from
€44.00per month
provisit au-pair24
Insurance for au pairs in Germany
- Health insurance including personal liability and accident insurance
- Optional preventive care, check-ups, and vaccinations
- Au pair activities are also covered
- Travel and return journey also covered
- Terminable on the day
Who is Provisit Au-pair24 for?
- For German host famlilies and their au pairs from non-EU countries
- For German host famlilies and their au pairs from other European countries
Provisit Au-pair24 is ideal for host families who value comprehensive, worry-free insurance coverage for their au pair from abroad. Our insurance is particularly suitable for families who want maximum security. You benefit from one of the most comprehensive insurance coverage packages on the market, including higher liability insurance sums.
Preventive medical checkups and vaccinations can also be covered. The “XL” tariff is one of the few au pair insurance policies that covers the costs of preventive care, checkups, and vaccinations up to €500 per year. This is not only particularly important for the health of the au pair, but also for the health of the host family.
Thanks to daily billing with no administrative fees, families enjoy maximum financial security in the event that the au pair's stay ends prematurely.
Unlike most comparable insurance products, Provisit Au-pair24 covers both the au pair's outward and return journeys as well as their au pair activities.
Provisit Au-pair24 at a glance
Au pair protection, from “very good” to “comprehensive”
You can take out Provisit Au-pair24 in four different versions: M (Medium), L (Large), XL (Extra Large), and Z (Additional). In addition to health insurance, all tariffs also include private, accident, and professional liability insurance, as well as deportation cost insurance. Exception: the Z tariff does not include health insurance.
We recommend AU-PAIR24 XL which not only provides complete all-round protection, but also includes certain preventive check-ups, vaccinations, and dental prophylaxis (up to €500 per insurance year).
Provisit Au-pair24 premiums and benefits
€44.00 per month
- Health insurance:
- Outpatient medical treatment
- Inpatient medical treatment including operations
- Provision with medicine, dressing material, and medical appliances
- Provision with remedies up to an amount of €250*
- Medically necessary rehabilitation measures (subsequent to a medical treatment)
- Examination and treatment due to pregnancy and childbirth
- Medically necessary transport of patients for purposes of inpatient treatment
- Direct billings with physicians and hospitals
- Medically necessary and prescribed return transport of an ill insured person from abroad to his/her home country
- Noncontributory extension of insurance coverage up to 90 days if the stay must be extended for medical reasons
- Repatriation of the mortal remains of the insured person or burial costs in case of death
- Fees for treatment and cost plans
- Alternative treatments (including homeopathy) by a resident physician
- Dental treatment for pain relief (including root treatments and simple fillings if the teeth are worth preserving)
- Simple repair of existing dentures up to 50% of actual cost, maximum reimbursement €1,000*
- Simple dentures due to an accident up to an amount of €2,000*
- Treatment of mental illness (also inpatient), except for psychoanalysis and psychotherapy
- Pre-existing conditions under certain circumstances
- Maximum rate of the German fee schedule GOÄ 2.3
- Maximum rate of the German fee schedule GOZ 2.3
- General excess per case €0
- Liability insurance
- Personal and professional liability insurance for au pairs €1,500,000
- Bodily injuries of the host family's children caused by the au pair €1,500,000
- Property damage to host family's immovable property (deductible €250)* €1,500,000
- Damage to rented property €100,000
- Accident insurance
- Accidental death benefit €5,000
- Benefit in case of 100% accidental disability €140,000
- Disability benefit €40,000
- Progression (increase in the sum insured in proportion to the degree of disability) 350%
- Rescue costs €3,000
- Plastic surgery as a result of an accident €3,000
- Daily hospital benefits for the au pair, starting on the 10th day of an inpatient treatment which is the result of an accident. The maximum duration of payment is 90 days. €10 per day
- Deportation costs insurance
- Noncontributory extended liability in case of an ordered deportation €4,000
- €44.00
€49.00 per month
For just €5 more per month, you get all the benefits of the Provisit Au-pair24 tariff M, plus:
- Liability insurance:
- Personal and professional liability insurance for au pairs €2,000,000
- Bodily injuries of the host family's children caused by the au pair €2,000,000
- Property damage to host family's immovable property (deductible €250)* €2,000,000
- Loss of private keys €500
- Accident insurance:
- Benefit in case of 100% accidental disability €200,000
- Progression (increase in the sum insured in proportion to the degree of disability) 500%
- Rescue costs €25,000
- Daily hospital benefits for the au pair, starting on the 10th day of an inpatient treatment which is the result of an accident. The maximum duration of payment is 90 days. €15 per day
- €49.00
€79.00 per month
You receive all the benefits of the Provisit Au-pair24 L tariff, plus:
- Health insurance:
- Preventive benefits under statutory programs €500**
- Health and child check-ups under statutory programs €500**
- Vaccinations and dental prophylaxis €500**
- €79.00
€11.00 per month
Tariff Z includes all benefits of the liability, accident, and deportation costs insurance covered by tariff XL. It does not include health insurance.
- €11.00
* during the entire insurance period
** The total benefit for all items marked with two asterisks is limited to €500 per insurance year.
You will find a full description of benefits and benefit exclusions in the Customer information download.
More information about Provisit Au-pair24
What to do in case of getting sick?
What do you have to do if you actually get sick as a guest from abroad during your stay in Germany? What do you do in the event of a medical emergency? And above all: What do you have to do so that the insurance company pays for the treatment? We answer these questions in our overview "Procedure in the event of illness".
Exclusion of benefits – the facts
- intentionally caused by the insured person;
- caused by the insured person as a result of an intentional criminal act or the intentional attempt of committing a criminal act.
- Pre-existing conditions or injuries where seeking medical treatment abroad was the sole purpose or one of the reasons for the trip.
- Treatments that were already scheduled or known to be necessary prior to the start of the trip.
- Treatments for conditions existing at the start of coverage, specifically tuberculosis, tumors, HIV/AIDS, and chronic kidney disease.
- Psychotherapy, psychoanalysis, and hypnosis.
- Dental restoration, extensive dental work, and treatment of pre-damaged or severely fractured teeth.
- Orthodontics.
- Medical aids and appliances (e.g., glasses, orthotics, bandages, trusses), except as specifically listed under benefits.
- Pregnancies existing at the start of coverage.
- Costs associated with the treatment of a newborn.
- Medical examinations required for obtaining a residence permit.
- Treatments for acne or hair loss, as well as procedures for the removal of moles or warts.
- Examinations and treatments for vision impairment, including vision tests/prescriptions.
- Expenses for artificial insemination or fertility treatments.
- Cosmetic treatments.
- Certificates and expert medical opinions.
- Treatment provided by host parents (only material costs/out-of-pocket expenses are reimbursable).
- Costs for duplicate treatments resulting from the same illness or condition.
- No coverage is provided for damages to borrowed, leased, or rented property.
- Damages to the host family's personal property (movable property) are excluded from coverage.
- Damages caused by the use of a motor vehicle are not insured. This exclusion applies to both bodily injury and property damage.
- Accidents resulting from intoxication or drug use.
- Excluded from accident coverage are illnesses and wear-and-tear conditions, such as back problems caused by prolonged sitting, strokes, or heart attacks.
You will find a full description of benefits and benefit exclusions in the Customer information (German).
Good to know!
When a host family takes in an au pair for the first time, there are many things that the host parents may not consider. This includes the question of which vaccinations the young guest from abroad has had—and which they haven't. This is not only important for the health of the au pair, but also for the health of the family members.
The XL tariff of our Provisit Au-pair24 is the only au pair insurance in Germany that covers vaccinations and preventive medical checkups to this extent. This is one of the reasons why Provisit Au-pair24 is so popular not only with experienced host parents, but also with au pair agencies.
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For au pairs from non-EU countries, a signed contract is mandatory in order to apply for a visa at the German embassy. For au pairs from EU countries, it is not mandatory, but strongly recommended. The contract sets out the rights and obligations of both the au pair and the host family in writing.
The au pair contract issued by the Federal Employment Agency is readily accepted by German embassies and immigration authorities for visa applications. The accompanying questionnaire for host families should also be submitted.
If a visa is not required, or if you would like a bilingual contract that is easier for the au pair to understand, the AuPairWorld form is a good alternative.
With Provisit Au-pair24, the au pair can visit a dentist of their choice at any time. What they need to bear in mind depends on the type of treatment. If the tooth is really painful, they will receive immediate emergency pain relief treatment. If it is not an emergency, in some cases the treatment must be agreed with us in advance by means of a treatment and cost plan.
This is what to do:
1. The au pair goes to a dental practice of their choice. We recommend dentists who are approved by all health insurance companies.
2. The au pair hands in the Medical Info Card at the dentist's office. The Medical Info Card tells the doctor what types of treatment are covered and allows them to send their bill directly to us. The Medical Info Card is provided with the insurance confirmation, or you can download it here. If the doctor does not wish to bill us directly, the bill must be paid and then submitted to us.
3. For some treatments, the doctor must draw up a treatment and cost plan, which must also be submitted to us before treatment begins.
Provisit Au-pair24 by DR-WALTER
At provisit.com, we offer short-term and long-term insurance for foreigners in Germany. With Provisit Au-pair24, au pairs are fully insured in their capacity as private individuals and within the scope of specific au pair activities.
We developed Provisit Au-pair24 specifically for German host families and their foreign guests. Who are we? The experts for international health insurance. For over 60 years, DR-WALTER has been insuring all types of travel. Our specialty is providing coverage for foreign visitors.
We have received the TÜV certificate “Certified Service Quality” every year since 2011, which is proof of our outstanding services. Over the years, more than 99% of our customers have given us top marks for our insurance policies and services.
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