Private health insurance in Germany: discover Educare
An international experience in Germany requires careful planning, especially when it comes to health insurance. Educare, one of the main private insurance companies for students over 30, offers personalized solutions to Brazilian exchange students. The partnership with Be Easy facilitates the way in which students access health services during their academic journey.
Why do I need health insurance in Germany?
The German system is strict when it comes to health insurance and financial proof - these are two fundamental legal requirements for every resident. For those who plan study and work in Germany, both adequate insurance and a blocked account are mandatory.
O Blocked account proves that you have sufficient financial resources for your stay, while the insurance guarantees your medical protection. Without any of these documents, you are unable to complete essential processes such as residence registration, university enrollment, or obtaining your student visa.
These requirements exist to ensure that all international students have both access to medical care and financial stability during their stay, avoiding any type of difficulty during their study period.
Educare health insurance: exclusive benefits for international students
Educare developed a specific program for international students, with full coverage starting at €34.50 per month. The difference lies in the combination of affordable price with comprehensive services. Students have access to an extensive network of hospitals and clinics across Germany, with coverage ranging from basic consultations to complex procedures. The hiring process is completely digital, and the documentation is provided in English and German, facilitating all the necessary procedures for your stay in the country.
Click here to ensure your protection with the best student health insurance in Germany.
Streamlined membership process
The entire process can be carried out online, even before your arrival in Germany. You will need to present your valid passport and proof of enrollment or course. Other documents, such as proof of German address and local bank details, can be provided upon arrival in the country. Approval is quick, generally within 48 hours of submitting the complete documentation.
Differentiated international coverage
In addition to full coverage in Germany, you are protected during trips of up to six weeks to any country, including returns to Brazil. This flexibility is especially important for students who plan to explore Europe during their study period. The insurance includes medical care throughout the European Union and offers telemedicine services in English, ensuring that you have medical support even during your travels.
Exclusive financial advantages
Educare stands out for offering financial benefits that make a difference in the international student's budget. The payment is calculated per exact day of use, allowing greater control over your expenses. In case of an early return to Brazil, you receive a refund for unused days, without red tape. In addition, the program offers:
- Direct billing with hospitals and clinics
- No need for advance payments on the accredited network
- Maintained coverage even with part-time jobs
- Absence of a franchise or co-participation
- Possibility of payment upon arrival in Germany
Coverage for emergencies
When it comes to medical emergencies, in addition to the emergency care available 24 hours a day, 7 days a week, you have essential services such as medical removal and intensive treatments when necessary. The program fully covers hospitalizations in semi-private rooms and emergency procedures, including surgeries.
Important deadlines and periods
A hiring can be done even before you arrive in Germany, ensuring that you already have protection from your first day in the country. The grace periods are minimal:
- Emergency care: immediate coverage
- Routine appointments: after 24 hours
- Dental treatments: 3-month grace period
- Preventive examinations: after 30 days
- Elective procedures: after 90 days
Extension of family coverage
For students who plan to take the family, the spouse can be included in the same plan, keeping all the benefits and coverage of the holder. Children under 6 can also be insured, as long as the legal guardian is covered by the same plan. The family inclusion process is simplified, requiring only basic documentation such as a marriage or birth certificate, in addition to valid passports.
Documentation for official processes
The insurance company issues all necessary documentation in German and English, including certificates of coverage for immigration authorities and universities. The support team helps prepare specific documents for different purposes, facilitating processes such as residence registration and university enrollment.
Practical use of insurance
When seeking medical attention, simply present your insurance card to the accredited network. The direct billing system eliminates the need for advance payments or reimbursement processes in most cases. For greater convenience, you can:
- Find nearby doctors through the app
- Schedule appointments through the service center
- Request telemedicine when appropriate
- Track your calls through the online portal
- Receive preventive exam reminders
Be Easy
A Be Easy, as an official partner of Educare, offers full support so you can take out the ideal health insurance for your experience in Germany. Our specialized team is ready to assist with every process, from choosing the plan to using the insurance. Contact us and guarantee the peace of mind you deserve during your exchange.
