Health insurance

What should I know?

• Max. acceptance age: 64 years
• Max. insurance period: 183 days
• Min. insurance period: 8 days
• Follow-up insurance prior to expiry: can be arranged by telephone, fax, e-mail or post; max. insurance period is 183 days
• Payment: single payment after conclusion
• Validity of policy: 12 months after issue for the agreed period
• Cancellation: free of charge subject to presentation of proof that a visa has been refused
• Stipulated self-retention in the travel health insurance: none

How much are the premiums?

mawista visa tariff

What benefits are insured*?

What benefits are NOT insured*?

The travel health insurance does not include insurance cover for:

• treatment and other medically defined measures which are the reason for travel;
• treatment and other medically defined measures, the necessity of which was known to the insured person, or which under the given circumstances should have been reckoned with, before the planned start of travel or at the time the policy was concluded;
• dental treatment other than analgesic treatment and repairs to dentures and provisional inlays costing more than EUR 250 per stay;
• massage and wellness treatment, as well as the procuration of artificial limbs and other aids;
• treatment of alcohol or drug-related illnesses and other addictions and their consequences, including return hospital transport;
• delivery after the 36th week of pregnancy and terminated pregnancies and their consequences, including return hospital transport;
• treatment or placement due to infirmity, the need for nursing care or custody (including return hospital transport);
• treatment of psychiatric or mental disorders, as well as hypnotism and psychotherapy (including associated medication and return hospital transport);
• injuries suffered as a result of active participation in competitions organised by sport organisations and related training (including return hospital transport).

What happens if your guest does not receive a visa?

If your guest is not allowed to enter the country, you can apply for reimbursement of the insurance premiums. The application must be submitted within 30 days following the refusal to grant a visa.

To receive reimbursement of the insurance premiums, you must submit the original insurance policy together with the notice of rejection from the embassy or consulate and a full copy of your guest’s passport. Please take note, that the reimbursement of the premium will be done after the policy expires, that means after 12 Month.

How do I take out the insurance?

Online:
You can take out your insurance over the Internet using our Online Application. Just click on the button “Online-Application” and fill out the form with the required data. You will receive the insurance policy by e-mail as pdf-file or by regular mail.

Post or fax:
Simply download the German-English application form as a PDF file, complete it, and then send it by post or fax it to the address on the form.

Application as PDF file

You will receive your insurance policy after a few days (it can also be sent by fax or e-mail upon request). The charges will be debited from your account or credit card.

What should I do in the event of a claim?

What do I have to do in all claims cases?
The insured person must keep the claim amount as low as possible and provide proof of the costs incurred. Therefore, please make sure to gather suitable proof for the time the claim is to be made (e.g. confirmation of ill health, doctor’s report) and the scope of the claim (e.g. bills, documentation).

What should I do in the event of illness, injury or other emergencies while travelling?
(Travel health insurance/travel emergency call insurance)
In cases of serious injury or illness, particularly prior to entering hospital, please contact the AGA International S.A.
emergency assistance centre without delay to ensure you receive adequate treatment and to arrange return transport home if necessary.

The following documents must be submitted in order for your claim to be processed:

• Copy of the insurance policy in your possession
• Complete copy of the passport of the insured person with personal details, entry visa and date of entry into the area of validity of the insurance
• Original bill and/or prescriptions with details of the medical diagnosis and services provided

Important:
The bills must include the following details: the name of the treated person, a description of the illness, details about the treatment and a list of the medical services provided and the associated costs. Prescriptions must include the following details: the prescribed medication, prices and the chemist’s official stamp.
In cases of out-patient treatment, you will receive a bill from the doctor, which you will usually have to pay in advance at the time of treatment.
Please note that if you are treated by a doctor in Germany, doctors’ bills are calculated at 1.8 times the charge rates for doctors (GÖA) or for dentists (GOZ); primarily medical-related services are calculated at a maximum of 1.3 times the charge rate, and laboratory services are calculated at a maximum of 1.15 times the charge rate.

What do I have to pay attention to if I cause damage?
(Travel liability insurance)
Please write down the names and addresses of any witnesses who may have observed the event leading to the damage and notify AGA International S.A..

Important:
Avoid admitting liability for any damage you may have caused. If you do so, this may invalidate your insurance claim.

Remuneration is paid in euros into a German bank account.

Please send all claims together with the appropriate documentary proof to:

Legal information for the consumer

* legally binding are the conditions of insurance of the AGA International S.A., München.
You can view and download our insurance terms and conditions as a PDF file. This information is only available in German. We apologise for any inconvenience.

• Versicherungsbedingungen für MAWISTA Visum Reiseversicherung (131 KB)
• Insurance terms and conditions for mawista Visum (135 KB)