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MAWISTA Science: the policy wording in full
Versicherungspaket der AWP P&C für Gastwissenschaftler, Doktoranden, Stipendiaten, Studierende und ihre Familien bis 55 Jahre mit Kranken-, Notruf- und Haftpflichtversicherung, weltweit außerhalb des Heimatlands, ohne Selbstbehalt, höchstens 60 Monate.
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Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for MAWISTA Science.
Eligible persons and stay
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Visitors, tourists and guests with or without a visa can be insured | not addressed | ||
| Language students and participants in preparatory courses can be insured | yes | „The insured person is the person named in the insurance policy as a language pupil …“ | VB AB 18 MSC § 1 Nr. 1, page 1 |
| University students and doctoral candidates can be insured | yes | „The insured person is the person named in the insurance policy as a language pupil …“ | VB AB 18 MSC § 1 Nr. 1, page 1 |
| Au pairs can be insured | not addressed | ||
| Employees, visiting researchers, interns and scholarship holders can be insured | yes | „The insured person is the person named in the insurance policy as a language pupil …“ | VB AB 18 MSC § 1 Nr. 1, page 1 |
| Accompanying family members (spouse, children) can be included | yes | „The insured person is the person named in the insurance policy as a language pupil …“ | VB AB 18 MSC § 1 Nr. 1, page 1 |
| Maximum entry age or age limit for cover | yes | „Persons up to the age of 55 at inception of insurance cover can be insured.“ | VB AB 18 MSC § 1 Nr. 2, page 2 |
| Maximum duration of the contract (days, months or years) | yes | „The insurance contract can be agreed for full months in each case and for a maximum …“ | VB AB 18 MSC § 4 Nr. 1, page 1 |
| Extension possible during the stay | yes | „can be extended for up to 60 months in total (taking into consideration any similar …“ | VB AB 18 MSC § 3 Nr. 3, page 4 |
| Purchase possible after entry (deadline from entry in the text) | not addressed | ||
| Host, host family or inviting person may be the policyholder | not addressed | ||
| No cover in the home country or the country of permanent residence | none | „In case the insured stay abroad is interrupted, insurance cover is also provided in …“ | VB AB 18 MSC § 2 Nr. 1, page 1 |
Territory and visa
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for medical treatment (per person and stay or year) | as stated in the policy schedule | „Outpatient treatment unrestricted“ | Tariff Table § 2 Nr. 1, page 6 |
| Meets the Schengen visa requirements (at least 30,000 euros, repatriation, all Schengen states) | not addressed | ||
| Accepted for a residence permit or national visa (adequate health cover) | not addressed | ||
| Scope expressly equivalent to statutory health insurance or the public health system | not addressed | ||
| Cover in all Schengen states or the EU | yes | „Insurance cover is valid for insured persons worldwide for their temporary stay abroad …“ | VB AB 18 MSC § 2 Nr. 1, page 1 |
| Cover on temporary trips to third countries (duration in the text) | yes | „Insurance cover is valid for insured persons worldwide for their temporary stay abroad …“ | VB AB 18 MSC § 2 Nr. 1, page 1 |
| Cover during visits to the home country (duration in the text) | yes | „In case the insured stay abroad is interrupted, insurance cover is also provided in …“ | VB AB 18 MSC § 2 Nr. 1, page 1 |
| Certificate for the embassy, consulate or immigration office | not addressed |
Treatment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Outpatient treatment by a doctor | yes | „Outpatient treatment by a physician;“ | VB K 18 MSC § 2 Nr. 1 a), page 1 |
| Inpatient hospital treatment | yes | „Inpatient treatment in hospital, including operations that cannot be postponed.“ | VB K 18 MSC § 2 Nr. 1 c), page 4 |
| Reimbursement limited to fee schedule rates or customary local costs | yes | „For fees and charges which exceed the extent considered generally customary and …“ | VB K 18 MSC § 4 Nr. 11, page 5 |
| Prescribed medicines and dressings | yes | „Medical treatment and medication prescribed by a physician for the insured person.“ | VB K 18 MSC § 2 Nr. 1 b), page 1 |
| Remedies (physiotherapy, massage) on prescription | yes | „Medically prescribed treatment (e.g. massages, fango or lymph drainage treatments) up …“ | VB K 18 MSC § 2 Nr. 1 h), page 1 |
| Medical aids (walking aids, glasses after an accident, wheelchair hire) | yes, up to EUR 250 | „Aids required as a result of an accident up to € 250 per insurance year.“ | VB K 18 MSC § 2 Nr. 1 g), page 1 |
| Pain relieving dental treatment and simple fillings | yes | „The costs are completely assumed up to € 500 per insurance year. For costs between € …“ | VB K 18 MSC § 2 Nr. 1 e), page 4 |
| Dentures (after an accident or after a waiting period), share and limit | no | „Orthodontic treatment, dental treatment other than pain-killing treatment, repairs to …“ | VB K 18 MSC § 4 Nr. 4, page 4 |
| Pregnancy treatment and childbirth | yes | „The medical care and treatment of pregnancies which occurred after the commencement of …“ | VB K 18 MSC § 2 Nr. 1 f), page 4 |
| Preventive check ups and antenatal care | no | „Prophylactic examinations and check-ups, check-ups of children and young people, dental …“ | VB K 18 MSC § 4 Nr. 13, page 5 |
| Psychotherapy and psychiatric treatment (outpatient or inpatient, number of sessions) | no | „Psychoanalytical and psychotherapeutic treatment and hypnosis.“ | VB K 18 MSC § 4 Nr. 10, page 1 |
| Direct billing with doctor or hospital (cost guarantee, insurance card) | yes, up to EUR 15,000 | „the insurer will give the insured person a declaration that it will meet the costs up …“ | VB N 18 MSC § 2 Nr. 2 c), page 5 |
| Free choice of doctors and hospitals (no network) | not addressed |
Transport and assistance
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Ambulance transport to the nearest hospital or doctor | yes | „Patient transportation deemed medically necessary for inpatient treatment at the …“ | VB K 18 MSC § 2 Nr. 1 d), page 4 |
| Repatriation to the home country (medically necessary or sensible) | yes | „The costs of the medically advisable and justifiable repatriation of the insured person …“ | VB K 18 MSC § 3 Nr. 1, page 4 |
| Repatriation of mortal remains or burial in the host country | yes, up to EUR 25,000 | „The actual costs of up to € 25,000 for the repatriation of the deceased insured person …“ | VB K 18 MSC § 3 Nr. 2, page 4 |
| Emergency assistance around the clock, multilingual | yes | „The insurer has entrusted the Assistance with the provision of services named below for …“ | VB N 18 MSC § 1 Nr. 2, page 5 |
Pre existing conditions and waiting periods
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of pre existing conditions and complaints known at the start | yes | „that the insured person knew were necessary prior to the stay in the agreed area of …“ | VB K 18 MSC § 4 Nr. 2, page 4 |
| Acute deterioration of a pre existing condition or life saving emergency treatment covered | not addressed | ||
| Exclusion of a pregnancy existing at the start of the contract | yes | „Treatment of pregnancies which occurred before the commencement of insurance“ | VB K 18 MSC § 4 Nr. 8, page 1 |
| Health questions or underwriting at application | not addressed | ||
| General waiting period (for example 31 days when purchased after entry) | not addressed | ||
| Waiting period for childbirth and pregnancy (for example eight months) | yes | „only if the pregnancy (conception) occurred after the commencement of insurance and …“ | VB K 18 MSC § 1 Nr. 2, page 4 |
| Waiting period for dentures or psychotherapy | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion: treatment as the reason for entry | yes | „Medical treatment and other measures ordered by a physician, where the purpose of the …“ | VB K 18 MSC § 4 Nr. 1, page 4 |
| Exclusion: treatment known or foreseeable at the start of cover | yes | „that the insured person knew were necessary prior to the stay in the agreed area of …“ | VB K 18 MSC § 4 Nr. 2, page 4 |
| Exclusion of mental illness, addiction and withdrawal treatment | yes | „Psychoanalytical and psychotherapeutic treatment and hypnosis.“ | VB K 18 MSC § 4 Nr. 10, page 1 |
| Exclusion under the influence of alcohol or drugs | yes | „Treatment of alcoholism, drug addiction and other addictions as well as the …“ | VB K 18 MSC § 4 Nr. 7, page 4 |
| Exclusion of dangerous sports, professional and competitive sport | not addressed | ||
| Exclusion of occupational accidents and diseases or of manual paid work | not addressed | ||
| Cover for pandemics and epidemics (including Covid 19) | not addressed | ||
| Exclusion of HIV, AIDS and sexually transmitted diseases | not addressed | ||
| Exclusion of intentionally caused illness and accidents, attempted suicide | yes | „Damage or losses intentionally caused by the insured person.“ | VB AB 18 MSC § 5 Nr. 3, page 4 |
Benefit rules and add ons
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim or year | none | „There is no deductible.“ | VB K 18 MSC § 6, page 5 |
| Co payment per consultation or service | not addressed | ||
| Annual or overall cap for individual benefit types | yes | „The costs are completely assumed up to € 500 per insurance year. For costs between € …“ | VB K 18 MSC § 2 Nr. 1 e), page 4 |
| Subsidiary to statutory health insurance or other contracts | yes | „Any duties to indemnify arising under other insurance contracts and other social …“ | VB AB 18 MSC § 8 Nr. 3, page 4 |
| Prior approval or notification required (hospital, psychotherapy, dentures, repatriation) | yes | „Contact the Assistance immediately in the event of inpatient treatment at a hospital …“ | VB K 18 MSC § 5 Nr. 1, page 5 |
| Deadline for submitting receipts | not addressed | ||
| Continued benefits beyond the end of the contract if unfit for transport or under treatment | yes | „for a duration of up to eight weeks after the agreed term of validity of the insurance …“ | VB K 18 MSC § 2 Nr. 2, page 4 |
| Liability insurance as an add on or in a package | yes, up to EUR 1 million | „Sums insured: € 1,000,000 per person in case of personal injury and damage to property …“ | Informationsblatt, page 1 |
| Accident insurance as an add on or in a package | no | „MAWISTA Science is a comprehensive Insurance and includes the following benefits …“ | Informationsblatt, page 1 |
| Deportation or return travel costs on expulsion (for hosts who signed a formal obligation) | not addressed |
Contract and premium
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Minimum term | yes | „The insurance contract can be agreed for full months in each case and for a maximum …“ | VB AB 18 MSC § 4 Nr. 1, page 1 |
| Cancellation daily or monthly, pro rata billing on early departure | yes | „The insured person can give notice of termination of the insurance contract daily to …“ | VB AB 18 MSC § 4 Nr. 2, page 4 |
| Premium refund if the visa is refused or the trip does not start | not addressed | ||
| Contract ends or may be cancelled when compulsory statutory cover begins | not addressed | ||
| Contract ends on final departure or loss of eligibility (end of studies, age limit) | yes | „ends at the agreed time, at the latest at the end of the insured stay in the agreed …“ | VB AB 18 MSC § 3 Nr. 2, page 1 |
| Premium changes with age bands or length of stay | yes | „41 to 55 years“ | Tariff Table Monthly Premiums, page 6 |
| Insurer may cancel after a claim or at expiry | not addressed |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- MAWISTA GmbH (Assekuradeur, Risikoträger am Text prüfen)
- Distribution
- not known
- Terms and conditions MAWISTA Science (englisch) Edition: 2018-1165 AVB 18 (VB AB 18 MSC, VB K 18 MSC) Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for MAWISTA Science and available as plain text.
Volltext MAWISTA Science Gäste-Krankenversicherung · As text (Markdown) MAWISTA Science Visitor health