Provisit Science meets the regulatory requirements in several ways.
1. For your entry: There are a variety of requirements when providing insurance to visiting scientists in Germany. Regulations of the European Council, the Regulation on Freedom of Movement/EC and German residence law must be observed. The scope of Provisit Science corresponds to the protection of compulsory health insurance and meets the requirements of immigration authorities.
2. For your research stay: Scientists need health insurance for their stay in Germany. Provisit Science is a private comprehensive health insurance policy that is tailored to the needs of visiting scientists.
3. For the time after your educational stay: With Provisit Science, you enjoy the same privileges as German citizens. You automatically remain insured in the German social security system and are treated in the same way as any German national.
Provisit Science is an affordable alternative to the health insurance of the German Academic Exchange Service (DAAD) and the group contract of the Max Planck Institute (MPI).
If you receive funding from an organization, company or institute, you can purchase our Provisit Science insurance policy at a particularly low premium.
Provisit Science is also the perfect comprehensive health insurance for visiting scientists and academics without funding for their stay in Germany.
Provisit Science is a health insurance, which you can extend to provide comprehensive coverage by adding the ‘Protect Standard’ or ‘Complete’ package. Accident, liability, baggage and assistance insurance protect you in your free time, but also during your research work.
Most German health insurance policies can only be purchased with a German bank account and an address in Germany. You can also apply for Provisit Science from abroad. Insurance starts from the date of entry. Simply submit any missing data after your arrival in Germany.
Many traveling researchers require a visa for their stay in Germany and therefore proof of having German health insurance. With Provisit Science, you will receive proof of insurance immediately after submitting the online application. The insurance solution is accepted at all consulates, embassies and immigration authorities.
If you do not have a German bank account, yet, you can still purchase our Provisit Science insurance policy before you enter the country. Just provide us with your bank data after your arrival so that we can activate the insurance and start the monthly debit.
Many benefits, such as dental cleaning or a glasses allowance, are not covered by providers of compulsory health insurance. With Provisit Science, many benefits are included:
- an allowance of € 150 for your new glasses or contact lenses every two years,
- daily hospital allowance,
- convalescence allowance.
‘Deductible’ means a contribution to medical expenses. Example: A ‘deductible of €50 per insured event’ means that you have to pay €50 of the medical bill yourself in case of an illness. With Provisit Science, there is no deductible in your health insurance policy.
Providers of compulsory health insurance only cover the costs of treatment by statutory health insurance physicians. Our private comprehensive health insurance policy Provisit Science also reimburses bills from private physicians. If you have private insurance, you can get an appointment with the doctor quickly and do not have to wait as long on site.
With private health insurance policies such as Provisit Science, you donot have to make co-payments for medicines. Providers of compulsory health insurance often charge up to €10 for prescription drugs.
If you contract COVID-19 during your trip, Provisit Science provides protection. The policy covers the medical treatment as a result of a coronavirus infection.
If you have an accident in Germany and a medically necessary return transport to your home country is ordered by a doctor, this can quickly cost a lot of money (often more than €15,000). Providers of compulsory health insurance do not cover such costs. Provisit Science covers return transports.
Many people wish to be buried in their home country after their death. A transport of mortal remains can be very expensive and is not covered by compulsory health insurance. In the event of death, we work with selected partners who ensure burial in Germany or transport of mortal remains to the home country according to different religions and world views.
Provisit Science does not only cover your research stay in Germany but also has you covered during trips to your home country or while vacationing in general. It offers unlimited insurance coverage within Europe and up to four weeks per insurance year outside Europe.
You can purchase our policy Provisit Science for up to 5 years. If you stay in Germany for a longer period of time, you will automatically change to an unlimited insurance.