The company is Care Concept One of the leading health insurance companies both inside and outside Germany. The company offers diverse and flexible insurance packages that cover various ages and health needs. Care Concept's role is not limited to doctors or university students, but also includes language, master's, and Ph.D. students. The company also offers its services to trainees in vocational training programs (Ausbildung), as well as tourists and expatriates for varying lengths of stay. All of this makes Care Concept suitable for diverse travel purposes including study, work, tourism, and others.

This article can be considered a comprehensive guide to all types of Care Concept health insurance, so that it can be referred to at any time to choose the appropriate health insurance easily and quickly.

If you have any question about these insurances or need help choosing the right option for your case, you can get Paid consultation via WhatsApp.

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].

Types of health insurance at Care Concept

سنشرح في هذا الدليل الشامل كل نوع من التأمينات بشكل مفصل. كما سنخصص فيديو مستقلا لشرح الشروط والمزايا والأسعار والفئات المناسبة لكل تأمين.

Care College Insurance

يُعد تأمين Care College من Care Concept خيارا صحيا معترفا به من السفارات الألمانية، ويمكن إبرامه قبل السفر أو بعد الوصول إلى ألمانيا. بالإضافة إلى ذلك، يغطي الإقامة حتى خمس سنوات، ويُتاح حتى سن 40 عاما. يستهدف هذا التأمين فئات تعليمية متعددة نذكر أهمها:

• Doctors and pharmacists.
• طلاب الجامعة.
• Visiting students Gastschüler.
• Students coming to Germany for a foundation course are Studienkollegiaten.
• Sixth-year human medicine clinical internship visa students.

لا يشمل هذا التأمين فيزا المرافق مثل الزوجة والأطفال والأشخاص المسافرين إلى ألمانيا ضمن فيزا البحث عن عمل (Chancenkarte)، حيث يتعين عليهم اختيار تأمين صحي مختلف وهو Care Economy.

يشمل التأمين الإقامة في ألمانيا ودول الاتحاد الأوروبي ومنطقة شنغن، مع استثناء النمسا، والولايات المتحدة، وكندا، والمكسيك. لذلك، يحتاج المسافرون إلى باقات مخصصة مثل Care College USA أو Care Austria حسب الوجهة.

تتوفر ثلاث باقات رئيسية، أولا Basic بسعر يبدأ من 27.5 يورو، وتغطي الأساسيات فقط. ثانيا Comfort بسعر يبدأ من 34 يورو، وتوفر مزايا إضافية وتعويضات أعلى. ثالثا Premium بسعر يبدأ من 48 يورو، وتقدم أعلى مستوى من التغطية مع مزايا موسعة وتعويضات أكبر.

Learn about the Care College health insurance in detail, including how to register, benefits, and prices of the various packages, through the following article: Care College health insurance – certified and economical insurance for the German visa].

Insurance Dear Student

يقدم تأمين Care Student تغطية صحية معترف بها لدى السفارات الألمانية. يسمح بالاشتراك في هذا التأمين حتى عمر 39 سنة، ولفترة إقامة تصل إلى خمس سنوات. وهو يغطي نفس الفئات التي يغطيها تأمين Care College وهي:

• Sixth-year human medicine clinical internship visa students.
• Doctors and pharmacists.
• Undergraduate, master's, and doctoral students.
• Visiting students Gastschüler.
• Students coming to Germany for a Studienkolleg foundation year.

كما هو الحال أيضا بالنسبة لتأمين Care College فلا يشمل هذا التأمين أيضا فيزا المرافق مثل الزوجة والأطفال والأشخاص المسافرين إلى ألمانيا ضمن فيزا البحث عن عمل (Chancenkarte)، حيث يتعين عليهم اختيار تأمين صحي مختلف وهو Care Economy.

ما يميز هذا التأمين عن Care College أنه يمكن التسجيل فيه بعد بدء الجامعة كبديل عن التأمين الحكومي الطلابي عبر تقديم طلب إعفاء Befreiung. بالمقارنة مع التأمين الحكومي يمكن استخدامه سواء قبل السفر أو بعد الوصول إلى ألمانيا، سواء قبل التسجيل في الجامعة أو بعده، وهو خيار اقتصادي أكثر من التأمين الحكومي. يحصل المشترك في هذا التأمين على شهادة تسجيل إلكترونية تُقدَّم في مقابلة السفارة الألمانية.

من حيث المزايا يوفر تأمين Dear Student تغطية شاملة تشمل العيادات الخارجية وأطباء الأسنان والمستشفيات. كذلك يشمل العلاج النفسي حتى 50 جلسة سنويا إضافة إلى العلاج الطبيعي وإعادة التأهيل. كما يمنح أولوية في المواعيد الطبية، مع تعويضات المستشفى بعد اليوم 15 من الإقامة.

أما من ناحية السعر فيبدأ سعر هذا التأمين من 69.62 يورو شهريا حتى عمر 29 سنة. ويصل إلى 95.68 يورو شهريا حتى عمر 39 سنة.

[للمزيد من التفاصيل حول تأمين Care Student الصحي، وطريقة التسجيل ومزايا التأمين اطّلع على المقالة التالية: Care Student – بديل التأمين الحكومي للطلاب في ألمانيا].

Public health insurance DAK-Gesundheit

Care Economy Insurance

يقدم تأمين Care Economy تغطية صحية للقادمين إلى ألمانيا أو دول الاتحاد الأوروبي ومنطقة شنغن. يمكن الاشتراك به لمدة تصل إلى سنتين حتى سن 74 عاما. إن هذا التأمين موجه للحالات التالية:

• Foreign tourists and visitors arriving on a Schengen Visa.
• Family members (wife and children) within the age group of 12 to 74 years are included in the dependent visa. In certain cases, the embassy may not approve this insurance for the dependent, which requires switching to Care Expatriate Insurance المشروح في الفقرة التالية.
• Those arriving on the Chancenkarte job search visa.
• care workers who are not forced to enter the government insurance system.

For more details about this insurance, including the registration method, various insurance benefits, and the health services it provides, you can read the following dedicated article: Care Economy insurance for the dependent visa and job seeker visa (Chancenkarte) in Germany and Schengen countries].

Care Expatriate Insurance

يُعد تأمين Care Expatriate تأمينا صحيا للإقامة الطويلة في ألمانيا أو خارجها داخل دولة محددة دون تنقل مستمر. يمكن الاشتراك في هذا التأمين لمدة تتراوح بين 3 أشهر و5 سنوات وحتى سن 74 عاما.

This insurance is a health insurance specifically designed for long-term stays inside Germany or abroad in a specific country without continuous travel. It provides health coverage for persons who are not obligated to enroll in the public health insurance in the country of residence. The cases in which a person must enroll have been discussed. DAK-Gesundheit government insurance article. Therefore, this insurance is suitable for:

• People arriving under the family reunification framework.
• Expatriates on dependent visas (wife – children) for whom the Care Economy insurance is not suitable.
• Freelancers and entrepreneurs.
• The seconded employees.

This health insurance can be taken out for a period of between three months and five years. The maximum age for enrollment is 74 years. In addition, Germans or Austrians living abroad can apply to renew the insurance several times until they reach the age of 74.

يتضمن تأمين Care Expatriate ثلاث باقات رئيسية هي Basic و Comfort و Premium. تختلف الباقات في السعر ومستوى التغطية الصحية، مع اشتراكها في توفير الرعاية الطبية الأساسية داخل المستشفى والنقل الطبي.

For more details about Care Expatriate insurance, including registration methods, package prices, benefits, and health coverage areas for each, you can read the following dedicated article: Care Expatriate Insurance – International insurance for dependent visas, family reunification, and business people].

Insurance Care Visa Protect

يشمل تأمين Care Visa Protect القادمين إلى ألمانيا ودول الاتحاد الأوروبي ومنطقة شنغن. يغطي فترة تصل إلى 92 يوما سنويا حتى سن 74 عاما. يمكن استخدام هذا التأمين للحصول على تأشيرة شنغن واحدة أو متعددة. 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.

Insurance differs Care Economy About Care Visa Protect من ناحية المدة. كما أسلفنا فإن المدة القصوى لتأمين Care Visa Protect هي 92 يوم. بينما Care Economy قد يصل إلى سنتين فهو يناسب فئات أخرى من التأشيرات مثل البحث عن عمل. بطبيعة الحال يوفر Care Economy تغطية صحية أوسع مقارنة بتأمين Care Visa Protect.

[للمزيد من التفاصيل حول هذا التأمين، بما في ذلك كيفية التسجيل ومزايا التأمين المختلفة وتفاصيل التغطية الصحية التي يوفرها، يمكنك قراءة المقالة المخصصة التالية: تأمين Care Visa Protect لفيزا شنغن – دليل شامل للسفر إلى أوروبا].

Care Travel Insurance

يقدم تأمين Care Travel تغطية صحية خاصة للإقامات الطويلة خارج ألمانيا. يُسمح باستخدامه داخل ألمانيا لمدة تصل إلى 30 يوما فقط، فهو لا يعتبر جزءا من النظام الصحي الألماني.

يستهدف هذا التأمين الأشخاص الذين يسافرون خارج ألمانيا لفترة ممتدة لأغراض سياحية أو مهنية. يشترط للتسجيل في هذا التأمين وجود عنوان إقامة في ألمانيا عند المغادرة.

من ناحية التغطية يمكن الاشتراك في هذا التأمين لمدة تصل إلى 18 شهرا. يسمح تأمين Care Travel بتغيير الدول بمرونة عالية دون تكاليف إضافية. علاوة على ذلك يمكن إضافة أو استثناء الولايات المتحدة من التغطية حسب الحاجة.

يغطي هذا التأمين العلاج في المستشفيات والعيادات الخارجية والنقل الطبي. كما يغطي الأدوية والأسنان الأساسية والحمل والولادة وخدمة طوارئ 24 ساعة دون تحمّل ذاتي.

[للمزيد من التفاصيل حول تأمين Care Travel، بما في ذلك طريقة التسجيل ومزايا التأمين وأسعاره حسب الفئة العمرية، يمكنك قراءة المقالة المخصصة: تأمين Care Travel الصحي: الحل الأمثل للإقامات الطويلة خارج ألمانيا].

Care Global Insurance

يقدم تأمين Care Global تغطية صحية خاصة خارج ألمانيا والنمسا للإقامات القصيرة والمتوسطة لمدة تصل إلى سنة واحدة.

يناسب هذا التأمين السفر بغرض السياحة والعمل كما هو الحال بالنسبة لتأمين Care Travel. ما يميز به تأمين Care Global عن تأمين Care Travel هو مدة الإقامة في الخارج. تأمين Care Global يناسب الأشخاص الذين يبحثون عن تأمين سفر اقتصادي ومرن ولفترات قصيرة لا تتجاوز سنة. بينما يخدم Care Travel الرحلات الطويلة خارج ألمانيا حتى سنة ونصف. يبقى بطبيعة الحال تأمين Care Travel خيار يقدم تغطية صحية أكثر شمولا من Care Global.

يتضمن تأمين Care Global باقتان رئيسيتان هما Basic و Comfort. تختلف هاتان الباقتان في السعر ومستوى التغطية الصحية والمزايا الإضافية.

[للمزيد من التفاصيل حول تأمين Care Global، بما في ذلك طريقة التسجيل ومزايا التأمين وأسعار باقاته حسب الفئة العمرية، يمكنك قراءة المقالة المخصصة التالية: Insurance Care Global الصحي – أفضل خيار للإقامات القصيرة والمتوسطة خارج ألمانيا].

Care Expat World Insurance

يقدم تأمين Care Expat World تغطية صحية دولية طويلة الأمد للإقامات غير محددة المدة في الخارج. بناء على ذلك، فإن هذا التأمين يُعد مناسبا للمغتربين والرحالة الرقميين. يمكن الاشتراك في هذا التأمين حتى سن 65 عاما.

يختلف هذا التأمين عن Care Global وCare Travel من حيث الاستخدام. يركز Care Expat World على الإقامة الطويلة أو شبه الدائمة بدل الإقامة المؤقتة، وبالتالي يوفر هذا التأمين تغطية صحية أقرب لتأمين الإقامة المستمرة.

يتضمن تأمين Care Expat World ثلاث باقات رئيسية هي Basic و Comfort و Premium. تختلف هذه الباقات في السعر ومستوى التغطية الصحية، وتشترك جميعها في تغطية العلاج الأساسي والطوارئ داخل المستشفى وخارجه.

[للمزيد من التفاصيل حول هذا التأمين، بما في ذلك طريقة التسجيل وأسعار باقاته ومزاياها، يمكنك قراءة المقالة المخصصة التالية: Care Expat World Health Insurance – The Best Choice for Permanent Residency Outside Germany].

Insurance Care Travel PLUS

يعد تأمين Care Travel PLUS تأمينا صحيا للإقامة الطويلة خارج ألمانيا مع تنقل مستمر بين الدول. يمكن الحصول عليه حتى سن 75 عاما مع خيارات تغطية عالمية تشمل أو تستثني بعض الدول. يتطلب هذا التأمين عنوانا مسجلا في ألمانيا عند المغادرة.

يختلف هذا التأمين عن Care Expatriate من ناحية الاستخدام. يركز تأمين Care Travel PLUS على السفر المستمر والتنقل بين البلدان. بينما يختص Care Expatriate بالإقامة في دولة واحدة لفترة طويلة دون تنقل.

[للمزيد من التفاصيل حول هذا التأمين، بما في ذلك طريقة التسجيل ومزايا التأمين ومجالات التغطية الصحية التي يوفرها، يمكنك قراءة المقالة المخصصة التالية: Care Travel PLUS – التأمين الأمثل للإقامة الطويلة خارج ألمانيا والسفر المتكرر].

Care Holiday Insurance

يمكن الحصول على تأمين Care Holiday مقابل 14.90 يورو سنويا. يغطي هذا التأمين رحلات السياحة والعمل القصيرة في جميع الدول حتى 56 يوما لكل رحلة مع إمكانية التجديد السنوي دون انقطاع. بالإضافة إلى ذلك، يتميز هذا التأمين بعدم وجود مشاركة تحمل مالي.

يمكن تأمين العائلة أيضا ضمن هذا التأمين مقابل 40.90 يورو. تشمل التغطية الصحية لهذا التأمين العلاج في المستشفيات والطوارئ والنقل الطبي. كما يغطي العلاج الخارجي والأدوية والعلاج الطبيعي والأسنان والحمل والولادة المبكرة.

[للمزيد من التفاصيل حول هذا التأمين، بما في ذلك طريقة التسجيل وأسعاره حسب الفئة العمرية ومجالات التغطية الصحية التي يوفرها، يمكنك قراءة المقالة المخصصة التالية: Care Holiday Insurance: Annual health coverage for short-term travel and tourist trips].

BASTI: Care Concept service for blocked account and health insurance

نقوم شركة Care Concept بتوفير خدمة الحساب المغلق والتأمين الصحي المطلوبان للحصول التأشيرة الألمانية. تسمي Care Concept هذه الخدمة باسم BASTI وهي اختصار لـ Blocked Account & Student Insurance.

تحدثنا سابقا عن خدمة الحساب المغلق والتأمين الصحي التي توفرهما شركة Fintiba وذلك عبر سلسلة Dr.Fintiba المفصلة من المقالات على هذا الموقع الإلكتروني والفيديوهات على يوتيوب.

[ للمزيد من التفاصيل حول فتح حساب Fintiba البنكي المغلق، يمكنك قراءة The Comprehensive Guide to Opening a Fintiba Blocked Bank Account and Health Insurance Article أو مشاهدة الفيديو التالي ضمن سلسلة Dr. Fintiba على قناتي على يوتيوب].

BASTI هي خدمة مخصصة للطلاب والأشخاص القادمين إلى ألمانيا الذين يحتاجون الحساب المغلق والتأمين الصحي للحصول على الفيزا مثل:

• Doctors and pharmacists.
• طلاب الجامعة و الماجستير والدكتوراه.
• Visiting students Gastschüler.
• Students coming to Germany for a Studienkolleg foundation year.
• Sixth-year human medicine clinical internship visa students.
• Trainees in vocational training programs.
• Job seekers under the Chancenkarte visa.
• Individuals arriving on a Schengen visa.
• Individuals arriving under a dependent visa, such as spouses and children.

ما زالت خدمة BASTI غير متاحة لبعض الجنسيات، ومن بينها سوريا ولبنان والعراق واليمن وليبيا والجزائر والسودان. يأتي هذا الوضع نتيجة سياسات قبول المخاطر ومعايير الامتثال الداخلي التي تعتمدها شركة Care Concept.

تندرج تحت خدمة BASTI ثلاث باقات رئيسية هي Basic و Smart و Premium. تختلف هذه الباقات في الرسوم، التأمين الصحي وكذلك في المزايا الإضافية.

[للمزيد من التفاصيل حول خدمة BASTI، بما في ذلك طريقة التسجيل وقائمة الدول المشمولة في هذه الخدمة، يمكنك قراءة المقالة المخصصة التالية: BASTI service – Blocked account and health insurance for the German visa].

Conclusion

في النهاية، تُعد تأمينات شركة Care Concept من أفضل خيارات التأمين الصحي للوافدين إلى ألمانيا والمقيمين خارجها، بفضل تنوع باقاتها التي تغطي مختلف الاحتياجات الصحية والفئات العمرية ومدة الإقامة. سواء كنت طالبا، أو باحثا عن عمل، أو مسافرا لفترة قصيرة أو طويلة، ستجد ضمن هذه التأمينات خيارا مناسبا لك.

يعتمد اختيار التأمين المناسب بشكل أساسي على هدف السفر، ومدة الإقامة، والوضع القانوني في بلد الإقامة أو في ألمانيا. لذلك من المهم دائما الاطّلاع على تفاصيل باقات التأمينات الصحية بعناية قبل اتخاذ القرار النهائي.

If you have any question about these insurances or need help choosing the right option for your case, you can get Paid consultation via WhatsApp.