Insurance Cover for stays abroad

Insurance Product Information Document Product: MAWISTA Student

Company: AWP P&C S.A., Germany Branch Classic

This information sheet provides you with a brief overview of the essential contents of our insurance product. The insurance cover is exhaustively described in the General
Policy Conditions. To be fully informed, please read all documents.

What is this type of insurance?

MAWISTA Student Classic is a comprehensive Insurance and includes the following benefits: Health Insurance and Emergency Call Insurance.

What is insured? What is not insured?

Health Insurance and Emergency Call Insurance Health Insurance and Emergency Call Insurance
Which events are insured? x Medical treatment and other measures ordered by a physician that the insured
✓ Illness or accident person knew were necessary prior to inception of insurance cover or at the time of
✓ Pregnancy and childbirth (after the expiry of a waiting period of three or eight taking out the insurance or which he or she could have expected in the circum-
months respectively) stances of which he or she was aware.
What will be reimbursed? x Treatment of pregnancies which occurred before the commencement of insurance
✓ Costs for outpatient treatment by a physician x Treatment of pregnancies within the waiting period after the commencement of
✓ Costs for medical treatment and medication prescribed by a physician insurance
✓ Costs for inpatient treatment in a hospital x Psychoanalytical and psychotherapeutic treatment and hypnosis
✓ Costs for Pain-killing dental treatment x Prophylactic examinations and check-ups
✓ Costs of the medically advisable and appropriate return transportation to the x Dentures
nearest suitable hospital to the place of residence and, in the event of death, the x Visual aids required as a result of an accident
repatriation of mortal remains

As part of the Emergency Call Insurance: Assistance for personal emergencies (illness,
accident, death) and organisation of repatriation with medically adequate means,
as soon as this is medically advisable and reasonable. Are there any restrictions on cover?
Health Insurance and Emergency Call Insurance
Deductible: 20% per insured benefit for outpatient treatment and for dental treatment, ! Pain-killing dental treatment: up to € 500
max. € 250 per calendar year; for stays outside of Germany: 20% of the costs if a medi- ! Medically prescribed treatment (e.g. massages, fango or lymph drainage treat-
cally justifiable patient return transport to Germany is refused ments): up to six (medical) applications
! Aids required as a result of an accident: up to € 250
! Repatriation costs: up to € 25,000
! Reimbursement of medical / dental outpatient treatment within Germany up to the
1.8 fold rate of the Scale of Fees and Charges for Physicians in Germany (GOÄ) or of
the Scale of Fees and Charges for Dentists in Germany (GOZ)

Where am I covered?
✓ Insurance cover is valid for insured persons with Germany as home country for the temporary stay outside Germany.
✓ Insurance cover is valid for insured persons with home country outside Germany for the temporary stays within Germany and the rest of the EU, as well as in Switzerland, Liechten-
stein, Norway, United Kingdom and Iceland.
✓ In general, no coverage exists in areas for which the Federal Foreign Office of Germany has issued a travel warning at the time of your entry into this area.

What are my obligations?

- You are obliged to report the damage or loss to us promptly.
- You are obliged to inform us immediately of any changes in your personal circumstances that are contractually relevant.

Health Insurance and Emergency Call Insurance

- In case of severe injuries or serious illnesses, particularly prior to hospitalisation, you have to contact us immediately.

When and how do I pay?

The premium is due for the first time on commencement of the insurance contract and is payable each month in advance. The payment of the premium can be made by using one
of the available payment methods (e.g. SEPA direct debit or credit card). If a contract is valid for a term of longer than one month, the renewal premium is payable on the 1st day of
the new month respectively.

When does the cover start and end?

Insurance cover begins at the time stated in the insurance policy (start of insurance), however not before applying for insurance, not before crossing the border and not before the
expiry of any waiting periods. Waiting periods are calculated from the commencement of insurance. Insurance cover ends at the agreed time, at the latest at the end of the insured
stay in the agreed area of validity. The insurance ends automatically upon your 40th birthday, without any cancellation being required. The insurance contract can be agreed for full
months in each case and for a maximum term of 60 months.
2021-1450 AVB 22

How do I cancel the contract?

You may cancel your policy at any time. It will then expire at the end of that month.

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DOCUMENTS TO THE INSURANCE POLICY

OVERVIEW OF BENEFITS TABLE OF CONTENTS

MAWISTA Student – Tariff Classic Complaints, Applicable Law, Contractual Language, and Withdrawal 2
Data Protection and Information on Contracts in Electronic Commerce 3
• Health Insurance
Terms and Conditions 4
Deductible: 20% per insured benefit for outpatient treatment and dental treatment,
General Provisions 4
maximum € 250 per calendar year
Health Insurance 4
• Emergency Call Insurance Emergency Call Insurance 5
MAWISTA Student – Insurance Benefits at a Glance / Tariff Table 7

HOW TO CONTACT US DEFINITIONS AND NOTES

Assistance in an emergency Area of application: see § 2 VB AB-CLA 22 MST
If you require help in an emergency the Assistance is there for you. Our 24-hour Maximum insured travel duration: The insurances are valid for the agreed term, maxi-
emergency service guarantees rapid and expert assistance all over the world! mum 60 months.
Insurable persons: see § 1 No. 1 VB AB-CLA 22 MST
Phone: +49.89.6 24 24 – 496 Guidelines on taking out insurance: The policy can be purchased at any time, effective
on the first day of any month. Insurance cover commences at the time specified in the
Important for help in an emergency: insurance policy, but not before applying for insurance, not before crossing the border
• Please hold the exact address and phone number of your current whereabouts ready and not before the expiry of any waiting periods.
to hand.
• Note down the name of your contacts, e.g. physician, hospital or police. Insurer: We, AWP P&C S.A., Branch Office Germany are your insurer. Our main business
• Describe as exactly as possible the facts of the case and have the necessary informati- activity is the insurance of goods and services, including travel insurance.
on at hand.
Insurance cover is provided only for the person named on the insurance policy. The
premium is due for the first time at the beginning of the insurance contract and is payable
Notification of claim
The simplest and quickest way of notifying us of your claim is via monthly in advance. The payment of the premium can be made by using one of the
available payment methods (e.g. SEPA direct debit or credit card).If the insurer has been
https://www.mawista.com/en/service/file-a-claim/ authorized to debit the premium from the selected payment method, the payment shall
alternatively by post to our MAWISTA Claims Department (see adress on the right) be deemed to have been made, if there is sufficient cover on the stated payment method
at the time of debiting. The amount of the premiums is usually based on the selected
insurance cover and the term of the contract.

If the insured event occurs, we will only be obliged to provide indemnity if

the premium has been paid, or if you, as the policyholder, are not at fault
for the non-payment of the premium. You are required to prove this to us.

The contractually agreed insurance services are offered by AWP P&C S.A. in accordance
with the following Terms and Conditions of Insurance. Verbal agreements shall not be va-
lid. Insurance tax is already included in the insurance premiums. No fees are charged. The
scope of the insurance is conclusively defined in the insurance certificate or the insurance
premiums and service descriptions documented in the travel / booking confirmation.

AWP P&C S.A. General Representative: Jacob Fuest

GENERAL INFORMATION Niederlassung für Deutschland
(Germany Branch)
Registration court: Munich HRB 4605
VAT ID No. DE 129274528
IN THE EVENT OF CLAIM Bahnhofstraße 16
D – 85609 Aschheim (near Munich)
Germany
What do you do in any case of damage?
The insured person must minimise and document the damage as far as possible. For this AWP P&C S.A.
reason, please ensure that you have suitable proof of the occurrence of the damage (e.g. Public Limited Company incorporated under French law
confirmation of damage, medical certificate) and of the extent of damage (e.g. bills, re- Registered Office: Saint-Ouen (France)
ceipts). Commercial register: R.C.S. Bobigny 519 490 080
Chairman of the Board of Management: Sirma Boshnakova
What should you do if you fall ill, injure yourself or any other emergency occurs
during your stay in the agreed area of validity? (Health Insurance, Emergency Call
Insurance)
Please immediately contact the Assistance in case of severe injuries or serious illnesses,
particularly prior to hospitalisation, so that adequate treatment can be ensured or repa-
triation transport arranged. For the reimbursement of the costs you have paid at the loca-
tion, please submit original bills and/or prescriptions.
Important: The bills must show the name of the person receiving treatment, the name of
the illness, the treatment data and the individual medical services provided and the costs
of these. Prescriptions must provide information on the medications prescribed, the prices
and bear the stamp of the pharmacy.

What should you remember for claims under the Accident Insurance or Liability In- This translation is for information purposes only. In the event of any conflict
surance? or inconsistency between the German and the English versions, the German
Please note down the names and addresses of witnesses who saw the damaging event. original shall prevail.
Ask for a copy of the police report if the police was called in to investigate the case. Notify
AWP and submit these documents and this information to it with your notice of damage.

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COMPLAINTS, APPLICABLE LAW, CONTRACTUAL LANGUAGE, AND WITHDRAWAL
How you can lodge a complaint INSTRUCTION REGARDING REVOCATION 2. Our address for service and any other address rele-
It is our aim to offer you first-class services. Engaging with vant to the business relationship between us and you.
your concerns is equally important to us. If, at any time, Part 1: Right of Revocation for Contracts With a In the case of legal persons, associations of persons
you are not completely satisfied with our products or our Term of One Month Or More, Consequences or groups of persons, the name of a person autho-
service, please do not hesitate to inform us. of Revocation and Special Notices rised to represent them must also be stated. If this
communication is made by means of the transmissi-
You can use any means of communication to inform us of Right of Revocation on of the contractual provisions, including the gene-
your complaints concerning contractual or claims-related You may revoke this contractual agreement within 14 ral terms and conditions of insurance, the information
issues: days in text form (e.g. letter, fax, email) without having must be in a prominent and clearly designed form.
by telephone at +49 89 624 24-460, to state any reason. The revocation period shall begin 3. Our main business activity
by email at beschwerde-reise@allianz.com or at such time as you receive the following documents in 4. The essential characteristics of the insurance benefit,
by letter addressed to text form: in particular information on the type, scope and due
AWP P&C S.A., Beschwerdemanagement, • the insurance policy, date of our benefit
Bahnhofstraße 16, D – 85609 Aschheim (near Munich). • the terms of contract, including the general terms 5. The total price of the insurance, including taxes, and
Further details about our complaints handling process is and conditions of insurance, these in turn including other price components. If the insurance relationship
available at www.allianz-reiseversicherung.de/beschwerde. the tariff regulations, is to comprise several independent insurance con-
We will not participate in dispute settlement proceedings • this Instruction Regarding Revocation, tracts, the insurance premiums must be quoted se-
before a consumer arbitration board. • the Insurance Product Information Document, parately. If an exact price cannot be stated, we must
• and the further information listed hereafter in part 2. provide information on the basis of the calculation of
For complaints about any insurance line, you can also Timely dispatch of the revocation shall suffice for com- the premium to enable you to verify the price.
contact the competent supervisory authority: pliance with the time limit. The revocation notice should 6. Details regarding payment and performance, in par-
German Federal Financial Supervisory Authority (BaFin), be addressed to: ticular as to the payment of the insurance premium
Graurheindorfer Strasse 108, D – 53117 Bonn, Germany AWP P&C S.A., Branch Office Germany 7. Details of how the contract will come into existence,
(www.bafin.de). Bahnhofstraße 16 in particular the commencement date of the insu-
D – 85609 Aschheim (near Munich) rance and the insurance cover, as well as the duration
Please note that this does not affect your right to take Fax +49.89.6 24 24-244 of the period during which you, as the applicant, are
legal action. Email: info@mawista.com to be bound by the application
8. The existence or non-existence of a right of revoca-
Applicable law Legal consequences of revocation tion as well as the conditions, details of the exercise,
The contractual relationship is governed by German law, If you have effectively exercised your right of revocation, in particular the name and address of the person to
unless this is precluded by international law. Lawsuits the insurance cover shall end. In this case the following whom the revocation is to be declared, and the legal
arising from the insurance agreement may be raised by applies: If you agreed that the insurance cover com- consequences of the revocation, including informati-
the policyholder and the insured person before the court mences prior to the end of the revocation period, we on on the amount you may have to pay in the event
which holds jurisdiction over the location in which the shall reimburse you for that part of the insurance premi- of revocation. If this communication is made by me-
company or its branch office has its registered address. If ums attributable to the time after your revocation notice ans of the transmission of the contractual provisions,
the policyholder or the insured person is a natural person, was received. We will be entitled to retain the portion of including the general terms and conditions of insu-
lawsuits may also be raised before the court which holds the premium which corresponds to the period of time up rance, the information must be in a prominent and
jurisdiction over the location in which the policyholder or to the receipt of the revocation notice. It will be calcula- clearly designed form.
the insured person is domiciled at the time the action is ted on a pro rata basis per day, based on the amount of 9. Information on the duration of the contract
filed or, if he / she has no domicile, over the location in the insurance premium shown in the insurance policy for 10. Information on the termination of the contract, in
which he / she has his / her habitual residence. the entire insured period. The duty to reimburse shall be particular on the contractual termination conditions.
fulfilled without undue delay, at the latest 30 days after If this communication is made by means of the trans-
Contractual Language receipt of the revocation. If the insurance cover did not mission of the contractual provisions, including the
We will conduct our correspondence with you in German. commence prior to the end of the revocation period, the general terms and conditions of insurance, the infor-
As an offer, we provide some of our documents and web- effect of a revocation notice will be that any benefits re- mation must be in a prominent and clearly designed
site information in English. However, these are for informa- ceived must be reimbursed and any advantage derived form.
tion purposes only, the respective German version remains therefrom (e.g. interest) must be handed over. 11. The Member States of the European Union whose
legally binding. law we use as a basis for establishing relations with
Special Notices you prior to the conclusion of the insurance contract
Your right of revocation shall cease to apply if the 12. The law applicable to the contract, a contractual
contract has been wholly fulfilled by both sides at your clause on the law applicable to the contract or on the
explicit request before you have exercised your right of court of competent jurisdiction
revocation. 13. The languages in which the terms and conditions of
the contract and the preliminary information listed in
this Part 2 will be communicated and the languages
Part 2: List of further information required for the in which, with your consent, we will communicate with
commencement of the time limit. you during the term of this contract
14. A possible access for you to an out-of-court com-
With regard to the „further information“ mentioned in plaint and redress procedure and, where applicable,
part 1 sentence 2, the information obligations are listed the conditions for such access. It shall be expressly
in detail below: stated that this does not affect the possibility for you
We must provide you with the following information: to take legal action.
1. Our identity and that of the branch, if any, through 15. The name and address of the competent supervisory
which the contract is to be concluded. Furthermore, authority and the possibility of lodging a complaint
the commercial register with which the legal entity with this supervisory authority
is registered and the corresponding register number
have to be specified. End of Instruction Regarding Revocation

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DATA PROTECTION POLICY
In accordance with Art. 13 and 14 of the General Data We may also process your data in accordance with Art 6 (1) III To what recipients will we communicate your data?
Protection Regulation (GDPR), we are informing you about d) GDPR in order to protect your vital interests, or if you have Recipients of your personal data may include: selected exter-
how your personal data is processed by AWP P&C S.A., consented to the data processing, Art. 6 (1) a) GDPR. nal service providers (e.g. assistance service providers, benefit
Niederlassung für Deutschland (Germany Branch), and about processors, transport service providers, technical service provi-
the rights to which you are entitled under data protection law. In accordance with Article 6 (1) f) GDPR, we may also use ders, etc.), other insurers (e.g. in the case of multiple insurance
Please make all co-insured individuals (e. g. your spouse) aware available information from contractual relationships that have coverage).
of this policy. been active in the last three years to decide on the acceptance
of an application. We also insure some of the risks that we cover with specialist
I Who is responsible for processing your personal data? insurance companies (re-insurers). To this end, it may be ne-
Responsibility for processing your personal data rests with If we wish to process your data for any purpose other than cessary to send your contract and, where relevant, your claims
those specified above, we will notify you in advance within the information to a re-insurer, to enable it to form its own opinion
AWP P&C S.A., Niederlassung für Deutschland framework of the statutory regulations. of the risk or the insured event.
Bahnhofstraße 16
D – 85609 Aschheim (near Munich). 2. What applies to special categories of personal data, If you join a group insurance contract as an insured person,
especially health data? (e.g. when acquiring a credit card), we may disclose your per-
The Data Protection Officer can be contacted by standard mail There are special safeguards on the processing of special sonal data to the policyholder (a bank for example), if it has a
at the aforementioned address, using the suffix “Data Protec- categories of personal data, of which health data is one. As legitimate interest in knowing this information.
tion Officer“, or by email at datenschutz-azpde@allianz.com. a rule, processing is permitted only if you have consented
to the processing in accordance with Art. 9 2) a) GDPR, or if In addition, we may also communicate your personal data to
II For what purpose is your data processed, and on what this is a case of one of the other situations defined by law, other recipients, such as public authorities for the fulfilment of
legal basis does this take place? Art. 9 (2) b) – j) GDPR. statutory duties of notification (e.g. finance authorities or crimi-
1. What applies to all categories of personal data? nal investigation agencies).
We process your personal data in compliance with the EU a) Processing of your special categories of personal data
General Data Protection Regulation (GDPR), the German In many cases, in order to review the benefit entitlement, we re- The forwarding of data is a form of data processing, and is like-
Federal Data Protection Act (BDSG), the provisions of the quire personal data belonging to a special category (sensitive wise performed within the framework of the principles set out
German Insurance Contract Act (VVG) relevant to data data). This includes health data, for example. If, in connection in Art. 6 (1) and Art. 9 (2) GDPR.
protection law, as well as all other applicable laws. with a specific insured event, you provide us with such data
together with a request to review and process the claim, you IV How long will we retain your data?
When you apply for insurance cover, we will require the are explicitly permitting us to process your sensitive data We will retain your data for the period during which claims may
information provided by you at this point in order to arrange necessary in order to process the insured event. We will again be made against our company (statutory limitation period of 3
the contract and to estimate the risk assumed by us. If the in- remind you specifically of this fact in the claim form. to 30 years). We will also retain your data if we are under a legal
surance contract comes into being, we will process this data obligation to do so, e.g. according to the provisions of the Ger-
for the implementation of the contractual relationship, such as You may withdraw your consent at any time, with future effect. man Commercial Code, the German Fiscal Code or the German
for invoicing purposes. We require information about loss or However, we explicitly inform you that it may in that case no Money Laundering Act. The relevant retention periods range up
damage in order to be able to assess whether an insured event longer be possible to review our indemnity obligation in con- to ten years.
has occurred and determine the extent of this loss or damage. nection with the insured event. If the review of the claim is
already concluded, there may be statutory retention obliga- V Where will your data be processed?
It is not possible to arrange and implement the insurance con- tions that mean the data cannot be erased. If we should transfer your data to service providers located
tract without processing your personal data. outside of the European Economic Area (EEA), the transfer
We may also process your sensitive data if this is necessary to within the Allianz Group will be performed on the basis of
Art. 6 (1) b) GDPR constitutes the legal basis for the processing protect your vital interests, and if you are physically or legally “Binding Corporate Rules“, which have been approved by the
of personal data for pre-contractual and contractual purposes. incapable of giving consent, Art. 9 (2) c) GDPR. This may be the data protection authorities. These form part of the “Allianz
case if you suffer a serious accident while travelling, for example. Privacy Standard“. These Corporate Rules are binding on
Alongside that, Art. 6 (1) a) and c) – f) GDPR contain other all companies within the Allianz Group, and they ensure an
legally defined situations in which we are entitled to process In the case of multiple insurance policies, if another insurer seeks appropriate level of protection for personal data. The “Allianz
personal data. recourse from us or if we seek recourse from another insurer, we Privacy Standard“ and the list of Allianz Group companies
may process your sensitive data in order to assert and defend the bound by this standard, can be viewed here: https://www.
We will process your data in order to fulfil a legal obligation in statutory claim for settlement, Art. 9 (2) f) GDPR. allianz-partners.com/allianz-partners---binding-corporate-
accordance with Art 6 (1) c) GDPR, such as to review claims for rules-.html.
settlement, if another insurer seeks recourse from us due to the b) Requesting health data from third parties for review of the
existence of multiple insurance policies. indemnity obligation In those cases in which the “Allianz Privacy Standard“ does not
In order to review our indemnity obligation, it may be necessa- apply, the transfer of data to third countries will take place in
We will also process your data in order to uphold our legiti- ry for us to review information about the state of your health, accordance with Art. 44 – 50 GDPR.
mate interests or the legitimate interests of others, Art. 6 (1) f) as provided by you for the substantiation of claims, or which is
GDPR. This may be the case particularly: contained in the documents submitted (e.g. invoices, prescrip- VI What are your rights?
• for ensuring IT security and IT operations tions, medical reports) or statements, such as from a doctor or You have the right to be informed about all of the information
• for marketing our own insurance products, and for conducting other member of the healthcare profession. retained by us, and to demand that incorrect data be rectified.
marketing surveys and opinion polls Under certain conditions, you also have the right to the erasure
• for the prevention and investigation of criminal activities (in For this purpose, we will require your consent, including a of data, the right to object to processing, the right to the restric-
particular, we employ data analyses to detect possible indica- confidentiality waiver covering us and all agencies subject to tion of processing and the right to data portability.
tions of insurance fraud). a duty of confidentiality, and which are required to provide
information for review of the indemnity obligation. Right of objection
As a rule, we only process that data that we have received You may object to the processing of your data for direct
directly from you. In certain cases we may also receive such We will notify you in each specific case about what persons marketing purposes. If we process your data in order to
data from other sources (such as if another insurer seeks or institutions require information for what purpose. You may protect legitimate interests, you may object to this processing
recourse from us due to the existence of multiple insurance then decide in each case whether you consent to us collecting for reasons pertaining to your particular situation.
policies). and using your health information, and whether to release the
named persons or institutions and their duty of non-disclosure, If you have any objections concerning the handling of your
We also process your personal data in order to fulfil other and if you agree to the communication of your health data to data, you may contact the aforementioned Data Protection
statutory obligations, such as regulatory requirements, as well us, or if you want to personally provide the necessary docu- Officer in this connection. You are also entitled to lodge an
as data retention obligations imposed by commercial and tax mentation. objection with a data protection supervisory authority.
law. In these cases, the legal basis of the data processing is
provided by the relevant statutory regulations in conjunction
with Art 6 (1) c) GDPR.

INFORMATION FOR CONTRACTS IN ELECTRONIC COMMERCE

If you have arranged your insurance contract electroni- II Which technical step leads to the conclusion of the III Will your contract data and the text of the contract
cally (e.g. via an online portal), the following information contract? be stored after the conclusion of the contract?
applies: We will guide you step by step to the online conclusion. On The contract data you entered and the text of the contract will
the page "Ihre Zahlungsdaten" you will see a summary of your be stored by us. You will receive the insurance certificate with
I Can entries that have been made be changed before details in the right-hand column. Please check that all data is the essential elements of the contract by e-mail after the insu-
the insurance is concluded? correct. The insurance policy itself is only arranged when you rance has been arranged.
If you are unsure whether you have entered correct informa- click on the button "Jetzt beitragspflichtig abschließen" or
tion everywhere, you can check and change your details at "Sie bezahlen XX,XX EUR". With this you conclude a binding IV Which languages are available?
any time before concluding the insurance. You can also use the contract with us and the data is transmitted to us. This offer is only available in German.
"Zurück" button to edit previous steps.

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TERMS AND CONDITIONS OF AWP P&C S.A., GERMANY BRANCH
General Provisions If the first premium has not been paid upon the 4. Inform the insurer immediately of any changes in your
VB AB-CLA 22 MST occurrence of the insured event, the insurer shall personal circumstances that are relevant to the con-
not have a duty to indemnify, unless the insured per- tract (e.g. end of studies, taking up employment, etc.).
The regulations as stipulated under §§ 1 to 11 apply to all son is not responsible for non-payment. If the insurer
MAWISTA Student insurance products. has been authorized to debit the premium from the §7 When does the insured person forfeit claims to
The Terms and Conditions (VB) printed below apply to the selected payment method, the payment shall be dee- insurance benefits due to a breach of duties and
respective insurance. Insurance cover is provided if you med to have been made, if there is sufficient cover on the statute of limitations?
have contractually agreed the insurance concerned. the stated payment method at the time of debiting. 1. If a breach of duty is intentionally committed, the in-
4. If a contract is valid for a term of longer than one surer is released from its duty to indemnify; in case of
§ 1 Who is eligible for insurance cover? month, the renewal premium is payable on the 1st day grossly negligent violation, AWP is entitled to reduce
1. Persons up to their 40th birthday are eligible for insu- of the new month respectively. its payment in proportion to the degree of fault of the
rance, if they belong to one of the following groups: If the insurer has been authorized to debit the premi- insured person.
a) Persons residing in Germany who are in possession um from the selected payment method, the payment 2. The insured person must furnish proof that no gross
of a residence permit for educational purposes, and shall be deemed to have been made, if there is suffici- negligence was involved. Except in case of fraudulent
the accompanying members of their family. ent cover on the stated payment method at the time intent, the insurer is obliged to indemnify if the insured
b) Persons in possession of another type of temporary of debiting. person furnishes proof that the breach of duty is not the
residence permit for Germany. If the renewal premium is not paid, the insurer may set cause of either the occurrence or the determination or
c) Residents of Germany who are travelling abroad a period for payment of at least two weeks in text form. the scope of the insurer’s duty to indemnify.
as language pupils, students, scholarship holders, If an insured event occurs after the expiry of the period 3. The claim to an insurance benefit lapses in three years,
candidates for a doctor‘s degree, guest researchers, and the insured person is still in arrears with the pay- calculated from the end of the year in which the claim
practical trainees, or who are participating in „work- ment of the renewal premium, the insurer is exempted occurred and the insured person obtained knowledge
& travel“-programs as well as accompanying mem- from its duty to indemnify. The insurer may terminate of the circumstances in order to assert the claim, or
bers of his or her family. the contract instantly if the insured person is still in would have obtained knowledge without gross negli-
2. Insurance cover applies to the person specifically arrears with payment after the expiry of the period. If gence.
named in the insurance policy documentation for their payment is made with-in one month after termination
temporary period of residence in accordance with the or after the expiry of the period set for payment, the § 8 When does the insurer pay compensation?
agreed area of application. effect of the termination ceases to apply and the con- As soon as the insurer has determined whether and to
tract enters into force again. However, no insurance what extent it has an duty to indemnify, compensation is
§ 2 What area of application does the insurance cover is provided for insured events occurring after the paid within two weeks.
apply to? expiry of the period set for payment.
Insurance cover is valid for insured persons 5. As soon as the insured person has turned 5 or 18 or 30 § 9 What applies if the insured person has claims for
1. with Germany as home country for the temporary stay years old, the premium for the next higher age group damages against third parties?
outside Germany. There is no insurance coverage for must be paid from the month following the birthday 1. In accordance with statutory regulations, claims for
stays in Germany. month. damages against third parties pass to the insurer up
2. with temporary resident status in Germany, for the to the level of payment effected, provided that the
temporary stay in Germany, in addition to periods that § 5 In which cases does insurance cover not apply? insured person suffers no disadvantage thereby.
count as holiday or for training purposes in the EU as No insurance cover is provided in the following cases: 2. The insured person is obliged to confirm the assign-
well as in Switzerland, Liechtenstein, Norway, United 1. Damage or loss caused by strikes, nuclear energy, con- ment of claims to this extent in writing upon request by
Kingdom and Iceland. There is no insurance cover out- fiscation and other invention acts by public authority, as the insurer.
side the above-stated countries. well as damage or loss in areas for which the German 3. Any duties to indemnify arising under other insurance
Federal Foreign Office has issued a travel warning. If contracts and other social insurance institutions will
§ 3 When does the insurance begin and end? an insured person is at such a location at the time when have precedence over those of the insurer. The insurer
1. Insurance cover begins at the time stated in the insu- a travel warning is issued, insurance cover ends 14 will be deemed to have made advance payment, if the
rance policy (start of insurance), however not before days after the issuance of the travel warning; insurance original bills are first presented to the insurer for pay-
applying for insurance, not before crossing the border cover continues in spite of the travel warning if the end ment.
and not before the expiry of any waiting periods. Wai- of travel is delayed for reasons for which the insured
ting periods are calculated from the commencement person is not responsible. § 10 What form must be followed for submitted decla-
of insurance. The insurance year begins on the date of 2. Damage or loss due to war or events similar to war; rations of intent?
commencement of the insurance relationship specified however, insurance cover does exist if the damage 1. Notices and declarations of intent from the insured per-
in the insurance policy. or loss occurs in the first 14 days after the beginning son and the insurer are required to be in text form (e.g.
2. Insurance cover ends at the agreed time, at the latest at of the events; insurance cover continues if the end of letter, fax or e-mail).
the end of the insured stay in the agreed area of appli- travel is delayed for reasons for which the insured 2. Insurance agents are authorised to accept such docu-
cation. person is not responsible. This does not apply in case ments and forward them to the insurer.
3. Insurance cover can be extended for up to 60 months of stays in countries in whose territory war or civil war is
(= maximum tariff-based term of insurance) upon already ongoing or where such an outbreak was fore- § 11 Which court in Germany is responsible for dealing
application before the expiry of the original term of seeable. Damage or loss through active participation with the assertion of claims based on the insu-
contract insofar as the temporary period of residency in war, civil war or events similar to war are not covered rance contract and which law applies?
continues and the insurance policyholder is willing and by the insurance. 1. At the option of the insured person, the courts of
able to pay the premiums applicable at the time of the 3. Damage or losses intentionally caused by the insured Munich or the place in Germany where the insured
extension of cover. If the maximum tariff-based term person. person has his or her permanent residence or habitual
of insurance of 60 months has been completed, a new 4. No insurance cover exists if abode at the time the legal action is brought will have
contract can be applied for if the requirements stipula- a) there are economic, trading or financial sanctions or jurisdiction and venue.
ted in No. 4 below are met. embargoes declared by the European Union or the 2. The laws of the Federal Republic of Germany apply
4. For persons with temporary resident status in Germany, Federal Republic of Germany and insofar as they do not conflict with international law.
a maximum term of 60 months (= statutory limit of 60 b) these are directly applicable against you or us, or
months) may not be exceeded, taking into account any which prevent the provision of insurance cover. Terms and Conditions of the
similar insurance policies with other insurers. This also applies for economic, trading or financial
5. The insurance ends automatically upon the 40th birth- sanctions or embargoes imposed by the United States
Health Insurance
VB K-CLA 22 MST
day without the need for cancellation. of America, insofar as these do not violate European or
German legal regulations.
§ 1 What is insured?
§ 4 What term of validity does the contract have,
1. The insurance covers the costs of:
when is the premium payable and what applies § 6 Duties and obligations in the event of a claim
a) Medical treatment
when you reach a certain age? The insured person is obliged to:
b) Patient repatriation transportation
1. The insurance contract can be agreed for full months in 1. Minimise the loss as far as possible and avoid unneces-
c) Repatriation of mortal remains in case of death
each case and for a maximum term of 60 months. sary costs.
in the event of acute illnesses and accidental injuries
2. The insured person can give notice of termination of the 2. Report the loss to the insurer without delay.
occurring in the agreed area of application within the
insurance contract daily to the end of the month. 3. Describe the damaging event and the extent of dama-
insured period.
3. The premium is due for the first time on commence- ge and truthfully provide the insurer with any and all
2. Insurance cover is provided in the agreed area of
ment of the insurance contract and is payable each pertinent information. The insured person must furnish
application for the costs of the medical treatment
month in advance. The payment of the premium can be proof in the form of original bills and receipts, release
during pregnancy and childbirth only if the pregnan-
made by using one of the available payment methods physicians from their confidentiality obligation as
cy (conception) occurred after the commencement
(e.g. SEPA direct debit or credit card). necessary – including the physicians of the Assistance –
of insurance. Irrespective of the time when pregnancy
and allow the insurer to reasonably examine the cause
occurred and the waiting period, the insurer will reim-
and amount of the asserted claim.

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 burse the costs of medical treatment in case of the § 3 What costs does the insurer reimburse in case of 2. Consent to return or repatriation to his or her home
occurrence of acute complications in the pregnancy patient repatriation transportation and repatria- country, assuming the insured person is fit to be trans-
including miscarriage and premature birth. tion of mortal remains? ported and provided that the requirements under
3. Flat-rate expense allowance in case of hospitalisation: The insurer reimburses the following: § 3 No. 1 VB K-CLA 22 MST have been met, if the As-
If the costs are paid by a third party in case of medi- 1. The costs of the medically advisable and justifiable re- sistance authorises the return journey in view of the
cally necessary treatment as an inpatient in the agreed patriation of the insured person to a suitable hospital nature of the illness and the treatment required. If,
area of application, the insurer will pay a maximum located closest to the place of residence of the insured according to the prognosis of the attending physician,
flat-rate expense allowance of € 30 per day for a person in his or her home country. the need for treatment outside Germany is expected to
maximum period of 45 days from the commencement In addition, the costs of the medically advisable and last longer than 30 days, the insured person shall bear
of inpatient treatment (for telephone, TV, additional justifiable repatriation are reimbursed where continued a personal contribution of 20% of the costs incurred if a
meal allowance for visitors etc.). hospital treatment is expected to exceed 14 days in the patient return transport is refused, although it is possi-
opinion of the physician giving treatment. ble and medically reasonable and justifiable. § 6 does
§ 2 What costs are reimbursed for medical Irrespective of this, the costs of the patient‘s repatriati- not apply in this case.
treatment? on to his or her home country are paid if these remain 3. Submit to the insurer the original invoices or duplicates
1. The insurer reimburses expenditures for all medically within the limits of the expected costs of continued with an original reimbursement stamp by another
necessary medical treatment in the agreed area of ap- medical treatment. insurance company concerning the benefits granted;
plication, including costs incurred for: 2. The actual costs of up to € 25,000 for the repatriation these will then become the property of the insurer.
a) Outpatient treatment by a physician. of the deceased insured person for a funeral in his or
b) Medical treatment and medication prescribed by a her home country or, alternatively, the actual costs of § 6 What deductible does the insured person pay?
physician for the insured person. a local funeral up to the costs of repatriation at the The insured person pays a deductible of 20% per insured
c) Inpatient treatment in hospital, including operations maximum. benefit for outpatient treatment and dental treatment.
that cannot be postponed. In case of premature The deductible is limited to a total of € 250 per calendar
birth, the costs of treatment required for the new- § 4 What limitations on insurance cover are to be year.
born child in the agreed area of application will noted?
also be covered up to € 100,000 (notwithstanding No insurance cover is provided for the following: Terms and Conditions of the
§ 1 VB AB-CLA 22 MST). 1. Medical treatment and other measures ordered by a
The following applies for inpatient medical treat- physician, where the purpose of the stay in the agreed Emergency Call Insurance
ment and childbirth in Germany: General hospital area of application was to seek such treatment. VB N 22 MST
costs (multi-bed room) are reimbursed according to 2. Medical treatment and other measures ordered by a
the Federal Nursing Care Tariff Ordinance and the physician that the insured person knew were necessary N.B.: The Assistance is entrusted with the provision of
Hospital Remuneration Act; expenses for optional prior to the stay in the agreed area of application or at services under the Emergency Call Insurance.
services (private medical treatment) are not covered the time of taking out the insurance or which he or she
by the insurance. could have expected in the circumstances of which he § 1 What services does the insurer provide?
d) Patient transportation deemed medically necessary or she was aware. 1. The insurer provides assistance and support to the
for inpatient treatment at the nearest and appropri- 3. Nutriments and tonics. insured person during his or her stay in the agreed
ate hospital in the agreed area of application and 4. Orthodontic treatment, dental treatment other than area of application in the emergencies named below
back to the insured person‘s accommodation. pain-killing treatment, repairs to dentures and provisi- and pays the costs incurred up to the limits specified in
e) Pain-killing dental treatment and repairs of dentures onal measures. each case. The insurer reserves the right to check cover.
and provisional measures up to € 500 per insurance 5. Medical treatment (e.g. massages, fango or lymph Services provided by the Assistance and declarations
year. drainage treatments) which exceed six treatments per on its part to meet costs as well as any orders placed
f) The medical care and treatment of pregnancies insurance year. with service providers do not include any acknow-
which occurred after the commencement of insu- 6. The purchase of prostheses and other medical aids; ledgement of the insurer‘s duty to indemnify under the
rance and after the expiry of a waiting period of notwithstanding this, insurance cover is provided up insurance contract vis-à-vis the insured person as a
three months. The special waiting period for child- to € 250 per year for aids required as a result of an basic principle.
birth is eight months. accident. 2. The insurer has entrusted the Assistance with the provi-
g) Aids required as a result of an accident up to € 250 7. Treatment of alcoholism, drug addiction and other sion of services named below for the insured person as
per insurance year. addictions as well as the consequences thereof. a 24-hour service.
h) Medically prescribed treatment (e.g. massages, 8. Treatment of pregnancies which occurred before the 3. The insured person must contact the Assistance without
fango or lymph drainage treatments) up to six commencement of insurance and for the treatment of delay to claim the services in an emergency.
(medical) applications in total per insurance year, pregnancies within the waiting period after the com- 4. Insofar as the insured person cannot claim the reim-
even then if multiple (medical) applications are mencement of insurance. bursement of amounts paid out from the insurer or
carried out within one treatment. 9. Treatment or accommodation caused by infirmity, need from another payer, the insured person must repay the
i) Medically necessary rehabilitation measures as of nursing care or detention. amounts to the insurer within one month of invoicing.
subsequent medical treatment prescribed by a 10. Psychoanalytical and psychotherapeutic treatment
physician. and hypnosis § 2 What help does the Assistance provide in case of
j) In this context, the insurer shall pay for methods of 11. For fees and charges which exceed the extent con- illness and accident?
examination or treatment widely accepted by con- sidered generally customary and reasonable in the 1. Outpatient treatment
ventional medicine to the extent stated in the con- country concerned and for optional benefits such as a The Assistance provides information on the possibilities
tract. In addition, the insurer shall pay for methods single room or treatment by the head physician. The of medical care and names a physician who speaks
and medication which have shown themselves to be reimbursement may be reduced to the customary German or English as far as possible. However, the
just as promising in practice and which are applied rates in the country. Assistance does not contact the physician.
because no conventional medical methods or medi- 12. Patient repatriation transport caused by one of the 2. Inpatient treatment
cation is available. However, the insurer may reduce reasons mentioned under no. 1, 2, 7 and 9. In case of inpatient treatment of the insured person at a
the payment to the amount which would have been 13. Prophylactic examinations and check-ups, check-ups hospital, the Assistance provides the following services:
incurred if conventional medical methods or medici- of children and young people, dental check-ups and a) Support
ne had been applied. dental prophylaxis as well as any charges and fees for If required, the Assistance establishes contact
2. Costs of medically necessary treatment up to the so- medical certificates, reports on diagnostic findings and through its contract physician to the respective
called threshold values of the valid German Scale of doctor’s certificates for inability to work, which were family physician of the insured person and to the
Fees and Charges for Physicians (GOÄ) and Scale of not requested by the insurer. hospital physicians providing treatment. It ensures
Fees and Charges for Dentists (GOZ), up to a maximum that information is passed between the physicians
of 1.8 times the rate. § 5 What are the duties and obligations of the involved. Upon request, the Assistance informs
3. The insurer reimburses the costs in accordance with the insured person in case of damage or loss? relatives of the insured person.
conditions for a duration of up to six weeks after the The insured person is obliged to: b) Patient visits
agreed term of application of the insurance contract 1. Contact the Assistance immediately in the event of In case of the inpatient treatment of the insured
until the date when the insured person can be trans- inpatient treatment at a hospital, prior to the com- person, the Assistance organises the travel for one
ported at the latest, if patient repatriation was not mencement of any extensive diagnostic or therapeutic person close to the insured person to the hospital
advised for medical reasons during the term of the procedures as an inpatient or outpatient, and prior to where the insured person is staying and back to his
contract. any submission of acknowledgements of payment. The or her place of residence in his or her home country.
insurer will reimburse the documented costs for making The insurer pays the costs of transport in case of a
contact up to € 25. life-threatening illness of the insured person or if
inpatient treatment lasts for longer than 14 days.

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 c) Declaration to meet costs
In case of inpatient hospital treatment, the insurer
will give the insured person a declaration that it will
meet the costs up to an amount of € 15,000. This
declaration does not involve any recognition that the
insurer has a duty to indemnify. The insurer assumes
settlement with the payer responsible in the name of
the insured person.
3. Patient repatriation transportation
As soon as medically advisable and appropriate, or if
the duration of the hospital stay is expected to exceed
14 days in the opinion of the physician giving treatment,
the Assistance will organise return transportation using
medically adequate means of transport (including air
ambulances) to the closest suitable hospital to the in-
sured person‘s place of residence after prior consulta-
tion between the contract physician of the Assistance
and the local physicians handling the case.

§ 3 Does the Assistance procure the necessary medi-

cations for the insured person?
In concert with the family physician of the insured person,
the Assistance takes care of procuring medically prescri-
bed medication and sending it to the insured person, if this
is possible. The insured person must reimburse the costs of
the medication to the Assistance within one month.

§ 4 What services does the Assistance provide in case

of the death of the insured person?
If the insured person dies during his or her stay in the
agreed area of application, the Assistance will organise a
funeral in the agreed area of application or the repatria-
tion the deceased person‘s mortal remains to the place of
the funeral in his or her home country as requested by the
deceased person‘s relatives.

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MAWISTA STUDENT – INSURANCE BENEFITS AT A GLANCE / TARIFF TABLE
Tariff Table MAWISTA Student Classic ® MAWISTA Student Classic ® Plus MAWISTA Student Comfort ®
General Provisions
§ 2 No. 1 Insurance cover for Germans in Germany if the
not insured not insured up to 6 weeks per insurance year
stay abroad is interrupted.
Health Insurance
§ 2 No. 1 Amount of costs reimbursed for …
• Outpatient treatment unrestricted* unrestricted* unrestricted*
• Medical treatment and medication unrestricted* unrestricted* unrestricted*
• Inpatient treatment unrestricted unrestricted unrestricted
• Medical treatment of a newborn baby if born prema-
max. € 100,000 max. € 100,000 max. € 100,000
turely
• Medically necessary patient transportation to a hospital unrestricted unrestricted unrestricted
• Pain-killing dental treatment per insurance year max. € 500 max. € 500 max. € 1,000
• Dentures per insurance year not insured not insured 60% of the total costs, max. € 1,000
• Treatment of pregnancy unrestricted, after the expiry of a wai- unrestricted, after the expiry of a wai-
unrestricted
ting period of 3 or 8 months respectively ting period of 3 or 8 months respectively
• Aids required as a result of an accident per insurance year max. € 250 max. € 250 max. € 1,000
• Visual aids required as a result of an accident per
not insured not insured max. € 100
insurance year
• Vaccination max. € 250 throughout the entire
not insured not insured
term of the contract
• Treatment (e.g. massages, fango and lymph drainage
max. 6 treatments max. 8 treatments max. 8 treatments
treatment) per insurance year
• Rehabilitation measures unrestricted unrestricted unrestricted
Important note: Reimbursement for outpatient medical and dental services is made within the framework of the
respective valid German Scale of Fees and Charges for Physicians and for Dentists (GOÄ and GOZ)
Reimbursement of treatment costs according to GOÄ /GOZ up to max. 1.8-times the rate up to max. 2.3-times the rate up to max. 3.5-times the rate
§ 2 No. 2 Provision of the insurance benefit subsequently
after the expiry of the insurance contract if the insured max. 6 weeks max. 6 weeks max. 8 weeks
person is unfit to travel
§ 3 No. 1 Patient repatriation transportation to the home The costs of the medically advisable and justifiable patient repatriation transportation to the nearest hospital in the
country insured person‘s home country at an unlimited amount, also if hospital treatment lasts longer than 14 days
§ 3 No. 2 Reimbursement of costs for repatriation of
max. € 25,000 max. € 25,000 max. € 25,000
mortal remains to home country
§ 3 No. 2 Reimbursement of costs for local funeral up to the costs of the repatriation of up to the costs of the repatriation of up to the costs of the repatriation of
mortal remains at the maximum mortal remains at the maximum mortal remains at the maximum
§ 6 Deductible per insured benefit for outpatient treat-
20%, max. € 250 per calendar year 15%, max. € 250 per calendar year 10%, max. € 250 per calendar year
ment and dental treatment
Important note for stays outside Germany: If treatment is expected to be necessary for longer than 30 days, there is a
personal contribution of 20% of the treatment costs if return transport to Germany is refused, although it is possible and
medically reasonable and justifiable.
Emergency Call Insurance
§1-§4 Offers immediate assistance worldwide in case of an emergency in the agreed area of validity
§ 2 No. 2 Declaration of amount of costs assumed for
max. € 15,000 max. € 15,000 max. € 15,000
inpatient treatment
Accident Insurance

§ 3 Sum insured in case of death not insured € 10,000 € 10,000

§ 4 Sum insured in case of permanent disability not insured max. € 140,000 max. € 140,000
§ 6 No. 1 Rescue costs not insured max. € 5,000 max. € 5,000
§ 6 No. 2 Health spa allowance not insured max. € 1,500 max. € 1,500
Liability Insurance

§ 1 Sums insured • max. € 1,000,000 for personal injury

• max. € 1,000,000 for personal injury
and property damage
and property damage
not insured • max. € 250,000 for damage to
• max. € 250,000 for damage to
rented property
rented property
• max. € 2,000 for lost keys
Monthly Premiums
up to the 5th birthday € 49 € 66 € 117
from 5 years on up to the 18th birthday € 35 € 47 € 83
from 18 years on up to the 30th birthday € 25 € 34 € 60
from 30 years on up to the 40th birthday € 38 € 50 € 89

* Taking into account the reimbursable fee rates according to GOÄ and GOZ, as well as the respective tariff deductible.

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