What are the main aspects to know regarding international health insurance? We have compiled a list for you that includes the key advantages of EDUCARE-WORLD.
Most travel insurances need to be concluded before departure. Once you have arrived abroad, most providers do not offer insurance anymore. EDUCARE-WORLD can be concluded after departure. Thus, EDCUARE-WORLD is particularly suited for latecomers. However, we recommend concluding insurance before the beginning of your stay abroad to make sure that you have coverage for the complete duration of your stay. Please notice that there is a waiting period of 14 days for medical claims if insurance was purchased more than one month after border crossing. This waiting period does not apply in case of an accident or if EDUCARE-WORLD was purchased subsequently to a prior insurance.
Apart from the J-2, F-1 und F-2 Visa requirements, EDUCARE-WORLD meets all the insurance criteria which the Department of State has stipulated for J-1 visa exchange programs in the USA. These include, among others, a minimum coverage of $100,000 for medical treatment in case of illness and accidents, a coverage of $25,000 for the repatriation of remains in case of death as well as a very good financial strength rating by specified rating agencies such as A.M. Best, Standard & Poor's or Fitch.
EDUCARE-WORLD is more than just an ordinary travel health insurance policy. In addition to comprehensive health insurance abroad, the tariffs M and L also provide you with accident insurance, liability insurance as well as assistance insurance. EDUCARE-WORLD L additionally includes baggage insurance.
EDUCARE-WORLD includes comprehensive assistance services that are vital for young travelers and will soothe their parents’ jangled nerves. These services include a 24-hour emergency number, organization and cost coverage of a visit to the insured person by a close relative in case of a hospital stay as a result of critical illness/an accident as well as legal assistance and help with lost means of payment.
The financial strength of Allianz Worldwide Care SA has been evaluated by one of the leading international credit rating agencies, Standard & Poor’s, and rated AA (excellent). You can rest assured that even in uncertain times like these, EDUCARE-WORLD is backed by a solid and reliable partner.
Not only medically necessary but also medically advisable repatriation is covered. In practice, the difference can mean being able to return to your home country instead of having to spend a longer time in a hospital abroad.
If the traveler lives with a host family during his time abroad, the host family is covered within the scope of liability insurance, too. The maximum amount for bodily injury and property damage payable for claims of the host family is €1,000,000. Damages to rented property are covered up to €100,000. There is a deductible of €100 per claim.
Get DR-WALTER’s brand new safety app MY-SAFETY-ASSISTANT for one year. After receipt of your password, you can download the app to your smartphone for free. This way, you will benefit from a wide range of information during your travels: push notifications about security issues, local news, direct dialing of emergency numbers and tracking services.
It only takes a few minutes to purchase EDUCARE-WORLD through our secure server. You will then immediately receive your insurance certificate.
Your policy becomes due for payment at the conclusion of the insurance contract. Premiums are calculated depending on the number of months or part thereof. Should you return early from your stay abroad, a phone call or an email is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. You only pay for the actual period of insurance. No service fee will be charged for this reimbursement.
During the entire insurance period, cover is provided within the insured area of validity. In addition, worldwide cover is provided up to six weeks. If you interrupt your stay abroad in order to visit your home country, cover will also be provided up to six weeks.
With EDUCARE-WORLD, you have exactly one contact partner. Consultancy, contract handling, payment processing and claims settlement will be dealt with by our staff.