Do you want to have detailed information before purchasing our PROVISIT-VISUM insurance policy? In this section, we collected a number of frequently asked questions about the extent of the insurance cover provided by PROVISIT-VISUM. If you have any other questions, feel free to contact us.
Here you will find general questions about PROVISIT-VISUM.
Visitors with a foreign citizenship or a permanent residence abroad who temporarily stay in Germany, another EU country or in Liechtenstein, Norway, Switzerland, Iceland, Andorra, Monaco, San Marino or Vatikan City for private or business purposes can be insured through PROVISIT-VISUM for a maximum duration of 180 days.
Further requirements are:
Accompanying family members can be insured as well. You just need to conclude an insurance policy for each family member separately.
Children and youths can be insured with PROVISIT-VISUM as well. However, for children under the age of 6 insurance can only be effected if the accompanying legal guardian is also insured under the PROVISIT-VISUM tariff.
If you do not know your exact date of arrival, yet, you can purchase the insurance by entering an expected date of entry. In this case, you will receive an insurance certificate with the expected date of arrival.
If the entry date is postponed, please purchase a new insurance online. You will receive your new confirmation immediately. For our information, please note the word “cancellation” and your old insurance number in the 'space for special notes'. We will transfer the premium - if already paid - for the cancelled insurance back to your account.
After the original start of insurance coverage, we can only accept changes to the insurance period if you can immediately substantiate the new data by providing us with the respective entry documents (copy of your passport or a plane ticket).
Should you return early from your stay abroad, a phone call or an email is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. You only pay for the actual period of insurance. No service fee will be charged for this reimbursement. Please note that there is a minimum fee of €20. If you return earlier than expected, please inform us immediately, as the cancellation will take effect on the day we receive it at the earliest.
If your or your visitor’s visa has been refused, a reimbursement of the insurance premium is possible. For the reimbursement of the premium, please provide us with the rejection letter from the embassy or consulate together with a full copy of your visitor’s passport.
The insurance coverage applies to all EU countries as well as to Liechtenstein, Switzerland, Norway, Iceland, Andorra, Monaco, San Marino and Vatikan City. Since 01.01.2021, there is no insurance coverage in Great Britain and Northern Ireland.
Here you will find the most important questions and answers about insurance coverage in Germany after fleeing Ukraine.
Ukrainian refugees are granted temporary protection status under Section 24 of the Residence Act by the Foreigners' Registration Office. How medical care is provided varies from state to state in Germany. In many cases, people receive a treatment certificate from the social welfare office; in other federal states, they receive directly an electronic health card (eGK). With the insurance card, billing the doctor is faster and easier, however, it often takes a long time to receive it.
For more information on medical care for refugees, visit the website of the German Medical Association (German).
In urgent cases, you can visit the emergency rooms of the hospitals. Ukrainian war refugees are entitled to health care under the Asylum Seekers' Benefits Act. In addition, social welfare offices can directly issue entitlement certificates to refugees, which they can use to obtain medical services.
For more information on medical care for refugees, visit the website of the German Medical Association (German).
In general, refugees in Germany are insured by law. However, there may be a gap in insurance coverage. Those who host Ukrainian refugees and want to be on the safe side can first take out an international health insurance policy. This gives the guests immediate protection and also protects the hosts against possible high costs for treatment by a doctor or in hospital. We recommend PROVISIT-VISUM (up to 180 days) or Provisit Germany (up to 2 years). The concluded insurance can be cancelled free of charge and can be terminated on the exact day when the coverage is no longer needed.
PROVISIT-VISUM offers you insurance coverage if you become ill, have an accident or become pregnant. Treatment of pre-existing conditions (e.g. allergies, heart problems, diabetes) and treatment of existing pregnancies are not insured. However, in the event of an acute life-threatening condition for mother and child, emergency curative treatment is covered. In the case of pre-existing conditions or an existing pregnancy, we recommend that you contact your municipality or district.
Germany currently has a general 3G proof requirement before entry. This means that everyone entering the country must be vaccinated, recovered or tested. Corona tests are also offered at the border.
No, there is currently no vaccination requirement against Corona in Germany. However, it is recommended by the federal government that you get vaccinated against Corona. A list with vaccination sites (German) is provided by the Federal Ministry of Health.
Refugees can be vaccinated against Corona free of charge at vaccination centers, doctors' offices or pharmacies. A list of vaccination centers divided by federal state can be found on the website of the Federal Ministry of Health (German).
Here you will find the most frequently asked questions about the coronavirus.
Cancellation of the insurance is possible at any time before the beginning of the insurance. If you wish to change the travel period due to the current wave of illness, a postponement is possible. Please contact us in this case.
No, travel expenses are not covered by the international health insurance. We recommend: Contact your hotel or airline to clarify whether a goodwill arrangement (rebooking or cancellation) is possible.
Here you will find the most frequently asked questions about the coronavirus.
Fever, cough, signs of corona infection? You can rest assured. With PROVISIT-VISUM's insurance cover, you don’t need to fear high medical costs. The medically necessary treatment of the corona virus infection is covered. In addition, PROVISIT-VISUM includes coverage up to 90 days for medical expenses should you be forced to stay abroad for a longer period of time due to the infection.
PROVISIT-VISUM insured persons are covered for medical treatment costs in the event of an unexpected COVID-19 illness - even if it occurs acutely immediately after arrival. Quarantine costs are not covered by the foreign health insurance, as this is not a medically necessary treatment. We strongly recommend that you have a COVID-19 test before you travel. This will protect you and your host family from infection and extended quarantine measures.
The COVID-19 vaccination is not covered by travel insurance.
In Germany, coverage for the COVID-19 vaccination is regulated by the federal and state governments. We recommend that you contact your local health department to clarify the possibility of vaccination and its cost.
Please keep in mind that the prerequisite for the vaccination must be the place of residence or the usual place of residence must be in Germany.
Quarantine costs are not covered by the foreign health insurance. Quarantine is often prescribed as a precautionary measure. This is not a medically necessary treatment. If you fall ill with the coronavirus during quarantine, the treatment is of course insured.
The costs of a corona test will be covered, provided that you are showing related symptoms and it is ordered by a doctor. However, if the test is only a preventive measure, e.g. to meet a required entry or exit regulation or for a health certificate for school, university or employer etc., you must bear the costs yourself.
Yes, PROVISIT-VISUM's international health insurance protects you both when traveling in countries for which the German Foreign Office has issued a travel warning and in case of illness related to a pandemic.
Yes, PROVISIT-VISUM offers insurance cover for pandemics as well as for travel in countries for which a travel warning has been issued by the Federal Foreign Office.
No, travel costs are not covered by the foreign health insurance. We recommend: Contact your travel company to clarify whether, for example, the airline will offer you a goodwill arrangement (free rebooking or cancelation of your trip).
In principle, the insurance coverage applies to all EU countries as well as to Liechtenstein, Switzerland, Norway, Iceland, Andorra, Monaco, San Marino and Vatikan City. Due to the development of COVID-19, you cannot estimate how long your stay in your home country will last. Therefore, we recommend that you cancel your PROVISIT-VISUM insurance immediately after entering your home country. Please inform us about this. An e-mail is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. You will only pay the premiums that have accrued until the receipt of your notification. The insurance coverage applies to all EU countries as well as to Liechtenstein, Switzerland, Norway, Iceland, Andorra, Monaco, San Marino and Vatikan City.
Tip: Please contact your last insurance company in your home country to reactivate your previous insurance immediately
When you resume your travel plans, you are welcome to take out a new PROVISIT-VISUM insurance policy.
PROVISIT-VISUM insurance coverage ends upon entry into your home country. Please contact your last insurance company in your home country to reactivate your previous insurance immediately.
The Robert Koch Institut provides you with important information about the current coronavirus development: https://www.rki.de/DE/Content/InfAZ/N/Neuartiges_Coronavirus/nCoV.html (machine translated from German).
Here are some frequently asked questions regarding the application.
You can purchase PROVISIT-VISUM directly online. You only need to do two things: fill in the application form (all fields marked with * are required) and check whether all entered information is correct. Then simply confirm your application - that’s it!
Following your application, you will immediately receive an email with your insurance certificate for your records and for submission to public authorities, along with customer information and the "Ärzte-Info-Ticket" (medical info card).
Following your application, you will immediately receive an email with your insurance certificate as well as the customer information and the "Ärzte-Info-Ticket" (medical info card). If you did not receive an email, please check the mentioned email address and take a look in the SPAM folder.
When you purchase your policy online, all information is sent through a secure connection. We use your data only for fulfillment of the insurance contract. For more information, please go to our section on data protection .
Here are some of the most frequently asked questions about existing contracts.
Changes can be made within 3 months of the original contract start date. An e-mail is sufficient before the intended date of entry. If you inform us about the change after the originally planned date of entry, we need proof of entry (copy of passport or air/rail ticket).
In case of an extension of your stay abroad, you can apply for an extension prior to the end of the existing insurance policy. The maximum duration of insurance is 180 days.
Phone: +49 2247 9194-41
Mon-Fri: 8 am to 6 pm
You can also send us a letter, fax or an email.
If the insurer accepts your request for extension, insurance cover only applies for insured events that occurred after you applied for extension. In case of an extension, the insurer is not liable to pay for pre-existing and known conditions such as illnesses, ailments or existing pregnancies and their results.
Should you return early from your stay abroad, a phone call or an email is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. You only pay for the actual period of insurance. No service fee will be charged for this reimbursement. Please note that there is a minimum fee of €20. If you return earlier than expected, please inform us immediately, as the cancellation will take effect on the day we receive it at the earliest.
If your or your visitor’s visa has been refused, a reimbursement of the insurance premium is possible. For the reimbursement of the premium, please provide us with the rejection letter from the embassy or consulate together with a full copy of your visitor’s passport.
The insurance coverage applies to all EU countries as well as to Liechtenstein, Switzerland, Norway, Iceland, Andorra, Monaco, San Marino and Vatikan City.
You can access our online service 24/7. You can use our online forms, for example, to change your bank and address data or to apply for an extension of insurance cover.
Please
change to our Secure Server
to send your changes online.
Here are some of the most frequently asked questions regarding payment.
The premium for this policy is to be paid at the conclusion of the insurance contract for the entire term of the insurance. You can choose from the following payment options:
a) credit card: Maestro, Mastercard, Visa, JCB, American Express, Diners, Discover or Bancontact;
b) SEPA Direct Debit;
c) online payment system: eps, Giropay, Apple Pay, Alipay, SOFORT Überweisung, iDEAL or PayPal.
The premium for this policy depends on the duration of the trip. Should you return early from your stay abroad, a phone call or an email is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. You only need to pay for the actual insurance period. No service fee will be charged for reimbursement.
If you pay by credit card, we use the 3-D Secure procedure. It provides additional security for your credit card transactions and reduces the risk of fraud due to card misuse.
You first enter your credit card number. A connection will then be established with the card issuer so that you can confirm your identity, for example by entering a code. If the authentication was successful, the credit card payment is executed. The 3-D Secure procedure should not be confused with your credit card's check number (CVC).
In order to use the 3-D Secure procedure, you must register with your bank/credit company, which usually takes a few days.
Please avoid any chargebacks. Every chargeback causes an enormous administrative amount along with bank charges. For any unpaid direct debit, we will have to charge the resulting fees imposed on us if you are the one responsible for the unpaid direct debit (for example as a result of revocation, incorrect information or insufficient account balance).
We will refund any overpaid premiums immediately in full without charging a service fee. Should you return early from your stay abroad, a phone call or an email is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. No service fee will be charged for this reimbursement.
If you end your trip early and travel back to your home country of Russia, you will receive a refund of any overpaid premiums. However, the global sanctions against Russia due to the war in Ukraine include blocked payment flows that make this difficult. Please feel free to contact our payment department if you are affected by this.
Here you will find questions and answers regarding claims.
As foreign guest you are covered by private international health insurance. Such health insurance covers only acute medical treatment of newly occurred illnesses.
If it is not an emergency, please consider the following recommendations:
For further information, go to: What to do in the event of illness? or use the overview Procedure in the event of a claim for orientation.
If you submit your "Ärzte-Info-Ticket" (medical info card) to the physician or to the hospital prior to the treatment, we can settle the bill directly with the doctor or hospital. If your doctor does not want to settle the bill directly with DR-WALTER, you will receive an invoice after the treatment. For details, go to: How are your invoices refunded?
Please send your original receipts and your fully completed claim form to DR-WALTER GmbH by mail and name the account you want the reimbursement transferred to.
We need about 2 weeks to process your request. There will be a reimbursement according to the tariff.
Any medication needs to be medically necessary or prescribed by a doctor. You will receive your medication by taking the prescription to a pharmacy. The original prescription can then be submitted to us for a refund of the costs. The policy does not cover medication that can be bought at a pharmacy for free and without a doctor’s prescription. Please note that we can only process a prescription after receiving the related (doctor’s) invoice along with the diagnosis.
During the admission, please present the Ärzte-Info-Ticket (medical info card) which you received with your insurance certificate.
Hospitals usually contact us after the admission and the billing will be settled
directly with the hospital.
The policy covers emergency treatment and urgent operations within compulsory health
insurance without optional services.
If such inpatient treatment is not an emergency treatment, we recommend arranging
the details of the planned therapy
beforehand with our claims department. This way, we can help you to minimize any
financial risk.
Please inform your dentist about the details of your insurance coverage by providing him with our Ärzte-Info-Ticket (medical info card) prior to the treatment. In case of toothache, you usually receive immediate dental treatment. Such treatment aims to reduce pain and to treat the respective tooth. As with any other travel health insurance, the policy covers simple fillings (emergency dental treatment) for the relief of new and acute pain. For details, go to: What to do in the event of toothache?
The progression is part of the accident insurance and determines the percentage value by which the payout increases in the event of an accident. For PROVISIT-VISUM, this is 225%. Example: The disability benefit is € 30,000. The lump-sum payment in the event of 100% accidental disability is then €67,500 due to the progression.
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We would be pleased if you would take the time to write a review on Google, Facebook or Trustpilot. In this way you will not only help us to further improve our service, but also help other customers who are looking for the right insurance.
If you still have unresolved issues or are not satisfied with our service, you can of course contact the relevant specialist department or the complaints management department (sandra.karnstedt-panienka(at)dr-walter.com). You can also reach us via our Contact form. For further information on questions regarding complaint handling, please see our legal notice.
Phone: +49 2247 9194-982
E info@provisit-visum.comMon-Fri: 8 am to 6 pm
DR-WALTER GmbH
Eisenerzstr. 34
53819 Neunkirchen-Seelscheid
Germany
T
+49 2247 9194-982
F +49 2247 9194-40
E info@provisit-visum.com
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