Student Insurance Coverage

Medical Care

As a student it is important for you to focus on you education and career. But health is of prime concern to all, so we as health insurance providers would make every effort to ensure that a student gets the best medical care whenever necessary. A panel of recognized physicians and consultants will do their best to ensure that treatment is done with outmost care so that you can expect your treatment with the highest medical standards, technologies, diagnostic tool & latest scientific treatment and remedies. Whenever your doctor thinks it makes sense to take action, we are present to relieve you from your burden of payment for medical care.

A personal consultation with your doctor, an extensive examination in your doctor's practice, a consultation at your home - we will bear the costs of whatever is important for your health.

Going to the Doctor

  • In case of illness, you can choose from over 100,000 HEALTH INSURANCE PROVIDERS-recognized doctors, the one you trust.
  • Consult the doctor or dentist of your choice with your HEALTH INSURANCE Card.
  • One time office fee is required to be paid by the student when visiting a physician, dentist or psychologist. However, this is only necessary for the first appointment in each quarter of the year.

Medicines

  • Students covered under health insurance policy can be sure of having access to all the medicines required for the best medical care.
  • Make use of your doctor's competence and let him advise you the right medicine and dressing and the health insurance company will refund the costs within the agreed legal limit.
  • For medication that is only available by prescription, the student makes a small shared payment.

Remedies

  • Physiotherapy, ergo therapy, baths, massage, logopedy or radiation these are all examples of remedies.
  • If a recognized physician or consultant considers the provision of such remedies necessary for medical reasons and prescribes them to the student, the HEALTH INSURANCE company will bear the contractually agreed prices (excluding the statutory co-payment).

Natural remedies

  • Health insurance companies consider alternative medicine as a supportive treatment and covers natural remedies in the insurance policy. For example, the HEALTH INSURANCE company will bear part of or all costs of acupuncture treatment to reduce pain.
  • However, for the student is advised to check with the health insurance company before going for the treatment.

Hospital

  • Insurance coverage companies contracts with the best hospitals and clinics to ensure that the student enjoys the latest methods of treatment and this without any time limit, of course.
  • However, a student is required to pay a reduced contribution to the cost of medication within the first 28 days of each year.

Dentures and crowns.

  • Dental treatment is paid for on the basis of the benefit-in-kind principle. This means for instance that if someone needs a crown, he will get a fixed contribution from the insurance coverage, calculated as a percentage of the actual costs.
  • The dentist will prepare a free treatment and cost plan required to be submitted to the health insurance company.
  • If the student is over 18 and goes to the dentist at least once a year, he or she is entitled to a bonus, and the HEALTH INSURANCE company will bear a higher percentage of the costs of the dental treatment.

Accident insurance

  • As a student you are also covered by an accident insurance.
  • This is paid for by the competent regional authority, during study semesters and by your employer during training semesters.
  • This insurance covers the student for all activities related to the attendance of University courses, training during training semesters or internship, if this is required in the curriculum.

Important: If the student has an accident, he or she must report immediately to the respective University or training centre.