Do you suffer from abdominal pain, a toothache or psychological problems? Go see a doctor! As au pair you are covered by a private international health insurance.
Our overview of the procedure in the event of illness [PDF, 204 KB] will help you find your way around.
Please consider the following three rules of conduct for outpatient treatments:
- Please consult a general practitioner before seeing a specialist or going to hospital.
- Please provide the physician with our Ärzte-Info-Ticket (medical info card) [PDF, 544 KB, in German] prior to the treatment.
- Please tell your doctor that some treatments require approval and that you need a medical costs projection for these treatments.
1. Primary care physician
Primary care physicians are responsible for diagnosis and therapy and coordinate the need for further treatment. This includes assessing if they are able to carry out the treatment themselves or if it is necessary to consult a specialist.
This makes it easier to coordinate therapies and to avoid that examinations are carried out twice. It furthermore helps to avoid incompatible therapies, interlink medical benefits and reduce costs. This recommendation does, of course, not apply to necessary visits of gynecologists, eye specialists, emergency physicians or doctors on call.
2. Medical info card “Ärzte-Info-Ticket”
You will receive a medical info card (Ärzte-Info-Ticket) together with your insurance certificate. This card shall help you in case of illness and necessary treatment. Please provide the physician with this vital information prior to any treatment. The card contains information about the type of billing as well as important details regarding your insurance coverage.
Here you can print out your "Ärzte-Info-Ticket":
Ärzte-Info-Ticket (medical info card) [PDF, 544 KB, in German]
3. Medical costs projection
In some cases, it is necessary for you to have our written guarantee of performance as a precondition for full reimbursement. This requires that we are provided with the medical costs projection of the respective physician or dentist.
Click here to find out for which treatments you need a medical costs projection.
Your medical costs projection will be processed in one working day. In case of an emergency, please label your medical costs projection as “urgent”. We will then check these documents within two hours.
We recommend a medical costs projection prior to any extensive treatment. This will help you and your doctor to plan reliably and to avoid financial disadvantages.
Upcoming hospital stay
If you are admitted to a hospital, you will be asked about your insurance cover. You are covered by your international health insurance. The policy covers treatment within compulsory health insurance without optional services. The easiest way for you is to present your "Ärzte-Info-Ticket" (medical info card) during the admission.
Here you can print out your "Ärzte-Info-Ticket":
Ärzte-Info-Ticket (medical info card) [PDF, 544 KB, in German]
After your admission, the hospital will contact us and, under normal circumstances, we will then settle the billing directly with the hospital.
Inpatient treatment without emergency situation
If an 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.