During your studies in Germany, this product covers medically necessary treatments in cases of illness and accidents.
The plan complies with the German Insurance Contract Act (VVG). The risk carrier and claim management are both based in Germany.
A 24/7 assistance service and repatriation are included. Third-party liability and accidental death coverage are only available with the COMFORT plan.
Foreign students studying in Germany
Foreign trainees and interns residing in Germany
Foreign PhD's, postdocs, and researchers in Germany
The minimum age of entry is 18 years of age and the maximum age of entry is 45 years old.
Apply online and get your insurance policy instantly in your MySwisscare account
You can change your address by logging into your customer account or using the MySwisscare app on iOS or Android.
The insurance deductible is a fixed sum that is at the expense of the insured in the case of a claim covered by the chosen insurance policy. The general insurance conditions define the amount and the scope of application. The deductible can be calculated per contractual year, per calendar year, for a specific duration, for a specific treatment or for a specific insurance cover.
The insurance deductible is also stated on the insurance policy.
Not all insurance products are submitted to a deductible.
Important
Please note that coverage is only provided for the benefits stated in the General Insurance Conditions. At times exclusions are also applicable and they vary depending on the insurance product. It is recommendable to verify the coverage of the chosen product in advance.
In the case of outpatient treatment (no overnight stay at a medical facility), the insured always has to pay for the medical treatments (doctor’s, pharmacy, specialists, hospital outpatient treatments) in advance.
To ensure you are refunded quickly, it is recommendable to follow the claim procedure via your customer account or by using the MySwissare iOS or Android App.
Log into your MySwisscare Account
Select the concerned insurance policy and complete the online fields
Take a picture and/or upload the pdf or jpg file of your detailed invoice
Take a picture and/or upload the proof of payment (bank receipt or cash payment receipt from the pharmacy, doctor, specialist, hospital...)
Short statement concerning the medical issue and the administered treatment
Send / Submit
How long does it take for a refund to be made?
Once the concerned claim service has received all required documentation the insurer will initiate the refund procedure. In most instances, a refund is effected within 30 days of submission of the complete documentation. During peak seasons (for example December) it is possible that a refund will take longer. If within 45 days you have not been refunded by the insurer, we recommend that you contact them directly via email or our contact form.
Instantly if you pay by credit card
If you pay your insurance by credit card, you can download your insurance policy immediately.
Payment by bank transfer: it may take up to two weeks
Payments coming from the EU/EEA or Switzerland usually only take around 2-3 bank office days until we receive them, and then shortly after it is credited to our account the payment will be visible in your personal MySwisscare Account. You will receive an email confirming reception.
Payments made from outside of the EU/EEA or Switzerland can take up to two weeks until they are credited to our account. As soon as we have received them, you will receive an email confirming reception.
You can pay by credit card at any time to receive your insurance policy instantly.
Just log into your MySwisscare account and under the tab "finance" you can choose to pay your insurance premium by credit card. After a few seconds, you will be able to download your insurance policy.
If you are in need of medical treatment, it is important the treatment is undertaken by a doctor whose certification is officially recognized in the country you receive your treatment. Depending on the insurance coverage you have chosen, certain exclusions may be applicable. We recommend that the General Insurance Conditions (GIC’s) are consulted and if it is not clear, to ask questions concerning reimbursement and claims directly to the concerned claim service. Outpatient treatments (meaning you don’t have an overnight stay in a medical facility) generally have to be paid in advance, then you can proceed to submit your claim to the claim service via email, or via your customer account or the iOS / Android app.
In the case of hospital admission for inpatient treatment (meaning an overnight stay), you can present your digital insurance card saved on your MySwisscare account or on the iOS or Android app. If the inpatient facility requires further information, you can simply click or tap share - and then enter the email address given by the hospital. They will then receive the complete insurance policy with all the details. Most of the time, inpatient treatments will be billed directly to the concerned insurer, however, they may request a security deposit.
Dentists are usually not covered unless there is an accident. Should a plan provide coverage for dental treatments this will be stated in the General Insurance Conditions (GIC’s) and the benefits list.
In the case of ISIDE only pain relieving dental treatment and the repair of already existing dentures and dental prosthetics are covered up to the limitations defined in the General Insurance Conditions (GIC’s) and the Benefits list.
After the cooling-off period, you can cancel the insurance contract under the following circumstances:
