什么是德国国际学生健康保险？
在德国学习期间，德国国际学生健康保险涵盖您在疾病或意外情况下的医疗必要治疗费用。
德国国际学生健康保险遵守德国保险合同法（VVG）的规定。风险承运公司和理赔管理公司均设在德国本地。
保险也提供24/7援助和遣返回国服务。第三方责任险和意外死亡险只适用于 COMFORT 计划。
在德国学习期间，德国国际学生健康保险涵盖您在疾病或意外情况下的医疗必要治疗费用。
德国国际学生健康保险遵守德国保险合同法（VVG）的规定。风险承运公司和理赔管理公司均设在德国本地。
保险也提供24/7援助和遣返回国服务。第三方责任险和意外死亡险只适用于 COMFORT 计划。
最低申请年龄为18岁，最高申请年龄为45岁。
网上申请，购买后即可在您的 MySwisscare 账户中获取保险单
您可以登录您的网上账户，或使用 iOS 或 Android 上的MySwisscare应用程序来跟更改您的地址。
保险自付额是指，被保险的医疗费用中由被保险人自己支付的部分。一般保险条款中会规定自付额度和适用范围。自付额可以按照合同年度，按照日历年，按照特定时间段，按照特定的医学治疗或按照特定的保险范围来计算。
保险自付额一般也会在保险单上标明。
并非所有的保险产品都有自付额。
重要提示
请注意：保险公司只会对一般保险条款内规定的内容提供保障。责任免除条款也会使用。每一款保险产品的责任免除条款不同。我们建议您仔细核实所选保险产品的保障范围。
对于门诊治疗（无需在医疗机构过夜），被保险人需要预先支付医疗费用（医生，药房，专家，医院门诊治疗）。
为了确保您能尽快得到赔付，我们建议您通过网上账户或登录MySwisscare (iOS 或Android) 手机应用程序开始理赔程序：
理赔程序需要多长时间？
收到所需的理赔文件后，理赔团队会开始受理审核程序。通常您会在提交完整文件后的30工作日之内货收到回复和赔款。在旺季(例如十二月)理赔程序可能需要更长时间。如果在45个工作日内您仍然没有收到赔款，我们建议您通过电子邮件或 Swisscare 联系表格直接与理赔团队取得联系。
信用卡支付保险单即时送达
如果您选择使用信用卡支付保险金，您可以即时下载您的保险单。
银行转账最长需要2周
欧盟/欧洲经济区或瑞士银行账户银行转帐。最多需要 2 到 3 个工作日，我们就会收到您的转账。您可以 mySwisscare 账户内查询更新状态。我们收到付款后，您会自动收到一封电子邮件通知，来下载您的保险单。
欧盟/欧洲经济区或瑞士以外的地区进行银行转帐。这类付款最多可能需要 2 周。如果收到您的保险费，我们会及时更新您的 mySwisscare 账户上的信息，您也会自动收到一封电子邮件通知，来下载您的保险单。
您可以随时使用信用卡付款并即时收到您的保险单
只需要登录您的 mySwisscare 账户，就可以在财务信息下选择使用信用卡支付保险费。只需填写付款信息，几秒钟后，您就可以立即下载保险单。
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 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 enter the email address given by the hospital. They will then receive the complete insurance certificate 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.
Only Pain-killing dental treatment and Repair of existing dentures and dental prostheses are covered up to the limits shown in the General Insurance Conditions and Table of Benefits.
After the cooling-off period, you can cancel the insurance contract under the following circumstances:
The insurance will be terminated naturally when it reaches the end date of the cover. The maximum insurance can be obtained for a maximum term of 60 months only.
If you are not living in Germany for study purposes with a valid resident permit, you are no longer eligible for the International Student Insurance Germany. The insurance policy must be cancelled. You must inform us of such changes as soon as possible to cancel your insurance. Certain documentation regarding your status change might be requested for the cancellation request.
If you are leaving Germany permanently, meaning that you will deregister in Germany as a resident and return back your resident permit, you cannot be insured under the current International Student Insurance Germany anymore. To cancel your insurance, please kindly send us a copy of the attestation of departure issued by the city hall. The insurance will be cancelled according to the attestation of departure.
