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MAWISTA Visum Comfort: the policy wording in full
Reiseversicherungspaket der AWP P&C für Besucher in Deutschland, der Schweiz und den Schengen-Staaten mit Reisekranken-, Rücktransport-, Assistance- und Reisehaftpflichtversicherung, höchstens 183 Tage im Jahr, Abschluss bis einen Monat nach Einreise.
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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 Visum Comfort.
Eligible persons and stay
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Visitors, tourists and guests with or without a visa can be insured | yes | „Insurance cover applies to the respectively insured temporary travel in Germany …“ | AVB AB 17 MV § 2, page 4 |
| Language students and participants in preparatory courses can be insured | not addressed | ||
| University students and doctoral candidates can be insured | not addressed | ||
| Au pairs can be insured | not addressed | ||
| Employees, visiting researchers, interns and scholarship holders can be insured | not addressed | ||
| Accompanying family members (spouse, children) can be included | not addressed | ||
| Maximum entry age or age limit for cover | yes | „For persons from 65 up to 80 years of age:“ | Informationsblatt, page 1 |
| Maximum duration of the contract (days, months or years) | yes | „Insurance cover is valid for the agreed term. The maximum per year for a term of …“ | AVB AB 17 MV § 4 Nr. 2, page 4 |
| Extension possible during the stay | not addressed | ||
| Purchase possible after entry (deadline from entry in the text) | yes | „Insurance cover shall be provided insofar as the insurance policy is purchased within …“ | AVB AB 17 MV § 4 Nr. 1, page 1 |
| Host, host family or inviting person may be the policyholder | not addressed | ||
| No cover in the home country or the country of permanent residence | yes | „No insurance cover is provided in those countries, in which the insured person …“ | AVB AB 17 MV § 2, 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 | ||
| 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 | „Germany, Switzerland and Schengen states; no insurance cover is provided in those …“ | Informationsblatt, page 1 |
| Cover on temporary trips to third countries (duration in the text) | not addressed | ||
| Cover during visits to the home country (duration in the text) | no | „No insurance cover is provided in those countries, in which the insured person …“ | AVB AB 17 MV § 2, 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.“ | AVB RK 17 MV § 2 Nr. 1 a), page 1 |
| Inpatient hospital treatment | yes | „Inpatient treatment in hospital, including operations that cannot be postponed.“ | AVB RK 17 MV § 2 Nr. 1 c), page 4 |
| Reimbursement limited to fee schedule rates or customary local costs | yes | „In Germany, medical and dental treatment as an outpatient is reimbursed at the 1.8 fold …“ | AVB RK 17 MV § 5, page 1 |
| Prescribed medicines and dressings | yes | „Medical treatment and medication prescribed by a physician for the insured person.“ | AVB RK 17 MV § 2 Nr. 1 b), page 1 |
| Remedies (physiotherapy, massage) on prescription | no | „Massage and wellness treatment, fango and lymph drainage as well as the purchase of …“ | AVB RK 17 MV § 3 Nr. 1 d), page 4 |
| Medical aids (walking aids, glasses after an accident, wheelchair hire) | yes | „Walking aids deemed medically necessary and the rental fee for a wheelchair.“ | AVB RK 17 MV § 2 Nr. 1 e), page 4 |
| Pain relieving dental treatment and simple fillings | yes, up to EUR 250 | „Pain-killing dental treatment, repairs to dentures and provisional measures up to € 250.“ | AVB RK 17 MV § 2 Nr. 1 f), page 4 |
| Dentures (after an accident or after a waiting period), share and limit | no | „Dental treatment other than pain-killing treatment, repairs to dentures and provisional …“ | AVB RK 17 MV § 3 Nr. 1 c), page 4 |
| Pregnancy treatment and childbirth | no | „Childbirth after the 36th week of pregnancy as well as abortions and the consequences …“ | AVB RK 17 MV § 3 Nr. 1 f), page 1 |
| Preventive check ups and antenatal care | not addressed | ||
| Psychotherapy and psychiatric treatment (outpatient or inpatient, number of sessions) | no | „Psychoanalytical and psychotherapeutic treatment and hypnosis.“ | AVB RK 17 MV § 3 Nr. 1 h), page 4 |
| Direct billing with doctor or hospital (cost guarantee, insurance card) | yes, up to EUR 13,000 | „In case of inpatient hospital treatment, the insurer will provide the hospital with a …“ | AVB AS 17 MV § 2 Nr. 1, 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 in the …“ | AVB RK 17 MV § 2 Nr. 1 d), page 4 |
| Repatriation to the home country (medically necessary or sensible) | yes | „The costs incurred for the medically advisable and appropriate return transportation of …“ | AVB RT 17 MV § 2 Nr. 1, page 4 |
| Repatriation of mortal remains or burial in the host country | yes | „The direct costs for repatriation of the insured person‘s mortal remains for burial or …“ | AVB RT 17 MV § 2 Nr. 2, page 4 |
| Emergency assistance around the clock, multilingual | yes | „The insurer has contracted the Assistance to provide the insured persons of the insurer …“ | AVB AS 17 MV § 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 departure or at the time of taking …“ | AVB RK 17 MV § 3 Nr. 1 b), page 1 |
| 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 | not addressed | ||
| Health questions or underwriting at application | not addressed | ||
| General waiting period (for example 31 days when purchased after entry) | yes | „after a waiting period of 7 days – 0:00 a.m. on day 8 – from the attachment date.“ | AVB AB 17 MV § 4 Nr. 3 c), page 1 |
| Waiting period for childbirth and pregnancy (for example eight months) | not addressed | ||
| 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 …“ | AVB RK 17 MV § 3 Nr. 1 a), page 4 |
| Exclusion: treatment known or foreseeable at the start of cover | yes | „that the insured person knew were necessary prior to departure or at the time of taking …“ | AVB RK 17 MV § 3 Nr. 1 b), page 1 |
| Exclusion of mental illness, addiction and withdrawal treatment | yes | „Psychoanalytical and psychotherapeutic treatment and hypnosis.“ | AVB RK 17 MV § 3 Nr. 1 h), page 4 |
| Exclusion under the influence of alcohol or drugs | yes | „Treatment of alcoholism, drug addiction and other addictions, and the consequences …“ | AVB RK 17 MV § 3 Nr. 1 e), page 4 |
| Exclusion of dangerous sports, professional and competitive sport | yes | „Injuries caused by actively participating in competitions held by sports organisations …“ | AVB RK 17 MV § 3 Nr. 1 i), page 4 |
| 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.“ | AVB AB 17 MV § 5 Nr. 3, page 4 |
Benefit rules and add ons
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim or year | EUR 50 | „Unless otherwise agreed, the insured person pays a deductible of € 50 per insured event.“ | AVB RK 17 MV § 2 Nr. 3, page 4 |
| Co payment per consultation or service | not addressed | ||
| Annual or overall cap for individual benefit types | yes | „Pain-killing dental treatment, repairs to dentures and provisional measures up to € 250.“ | AVB RK 17 MV § 2 Nr. 1 f), page 4 |
| Subsidiary to statutory health insurance or other contracts | yes | „Any obligations to indemnify arising under other insurance contracts and by social …“ | AVB AB 17 MV § 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 …“ | AVB RK 17 MV § 4 Nr. 1, page 4 |
| Deadline for submitting receipts | not addressed | ||
| Continued benefits beyond the end of the contract if unfit for transport or under treatment | yes | „The insurer reimburses the costs of medical treatment up to the day the insured is fit …“ | AVB RK 17 MV § 2 Nr. 2, page 1 |
| 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 | not addressed | ||
| 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 | not addressed | ||
| Cancellation daily or monthly, pro rata billing on early departure | no | „The insurance contract ends at the agreed point in time. You do not have to cancel.“ | Informationsblatt, page 1 |
| Premium refund if the visa is refused or the trip does not start | yes | „In case of visa refusal, the premium shall be refunded via the payment method specified …“ | AVB AB 17 MV § 3 Nr. 3, page 4 |
| 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 with the departure from the agreed area of validity, however at the latest at the …“ | AVB AB 17 MV § 4 Nr. 3, page 1 |
| Premium changes with age bands or length of stay | not addressed | ||
| 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
- Insurance terms and conditions MAWISTA Visum Comfort (englisch) Edition: 2018-1102 AVB 17 (AVB AB 17 MV, AVB RK 17 MV) 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 Visum Comfort and available as plain text.
Volltext MAWISTA Visum Comfort Gäste-Krankenversicherung · As text (Markdown) MAWISTA Visum Comfort Visitor health