provisit educare24
Travel health insurance for foreign language students, interns and adult education students
- Conclusion of insurance regardless of student status
- Can be concluded without a German bank account
- Immediate confirmation directly after conclusion of contract
- Payment also possible after entry
Who is Provisit Educare24 for?
- Foreign language students
- Applicants for study
- Non-enrolled students
- Exchange program participants
- Interns
- Adult education students
- Pupils
- Jobseeker with opportunity card
Are you planning to learn German at a Studienkolleg (preparatory course), do an internship, attend a summer university, take study preparation classes or a language course in Germany? Then Provisit Educare24 is the right health insurance for you.
During the time before your professional studies in Germany, you are not considered a student but a language student and are usually not fully enrolled. Therefore, you cannot be insured with a provider of compulsory health insurance and need a private health insurance policy such as Provisit Educare24. The flexible comprehensive coverage for foreign language students, applicants for study, interns, adult education students and pupils.
The insurance policy can be obtained quickly and easily online before and during the stay in Germany.
Provisit Educare24 at a glance
Did your address change? Need to report a claim or cancel your contract? Go here:
Provisit Educare24 premiums and benefits
From €34.50 per month
- Health insurance
- Outpatient medical treatment
- Inpatient medical treatment including operations
- Provision with medicine, dressing material and medical appliances
- Provision with remedies such as physiotherapy and physical therapy (during the entire insurance period) up to €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
- 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
- Health insurance without deductible
- Free service number 0800 678 2222
- Direct billings with physicians and hospitals
- Treatment of mental illness (also inpatient), except for psychoanalysis and psychotherapy
- Dental treatment for pain relief up to €500 *
- Maximum rate of the German fee schedule GOÄ: 2.3
- Maximum rate of the German fee schedule GOZ: 2.3
- * during the entire insurance period
- For people up to 39 years
- 1. until 18. month €34.50
- 19. until 48. month €52.50
- For people up to 69 years
- 1. until 18. month €58.50
- 19. until 48. month €112.50
From €39.00 per month
For only 4 € per month more you get all the benefits of Provisit Educare24 S health insurance plus:
- Personal liability insurance
- Bodily injuries and property damage: €1,000,000
- Damage to the immovable property of a host family (deductible: €250). (Damage to the movable property of the host family is not covered.): €1,000,000
- Damage to rented property: €100,000
- Accident insurance
- Accidental death benefit: €5,000
- Benefit in case of 100% accidental disability: €105,000
- Disability benefit: €30,000
- 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
- Deportation costs insurance
- Noncontributory extended liability in case of an ordered deportation: 4,000 €
- For people up to 39 years
- 1. until 18. month €39.00
- 19. until 48. month €57.00
- For people up to 69 years
- 1. until 18. month €63.00
- 19. until 48. month €117.00
From €43.50 per month
For only 4 € more you get all the benefits of Provisit Educare24 M insurance and additionally:
- Dental treatment for pain relief
- Repair of existing dentures: up to €200*
- Simple dentures due to an accident: up to €2,000*
- * during the entire insurance period
- For people up to 39 years
- 1. until 18. month €43.50
- 19. until 48. month €61.50
- For people up to 69 years
- 1. until 18. month €70.50
- 19. until 48. month €121.50
From €63.00 per month
You receive all the benefits of Provisit Educare24 L insurance and additionally benefit from:
- Preventive measures within the framework of statutory programs**
- Health check-ups and pediatric examinations within the framework of statutory programs**
- Protective vaccination and dental prophylaxis**
- ** The overall benefits for all entries marked with two asterisks are limited to €500 per insurance year.
- For people up to 39 years
- 1. until 18. month €63.00
- 19. until 48. month €90.00
- For people up to 69 years
- 1. until 18. month €87.00
- 19. until 48. month €132.00
More information about Provisit Educare24
You will find a full description of benefits and benefit exclusions in the Customer information download.
Provisit Educare24 - private health insurance for education-related stays in Germany
Foreign visitors from so-called "third countries" (essentially countries outside Europe) generally require a visa to enter Germany. A prerequisite for obtaining a visa is proof of valid international health insurance in Germany.
However, the authorities do not accept just any foreign health insurance. The insurance must meet certain conditions. It must be valid during the entire stay, it must be valid throughout Europe and it must have a minimum cover of 30,000 euros. Does Provisit Educare24 meet these conditions?
1. Period of validity: The foreign guest can book Provisit Educare24 for up to 48 months. These four years are usually more than enough to attend a language school, find a place at university or do an internship in Germany.
2. Area of validity: With Provisit Educare24 you are insured throughout the EU, as well as Iceland, Liechtenstein, Norway, Switzerland, Andorra, Monaco, San Marino and Vatican City. There is also worldwide insurance cover for a verifiable maximum stay of six weeks.
3. Minimum cover: The visa authorities require health insurance with cover of at least 30,000 euros to ensure that the foreign guest and their host are financially protected. Provisit Educare24's cover is not limited to 30,000 euros, but is unlimited.
In short: Provisit Educare24 not only meets all the requirements of the authorities, but exceeds them in every respect. That's why we guarantee: Provisit Educare24 will be recognized when you apply for a visa. If, contrary to expectations, this is not the case, or if you are refused a visa for other reasons, you will of course receive a full refund.
Provisit Educare24 is ideal for stays in Germany where an educational purpose is in the foreground or related to a planned course of study, but without the actual course of study having officially begun.
These educational purposes can be a student exchange or another exchange program, or an internship in Germany. Many foreign students arrive before the official start of their studies in order to take part in a preparatory or language course, or to look for a place to study in Germany. That's the kind of stays we made Provisit Educare24 for.
The German Social Security System divides people into groups. These include, amongst others, employees, the self-employed, trainees, pensioners, the unemployed - and students. There are different health insurance regulations for each of these groups.
For every student, including those who come from a third country that requires a visa, the following applies: they need "comprehensive health insurance" because they have student status. You only have student status if you are officially enrolled as a student at a German university and have started the first semester of your degree course.
Most universities in Germany require comprehensive health insurance for enrollment. International health insurance such as Provisit Educare24 is usually not sufficient.
As soon as you have student status, you can join a statutory health insurance scheme, which is a form of comprehensive health insurance. Another form is private comprehensive health insurance.
It all sounds a bit complicated, right? That's why we at DR-WALTER have developed an ideal solution: DR-WALTER TK. This is an insurance combination of private international health insurance and statutory health insurance. With DR-WALTER TK, you are optimally insured at every stage of your stay in Germany.
Yes, foreign guests have the option of taking out Provisit Educare24 up to one month after the day they enter Germany. So you don't have to, but you can of course also book Provisit Educare24 before you arrive in Germany.
No. We do ask for the start date of your educational measure during the online conclusion of Provisit Educare24, but only for technical reasons. You do not have to submit any documents or evidence from the educational institution to us in order to complete Provisit Educare24.
You can decide for yourself. We offer Provisit Educare24 in four versions: S, M, L and XL. With variant S, you get health insurance, while the other variants also include liability insurance, accident insurance and deportation costs insurance. The M, L and XL variants differ in the scope of benefits. You can find the details in the benefits table above.
The opportunity card ("Chancenkarte") is a residence permit for non-EU citizens who want to look for a job in Germany. The opportunity card allows you to stay in Germany for one year. The period can be extended to up to three years under certain circumstances.
As with most visas, a health insurance policy that is valid in Germany and throughout the Schengen area is required when applying for an opportunity card. In addition, the health insurance must cover the entire expected period of the opportunity card, have cover of at least 30,000 euros and its scope of benefits must correspond to that of statutory health insurance.
With Provisit Educare24, you can insure yourself for up to four years. That's more than enough, even if your opportunity card is extended to three years. Of course, Provisit Educare24 is valid in Germany and the entire Schengen area. Provisit Educare24 even covers worldwide travel, including home leave, as long as it can be proven that these trips do not last longer than six weeks.
Even the minimum sum insured required by the authorities is no problem: with Provisit Educare24, the sum insured is unlimited. The scope of benefits provided by Provisit Educare24 is equivalent to statutory health insurance.
However, Provisit Educare24 offers more than just health insurance. It can be optionally extended to include three types of insurance that are particularly important for guests from abroad:
- Personal liability insurance
- Accident insurance
- Deportation costs insurance
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.
- Any pre-existing illnesses, diseases, disorders and their consequences that the insured person already had and suffered from at the beginning of insurance coverage. Furthermore, any consequences of such illnesses, diseases, disorders and of accidents, that were treated during the last six months prior to the beginning of insurance coverage.
- Psychoanalysis, psychotherapy and hypnosis.
- Dental treatment that goes beyond treatment for pain relief as well as prophylactic dental treatment including plaque removal. (for exceptions see General Insurance Conditions (German))
- Dentures including dental crowns, inlays and onlays (for exceptions see General Insurance Conditions (German))
- Orthodontics.
- Medical appliances such as glasses, shoe lifts, bandages, trusses, etc. (for exceptions see General Insurance Conditions (German))
- Pregnancies that were conceived prior to the beginning of insurance coverage.
- Preventive medical examinations and check-ups (for exceptions see General Insurance Conditions (German))
- Examinations carried out in order to obtain a residence permit.
- Treatment in case of acne and hair loss as well as measures for the removal of birthmarks and warts.
- Treatment of the eyes carried out due to ametropia, including visual acuity determination.
- Treatment in case of sterility/infertility (in vitro fertilization).
- Plastic surgery.
- Certificates and expert opinions.
- Medical treatment by the host family. Material costs will be reimbursed.
- Medical costs if an illness is treated twice.
You will find the detailed benefits and exclusion of benefits in the General Insurance Conditions (German).
- Damage caused by the use of a motor vehicle is not insured. This includes both personal injury and damage to property.
- Damages caused by the exchange, transmission or provision of electronic data.
You will find the detailed benefits and exclusion of benefits in the General Insurance Conditions (German).
- accidents caused directly or indirectly by nuclear power;
- accidents as a result of mental illness or cognitive disorders;
- accidents caused directly or indirectly by foreseeable acts of war.
You will find the detailed benefits and exclusion of benefits in the General Insurance Conditions (German).
What to do in case of an insured event?
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 a claim".
Health insurance for foreign interns, student applicants and language students
Many guests from abroad come to Germany to do an internship. However, there are different types of internships. Here is an overview of what kind of internship Provisit Educare24 is suitable for.
Some foreign guests come from a country within Europe and usually have health insurance that is valid in Germany and Europe. Other visitors come from a third country (non-European country) and either have no health insurance or no health insurance valid in Germany.
The latter require a visa for their stay in Germany. A prerequisite for the visa is proof of health insurance valid in Europe. If you belong to this group of visitors to Germany, Provisit Educare24 is ideal for your internship.
What do we recommend for the internship of guests from Europe?
It is not compulsory for interns from European countries to take out private health insurance such as Provisit Educare24 because these guests do not need a visa for their internship. However, we also recommend that these interns take out Provisit Educare24 in addition to their existing health insurance. Why?
Citizens of EU member states are generally members of a public health insurance scheme, comparable to the statutory health insurance funds in Germany. The mission of public health insurance funds in Europe is to provide citizens with adequate health protection and healthcare - where they live, namely in their home country.
This is the reason why public health insurance companies do not pay for everything the insured person might need abroad - they usually only pay what they would pay for treatments and measures in their home country. If the foreign guest needs treatment during their internship that is more expensive in Germany than in their home country, their public health insurance will only pay the country's standard rate. The intern would have to pay the rest themselves.
Biggest risk: medical return transport
The biggest cost risk, however, is the medically accompanied return transport to the home country. If our intern becomes so ill that they have to be transported back home (most common reasons: traffic or sports accident), their public health insurance will not usually pay for this. We are talking about several thousand euros and more - sums that usually far exceed the financial means of an intern.
The public health insurance companies themselves recommend taking out additional international health insurance so that you are protected against such cost risks. As Provisit Educare24 not only includes health insurance, but also optional personal liability insurance and accident insurance, the intern is also covered against accidental damage to third-party property or the consequences of a traffic accident.
Before you start your internship in Germany, you should always find out about your health insurance from the organization providing your internship. If it turns out that you do not have sufficient health cover for your internship in Germany, take out Provisit Educare24.
The German social security system is not so easy to understand, especially for guests from outside Europe. To understand when you need which type of health insurance, you should know the following: All people who stay in Germany for a longer period of time are assigned to certain groups by the social security system; they are given a "status".
This includes every citizen as well as every foreign student applicant. Someone who works in a company gets the employee status, the freelancer gets the self-employed status and students of course get the "student status".
Applicants from abroad do not have student status. You only have this status from the first day of the first semester if you are enrolled at a university. Enrolled students can join a German statutory health insurance - student applicants cannot because they do not have student status.
So if you want to travel to Germany to look for a place to study here, take out private international health insurance. Provisit Educare24 is ideal for this. As soon as your studies begin, you have student status and can join a statutory health insurance fund.
Many German universities offer various courses to prepare students for their studies. These include language courses as well as courses to prepare for the respective degree course. There are also preparatory college courses where guests from abroad can gain admission to study in Germany.
These types of preparatory courses often take place on university premises. This can give course participants the impression that they are already students because they feel like students. In addition, the English word "student" does not only mean "Student" in German, but also "pupil" or "learner". So the foreign guest sees himself as a "language student" - and not as a "Sprachschüler" ("language learner"), which he actually is.
For this reason, there is often confusion among guests from abroad: I am a "language student", so I am a student, so I need student health insurance. This seems to be a logical consideration, but it is wrong. As long as the first semester of your official studies hasn't started, you do not have "student status".
What does this have to do with health insurance? In Germany, students can join the statutory health insurance scheme, both German students and foreign students. However, if your studies have not yet officially begun, this is not possible, because you do not have student status. What you need is private international health insurance. This is precisely why we developed Provisit Educare24. With Provisit Educare24, you are optimally insured as a language student or college participant in Germany. As soon as your studies officially begin, you can easily switch to statutory health insurance.
Provisit Educare24 by DR-WALTER
At provisit.com, we offer short and long-term insurance policies for visiting foreign nationals in Germany. Provisit Educare24 is the recognized international health insurance for educational travelers in Germany. Over 100,000 satisfied customers have already purchased a Provisit Educare24 policy.
We have developed Provisit Educare24 especially for your stay for further education in Germany. 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. Over the years, more than 99% of our customers have given us top marks for our insurance policies and our service.
Customer reviews
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