Do you want to have detailed information before purchasing our PROVISIT insurance policy? In this section, we collected a number of frequently asked questions about the extent of the insurance cover provided by PROVISIT. If you have any other questions, feel free to contact us.
Here you will find general questions about PROVISIT.
Visitors with a foreign citizenship or a permanent residence abroad and a maximum age of 69 years who temporarily stay in Germany, another EU country or in Liechtenstein, Norway, Switzerland, Iceland, Andorra, Monaco, San Marino or Vatikan City can be insured through PROVISIT for a maximum duration of 2 years.
Maximum insurance periods are:
Accompanying family members can be insured as well if they are not more than 69 years old. You just need to conclude an insurance policy for each family member separately within one month after arrival.
Children and youths can be insured with PROVISIT as well. However, for children under the age of 6 insurance can only be effected if the accompanying legal guardian is also insured under the PROVISIT tariff.
If you do not know your exact date of arrival, yet, you can purchase the insurance by entering an expected date of entry. In this case, you will receive an insurance certificate with the expected date of arrival.
Please inform us about your exact date of arrival as soon as you know it. You will then receive all documents. Before the expected date of arrival, an email is sufficient. If you inform us after the expected date of arrival, please send us some proof of arrival (e.g. a copy of your passport or a plane ticket).
The minimum insurance period is 1 month. Should you return early from your stay abroad, please inform us. 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 pay for the actual period of insurance. No service fee will be charged for this reimbursement.
Here are some frequently asked questions regarding the application.
You can purchase PROVISIT directly online. You only need to do two things: fill in the application form (all fields marked with * are required) and check whether all entered information is correct. Then simply confirm your application - that’s it!
PROVISIT offers a special plus: The insurance combination can be concluded up to 12 months after the entry. Due to these conditions, PROVISIT can be concluded in the following cases:
There are no waiting periods if you purchase the insurance policy within one month after entering Germany. In case of a later purchase, the waiting period for the health insurance policy is one month. The waiting period can be waived if the insurance policy immediately follows a previous insurance. In this case, please hand in a copy of such previous insurance together with your application. The waiting period does not apply in case of an accident or medical help aiming to prevent acute danger to the insured person’s life.
Following your application, you will immediately receive an email with your insurance certificate for your records and for submission to public authorities, along with customer information and the "Ärzte-Info-Ticket" (medical info card).
Following your application, you will immediately receive an email with your insurance certificate as well as the customer information and the "Ärzte-Info-Ticket" (medical info card). If you did not receive an email, please check the mentioned email address and take a look in the SPAM folder.
When you purchase your policy online, all information is sent through a secure connection. We use your data only for fulfillment of the insurance contract. For more information, please go to our section on data protection.
Here are some of the most frequently asked questions about existing contracts.
Changes can be made within 3 months of the original contract start date. An e-mail is sufficient before the intended date of entry. If you inform us about the change after the originally planned date of entry, we need proof of entry (copy of passport or air/rail ticket).
In case of an extension of your program abroad, you can apply for an extension prior to the end of the existing insurance policy.
Phone: +49 (0) 2247 9194 -981
Mon-Fri: 8 am to 6 pm
You can also send us a letter, fax or an email.
If the insurer accepts your request for extension, insurance cover only applies for insured events that occurred after you applied for extension. In case of an extension, the insurer is not liable to pay for pre-existing and known conditions such as illnesses, ailments or existing pregnancies and their results.
After expiry of the period applied for, insurance coverage will end automatically.
Should you return early from your stay abroad, please inform us. 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 pay for the actual period of insurance. No service fee will be charged for this reimbursement. Please note that there is a minimum insurance period of 1 month.
Please send us some proof of reentry which confirms your premature return (e.g. flight ticket).
The insurance coverage applies to all EU countries as well as to Liechtenstein, Switzerland, Norway, Iceland, Andorra, Monaco, San Marino and Vatikan City.
Insurance coverage also includes worldwide trips and stays abroad, including your home country, up to a maximum duration of 6 weeks. In case of a stay of more than 6 weeks, insurance covers only the first 6 weeks. Flight tickets, railway tickets or stamps in the passport can be used to verify the duration of the holiday.
You can access our online service 24/7. You can use our online forms, for example, to apply for an extension of insurance cover, to change the date of arrival, to change your bank and address data or to terminate the insurance prematurely.
Here are some of the most frequently asked questions regarding payment.
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, JCB, 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.
If you pay by credit card, we use the 3-D Secure procedure. It provides additional security for your credit card transactions and reduces the risk of fraud due to card misuse.
You first enter your credit card number. A connection will then be established with the card issuer so that you can confirm your identity, for example by entering a code. If the authentication was successful, the credit card payment is executed. The 3-D Secure procedure should not be confused with your credit card's check number (CVC).
In order to use the 3-D Secure procedure, you must register with your bank/credit company, which usually takes a few days.
Please avoid any chargebacks. Every chargeback causes an enormous administrative amount along with bank charges. For any unpaid direct debit, we will have to charge the resulting fees imposed on us if you are the one responsible for the unpaid direct debit (for example as a result of revocation, incorrect information or insufficient account balance).
We will refund any overpaid premiums immediately in full without charging a service fee. Should you return early from your stay abroad, please inform us. A phone call or an email is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad.
Here you will find questions and answers regarding claims.
As foreign guest you are covered by private international health insurance. Such health insurance covers only acute medical treatment of newly occurred illnesses.
If it is not an emergency, please consider the following recommendations:
For further information, go to: What to do in the event of illness?
If you submit your "Ärzte-Info-Ticket" (medical info card) to the physician or to the hospital prior to the treatment, we can settle the bill directly with the doctor or hospital. If your doctor does not want to settle the bill directly with DR-WALTER, you will receive an invoice after the treatment. For details, go to: How are your invoices refunded?
Please send your original receipts and your fully completed claim form to DR-WALTER GmbH by mail and name the account you want the reimbursement transferred to. We are not allowed to accept copies sent by fax or email.
We need about 2 weeks to process your request. You will be notified in writing when your request has been fully processed.
Any medication needs to be medically necessary or prescribed by a doctor. You will receive your medication by taking the prescription to a pharmacy. The original prescription can then be submitted to us for a refund of the costs. The policy does not cover medication that can be bought at a pharmacy for free and without a doctor’s prescription. Please note that we can only process a prescription after receiving the related (doctor’s) invoice along with the diagnosis.
During the admission, please present the Ärzte-Info-Ticket (medical info card), which you received with your insurance certificate.
Hospitals usually contact us after the admission and the billing will be settled
directly with the hospital.
The policy covers emergency treatment and urgent operations within compulsory health insurance without optional services. If such inpatient treatment is not an emergency treatment, we recommend arranging the details of the planned therapy beforehand with our claims department. This way, we can help you to minimize any financial risk.
Please inform your dentist about the details of your insurance coverage by providing him with our Ärzte-Info-Ticket (medical info card) prior to the treatment. In case of toothache, you usually receive immediate dental treatment. Such treatment aims to reduce pain and to treat the respective tooth. As with any other travel health insurance, the policy covers simple fillings (emergency dental treatment) for the relief of new and acute pain. For details, go to: What to do in the event of toothache?
Phone: +49 (0) 2247 9194 -981
Mon-Fri: 8 am to 6 pm