1. What is an international health insurance and why do au pairs need it?
An international health insurance is a type of insurance policy that provides coverage for medical expenses and services while traveling outside of one’s home country. It is designed to protect individuals against unexpected healthcare costs, such as illness or injury, when living or traveling abroad.
Au pairs typically require international health insurance because they are working and living in a foreign country for an extended period of time. As they may not have access to their home country’s healthcare system, having international health insurance can ensure that they have access to quality medical care and protection against costly medical bills. It also provides peace of mind for both the au pair and their host family in case of any unforeseen health issues.
2. Is it mandatory for au pairs in Germany to have international health insurance?
Yes, it is mandatory for au pairs in Germany to have international health insurance. According to the Au Pair Agreement between Germany and the participating country, this insurance must cover illness, accident, death, liability, and repatriation costs. The insurance must be valid for the entire duration of the au pair’s stay in Germany.
3. What does international health insurance for au pairs in Germany cover?
International health insurance for au pairs in Germany typically covers the costs of medical treatment, hospitalization, medication, and emergency dental care. It may also provide coverage for pre-existing conditions and repatriation in case of a medical emergency. Some policies may also include assistance services such as translation and transportation services.In addition to medical coverage, some plans may also offer other benefits such as liability insurance, personal accident coverage, and travel insurance.
It is important to carefully review the coverage details and exclusions of any insurance plan before purchasing it to ensure that it meets your specific needs as an au pair in Germany.
4. Are pre-existing medical conditions covered by international health insurance for au pairs?
Pre-existing medical conditions are typically not covered by international health insurance for au pairs. These insurance policies usually exclude coverage for any conditions that were present before the start date of the policy or during a waiting period. This means that if an au pair has a pre-existing medical condition, they may need to seek coverage through another source, such as a local public health insurance system or through their own personal insurance. It is important to read the details and exclusions of any insurance policy carefully before purchasing it to fully understand what is covered.
5. Can a au pair choose any international health insurance provider or are there specific ones accepted in Germany?
An au pair can choose any international health insurance provider as long as it meets the requirements set by the German government. However, it is recommended to choose a reputable and well-known insurance provider to ensure sufficient coverage and ease of communication in case of any issues or claims.
6. Is dental care included in international health insurance for au pairs?
It depends on the specific insurance plan and provider. Some international health insurance plans may include coverage for basic dental care, such as routine cleanings and check-ups, but not major procedures like braces or oral surgery. It is important to carefully review the coverage details of any insurance plan you are considering to determine what dental care services are included. If dental coverage is not included, you may need to purchase a separate dental insurance plan or pay out-of-pocket for any necessary dental care.
7. Can a family or host employer purchase international health insurance for their au pair on their behalf?
Yes, a family or host employer can purchase international health insurance for their au pair on their behalf, as long as the policy covers all necessary medical and emergency expenses. It is recommended to discuss this with the au pair and come to an agreement on the type of coverage and costs before making any purchases.
8. How much does international health insurance for au pairs typically cost and how long does it last?
The cost and duration of international health insurance for au pairs can vary depending on the specific insurance plan and provider. Generally, it can cost anywhere from $30 to $100 per month and may last for the duration of your au pair program, which is typically one year. Some insurance plans may also offer options for shorter or longer coverage periods, as well as varying levels of coverage and benefits. It is important to carefully research and compare different insurance plans to find one that best fits your needs and budget.
9. Are routine check-ups and vaccinations covered by international health insurance for au pairs?
Coverage for routine check-ups and vaccinations may vary depending on the specific international health insurance plan you have chosen. Some plans may provide coverage for preventive care, including check-ups and vaccinations, while others may only cover them in certain circumstances such as when they are required for travel or to meet visa requirements. It is important to carefully review your policy documents or consult with your insurance provider to clarify what is covered under your plan.
10. Are prescription medications covered by international health insurance for au pairs?
Yes, prescription medications are typically covered by international health insurance for au pairs. However, coverage and reimbursement may vary depending on the policy and specific terms and conditions. It is important to review the details of the policy carefully before purchasing to fully understand what is covered and what is not.
11. Is emergency evacuation/repatriation coverage included in international health insurance for au pairs?
Yes, emergency evacuation and repatriation coverage are typically included in international health insurance plans for au pairs. This coverage provides financial protection for the costs associated with being medically evacuated to a hospital or returning home for medical treatment in case of a serious illness or injury. It is important to carefully review the details of your specific insurance plan to understand the exact coverage and limits for emergency evacuation and repatriation.
12. Can an au pair use their German public healthcare system with their international health insurance instead of private hospitals and doctors?
It is possible for an au pair to use their international health insurance in Germany to cover their healthcare expenses. However, the specific coverage and limitations may vary depending on the policy and insurance provider. It is recommended that au pairs research and carefully review their insurance policy to understand what services are covered and which healthcare providers are accepted before seeking treatment. Some public healthcare facilities in Germany may also accept international health insurance, but it is best to confirm with the facility beforehand.
13. Will my permanent residence country continue to provide me with healthcare services while I am abroad as an au pair in Germany?
It depends on the specific policies and agreements between your home country and Germany. You should check with your healthcare provider or insurance company to see if they will continue to cover you while abroad as an au pair. It’s also a good idea to purchase travel insurance in case of any unexpected medical expenses.
14. Are mental/emotional issues and treatment covered by international health insurance for au pairs?
This depends on the specific policy and insurance provider. Some international health insurance plans may cover mental/emotional issues and treatment, while others may have specific exclusions or limitations. It is important for au pairs to carefully review the details of their insurance plan and consult with their insurance provider for more information on coverage for mental/emotional issues.
15. If I need medical treatment while traveling outside of Germany, will my international health insurance still cover me?
It depends on the specific terms and coverage of your insurance policy. Some international health insurance plans may cover you for emergency medical treatment while traveling outside of Germany, while others may not. It is important to review your policy and contact your insurance provider for clarification on your coverage while traveling abroad.
16. Can I cancel my international health insurance policy at any time if I decide to leave my role as an aupair?
This will depend on the specific terms and conditions of your policy. Some policies may allow for cancellation at any time, while others may have a minimum contract period or require a certain amount of notice before cancellation. It is important to review your policy carefully and contact your insurance provider for more information.
17. If I become pregnant while working as an aupair in Germany, will my international health insurance cover pregnancy-related expenses?
It depends on the terms and conditions of your specific international health insurance policy. Some policies may cover pregnancy-related expenses while others may not. It is important to check with your insurance provider beforehand to understand what is covered under your policy. If your policy does not cover pregnancy-related expenses, you may need to purchase additional coverage or consider switching to a different insurance plan that does provide coverage for pregnancy.
18. What happens if I have a medical emergency but do not have my documentation from the German government yet, including a residence permit and travel visa?
If you do not have your documentation from the German government yet, including a residence permit and travel visa, and experience a medical emergency, you should seek medical assistance immediately. You can inform the medical professionals of your situation and they will provide necessary treatment. It is also advisable to contact your embassy or consulate for assistance in obtaining the necessary documentation as soon as possible.
19. Are there any other types of insurances that are recommended or required for aupairs in Germany, such as liability insurance?
Yes, it is recommended for aupairs to have liability insurance in Germany. This type of insurance provides coverage in case the aupair causes damage or injury to someone else’s property or person. It can also provide coverage for legal fees and compensation if a claim is made against the aupair. Some host families may require their aupair to have liability insurance before accepting them into their home.
20. Can I extend my international health insurance policy if I choose to stay in Germany longer as an au pair?
Yes, it is possible to extend your international health insurance policy if you choose to stay in Germany longer as an au pair. However, you will need to contact your insurance provider to make the necessary arrangements and ensure that your policy remains active. Additionally, you may also be required to update your visa and work permit if they are expiring. It is important to plan ahead and inform all relevant authorities of any changes in your stay as an au pair.