Benefits in detail
Health insurance benefits
(Educare World options S, M and L)
Cost coverage of medically necessary treatment in case of acute illnesses or accidents abroad as well as medical repatriation. A deductible of 50.00 € per claim applies.
| Benefits | Insured sums |
| In-patient and out-patient treatment | unlimited coverage |
| Medically prescribed medicine, bandages and remedies | unlimited coverage |
| Medically prescribed aids which are necessary as a consequence of an accident | unlimited coverage |
| Emergency treatment in the event of pregnancy/qualifying period: 8 months | unlimited coverage |
| Palliative dental treatment including simple fillings and simple repair of existing dentures | 1.000 € per year |
| Accident-related provisional dentures | 2.000 € per year |
| Out-patient mental and psychiatric treatment | 1.000 € per year |
| In-patient mental and psychiatric treatment | 2.500 € per year |
| Medically advisable transportation (including repatriation) | 100.000 € |
| In case of death return of remains or funeral arrangements abroad | 10.000 € |
Assistance services
(EDUCARE WORLD options S, M and L)
| Benefits | Insured sums |
| Finding doctors, medical labs, hospitals and drugservices etc. | unlimited coverage |
| Advancement of medical treat-ment in hospital | up to 12.500 € |
| Organization & cost coverage of repatriation of remains or burial | up to 10.000 € |
| Organization & cost coverage of search, rescue and salvage costs | up to 5.000 € |
| Advancement in case of loss/theft/robbery of travel means of payment | up to 1.500 € |
| Organization and advancement of arising expenses, for court and lawyer fees, interpreter and bails | up to 2.500 € |
| Cost transfer and organization of one trip for a close relative to hospital and back in case of critical illness or accident | up to 7.000 € per year |
| Cost transfer & organization of homeward journey and back in case of accident/ death/ critical illness of close relatives or in the event of severe damage on property at home | up to 2.000 € per year |
Accident insurance benefits
(EDUCARE WORLD M, L and Z)
EDUCARE WORLD accident insurance provides the following benefits:
| M / L / Z | |
| Death benefit in case of accidental death | 10.000 € |
| Disability benefit (100% accidental disability) | 40.000 € |
| Disability benefit | 40.000 € |
Private liability insurance benefits
(EDUCARE WORLD M, L and Z)
The options EDUCARE WORLD M, L, and Z include full private liability coverage for the insured person. Apart from bodily injury and property damage, damage to rented property is also covered. Damage to rented property is a loss or damage caused to a rented apartment.
Moreover, insurance coverage is provided for losses or damages caused to the host family of the insured person.
Benefits are only provided by this insurance if the insured per-son has not purchased another liability insurance which offers sufficient coverage (principle of subsidiarity).
| M / L / Z | |
| Maximum amount for bodily injury and property damage Per claim | up to 1.000.000 € |
| Maximum amount payable within 12 months | up to 2.000.000 € |
| Maximum amount payable for claims of the host family | up to 1.000.000 € |
| Damage on rental property | up to 10.000 € |
| Deductible per claim | 150 € |
Losses or damages resulting from the use of a motor vehicle are excluded from insurance coverage.
Household contents and baggage insurance benefits
(EDUCARE WORLD L and Z)
Insurance coverage is provided for the entire household contents and baggage including valuables, jewelry, laptops, film and video equipment. The replacement value will be reimbursed in case of theft, burglary, robbery, deliberate damage to property by third parties, transport accidents or accidents suffered by the insured. Furthermore in case of storm, fire, lightning, explosion or force majeure.
If you wish to increase the insured sum from 2,500 € to 5,000 €, the additional monthly premium will be 5.00 €
Insured sums in household contents and baggage insurance:
| L / Z | |
| Replacement of household contents and baggage | 2.500 € (can be increased to 5,000 €) |
| Valuables | Up to 50% of the insured sum |
| Maximum reimbursement for loss from unattended vehicles/ tents per claim | 300 € |
| Maximum reimbursement per insured item | 250 € (increased sum: 500€) |
| Deductible per claim | 50 € |
Benefits of repatriation insurance
(EDUCARE WORLD S, M, L and Z)
The insurance covers medically advisable transportation (includ-ing medical repatriation) up to 100,000 € as well organization and cost coverage in case of repatriation or burial up to 10,000 €.