provisit science
Private health insurance for visiting scientists in Germany

There is no protection in the Provisit Science health insurance...
a) for such diseases including their consequences as well as for consequences of accidents and for deaths caused by war events;
In the case of war events, there is no obligation to pay benefits only for such illnesses and their consequences as well as for consequences of accidents and for deaths caused by active participation in war events.
Terrorist attacks and their consequences do not count as war events.
Benefits will be paid for military service injuries occurring after the commencement of insurance, subject to paragraph 3.
b) for illnesses and accidents caused by intent, including their consequences;
c) for treatment by physicians, midwives or maternity nurses as well as licensed psychotherapists working in their own practice and entered in the medical register and in hospitals whose invoices the insurer has excluded from reimbursement for good cause if the insured event occurs after the policyholder has been notified of the exclusion of benefits. If an insured event is pending at the time of notification, there is no obligation to pay benefits for expenses incurred after three months have elapsed since notification;
d) for spa and sanatorium treatment as well as for rehabilitation measures of the statutory rehabilitation institutions;
e) for treatment by spouses, civil partners pursuant to Section 1 of the Civil Partnership Act (see Appendix), parents or children. Proven material costs will be reimbursed in accordance with the tariff;
f) for accommodation due to need of care or custody;
g) for additional costs of medical treatment abroad, if the insured person has traveled abroad for the purpose of medical treatment. In this context, additional costs are deemed to be the cost portions of the treatment abroad that exceed the benefits agreed in the tariff for adequate treatment in Germany. In any case, no more than the actual reimbursable expenses incurred will be reimbursed.

This restriction does not apply
- to childbirth if one parent is a national of the country of residence. It is a condition that the policyholder provides proof of citizenship,
- in the case of medically necessary treatment abroad which would not have been possible or only partially possible in Germany,
- if, in the context of an accident, i.e. a treatment that cannot be planned, a foreign hospital is the nearest suitable place of treatment.

For detailed information please read the customer information.

If a medical treatment or other measure for which benefits have been agreed exceeds what is medically necessary, the insurer may reduce its benefits to a reasonable amount. If the expenses for the curative treatment or other services are conspicuously disproportionate to the services provided, the insurer is not obliged to provide benefits in this respect.

If there is also an entitlement to benefits from the statutory accident insurance or the statutory pension insurance, to a statutory medical care or accident care, the insurer is only obliged to pay for the expenses which remain necessary despite the statutory benefits.

If the insured person has a claim against more than one party liable for reimbursement due to the same insured event, the total reimbursement may not exceed the total expenses.
 

For detailed information please read the customer information.