Whether it is a semester abroad in Canada, an au pair year in France or a world trip with an open end: German statutory health insurance stops at the border or applies only in a limited way. Care Concept specialises in exactly this gap – with plans tailored to young travellers and long-term stays, at a fraction of the cost of comprehensive international cover.
One thing to understand: these plans cover acute illness and accidents. They are not a substitute for permanent comprehensive health insurance if you move your centre of life for good.
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The classic for studies, language courses, internships and doctoral research abroad. Check in parallel whether the university in your destination country requires its own mandatory insurance – this is common in the USA in particular and must be resolved before enrolment.
Tailored to au pair stays. In most destination countries, agencies and programmes require proof of health, liability and accident cover, so the combination is not optional but a prerequisite.
The flexible solutions for holidays, working holidays and long-term travel. Care Economy is the budget-conscious variant, Care Global the more comprehensive one. The difference lies mainly in the scope of benefits and reimbursement limits – not just the price.
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Travel and student plans cover acute cases. Treatment that was already known or planned before departure is typically excluded. If you take long-term medication or have a chronic condition, you need a different solution – talk to us before you book.
The USA and Canada are the most expensive case. A plan without adequate cover there is effectively worthless, because a single night in hospital can run into five figures.
Watch the wording: repatriation that is "medically sensible" is considerably better than "medically necessary". The difference decides whether you are flown home in an emergency or stay where you are.
Five years is the upper limit. If your stay becomes permanent, you need an open-ended solution in good time, such as APRIL My Health International, BDAE Expat Infinity or Foyer Global Health.
Departure coming up soon? Write to us on WhatsApp (+49 151 28937141) or via the contact form.
The plans cover short trips as well as multi-year stays of up to five years. If your stay abroad becomes permanent, you will need open-ended international health insurance as a follow-up solution.
Not automatically, but they can be added optionally. For au pairs this combination is even a programme requirement in many destination countries, and in daily life personal liability insurance is the single most important protection anyway.
That depends on the chosen plan and area of cover. The USA always has to be considered separately because of the cost level. In addition, many US universities require their own mandatory insurance that you must take out regardless of your German plan.
Generally not. These plans are designed for acute illness and accidents. Treatment that was already known, planned or foreseeable before departure is typically excluded.
Care Economy is the budget-conscious variant with a narrower benefit framework, Care Global the more comprehensive solution. What matters are the reimbursement limits and the rules on repatriation and emergency care – not the monthly premium alone.
Want to know which Care Concept plan fits your destination and length of stay? Book a free initial consultation or start the insurance check.
We advise students, au pairs and long-term travellers before departure. With Care Concept we show you where the low premium comes from – and which gaps you should know about.
Things often get tight shortly before departure. We answer via WhatsApp, video call or phone – often the same day.
You learn the exclusions, not just the price: pre-existing conditions, country limits, repatriation and the end of the term.
A semester abroad, an au pair year and a world trip are three different risk profiles – and three different plans.
If the semester turns into staying, we organise the open-ended follow-up solution in good time.
