EDUCARE-WORLD is a group contract solution consisting of independent insurance contracts and providing insurance cover during stays abroad for members of the Living Abroad Community e. V. (LAC) and for participants of affiliate partner companies and organizations. Upon your signature of the contract, you will receive a certificate of enrollment that will provide you with information on insured persons and range of services.
You can choose from 3 different types of EDUCARE-WORLD insurance policy: S (small), M (medium) and L (large). All 3 product variations include the reasonable return transport to the home country.
EDUCARE-WORLD S includes international health insurance.
We recommend EDUCARE-WORLD M, our comprehensive cover, which consists of international health insurance, assistance insurance, personal liability insurance and accident insurance.
If you choose EDUCARE-WORLD L, you additionally obtain baggage insurance.
The monthly premium consists of the LAC membership fee, health insurance premium and - if chosen - liability/accident insurance premium, assistance insurance premium and baggage insurance premium.
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, 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.