Navigation
Navigation
General questions
General questions
The difference between a „Kleine Anwartschaft“ („small dormant solution“) and a „Große Anwartschaft“ („big dormant solution”) are old age provision which are build up during a big dormant solution. Thereby your original entry age remain the same after reactivating your old contract. Metaphorically your health status and original entry aged will be frozen with the beginning of your entitlement.
This term is a synonym for insurance product. Almost all tariffs start with EXPAT. The following name (e.g. FLEXIBLE or PRIVATE) then defines the certain tariff or product. Hence, if we ask you for your tariff, we mean the name of your insurance product.
The difference between a „Kleine Anwartschaft“ („small dormant solution“) and a „Große Anwartschaft“ („big dormant solution”) are old age provision which are build up during a big dormant solution. Thereby your original entry age remain the same after reactivating your old contract. Metaphorically your health status and original entry aged will be frozen with the beginning of your entitlement.
This term is a synonym for insurance product. Almost all tariffs start with EXPAT. The following name (e.g. FLEXIBLE or PRIVATE) then defines the certain tariff or product. Hence, if we ask you for your tariff, we mean the name of your insurance product.
Questions on Claims Handling
Questions on Claims Handling
It might become necessary to ask a former insurer or doctor for more information on a certain claim or application.
To allow them to pass this information to us, your consent is needed.
All medical conditions (diseases, chronic diseases etc.) which existed before the inception date of the policy are considered to be pre-existing conditions.
This also includes an existing need for medical treatment, follow-up treatment and related drugs and medical aids.
For more questions, please contact our assistance service provider ALLIANZ GLOBAL ASSISTANCE Service Deutschland.
The following treatments are covered depending on your product:
• Pregnancy examinations, ultrasound testing, delivery
• If medically necessary: midwife services during pregnancy,
• 14 midwife consultation during and after delivery (adopting the principles of the statutory health system of Germany)
Please send us a copy of the expectant mother’s records of prenatal and natal care or something comparable after you come to know about your pregnancy.
All accruing medical costs will not be refunded by us.
Evacuation to the country of origin will be considered if there is a medical necessity and an appropriate medical treatment is not possible in the country of residence.
For further questions please contact our assistance service provider ALLIANZ GLOBAL ASSISTANCE Service Deutschland.
To allow a fast handling of your claims it is important that all original bills, receipts and documents related to your condition are submitted.
You will find further information on the claims reimbursement form of your product. These can be downloaded here.
We would request you to submit your bills either in German or English – where possible.
But of course we would prefer submission of claims to be sooner as processing them is more difficult after a longer period of time.
We need the original bills to handle your claim. A pre-check via e-mail or fax is currently not possible.
The majority of our products cover simple dental fillings (amalgam fillings). If you want to have composite fillings instead, you are free to obtain them but we will only refund the price of an amalgam filling. To take the country specific costs for simple fillings in account please ask your dentist to confirm these costs and submit that confirmation with your bill.
Annual check-ups are covered but no preventive treatments (dental clearance, deep cleaning or the like).
For details and certain conditions relating to your products, please check the terms and conditions of your products.
How are the procedures for coverage of dental prosthesis?
You will need to obtain a cost plan for the treatment from your dentist and send it to us. We will then confirm the amount covered in writing. Please be aware that waiting periods and coverage limitations relating to your product will be applicable.
It might become necessary to ask a former insurer or doctor for more information on a certain claim or application.
To allow them to pass this information to us, your consent is needed.
All medical conditions (diseases, chronic diseases etc.) which existed before the inception date of the policy are considered to be pre-existing conditions.
This also includes an existing need for medical treatment, follow-up treatment and related drugs and medical aids.
For more questions, please contact our assistance service provider ALLIANZ GLOBAL ASSISTANCE Service Deutschland.
The following treatments are covered depending on your product:
• Pregnancy examinations, ultrasound testing, delivery
• If medically necessary: midwife services during pregnancy,
• 14 midwife consultation during and after delivery (adopting the principles of the statutory health system of Germany)
Please send us a copy of the expectant mother’s records of prenatal and natal care or something comparable after you come to know about your pregnancy.
All accruing medical costs will not be refunded by us.
Evacuation to the country of origin will be considered if there is a medical necessity and an appropriate medical treatment is not possible in the country of residence.
For further questions please contact our assistance service provider ALLIANZ GLOBAL ASSISTANCE Service Deutschland.
To allow a fast handling of your claims it is important that all original bills, receipts and documents related to your condition are submitted.
You will find further information on the claims reimbursement form of your product. These can be downloaded here.
We would request you to submit your bills either in German or English – where possible.
But of course we would prefer submission of claims to be sooner as processing them is more difficult after a longer period of time.
We need the original bills to handle your claim. A pre-check via e-mail or fax is currently not possible.
The majority of our products cover simple dental fillings (amalgam fillings). If you want to have composite fillings instead, you are free to obtain them but we will only refund the price of an amalgam filling. To take the country specific costs for simple fillings in account please ask your dentist to confirm these costs and submit that confirmation with your bill.
Annual check-ups are covered but no preventive treatments (dental clearance, deep cleaning or the like).
For details and certain conditions relating to your products, please check the terms and conditions of your products.
How are the procedures for coverage of dental prosthesis?
You will need to obtain a cost plan for the treatment from your dentist and send it to us. We will then confirm the amount covered in writing. Please be aware that waiting periods and coverage limitations relating to your product will be applicable.
Questions on contracts and applications
Questions on contracts and applications
But for persons going abroad for an unlimited time, we have developed Expat RETIRED – which has no time limits at all.
But please note that instalments cause additional costs: monthly 5%, quarterly 3%, and biannual 2% of your premium. Please contact us if you have further questions on this subject.
Instalments require a greater administrative effort, with the allocation of premiums.
To cover these additional efforts, we are required to seek additional charges.
Our terms of notice are as follows:
• Individual health insurance products (excluding EXPAT RETIRED): with the expiry of the month following on notice of termination being given
• Corporate customers, health insurance products / unemployment insurance: with the expiry of the month on notice of termination being given
• EXPAT RETIRED, liability insurance, accident insurance and legal expenses insurance: with the expiry of the insurance year on a three month notice
• BDAE membership: with the expiry of the insurance year on a three month notice
• BDAE-Membership with the expiry of the calendar year on a three month notice
Cancellations have to follow our terms of notice.
Exception according to §205VVG: if you are compulsorily insured in Germany then you may cancel your insurance within 2 month notice retrospectively for 3 month. Therefore we just need to proof your compulsory insurance.
• Passport
• Flight ticket
• Confirmation of visa
Please look for the terms of conditions in our other tariffs and contact us for questions.
In addition, the claims handling for USA/Canada is done by our service provider, Euro Care.
But generally, they are all EXPAT-product private health insurance product.
But for persons going abroad for an unlimited time, we have developed Expat RETIRED – which has no time limits at all.
But please note that instalments cause additional costs: monthly 5%, quarterly 3%, and biannual 2% of your premium. Please contact us if you have further questions on this subject.
Instalments require a greater administrative effort, with the allocation of premiums.
To cover these additional efforts, we are required to seek additional charges.
Our terms of notice are as follows:
• Individual health insurance products (excluding EXPAT RETIRED): with the expiry of the month following on notice of termination being given
• Corporate customers, health insurance products / unemployment insurance: with the expiry of the month on notice of termination being given
• EXPAT RETIRED, liability insurance, accident insurance and legal expenses insurance: with the expiry of the insurance year on a three month notice
• BDAE membership: with the expiry of the insurance year on a three month notice
• BDAE-Membership with the expiry of the calendar year on a three month notice
Cancellations have to follow our terms of notice.
Exception according to §205VVG: if you are compulsorily insured in Germany then you may cancel your insurance within 2 month notice retrospectively for 3 month. Therefore we just need to proof your compulsory insurance.
• Passport
• Flight ticket
• Confirmation of visa
Please look for the terms of conditions in our other tariffs and contact us for questions.
In addition, the claims handling for USA/Canada is done by our service provider, Euro Care.
But generally, they are all EXPAT-product private health insurance product.
