexibility. How do I receive prescriptions after a video consultation? How much is the deductible and how is it calculated? 1 With the Free Travel Health Insurance in the Fintiba Plus package, you can save up to 95.00. Why is it a good idea to take our accident/liability insurance? Most immigration authorities require proof that the health insurance is equivalent to statutory health insurance. We therefore recommend discussing the invoicing methods with the doctor before receiving treatment. Do doctors invoices need to be translated before being submitted? Fintiba Transfer Proven material expenses will be reimbursed by the insurer in accordance with the tariff. Companion However, the insured person does not require written agreement for the first 3 weeks of a follow-up treatment if the following conditions are met: the treatment is carried out in a facility that has been recognised by a statutory rehabilitation provider for this treatment. Screenings for illnesses, check-ups for children or teenagers, dental check-ups and preventative treatment, and fees for doctors certificates, diagnostic reports and (incapacity for work) certificates that were not requested by the insurer. Consequently, you can only enrol when you have valid health insurance. The Student Pro insurance tariff ends after a term of 5 years at the latest. All the health insurance tariffs we offer for foreigners are valid in Schengen countries. DAK charges 121,56 for persons under 23 years of age and 124,40 for childless persons over 23 years of age. What does waiting period mean and is there generally a waiting period? The product finder will show you all the health insurance plans available to you as an international student. An insurance application for the MAWISTA Student tariff can be submitted easily online. The insurer only pays for spa or sanatorium treatments if this is expressly included in the tariff. If the insured person proves by means of a bank receipt that they purchased the foreign currency at a higher price, this rate shall apply. Each family member must take out insurance separately. If you have toothache, you should go straight to a dentist. Please note that the respective insurance conditions always apply. MAWISTA Expatcare is a reliable health insurance plan for work-related or private stays abroad of up to five years. The MAWISTA insurance card makes your life as a student in Germany easier. Private travel health insurance; Attractive cost-benefit ratio; . Persons from Germany who take out a tariff for their stay abroad do not receive an insurance card, as this is only valid in Germany. The insured person pays 1,200 euros of the bill himself. The Blocked Account can be opened completely online and within only a few minutes. For people from 30 years up to 39 years of age the costs increase to 89.00 per month. The insurance card is included free of charge in our tariffs Student Classic Plus, Student Comfort, Expatcare Comfort and Expatcare Premium which are taken out for Germany. In addition, the costs of the medically advisable and justifiable repatriation are reimbursed upon request by the insured person where continued hospital treatment is expected to exceed 14 days in the opinion of the physician giving treatment. To ensure that everyone in Germany can benefit from good basic medical care and protection against high medical bills, all persons living in Germany must take out health insurance. Variant 1: Do not admit liability for any damage at the scene of an accident. Here, you as the policyholder pay 10% of the costs of all insured services. You hand this in at a pharmacy of your choice in order to receive the corresponding medication. No, invoices do not need to be translated ahead of time. Upon discovering I needed an operation, I phoned and asked what to do. The Product Finder can show you all of the health insurance tariffs suitable for you as an international student. Students who are eligible for the governmental health insurance will be switched to DAK from the day of their official enrolment. students over 30 years or non-students) Description of the insurances Irrespective of this, the costs of the patients repatriation to his or her home country are paid if these remain within the limits of the expected costs of continued medical treatment. The Fintiba Plus package always includes a Blocked Account to prove your sufficient financial means as well as Travel Health Insurance. The health insurance plan also offers lots of flexibility outside Germany. Immediately after the money has arrived, the blocking confirmation for your visa appointment will be issued automatically. How do I receive proof of insurance for the immigration office or university? The second medical bill is 5,000 euros. * What kind of costs will be refunded by the insurer in case of a return transport? You can also remain insured on the private full health insurance plan for an affordable rate even after you have finished your studies. All the relevant information required for a quick identity check is stored on the card. Note: If you are already legitimated, we will be able to transfer the money to your German current account too, depending on your instructions. Get your blocking confirmation instantly after a credit card payment via Fintiba Transfer! A monthly term offers flexible adjustment of the contract term, meaning that if you return early to your home country, you will not incur additional costs. 4 The MAWISTA Student Classic tariff costs 25.00 per month for people up to 29 years of age. On top of that, there is an individual additional contribution to the respective health insurance company. Whereas the governmental health insurance is accessible for everyone, certain conditions apply for private health insurance. With MAWISTA GKV, you can choose between two leading statutory health insurance providers. In addition to the attractive price-performance ratio, youll also benefit from the optional accident and liability insurance. Get a free online consultation and find out what you need for your stay in Germany. The insurer pays 1.8-3.5 times the rate depending on the tariff that has been taken out. You can go to the doctor even before you have the insurance card. What does the Private Health Insurance cover? It is characterized by an attractive price-performance ratio, a free choice of doctor and hospital, and the option of flexible contract termination at the end of each month. You are entitled to an insurance card if you take out a Student Classic Plus or Student Comfort tariff for Germany. Every person who wants to study or work in the Federal Republic of Germany is required to prove sufficient financial means and health insurance. High-quality private health insurance is available for scholarship holders and guest scientists. Alternatively, the prescription can be sent to you by post. Please use the form for questions or to request written information. This is often the case with cheap tariffs to keep the monthly premiums as low as possible. Thanks to our quick, expert service, you will receive your contract documents within 24 hours after verification. Health Insurance MAWISTA Student - Insurance Benefits at a Glance / Tariff Table 7 Declarations and information on data processing 9 Please note the following important information Scope of validity: see Product and Consumer Information and 2 VB AB AWP E 14 MS U Maximum insured travel duration: The insurances are valid for the agreed term, maximum 48 months. In case you can provide equivalent health insurance in all aspects of coverage from your home country that is valid here in Germany, you would still need to exempt from the statutory health insurance before your enrolment at a German university. (9) What happens when several payers are involved? Save time & money on your international transfer and pay in your money with Fintiba Transfer. These tariffs have particularly consumer-friendly conditions and can be cancelled on a daily basis at the end of the month. What data is stored on the insurance card? To do so, the cancellation must be made via the Hallesche4u app or alternatively by email and must be received by the insurer at least 15 days before the end of the month. Save time and let us take care of what you need for your stay in Germany. You must be exempt from statutory health insurance in order to register to study at a German university. The insurer will grant permission provided this later follow-up treatment is medically necessary. After that you will receive an invoice and submit it to the insurer. massage), up to 8 per insurance year, Analgesic dental treatments, denture repairs and temporary solutions (max. This is also the case if you do not have your insurance card with you. Which health insurance policy is needed to cover accompanying family members? If the costs for treatment or other benefits are conspicuously out of proportion with the benefits provided, the insurer does not have to provide such benefits. Please answer all questions in order to ensure the claim is processed quickly. The MAWISTA Student Comfort tariff covers the costs of vaccinations up to 250 euros. The insurance card is included free of charge in our tariffs Student Classic Plus, Student Comfort, Expatcare Comfort and Expatcare Premium which are taken out for Germany. Within the MAWISTA Student Classic and Pro tariffs, you canfreely choose whether you want toinsuredental coverage andwhich deductible is your favorite.. However, the insurer will pay if. Deutschland, Scharnhorststr. What happens if I lose my insurance card? The statutory insurance contributions for foreign students are the same for all health insurance companies. Luckily I got worried a bit later and had a German speaker phone for me - she was told that I needed to send certain documents to Mawista . MAWISTA Student Comfort also covers visits home for up to six weeks per insurance year. The tariff offers monthly contract terms up to a period of 5 years and includes lots of extra benefits as well as up to six weeks insurance coverage in Germany on the MAWISTA Student Comfort tariff. Inpatient hospital treatment. Fintiba Insights Fintiba Plus 24/7 medical assistance/emergency call centre, Transport costs to nearest suitable hospital, Medically prescribed medicines and dressings, Repatriation costs up to 25,000 in the event of death, Waiting period for pregnancy treatment (in months), Waiting period for childbirth (in months), Remedy treatments (e.g. GET PACKAGE NOW In general, the package consists of a combination of 3 different insurances, which can be composed as follows: Types of Packages For students For students with a preparation or language course For everyone not eligible for governmental health insurance (e.g. No medical data, diagnoses or other private data are stored on your card. As soon as your application is approved, confirmation of insurance will be sent via email immediately. Repatriation costs up to 25,000 in the event of death. It is not possible to send the prescription by e-mail. MAWISTA Student is the ideal choice as a flexible health insurance tariff that provides quality cover. Simple authentication at the doctors office, Included in the Classic Plus / Comfort tariffs. MAWISTA Student Comfort. Any later than this, you will only be able to switch to an equivalent or lower tariff. The exchange rate is the official euro exchange rate of the European Central Bank or the exchange rate of the Deutsche Bundesbank. What distinguishes DAK from other health insurance providers? Reliable health insurance for the following groups: International students studying abroad need health insurance that covers the costs of an unexpected illness or accident quickly and easily. For the appropriate organization in an emergency, a team is available to you 24/7, 365 days a year. The insurer does not pay for rehabilitation treatment. A doctors invoice of 100 is submitted to the insurer. Waiting period for pregnancy treatment: 3 months, Waiting period for pregnancy treatment: 0 months. 500/ year, no deductible for teeth), Maximum amount of prophylaxis in one calendar year, Health insurance coverage in home country, Health insurance coverage in Germany incl. If the treatment is a follow-up treatment, the insurer will pay in accordance with section 5, para. Testimonials Here was my experience: 1. For a normal Schengen visa, there is the MAWISTA Visum tariff, which can be taken out for a trip duration of 8 days or more. MAWISTA Student Health Insurance - Tariff Comfort, Classic plus & Classic - Emergency Call Insurance - Tariff Comfort, Classic plus & Classic - Accident Insurance - Tariff Comfort, Classic plus - Sums insured: up to 140,000 per person in the event of disability, 10,000 in the event of death 810/2009 of the European Parliament and Council as of 13.07.2009 and is unlimited. Find out the most important information about the German healthcare system and which insurance option suits you best. Detailed report on findings by the doctor who ordered the operation, Information about when the operation will take place, Information about where the operation will take place, MAWISTA Student Classic: 20% per insured benefit, max. Otherwise, a visa will not be granted and there will be no enrolment at a German university. The only condition is that your insurance coverage has already started. International students receive quality health insurance starting at just 25 euros per month. 2 We will issue an insurance confirmation which is valid for 183 days. Naturopathy provided by doctors is also included in the tariff. In case your visa is rejected or in case you need to cancel your duration earlier than expected after you arrive in Germany, it is always possible to completely close your Fintiba Plus package. Generally, it is possible to switch within the MAWISTA Student Pro tariffs. Treatment for pre-existing conditions will therefore not be paid for by the insurer. In the following you can find the differences between DAK and other statutory health insurers. If you continue your stay in Germany after cancelling Student Pro, please also submit a proof of your subsequent insurance. The MAWISTA Visum tariff is particularly suitable in these circumstances. The tariff is valid on a monthly basis for up to five years. They also therefore cover a short holiday in a neighbouring country. Liability insurance pays costs for accidental damage in daily life. For further processing, a damage report containing all the information to hand, as well as supporting documents, is needed: State the insurance number and send the documents to sachschaden-awpde@allianz.com. 10 euros. MAWISTA Student - Tariff Comfort Health Insurance Deductible: 10% per insured benefit for outpatient treatment and dental treatment, maximum 250 per calendar year Emergency Call Insurance Accident Insurance Sums insured: up to 140,000 per person in the event of disability, 10,000 in the If you have any questions, give us a call wed be happy to help you! For property and personal damage, the sum insured is up to 1,000,000 per person and up to 250,000 for damage to rental property (for example, water damage caused by you). MAWISTA Student Comfort will provide coverage during this phase of your life for an attractive price-performance ratio up to the age of 39. Travel Insurance is a cheap and effective way to protect you against that risk. Depending on your needs, the Fintiba Plus package may include the MAWISTA Studentas private health insurance. An incoming/travel insurance cannot be accepted for the enrolment. The information will be checked upon receipt and a response will be sent in writing. Depending on the purpose of your stay, the duration of your previous studies and your age, your package will include some or all of the following components but always only what you need: By just providing us with a few details about your person and your plans in Germany we evaluate which health insurance your tailored package needs to include, Blocked Account and Free Travel Health Insurance to prove your financial means and insurance coverage for your visa, (If applicable) Private Health Insurance to cover the insurance gap up to your official university enrolment, A Governmental Health Insurance will become effective as soon as you are enrolled at a German university. MAWISTA Student Pro is a high-quality private full health insurance that is specially tailored to the needs of international students at German universities (Bachelors, Masters). The insurer will reimburse the incurred costs at 1.8 times the rate after they have checked the invoice (with deduction of excess depending on tariff). Please accept the call and youll then see your doctor on the screen. We will send you an email where you can obtain a new card. Outpatient treatment by a physician. For illnesses and accidents intentionally caused by the insured person and their consequences. This health insurance plan covers both incoming guests in Germany and Germans abroad. Please note: Persons from Germany who take out a tariff for their stay abroad will not receive an insurance card, as it is only valid in Germany. With the MAWISTA Student Classic Plus and Comfort tariffs liability insurance is included at an affordable price. There are cases in which the insured person could receive statutory rehabilitation treatment, but culpably does not do so. The MAWISTA Student Pro Premium tariff covers 100% of the statutory preventive programs without age limit. Sometimes there is an additional fee for the medication. the insured person's life is threatened if they leave the area. Then get health insurance with the MAWISTA Student Comfort tariff. This means that if your previous insurance ends on the 31st of a month, for example, the new MAWISTA Student insurance policy should start on the 1st of the following month. Simply send a brief email to info@mawista.com and state the policy number and the number of months for which the policy should be extended. How do I get proof of insurance for the immigration office or university? change of address in just a few clicks, If you have any questions, you can contact the insurer directly via the app. German Language Offer, Fintiba Transfer A MAWISTA student tariff offers up to five years of health insurance and you can still cancel monthly at any time. In addition, you will find the MAWISTA emergency number on your card at a glance, which you can use to initiate direct cost coverage with the insurer in the event of inpatient treatment in the hospital. Invoice with a fee rate that is lower than the reimbursable rate: With the MAWISTA Student Classic Comfort tariff, the insurer will generally reimburse all insured benefits from 1.8 to 3.5 times the rate. The card allows you to quickly identify yourself at the doctors office. Extract of the insurance terms and conditions: For a single person, annual travel insurance costs around EUR 10 per year, for families, policies are available for approx. When and how can the contract be cancelled? Can I take out private health insurance at a German higher education institution? In this case, your employer will pay half your insurance premium. Accommodation, Visa and Residence Permit What do I do in the event of a liability claim? Within the MAWISTA Student Classic and Pro tariffs, you can, Easy submission of invoices and receipts thanks to the photo and upload function, All contracts and payment notifications at a glance, Various services e.g. 83 73207 Plochingen [email protected] +49 7024 469 51-0 International students. 83 USA/Canada) and the duration of the trip. For more information on the insurance coverage, you can download the info flyer of DAK Gesundheit. This was a flat-out lie. Once you have arrived in Germany, we recommend switching to a MAWISTA student tariff for the duration of your studies. The insurer will pay if the insured person is treated as the result of a pandemic in Germany. Here, youll be insured for visits or holidays to your home country for up to 12 weeks. (4) Does the insurer pay in the case of a pandemic? If you have an illness or injury that is not classed as an emergency, the normal course of action is to go to see a doctor in a doctors surgery. massage and mud baths, lymphatic drainage) exceeding six treatments in the insurance year; The purchase of prostheses and medical aids; except for accident-related medical aids where cover up to 250 is provided per insurance year; Treatment of alcohol, drug and other additions and their consequences; Treatment for pregnancy which began prior to the start of the insurance policy and treatment for pregnancy during the waiting period after the start of the insurance policy; Treatment or hospital stays related to prolonged illness, nursing care or psychiatric commitment; Psychoanalytical and psychotherapeutic treatment and hypnosis; Fees that exceed what is generally considered normal and reasonable in the country in question and fees for selective services, such as a private room or treatment by the head physician. Successfully completed your studies abroad in Germany and currently looking for a job? If the illness is minor (for example, you have the flu, headaches or have had a minor accident), we recommend visiting a general practitioner in your local area. The difference must be covered by the insured person. Get your blocked account together with the required health insurance within one solution covering everything from your visa appointment until the enrolment at your university everything fully digital and app-based. According to German law 5 paragraph 1 Nr. The Fintiba Plus package includes the MAWISTA Visum as travel insurance which is issued for a duration of 183 days. massage) per insurance year, Accident-related medical aids (not including vision aids) per insurance year, Dental treatment to stop pain, repairs of dental prostheses and temporary solutions per insurance year, Liability insurance for recovery measures, Liability insurance for damage to rental property, Liability insurance for personal injury and property damage, Dental prosthesis up to 60% of the costs per insurance year, Vaccinations as recommended by STIKO (Standing Vaccination Committee), Accident-related vision aids per insurance year (3 month waiting period), Maximum reimbursement based on GO/GOZ (for international visitors to Germany). Please contact our customer service in case of a lost card. MAWISTA is a market leader in Germany with individually developed health insurances for stays abroad for academics and expats. The insurer does not pay if the insured person is treated outside Germany as the result of a pandemic. Students who are attending a preparatory language course or for example a Studienkolleg also need health insurance. Are medications included in the insurance? The premium amount has remained relatively stable, and significant improvements to conditions have been made. The insurer's claims department reviews the bill and transfers the reimbursable amount to your account. This means that in case of an insured event of a need for care, cash benefits or non-cash benefits are provided. What does the MAWISTA Student tariff not cover? 3With our new OCR technology, your passport will be verified within minutesand you are ready to transfer your money right away. 5 The payment of the fees starts after enrolling at the university. As soon as your application is approved, you will immediately receive your insurance certificate via email. Please be advised that the following documents CANNOT be accepted to close the Fintiba Plus package: de-registration letter (Abmeldebesttigung), border-crossing certificates (Grenzbertrittsbescheinigung), stamp in your passport when you re-enter your home country, declaration of commitment or self-created documents. This will then be sent to you by post. Since in their case, they are not yet enrolled in university and therefore not eligible for the statutory health insurance, private health insurance needs to be taken out. With the MAWISTA Student Comfort tariff, pregnancy is covered without a waiting period. The system is based on two types of health insurances the statutory (or governmental) health insurance and private health insurance. Persons from Germany who take out a tariff for their stay abroad do not receive an insurance card, as it is only valid in Germany. Only relevant data that the doctor needs for billing is stored on the card. Afterwards, the private health insurance company will reimburse the costs upon submission of an invoice (cost reimbursement principle). are prevented from leaving the area through no fault of their own. We can recommend a suitable health insurance tariff for all types of study. We use the current exchange rates for the day on which we receive the receipts. We are available Monday to Thursday from 9 a.m. to 5 p.m. and Friday from 9 a.m. to 4 p.m. on +49 (0)7024 469 510. Short trips (weekend trips) abroad are also covered by such policies, for example. MAWISTA Student Pro can be applied for either before or during your studies in Germany.
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