MAWISTA - Expatcare - Health insurance for foreign workers in Germany (2024)

MAWISTA Expatcare insures foreign visitors for up to five years in Germany and up to three months worldwide. Exceptions are: If you choose a tariff that excludes the USA and Canada, you cannot stay there longer than 42 days.

Germans abroad are covered worldwide and for up to 3 months in Germany.

For family members of people already insured with MAWISTA Expatcare and who want to live in Germany for more than six months, we recommend that they also take out MAWISTA Expatcare. The maximum duration of MAWISTA Expatcare is five years. MAWISTA Expatcare has the advantage that it covers the costs of U1-U9 preventive check-ups for children in addition to vaccinations as recommended by the STIKO (Standing Vaccination Committee). If your family will be staying for less than six months, MAWISTA Visum is the better choice.

Each family member must take out insurance separately. We do not offer family insurance that covers multiple people.

If the illness is minor (for example, you have the flu, headaches or have had a minor accident), we recommend you find a general practitioner in the local area. The doctor providing treatment can refer you to the specialist if needed. If you have toothache, you should go straight to a dentist.

If you have severe pain, have had a serious accident or need to see someone outside of normal consultation hours (for example at the weekend), you should visit an on-call doctor's practice that offers an emergency service or go to a hospital. If you need to stay in hospital as an inpatient (e.g. for an operation), you must contact your insurer immediately. In this case, the emergency call centre team will clarify the details of how the costs will be covered directly with the hospital. This has the advantage that hospital bills do not have to be disbursed. The insurer will cover the costs directly.

Our emergency call centre team are available 24 hours a day:
Tel.: +49 89 6242 4496
Fax: +49 89 6242 4246

The prerequisite for obtaining a declaration of cost acceptance is the treatment of an acute illness (no pre-existing condition) that is medically necessary and cannot be postponed. The following documents must be submitted in order to check that this requirement has been met:

• Detailed report on findings by the doctor who ordered the operation
• Medical history
• Symptoms
• Information about when the operation will take place
• Information about where the operation will take place

So they can check hospital bills, your insurer will need the following documents:

• Admission notification from the hospital
• Discharge notification from the hospital
• Bill
• Full discharge report

Whether and how much excess needs to be paid varies depending on the tariff you have chosen:

• The MAWISTA Expatcare tariff excluding the USA/Canada does not have an excess.
• The MAWISTA Expatcare tariff including the USA/Canada has an excess of €500 per insurance year.

Example of MAWISTA Expatcare including USA/Canada: You submit bills totalling €1,200 within one insurance year. You must pay €500 of this yourself as the excess. The difference of €700 is covered by the insurer. More information on excesses can be found here.

With MAWISTA Expatcare, the insurer will generally only reimburse treatment that is medically necessary and has occurred after the start of the insurance term. Treatment for pre-existing conditions will therefore not be paid for by the insurer.

Section 4 of the conditions of insurance outlines the cases where there is no insurance cover:

1. Medical treatments and other medically prescribed measures which are the reason for coming to the country in which insurance cover has been agreed
2. Medical treatments and other medically prescribed measures which were known to be necessary by the insured person prior to coming to the country in which insurance cover has been agreed or were known at the time the policy was taken out, or which must have been expected by them due to known circ*mstances
3. Nutriments and restoratives
4. Orthodontic treatment, dental treatment that goes beyond treating pain, repair of dentures and temporary solutions
5. The purchase of prostheses and aids; in deviation from this, insurance coverage of up to €250 is provided for accident-related aids (€1000 for MAWISTA Expatcare Comfort and €2000 for MAWISTA Expatcare Premium)per insurance year
6. Treatment of alcohol, drug and other addictions and their consequences
7. Treatment of pregnancies that have already occurred before the start of insurance coverage and treatment of pregnancies that occur within the first three months following commencement of insurance (waiting period); the special waiting period for childbirth is eight months.
8. Treatment or hospital stays related to prolonged illness, nursing care or need for compulsory care or custody
9. Treatment of mental and emotional disorders as well as hypnosis, psychoanalytical and psychotherapeutic treatment
10. Fees and charges that exceed what is generally considered normal and reasonable in the country in question; also no fees covered for elective services, such as a private room or treatment by the head physician. Reimbursem*nt may be reduced to the rates standard for the country in question if applicable
11. Repatriation for any of the reasons stated in nos. 1, 2, 6 or 8
12. Screening examinations for the early detection of diseases(screening examinations for the early detection of cancer are included in MAWISTA Expatcare Comfort and Premium), examinations for children and teenagers(the U1-U9 preventive check-ups are included with MAWISTA Expatcare Premium), preventive dental care examinations and prophylaxis, vaccinations, as well as for fees and charges for certificates, diagnostic reports and sick notes/certificates that were not requested by the insurer
13. Injuries that occur as the result of active participation in competitions by sports organisations and related training

The ‘waiting period’ is the period after the insurance has commenced during which there is no entitlement to insurance benefits. With the MAWISTA Expatcare, there is a waiting period in two cases:

• If the insurance is taken out abroad in the first instance and it is not a follow-on insurance policy or you have not had an accident, there is a waiting period of 14 days before the insurance cover comes into effect.

• Regular treatment costs for pregnancy will be reimbursed only after a waiting period of 3 months following commencement of the insurance. Childbirth will be covered after a waiting period of 8 months.

Example: You travel to Germany on 1 January and have taken out insurance cover for two years. You discover you are pregnant in August. In this case, the insurance company will reimburse childbirth costs only from 1 September (after eight months). Treatment costs will be reimbursed after a waiting period of three months.

If the pregnancy began before the start of the insurance cover, pregnancy treatments and childbirth are not insured.

If a pregnancy starts after the insurance cover has commenced, the MAWISTA Expatcare tariff covers the costs of pregnancy treatments following a waiting period of three months and the costs of childbirth following a waiting period of eight months.

Regardless of when the pregnancy began and waiting period, the insurer will reimburse costs of medical treatment in the case of acute pregnancy complications including miscarriage and premature birth.

We will cover you if you fall ill with Covid-19 during your stay abroad. The following services are covered, provided they have been ordered by a doctor:

• Medically necessary treatments
• Examinations
• Medication
• Costs for in-patient quarantine
• PCR test (if symptoms present)

To switch from another insurance company to MAWISTA Expatcare during a stay abroad, proof of the day you entered the country as well as proof of your previous insurance is required. You must also clarify the period of notice with your previous insurance company. You should avoid having two insurance policies running concurrently as this makes it difficult to determine who should pay. If you have any questions, our staff would be happy to help. We are available Monday to Thursday from 9 a.m. to 5 p.m. and Friday from 9 a.m. to 4 p.m.

Tel.: +49 7024 469 510
Email: [email protected]