Do you want to have detailed information before purchasing our EDUCARE-WORLD insurance policy? In this section, we collected a number of frequently asked questions about the comprehensive cover provided by EDUCARE-WORLD. If you have any other questions, feel free to contact us.
Here you will find general questions about EDUCARE-WORLD.
LAC stands for Living Abroad Community e. V. The LAC is an association that looks after the interests of people living abroad temporarily as well as during short-term and long-term stays for personal or professional reasons and provides them with information and services. The purpose of the association is to be achieved in particular through:
- Providing advice and support to the above mentioned group of people in all economic, legal and social matters of their personal and family life that result from their stay abroad.
- Negotiating with authorities, associations, public insurance institutions and all other public and private bodies and institutions about the specific problems, needs and wishes of the above mentioned group of people that result from their stay abroad in order to improve their situation.
- Concluding agreements on special conditions for the above mentioned group of people regarding the purchase of goods and services.
You can be insured through EDUCARE-WORLD if you meet the following requirements:
Insurable group of people
To qualify for EDUCARE-WORLD, the main purpose of your stay abroad needs to be further education abroad. It is considered to be further education abroad if you take part in an exchange program as:
If the main purpose of your stay abroad is further education, insurance cover includes any periods without further education abroad within the insurance period applied for.
Accompanying family members can be insured as well if they are not more than 39 years old. You just need to conclude an insurance policy for each family member separately.
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.
Please send us some proof of reentry which confirms your premature return (for example your plane ticket).
Here are some frequently asked questions regarding the application.
In order to purchase EDUCARE-WORLD insurance cover, you only need to do 2 things: fill in the application form and check whether all entered information is correct. Then simply confirm your application - that’s it!
Yes, it is possible to conclude the insurance after departure. With that EDUCARE-WORLD offers a special plus compared to other providers.
EDUCARE-WORLD is suitable:
- for people who missed to conclude a travel insurance earlier.
- as a connecting insurance to a short-term travel insurance from another provider.
We recommend concluding insurance before the beginning of your stay abroad for the complete duration to avoid waiting periods.
Waiting periodThe insurance needs to be purchased prior to departure, or up to 1 month after departure, for the entire duration of the stay abroad or after departure for the remaining period of the stay abroad. Should the application for insurance be submitted later than one month after border crossing, the waiting period for medical claims will be 14 days from application. No waiting period applies in case of accidents or when the insurance was purchased subsequently to a prior insurance. In this case, please send a copy of your prior insurance by Email to contract(at)dr-walter.com.
Please proceed as follows:
Changing area of validity up to six weeks
If your stay in a country which belongs to a different area of validity does not exceed six weeks, you do not have to do anything. You have worldwide insurance coverage up to six weeks.
E.g.: You travel to Panama for six months. On your way back home, you want to make a four-week stopover in the USA.
Please choose “Worldwide travels excluding USA/Canada” as area of validity for the complete duration of your journey.
Changing area of validity for more than six weeks
If you want to spend more than six weeks in a country which belongs to a different area of validity, please insure each stay separately. Please purchase several EDUCARE-WORLD insurances. As first day of insurance, please choose the day of arrival in each country which belongs to a different area of validity. Please mention in your new insurance that it is a follow-on insurance. We will then terminate your previous insurance exactly when your new insurance cover starts. Please note that you need to insure the complete duration of your trip and that there may not be any periods without insurance coverage inbetween the different insurances.
E.g.: You plan to spend five months in Australia. Afterwards, you want to spend three months in the USA.
Please purchase one insurance for five months and choose “Worldwide travels excluding USA/Canada” as area of validity. As an immediate follow-up insurance, please purchase another insurance for three months and choose “Worldwide travels including the USA/Canada” as area of validity.
In this case, you will receive two insurance certificates. However, we will treat both insurances as one contract, thus there will not be any disadvantages to you. We will adapt the insurance period of your first insurance, and you will receive credit for this period.
In general, you need to purchase insurance for the complete duration of your stay. In case of an extension of your stay abroad, you can also extend your insurance cover. You can only take out a new insurance if you travel to a country which belongs to a different area of validity. In this case, you can take out a new insurance for the duration of your stay in the new area of validity. Please note that in this case, too, the maximum term of insurance with this policy is 24 months.
Yes, you can. When taking out insurance, please mention that you are organizing your stay yourself. You just need to write “Work and Travel without a program provider” in the field “Space for special notes”.
Yes, EDUCARE-WORLD meets the strict requirements for USA visa (J-1, J-2, F-1, F-2 visa). In addition, EDUCARE-WORLD offers the following advantages:
Following your application, you will immediately receive an email with your insurance certificate along with customer information.
Following your application, you will immediately receive an email with your insurance certificate along with customer information. If you did not receive an email, please check the mentioned email address and take a look in the SPAM folder.
When purchasing our policy online, all information is sent through a secure connection. We use your data only for fulfilment of the insurance contract. For more information, go to our section on data protection.
Here are some of the most frequently asked questions about existing contracts.
In case of an extension of your program abroad, you can apply for an extension prior to the end of the existing insurance policy. The maximum term of insurance with this policy is 24 months. Just give us a call:
Phone: +49 (0) 2247 9194
Mon-Fri: 8 am to 6 pm
Or you can send us a letter, fax or email.
If the insurer accepts your request for extension, insurance cover only applies for insured events that occurred after you applied for extension. In case of an extension, the insurer is not liable to pay for pre-existing and known conditions such as illnesses, ailments or existing pregnancies and their results.
After expiry of the period applied for, insurance coverage will end automatically. Should you return early from your stay abroad, please inform us. A phone call or an email is sufficient. In this case, you only pay the premiums which arose before the notification. Credit will be immediately refunded to your account. No service fee will be charged.
Please send us some proof of reentry which confirms your premature return (for example your plane ticket).
If the main purpose of your stay abroad is further education, the cover includes any periods without further education abroad within the insurance period applied for.
You want to interrupt your stay abroad for a few days in order to spend some time at home? No problem. If you interrupt your stay abroad and spend time at home, you will have insurance cover for 6 weeks. You can also travel home several times as long as the overall duration does not exceed 6 weeks. There will be insurance cover for costs resulting from an accident or from an acute and newly acquired illness. If you travel to your home country at the end of the insurance period, this is not considered to be an interruption of your stay abroad. In this case, insurance coverage ends as soon as you arrive in your home country.
You do not have to inform us if you choose to travel to a different country as long as the alternative country belongs to the same area of validity as the country you indicated. If the alternative country belongs to a different area of validity and if you stay there for more than six weeks, you need to inform us. Please also note the FAQ “I want to travel to more than one country, and these countries belong to regions with different areas of validity. Which insurance should I purchase?” in the section “Questions regarding application”.
You can access our online service 24/7. You can use our online forms, for
example, to apply for an extension of insurance cover, terminate the
insurance prematurely or change your bank and address data.
Please change to our Secure Server, to send your changes online (German).
Here are some of the most frequently asked questions regarding payment.
The premium for this policy is to be paid at the conclusion of the insurance contract for the entire term of the insurance. You can choose from the following payment options:
a) credit card: Maestro, Mastercard, Visa, JCB, Diners, Discover or American Express;
b) SEPA Direct Debit;
c) online payment system: eps, Klarna/SOFORT Überweisung, iDEAL or PayPal.
The premium for this policy depends on the duration of the trip. 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 need to pay for the actual insurance period. No service fee will be charged for reimbursement.
For countries in the euro-zone:
Where the term of insurance exceeds one month, you can also pay in monthly installments via SEPA Direct Debit. The first installment becomes due at the start of insurance, the subsequent installments at the start of each following month.
If you pay by credit card, we use the 3-D Secure procedure. It provides additional security for your credit card transactions and reduces the risk of fraud due to card misuse.
You first enter your credit card number. A connection will then be established with the card issuer so that you can confirm your identity, for example by entering a code. If the authentication was successful, the credit card payment is executed. The 3-D Secure procedure should not be confused with your credit card's check number (CVC).
In order to use the 3-D Secure procedure, you must register with your bank/credit company, which usually takes a few days.
Please avoid any chargebacks. Every chargeback causes an enormous administrative amount along with bank charges. For any unpaid direct debit, we will have to charge the resulting fees imposed on us, if you are the one responsible for the unpaid direct debit (for example as a result of revocation, incorrect information or insufficient account balance).
We will refund any overpaid premiums immediately in full without charging a service fee. 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. No service fee will be charged for this reimbursement.
Here you will find questions and answers regarding claims.
When you travel to the USA and to Canada, please contact our partner GMMI in the USA for advice and support – if possible prior to a medical treatment (24-hour emergency number). The staff of GMMI will help you to choose the right doctor or hospital, will explain all the billing details and can take care of direct billing with doctors and hospitals.
For further information, please go to What to do in case of illness?
Do you suffer from influenza, a cold or toothache? Go see a doctor! You are covered by international health insurance. For information on our policy’s benefits and benefit exclusions, go to our section Benefits. Inform your treating doctor (where applicable) about your policy’s scope of benefits to avoid overtreatment. After treating you, the doctor will give you an invoice. This invoice must include: name of the treated person, illness, type of individual medical services performed as well as the total treatment costs. If the invoice does not include sufficient information for a diagnosis, you can help us a lot by adding a short report about illness and treatment. Please submit your original invoice along with your insurance number and bank data. We will then refund your costs by means of bank transfer to the account mentioned by you. For details, go to: How are your invoices refunded?
Please always send us your original receipts by mail with your insurance number and (if the recipient’s account is different from the bank account stipulated in the contract) your bank data. We are not allowed to accept copies sent by fax or email.
We need about 2 weeks to process your request. You will be notified in writing when your request has been fully processed.
Any medication needs to be medically necessary or prescribed by a doctor. You will
receive your medication by taking the prescription to a pharmacy. The original
prescription can then be submitted to us for a refund of the costs.
The policy does not cover medication that can be bought at a pharmacy for free and without a doctor’s prescription.
Please note that we can only process a prescription after we received the related (doctor’s) invoice along with the diagnosis.
If you plan to go to a hospital, please call the insurer’s 24-hour emergency number. The staff will provide you with information on nearby hospitals and will explain what you should do next.
24-hour emergency number worldwide (except USA and Canada):
+49 (0) 89 55 987 -641
24-hour emergency number USA and Canada:
If the inpatient treatment is not an emergency treatment, we recommend arranging the
details of the planned therapy with our claims department beforehand. This way, we
can help you to minimize any financial risk.
Please contact us.
Phone: +49 (0) 2247 9194 -988
Mon-Fri: 8 am to 6 pm