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Union Krankenversicherung GesundheitGLOBAL Incoming: the policy wording in full
Tarif der Union Krankenversicherung für längerfristig nach Deutschland einreisende Personen, bis ein Jahr oder mit befristetem Aufenthaltstitel bis fünf Jahre, mit Vorsorge, Zahnersatz und Schutz bei Heimatbesuchen; die zugehörigen AVB/KK-LE liegen nicht vor.
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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 Union Krankenversicherung
GesundheitGLOBAL Incoming.
Eligible persons and stay
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Visitors, tourists and guests with or without a visa can be insured | yes | „Versicherungsfähig sind Personen mit ausländischer Staatsangehörigkeit, die nur …“ | 1, page 1 |
| 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 | not addressed | ||
| Maximum duration of the contract (days, months or years) | yes | „Der Versicherungsvertrag muss für mindestens zwei Monate und kann für maximal a) fünf …“ | 2, page 1 |
| Extension possible during the stay | yes | „Bei Vertragsverlängerung gilt das aktuell erreichte Lebensalter.“ | 5, page 2 |
| 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 | „Während einer vorübergehenden Rückkehr in das Herkunftsland besteht bis zu sechs Wochen …“ | 3.2, 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 | not addressed | ||
| Cover on temporary trips to third countries (duration in the text) | yes | „Bei einer Heilbehandlung in Deutschland oder im Ausland gemäß Ziffer 1.4 der AVB/KK-LE“ | 3.3, page 1 |
| Cover during visits to the home country (duration in the text) | yes | „Während einer vorübergehenden Rückkehr in das Herkunftsland besteht bis zu sechs Wochen …“ | 3.2, page 1 |
| Certificate for the embassy, consulate or immigration office | not addressed |
Treatment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Outpatient treatment by a doctor | yes | „Beratungen und Behandlungen durch Ärzte und Zahnärzte, einschließlich Operationen und …“ | 3.1 a), page 1 |
| Inpatient hospital treatment | yes | „bei stationären Aufenthalten einschließlich Operationen: allgemeine Krankenhausleistungen“ | 3.1 j), page 1 |
| Reimbursement limited to fee schedule rates or customary local costs | yes | „sind Arzt- und Zahnarztkosten nach den Grundsätzen der GOÄ und GOZ“ | 3.3, page 1 |
| Prescribed medicines and dressings | yes | „Arznei- und Verbandmittel nach Verordnung durch einen Arzt oder Zahnarzt“ | 3.1 e), page 1 |
| Remedies (physiotherapy, massage) on prescription | yes, up to EUR 250 | „Heilmittel nach Verordnung durch einen Arzt bis zu insgesamt 250 Euro im Kalenderjahr“ | 3.1 f), page 1 |
| Medical aids (walking aids, glasses after an accident, wheelchair hire) | yes, up to EUR 500 | „Hilfsmittel nach Verordnung durch einen Arzt bis zu insgesamt 500 Euro im Kalenderjahr“ | 3.1 h), page 1 |
| Pain relieving dental treatment and simple fillings | yes, up to EUR 1,000 | „Zahnbehandlung durch Zahnärzte und die damit in Verbindung stehenden notwendigen …“ | 3.1 l), page 1 |
| Dentures (after an accident or after a waiting period), share and limit | yes | „Zahnersatz und Kieferorthopädie zu 80% bis zu einem Rechnungsbetrag von insgesamt 1.000 …“ | 3.1 m), page 1 |
| Pregnancy treatment and childbirth | yes | „Leistungen der Hebamme und des Entbindungspflegers“ | 3.1 b), page 1 |
| Preventive check ups and antenatal care | yes | „gezielte Vorsorgeuntersuchungen zur Früherkennung von Krankheiten nach in Deutschland …“ | 3.1 c), page 1 |
| Psychotherapy and psychiatric treatment (outpatient or inpatient, number of sessions) | yes | „ambulante Psychotherapie, wenn der Versicherer zuvor im Rahmen eines Konsiliar- und …“ | 3.1 n), page 1 |
| Direct billing with doctor or hospital (cost guarantee, insurance card) | yes | „Falls eine Krankenhausbehandlung oder ein Rücktransport erforderlich wird, kümmern wir …“ | 6, page 2 |
| 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 | „Aufwendungen für medizinisch notwendige Transporte zum Krankenhaus oder im Notfall zur …“ | 3.1 k), page 1 |
| Repatriation to the home country (medically necessary or sensible) | yes | „Erstattungsfähig sind alle Aufwendungen für einen medizinisch notwendigen Rücktransport …“ | 3.4, page 1 |
| Repatriation of mortal remains or burial in the host country | yes | „in Deutschland, werden die Kosten der Bestattung am Sterbeort oder der Überführung an …“ | 3.5 a), page 1 |
| Emergency assistance around the clock, multilingual | yes | „Wenden Sie sich in diesen Fällen umgehend an unseren 24-Stunden Notrufservice, den Sie …“ | 6, page 2 |
Pre existing conditions and waiting periods
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of pre existing conditions and complaints known at the start | not addressed | ||
| 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) | not addressed | ||
| 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 | not addressed | ||
| Exclusion: treatment known or foreseeable at the start of cover | not addressed | ||
| Exclusion of mental illness, addiction and withdrawal treatment | yes | „sowie für Entgiftungs-, Entzugs- und Entwöhnungsbehandlungen.“ | 4 b), page 2 |
| Exclusion under the influence of alcohol or drugs | yes | „auf Vorsatz, Selbstmord, Selbstmordversuch oder auf Sucht (z. B. Alkohol oder Drogen) …“ | 4 b), page 2 |
| 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 | „auf Vorsatz, Selbstmord, Selbstmordversuch oder auf Sucht (z. B. Alkohol oder Drogen) …“ | 4 b), page 2 |
Benefit rules and add ons
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim or year | not addressed | ||
| Co payment per consultation or service | not addressed | ||
| Annual or overall cap for individual benefit types | yes | „Heilmittel nach Verordnung durch einen Arzt bis zu insgesamt 250 Euro im Kalenderjahr“ | 3.1 f), page 1 |
| Subsidiary to statutory health insurance or other contracts | not addressed | ||
| Prior approval or notification required (hospital, psychotherapy, dentures, repatriation) | yes | „wenn der Versicherer zuvor im Rahmen eines Konsiliar- und Gutachterverfahrens eine …“ | 3.1 n), page 1 |
| Deadline for submitting receipts | not addressed | ||
| Continued benefits beyond the end of the contract if unfit for transport or under treatment | not addressed | ||
| Liability insurance as an add on or in a package | not addressed | ||
| 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 | yes | „Der Versicherungsvertrag muss für mindestens zwei Monate“ | 2, page 1 |
| Cancellation daily or monthly, pro rata billing on early departure | not addressed | ||
| 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) | not addressed | ||
| Premium changes with age bands or length of stay | yes | „Der Beitrag richtet sich dem Eintrittsalter der versicherten Person bei …“ | 5, page 2 |
| Insurer may cancel after a claim or at expiry | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- UNION KRANKENVERSICHERUNG AKTIENGESELLSCHAFT
- Distribution
- through tied agents
- Material 336834 im Premiumservice der Versicherungskammer (Zuordnung am Text prüfen) Edition: 01.04.2017, SAP-Nr. 336834 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 Union Krankenversicherung GesundheitGLOBAL Incoming and
available as plain text.
Volltext Union Krankenversicherung GesundheitGLOBAL Incoming Gäste-Krankenversicherung · As text (Markdown) Union Krankenversicherung GesundheitGLOBAL Incoming Visitor health