Securing Care Visa Protect الصحي أحد أهم حلول التأمين المخصصة للحصول على تأشيرة شنغن، حيث يوفر تغطية طبية أساسية وموثوقة للأشخاص القادمين إلى ألمانيا ودول الاتحاد الأوروبي خلال فترات الإقامة القصيرة. يتميز هذا التأمين بكونه مناسبا للسياح والزوار ورحلات العمل القصيرة، مع إمكانية استخدامه لتأشيرة واحدة أو لعدة تأشيرات. سنتحدث في هذه المقالة بشكل مفصل عن هذا التأمين، ميزاته، وأسعاره، وخدماته الصحية.
What is Care Concept health insurance company?
Care Concept Health Insurance was founded over 25 years ago as a German company specializing in providing health insurance packages not only for residents in Germany, but also for travelers outside their home country, having evolved to become a leading brand in the field of international health insurance.
The company aims to make the costs of medical treatment abroad manageable and securely covered, while also providing flexible health insurance that suits short, medium, and long-term stays based on different travel purposes such as tourism, study, work, and others.
Health insurance from a Sharia perspective
In Islam, health insurance is one of the contemporary financial transactions concerning which scholars have differed in ruling. The fatwa depends on the insurance system and the nature of its framework. A large segment of scholars holds the view that insurance is permissible if it is cooperative insurance based on the principle of solidarity and shared risk-bearing without ambiguity (gharar) or usury (riba). Accordingly, they consider health insurance impermissible if it is purely commercial and relies on unfair profit or significant ambiguity.
It should be noted that all health insurances provided by Care Concept are commercial health insurances. Therefore, the explanation of these insurances in this article falls within the framework of cases where a person is forced to obtain health insurance for legal, administrative, or financial reasons, in accordance with the Islamic jurisprudence rule "necessities permit the prohibited." Therefore, if there is complete freedom of choice, a person can look for other alternatives. There are many alternatives such as cooperative or Takaful insurance systems or healthcare systems that comply with Sharia guidelines, depending on what is available in the country of residence.
Features of Care Concept health insurance
Care Concept offers a wide range of health insurance packages that meet the needs of various groups of people coming to Germany or traveling abroad. The insurance packages include special offers for German language students, as well as bachelor's, master's, and doctoral students. Trainees in vocational training programs (Ausbildung) and healthcare professionals such as doctors, pharmacists, and nurses can also obtain suitable insurance with Care Concept. In addition, Care Concept packages serve job seekers via the Opportunity Card (Chancenkarte), as well as tourists, visitors, business people, and freelancers.
Care Concept is distinguished by the diversity of its health insurance programs in terms of the duration of stay, as it provides suitable insurance packages for short visits such as Schengen visas. In addition, it offers other packages dedicated to long stays such as study and work, like the 16d visa for healthcare professionals. At the same time, the company offers multiple price options and varying ranges of health coverage. Therefore, each person can choose the insurance that suits them according to their needs and budget. All procedures for subscribing to health insurance packages are done online through quick and easy steps.
Public and private health insurance system in Germany
Health insurance is mandatory for everyone residing in Germany. Therefore, German embassies require a health insurance document either during the visa interview or when the visa is printed in the passport. This requirement aims to ensure that residents on German territory receive the necessary medical care.
The health insurance system in Germany is based on two main types: public insurance and private insurance. Most employees and university students are required by law to have public health insurance. In contrast, private health insurance provides alternative solutions for specific groups. The target groups include the unemployed, international students, visitors, and freelancers, depending on residency conditions and legal status.
Care Concept health insurance falls under the category of private health insurance. The company offers various solutions for students, travelers, expatriates, and people residing temporarily in Germany or abroad. Despite the diversity of Care Concept's private health insurance packages, they are not a permanent substitute for statutory health insurance. A person becomes obligated to switch to statutory health insurance when starting employment or when enrolling in a study program that requires it. Therefore, choosing the appropriate insurance depends on the purpose of stay and the academic or professional status within Germany.
[How to register for this insurance is explained in the article: BARMER public health insurance in Germany].
When should one switch from private to public health insurance in Germany?
In the case of employment, whether part-time or full-time, or university enrollment for bachelor's and master's students, the person must switch to government insurance.
There are two situations in which one must switch from private insurance to government insurance:
University and master's students
The first case concerns students affiliated with the university, such as bachelor's and master's students. It is well known that private insurance provides health coverage during the German language study phase before starting university. In other words, it allows one to continue with this insurance as long as the person is not officially enrolled in the university. Accordingly, the person becomes obligated to switch from private insurance to public health insurance when starting university studies in Germany.
Care Concept offers this procedure in a simple and fast manner. First, the person chooses to register for private health insurance such as Care College. Afterwards, the insurance company registers the person in the public health insurance from their home country. This is done without the need for an address within Germany, so that this public insurance begins upon entering the university. After applying, the person receives an electronic insurance certificate via email, which they use when applying for the visa at the German embassy. The insurance company then communicates electronically with the university via the M10 system in order to confirm the registration in the public health insurance when the student starts entering the university.
Exemption from government student insurance through Care Student insurance
It is not always necessary for a student in Germany to switch from private insurance to public insurance. For example, Care Student insurance allows many students to remain with private insurance and obtain an exemption from public health insurance (Befreiung). This option helps reduce a portion of monthly costs, as Care Student insurance is less expensive than public insurance, making it a suitable and economical choice for international students.
For more details, you can read the article Care Student: The alternative to public health insurance for students in Germany to learn about its benefits, how to register for it, and the target groups
Employees and trainees
Regarding the second case, it is related to work and trainees in Ausbildung programs. The person can continue with private insurance until starting a part-time (Teilzeit) or full-time (Vollzeit) job in Germany. After starting the part-time or full-time job, the person must switch to public health insurance (Gesetzliche Krankenversicherung).
In contrast, this condition does not apply to work Mini-job. Because this type of work does not require switching to public health insurance. Therefore, a person working a Mini-job can continue with private insurance, such as Insurance Care College or Care Student Without the need to change the insurance.
It is important that a person is not registered in the government health insurance by their employer, because the employer often chooses the cheapest option in order to reduce the costs of which they bear a part within the insurance system. Therefore, it is preferable for a person to register for government health insurance themselves directly online.
When can I switch insurance? Governmental To private insurance in Germany?
Transition from insurance Governmental My students
The age factor is important for registration and transfer in government student insurance:
- If you are under 29 years old, you can get government student health insurance through one of the approved companies mentioned earlier.
- If you are over 29 years old, you cannot register for the special government student health insurance. You therefore need to switch to Care Student Insurance.
Transition from insurance Governmental Work-related
A person can, after or before the end of their employment depending on their insurance status, notify the government health insurance company of their wish to terminate their membership. This usually requires providing proof of alternative health insurance, such as private health insurance provided by Care Concept As explained in the previous paragraph, after reviewing the documents and meeting the required conditions, the government insurance is officially terminated and transitioned to private health insurance.
What is Private health insurance in Germany؟
The private health insurance system in Germany includesPrivate Health Insurance – PKVmany specialized companies. These companies offer different packages in terms of coverage, subscriptions, and additional services provided to the insured.
Private health insurance in Germany differs from government health insurance, as it allows individuals to choose the level of coverage based on their needs and legal status. Therefore, it is an important option for newcomers during transitional periods before starting their studies or work.
Private health insurance companies offer plans for multiple categories such as students, doctors, pharmacists, Schengen visa holders, and vocational training programs. The use of this insurance continues until the conditions for transitioning to government health insurance are met.
Therefore, private health insurance can be considered a temporary solution or a suitable alternative for specific groups in Germany during certain periods, such as international students before starting their studies, visitors, freelancers, and individuals who are not currently subject to public health insurance, depending on the residency conditions and legal status of each person.
Private Health Insurance Companies in Germany
One of the most famous private health insurance companies (Private Health Insurance – PKV) In Germany:
- Debeka
- HanseMerkur
- Allianz Private Health Insurance
- Care Concept
These companies offer various insurance solutions that differ according to the individual's needs and situation within Germany. These plans include different categories such as students, travelers, expatriates, and people staying in Germany for temporary periods, in addition to people who need private health insurance outside the public insurance system.
Regarding insurance Care Concept, dedicated a series to it Dr. Concept Within the private health insurance section, where I explain the most important packages offered by the company, the subscription conditions, the appropriate categories for each plan, and the step-by-step registration method.
Check out all the types of health insurance offered by Care Concept through an article. The comprehensive guide to Care Concept health insurance].
What isGovernment health insurance in Germany؟
It is important to note that the registration process for public health insurance in Germany (GKV) can be started before arriving in Germany. This is particularly important for international and master's students who know the start date of their semester. They can obtain proof of health insurance and submit it to the German embassy as part of the visa application procedure.
As for the period preceding the start of the semester, the student usually needs health insurance that covers the time before actual studies begin. During this phase, temporary private health insurance can be utilized, such as the packages offered by Care Concept, which were explained in the previous paragraph. The company provides various plans suitable for multiple categories such as doctors, pharmacists, university students, and other expatriates depending on the type of residency. After university studies begin and the required conditions are met, the student can switch to one of the public health insurance companies, which we will discuss in detail in the following sections.
As for those coming for the purpose of work, such as doctors and pharmacists, and those arriving under the Opportunity Card visa (Opportunity Card) or vocational training programs (Training), they may initially need suitable private health insurance for the entry and initial stay period in Germany, as explained in the previous paragraph.
This insurance continues during the transition phase until employment subject to compulsory health insurance begins, whether it is part-time or full-time. When the conditions for government health insurance are met, it is possible to switch to one of the government health insurance companies, the most prominent of which will be explained and their services compared in the following sections.
Public health insurance companies in Germany: Which provider is the best?
The German statutory health insurance system (Gesetzliche Krankenversicherung – GKV) is managed through numerous approved insurance companies. Among the most famous of these companies are AOK, BARMER, DAK-Gesundheit, TK, and KKH. All of these companies provide the same basic health coverage in accordance with German laws. However, they differ in some additional services such as digital services, bonus programs, health offers, and the level of customer service. Therefore, choosing the appropriate insurance company depends on an individual's needs and preferred communication method.
BARMER Public Health Insurance in Germany: My Personal Experience and Why I Recommend It
This is the public health insurance that I recommend for several reasons, and it is also the insurance that I personally use in Germany, so my talking about it is based on practical experience in dealing with the company.
Regarding BARMERwhat truly sets it apart is the level of customer service and the ease of dealing with the company. This is particularly important for newcomers to Germany, where one might initially need help with certain procedures. These procedures include updating insurance data, changing the membership start date, or understanding the steps required to access health services.
Based on my experience dealing with the company, I can help you follow up on these procedures and facilitate communication with them, either by connecting you with Mr. Lennart Müller, who is responsible for following up on cases, or by communicating with me directly to help you complete the required steps.
BARMER is a suitable choice for people starting their lives in Germany, especially international students, master's students, and new employees. The company provides digital services that help members easily manage their insurance, such as tracking membership information, accessing documents, and utilizing available electronic services.
This feature is particularly important for newcomers, as registration for public health insurance can take place before arriving in Germany, such as for university and master's students who need proof of insurance as part of the visa process. Therefore, digital services help track applications, access documents, and communicate with the company before studies or work begin. Moreover, easy communication with BARMER makes dealing with administrative procedures and understanding the German health insurance system much easier.
How to register for this insurance is explained in the article: Public BARMER health insurance in Germany].
التسجيل في تأمين Care Visa Protect
Securing Care Visa Protect One of the health insurances provided by Care Concept Company. We have previously discussed the health insurance provided by this company in detail in an article. The comprehensive guide to Care Concept health insurance. هذا التأمين يغطي الشخص صحيا أثناء السفر، تشمل تلك التغطية وجوده في الطائرة وحتى الوصول إلى الأراضي الألمانية، بذلك يوفر هذا التأمين حماية صحية خلال رحلة السفر نفسها وليس فقط بعد الوصول.
يشمل هذا التأمين أي شخص قادم من الخارج إلى ألمانيا أو إلى أي دولة من دول الاتحاد الأوروبي (دول شنغن). يستخدم بالدرجة الأولى من أجل الحصول على تأشيرة شنغن. يمكن الاشتراك في هذا التأمين لتأشيرة واحدة أو لعدة تأشيرات، حيث يقدم هذا التأمين تغطية صحية سنوية بإجمالي مدة لا تتجاوز 92 يوما خلال السنة. يمكن الحصول على هذا التأمين لمدة تصل إلى 92 يوما وللأشخاص حتى سن 74 عاما. بذلك فإن هذا التأمين موجه للفئات التالية:
- السياح الأجانب.
- الزوار.
- رحلات العمل القصيرة.
بالنسبة للأطباء والصيادلة والطلاب الذين لديهم مقابلة في سفارة أربيل، فإن هذا التأمين يُعد مطلوبا ضمن المستندات. ويجب تقديمه حتى في حال امتلاك الشخص تأمينا خاصا آخر. لأن السفارة تعتمد هذا النوع من التأمين كشرط أساسي للملف. لذلك يجب التأكد من إصدار التأمين قبل موعد المقابلة.
يقدم هذا التأمين خدمات طبية شاملة تبدأ من 0,85 يورو يوميا. يغطي التأمين العلاج داخل المستشفى في غرفة متعددة الأسرّة دون خدمات اختيارية. يشمل أيضا نقل المرضى وتوفر العلاج الخارجي مثل زيارات الطبيب والأدوية والمستلزمات الطبية الموصوفة طبيا. يغطي أيضا الأجهزة الطبية الناتجة عن الحوادث.
كما يشمل هذا التأمين علاج الأسنان الطارئ لتخفيف الألم وإصلاح أطقم الأسنان الموجودة. إضافة إلى ذلك تغطية الإعادة الطبية إلى بلد الإقامة، مع فترة حماية لاحقة لمدة شهر.
You can view جدول يبين خدمات التغطية الصحية لهذا التأمين.
The difference between Care Visa Protect insurance andCare Economy
- Insurance differs Care Economy About Care Visa Protect من ناحية المدة. كما أسلفنا، فإن المدة القصوى لهذا التأمين هي 92 يوما، بينما Care Economy It may reach up to two years, as it suits other visa categories such as job seeking.
- يوفر Care Economy تغطية صحية أوسع مقارنة بتأمين Visa Protect.
[للمزيد من التفاصيل حول تأمين Care Economy، يمكنكم Read the article for this insurance]
تعبئة استمارة التسجيل في تأمين Care Visa Protect
سيكون هناك فيديو يشرح هذا التأمين.
في البداية من المهم تعبئة البيانات الشخصية في هذه الاستمارة، لأتمكن من متابعة ملفاتكم داخل منصة Care Concept وتصبح عملية فتح الحساب أسرع وأسهل وأقدم الدعم اللازم في حال ظهور مشاكل بالحساب على واتساب.
يرجى الدخول إلى رابط نموذج التسجيل بهذا التأمين، حيث توجد العديد من مواقع الاحتيال، لذلك قد يكون من الخطير رفع معلومات شخصية حساسة عليها، خصوصا عندما يتعلق الأمر بالبيانات المالية.
إرشادات التأمين الصحية والسؤال عن التأمين الصحي السابق
When scrolling down, the following interface will appear, which includes the general terms and conditions for health insurance. This section explains that after filling out and submitting the electronic form, you will receive an email containing the insurance certificate (Versicherungsschein). This certificate is used in the German embassy interview to obtain the visa, as well as at the Foreigners' Office after arriving in Germany in order to obtain the residence permit.
It is important initially to distinguish between the Insured Person (IP) and the Policyholder / Contract Holder, as the former refers to the person who will directly receive health coverage, while the Policyholder / Contract Holder refers to the person who will enter into the insurance contract, manage it, and pay the premiums. This distinction helps in accurately understanding the data required in the form and correctly defining the responsibilities of each party.
في هذا القسم يجب تحديد ما إذا كانت الوثيقة مخصصة لفيزا متعددة الدخول لمدة سنة. ويجب أيضا توضيح ما إذا كان التأمين مرتبطا بطلب الحصول على الفيزا.
Filling in the policyholder's details
This section includes identifying information specific to the policyholder. Personal data such as first name, last name, and date of birth are entered. The form also features an important question to verify whether the policyholder is the same as the insured person, as this distinction helps in organizing the insurance data correctly.
Add Policyholder Address
This section includes entering the policyholder's address. This includes the “c/o” field in case the policyholder's name is not on their PO Box. In this case, the name of the recipient on their behalf is entered in the first field. Address details such as street name, building number, postal code, city, and country are also entered. It is not very important to enter this data correctly, as all correspondence will be via email.
Filling in the insured person's data
This section involves entering the personal data of the insured person (Insured Person), where the first name and last name are recorded, in addition to the date of birth. It is also required to select the nationality from the available list (Nationality) to complete the basic identity data. This information helps to accurately identify the person covered by the insurance.
مدة وتاريخ بدء تأمين Care Visa Protect
يتم في هذه المرحلة تحديد تاريخ بدء التغطية التأمينية وتاريخ انتهائها. بناءً على هذه التواريخ يتم احتساب مدة التأمين بشكل تلقائي، حيث تبلغ المدة القصوى لهذا التأمين سنة واحدة. يجب التأكد من إدخال التواريخ بشكل صحيح لضمان سريان التغطية في الوقت المطلوب.
إذا لم يتم تحديد موعد معين لبدء التأمين أو لم تكن هناك كورسات لغة، يمكن اختيار تاريخ بدء التأمين بحرية. أما في حال وجود كورسات لغة، فيجب اختيار تاريخ بدء التأمين قبلها بأسبوعين.
أسعار تأمين Care Visa Protect
فيما يلي أسعار هذا التأمين للقسط اليومي والقسط السنوي حسب الفئة العمرية.
| القسط اليومي | حتى 64 سنة | من 65 إلى 74 سنة |
|---|---|---|
| السعر / يوم | 0,85 € | 2,60 € |
| القسط السنوي | حتى 64 سنة | من 65 إلى 74 سنة |
|---|---|---|
| السعر / سنة | 110,00 € | 215,00 € |
Add previous residency information and destination country
هنا يتم إدخال بلد الإقامة السابق والدولة التي سيتم السفر إليها. بعد ذلك يتم إدخال تاريخ الدخول، ويتم اختياره بنفس يوم تاريخ بدء التأمين.
بعدها يتم تحديد سبب السفر إلى الخارج. يُعد هذا السؤال غير مهم ولا يؤثر على الملف المطلوب تقديمه في مقابلة السفارة الألمانية. يمكن اختيار سبب عام مثل السياحة (Tourism) أو الزيارة (Visit).
إضافة التأمين ضد المسؤولية والحوادث ضمن خطة تأمين Care Visa Protect
This section includes information regarding personal liability insurance and accident insurance.
Liability insurance provides financial coverage in the event of causing unintentional damage to other people or their property, while accident insurance covers situations resulting from personal injuries that may occur during the stay.
These insurances fall under three main plans: S, M, and XL, which differ in the level of coverage and services provided.
These types of insurance are extremely affordable, so you can subscribe to them without bearing significant financial burdens, while gaining additional protection that enhances security during your stay.
طرق دفع قسط تأمين Care Visa Protect
في هذا القسم يتم اختيار طريقة دفع قسط التأمين. جميع طرق الدفع تكون دفعة واحدة وليست أقساط شهرية. يمكن الدفع عبر الحساب البنكي أو بطاقة Visa/Mastercard. كما يتوفر خيار الدفع عبر PayPal.
بالنسبة لوقت التحويل، يجب إتمام عملية الدفع قبل بدء سريان التأمين لضمان تفعيل التغطية في الوقت المحدد. ومع ذلك، يمكن تأجيل الدفع إلى ما بعد الحصول على الفيزا إذا لم تطلب السفارة إثبات الدفع ضمن المستندات. في حال كان هذا التأمين مطلوبا لدى السفارة الألمانية في بيروت، فيجب اختيار طريقة الدفع عبر بطاقة Visa/Mastercard أو عبر PayPal. بعد ذلك يتم إتمام عملية الدفع بشكل كامل للحصول على إثبات الدفع لإرفاقه مع ملف مقابلة السفارة. سيتم شرح هذه التفاصيل في فقرة لاحقة.
Direct Debit
يُشترط عند استخدام الخصم المباشر أن يكون الحساب البنكي ضمن منطقة SEPA أي داخل الاتحاد الأوروبي، حيث لا يمكن تنفيذ عمليات السحب المباشر من خارج هذه المنطقة.
If Direct Debit is selected, the bank account holder's information is entered. If the account holder is the same as the policyholder, the data entry fields appear directly, including the IBAN, BIC, bank name, and the account holder's name as registered with the bank.
However, if the bank account holder is another person, an additional question will appear that must be agreed to, which is confirming that the person is authorized by the account holder to submit and complete SEPA direct debit transactions. In this case, “Yes” must be selected exclusively. The bank account holder's details are then entered, including the IBAN, BIC, bank name, and account holder's name.
Health insurance premium calculation, payment method, and monthly costs
This section includes the health insurance premium calculation, where the premium amount is clearly displayed either as a one-off payment or on a monthly basis, depending on the contract duration. It also shows the total payment amount associated with the selected plan.
Care Concept also notes that the insurance premium may increase starting from the 24th month to a higher monthly amount, especially in contracts with a duration exceeding 24 months, in addition to the premium increase upon turning 30 years of age. These details are not limited to Care Concept alone, but also apply to most other health insurance companies, as the insurance premium is directly linked to two main factors: age and contract duration. The premium typically increases as the insured person gets older, and it may also change when exceeding long contract periods such as 24 months or more.
Add contact information
This section includes contact information in case the company needs to reach out. The email address of the contract holder or the insured person is the most critical element, as it is the primary method through which all insurance documents are sent. As for the phone number, it is unnecessary, but it is requested as additional data only.
A question is asked about how the user learned about Care Concept insurance, which is a statistical question that only concerns the company and does not affect the insurance plan. In the last field, a secondary email address must be added to which the insurance documents will be sent in case of a delivery issue with the primary email. This email can belong to someone other than the policyholder or the insured person.
Referrer ID field
This field does not appear if the form is accessed directly via the official link above. However, if accessed from another link, this field will appear automatically. In this case, you can enter the numbers 9016910093 to get a free consultation from me if you encounter any problems.
إقرار الموافقة على شروط تأمين Care Visa Protect
Upon clicking the designated field, it is confirmed that the user has read, understood, and agreed to the terms and conditions. This includes the acknowledgment that all provided information is accurate and complete. Finally, the button is clicked Continue At the bottom of the page to proceed to the next step.
Reviewing the data and submitting the health insurance application online
بعد الانتهاء من إدخال جميع البيانات، يتم طلب مراجعة المعلومات بعناية للتأكد من عدم وجود أي أخطاء في الإدخال.
بعد ذلك يختلف الإجراء حسب طريقة الدفع المختارة. في حال اختيار الخصم المباشر (SEPA)، يظهر خيار Antrag absenden ويتم الضغط عليه لإرسال الطلب. بعد ذلك يتم خصم المبلغ لاحقا من الحساب البنكي بشكل تلقائي. أما في حال اختيار بطاقة Visa/Mastercard أو PayPal، فيظهر خيار Send Application and Make Payment. عند الضغط عليه يتم إرسال الطلب وإلزام المستخدم بإتمام عملية الدفع مباشرة.
بمجرد إرسال النموذج، يتم إبرام عقد تأمين ملزم قانونياً مع شركة Care Concept. في حال احتاج المستخدم إلى تعديل أي بيانات قبل الإرسال، يمكنه الضغط على خيار “Correct data”.
Immediately after submitting, an email containing the order confirmation is sent. Within a few minutes, all insurance documents are sent via email.
After completing the application process, a form to evaluate the user experience with Care Concept may be displayed. This form can be easily ignored by clicking the cancel mark at the top.
تأكيد استلام الطلب والحصول على رقم بوليصة تأمين Care Visa Protect
After submitting the insurance request, a confirmation message appears stating that the company has successfully received the data, as shown in the image. The user is also informed that they will receive an email containing the request details. Once the insurance request is approved, the official insurance policy and its terms will be sent in PDF format via email.
It is important to scroll down the page to get the insurance policy number. After submitting the request, an official confirmation message appears stating that the company has successfully received the insurance request, mentioning the policy number and the request date as shown in the second image.
It is extremely important to keep the insurance policy number shown in the image, as it will be used later for all correspondence and follow-ups with the insurance company.
Emails after submitting the health insurance application
After submitting the insurance application, several emails are received from Care Concept. Most of these emails are procedural and unimportant, with the exception of two essential emails that will be explained in detail in the following two paragraphs.
Customer Portal Login Message
The first important message is the one indicated in the picture, which is a confirmation message of the approval of the insurance request and the completion of the contract with Care Concept. The message explains that the insurance policy (Versicherungsschein) has been issued and will be available by registering on the electronic customer portal (My Customer Portal).
Therefore, the next step will be to register in the My Customer Portal, in order to link the health insurance to the user's personal account. Through this portal, all insurance policies can be accessed, managed, and easily downloaded at any time. All steps for creating an account and logging in to the customer portal have been explained. Care Concept In detail in an article Registering in the Care Concept Customer Portal to manage health insurance policies.
رسالة وثيقة تأمين Care Visa Protect
The second important message is the one that clarifies the value of the installment required to be transferred or deducted, in addition to mentioning the bank account for the transfer.
As shown in the image, the insurance policy that can be downloaded from the bottom of the page is indicated, which is the required document to be submitted to the German Embassy. Regarding To the Beirut Embassy, it also requests the submission of Proof of payment, which will be explained in detail in a subsequent paragraph.
This is a sample of the insurance policy. Care Visa Protect، وهي الوثيقة التي يتم تقديمها إلى السفارة الألمانية.
الحصول على إثبات دفع قسط تأمين Care Visa Protect
After adding the insurance policy to our account in the Care Concept customer portal, we return to the main page, where the new insurance contract appears under the list of contracts. After that, we click on the option „Contract details“ To view the insurance policy details.
This page then appears containing all the insurance data in detail. Based on the options chosen during insurance registration, the required payment amount is determined. As shown in the section „Payment information“ The amount due is 80 euros, and it is paid by Bank transfer.
The transfer must be made before the insurance takes effect to ensure coverage is activated on time. However, payment can be postponed until after obtaining the visa as explained previously, provided that the embassy does not require proof of payment among the documents. As for the case where The Embassy of Beirut, must be obtained Proof of payment Before the interview appointment.
The amount is transferred to the following account:
HypoVereinsbank AG, HYVEDEMM300
IBAN: DE23200300000000111161
It is very important to enter Reason for transfer (Verwendungszweck) correctly, which is the insurance policy number. In our case, it is: CC269074524, which was obtained directly After completing the form.
After paying the amount, we receive a payment confirmation email a few days later. We then log into our account on the customer portal to download the payment proof file. Contribution statement.
After logging in, we click on the section My contracts Inside the account. At the bottom we find an option Proof of payment or Beitragsnachweis. We select the German language from the dedicated field Beitragsnachweis 2026 auf deutsch. Then we click on Download contribution proof To download the document.
Below is a sample document Contribution statement. This file details the receipt of insurance installments for the period specified in the contract. The total insurance premium is 300.00 euros, which varies from one insurance to another, and the amount also varies depending on the payment method, whether it is einmalig (lump sum) or monatlich (monthly), as we discussed previously.
Conclusion
In conclusion, securing Care Visa Protect الصحي خيارا مناسبا للراغبين في السفر إلى دول منطقة شنغن لفترات قصيرة، حيث يجمع بين التكلفة المنخفضة والتغطية الطبية الأساسية المطلوبة للحصول على التأشيرة. سواء كنت سائحا أو زائرا أو في رحلة عمل قصيرة، فإن هذا التأمين يوفر لك الحماية الطبية الضرورية أثناء إقامتك، مع إمكانية مقارنة خططه مع تأمينات أخرى مثل Care Economy لاختيار الأنسب حسب مدة السفر والحاجة الصحية.
