Do you want to have detailed information before purchasing our AIDWORKER insurance policy? In this section, we collected a number of frequently asked questions about the comprehensive cover provided by AIDWORKER. If you have any other questions, feel free to contact us.
Here you will find the most frequently asked questions about the coronavirus.
Cancellation of the insurance is possible at any time before the beginning of the insurance. If you wish to change the travel period due to the current wave of illness, a postponement is possible. Please contact us in this case.
No, travel expenses are not covered by the international health insurance. We recommend: Contact your hotel or airline to clarify whether a goodwill arrangement (rebooking or cancellation) is possible.
Here you will find the most frequently asked questions about the coronavirus.
Fever, cough, signs of corona infection? You can rest assured. With AIDWORKER's insurance cover, you don’t need to fear high medical costs. The medically necessary treatment of the corona virus infection is covered. In addition, AIDWORKER includes coverage up to 90 days for medical expenses should you be forced to stay abroad for a longer period of time due to the infection.
Quarantine costs are not covered by the foreign health insurance. Quarantine is often prescribed as a precautionary measure. This is not a medically necessary treatment. If you fall ill with the coronavirus during quarantine, the treatment is of course insured.
The costs of a corona test will be covered, provided it is ordered by the doctor and you are showing related symptoms. However, if the test is only for the purpose of fulfilling a required entry or exit regulation, the costs must be borne by the patient.
Yes, AIDWORKER's international health insurance protects you both when traveling in countries for which the German Foreign Office has issued a travel warning and in case of illness related to a pandemic.
Yes, AIDWORKER offers insurance cover for pandemics as well as for travel in countries for which a travel warning has been issued by the Federal Foreign Office.
No, travel costs are not covered by the foreign health insurance. We recommend: Contact your travel company to clarify whether, for example, the airline will offer you a goodwill arrangement (free rebooking or cancelation of your trip).
In principle, insurance cover also exists for a certain period of time in case of interruption of the stay abroad. Due to the development of COVID-19, you cannot estimate how long your stay in your home country will last. Therefore, we recommend that you cancel your AIDWORKER insurance immediately after entering your home country. Please inform us about this. An e-mail is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. You will only pay the premiums that have accrued until the receipt of your notification.
Tip: Please contact your last insurance company in your home country to reactivate your previous insurance immediately
When you resume your travel plans, you are welcome to take out a new AIDWORKER insurance policy.
AIDWORKEr insurance coverage ends upon entry into your home country. Please contact your last insurance company in your home country to reactivate your previous insurance immediately.
The Robert Koch Institut provides you with important information about the current coronavirus development: https://www.rki.de/DE/Content/InfAZ/N/Neuartiges_Coronavirus/nCoV.html (machine translated from German).
With this insurance policy, you have a free choice of doctors. In case of comprehensive outpatient and/or inpatient treatment, please contact our emergency hotline immediately. This way, the related costs can be clarified beforehand with the attending physician and the treating hospital and you do not have to pay them in advance.
Please provide us with the originals of all receipts (doctor’s invoices, prescriptions, etc.). All invoices must clearly state the name of the patient, the type of illness, the type of the individual medical treatments and the treatment costs. Please also hand in copies of any other vital document (medical reports, etc.). Send the full documentation together with the reimbursement claim form to our claims department.
DR-WALTER Versicherungsmakler GmbH
Abteilung Leistung (Claims Department)
Please inform our emergency hotline immediately about every inpatient stay. This way, you will receive professional settlement of claims without having to pay the treatment costs in advance.
In case of an emergency, please call our emergency hotline to clarify cost coverage and, if necessary, to ensure a quick return transport.
The insurance cover is valid worldwide except for the insured’s home country. Costs in case of acute illnesses in the insured’s home country can be co-insured depending on the tariff. The following question deals with insurance coverage in the home country in detail.
The tariffs AIDWORKER24-RK, AIDWORKER-PLUS-RK and AIDWORKER24-DR do not include home country coverage. The tariff AIDWORKER24 includes home country coverage of up to 6 weeks during interim return trips to your home country in case the policy was purchased for a minimum term of 6 months. The tariffs AIDWORKER-PLUS, AIDWORKER-PLUS-DRW and AIDWORKER-EH include insurance cover of up to 4 months or, in exceptional cases, even longer. For details, please refer to the respective tariff’s description of benefits.
The tariffs AIDWORKER24, AIDWORKER24-RK and AIDWORKER24-DR provide cover for pre-existing conditions as long as a treatment could not be reasonably expected when the trip was carried out as scheduled. For example: if an allergy sufferer (diabetic, etc.) takes the necessary medication with him/her for the time of duration of the stay abroad and then suffers an allergic shock caused by different influences in the country of assignment, the respective treatment is covered. The tariffs AIDWORKER-PLUS, AIDWORKER-PLUS-RK, AIDWORKER-PLUS-DRW and AIDWORKER-EH provide co-insurance for pre-existing conditions without limitations within the generally agreed range of services.
No. Any use of motor vehicles is excluded within liability insurance.
Yes, a report can also be made by a third party. Invoices can also be handed in by other people if the reimbursement claim form is filled in and the respective receipts (original invoices) and documents (medical reports, police report, etc.) are attached. You can also hand in invoices during a vacation to your home country or at the end of your assignment when you are back in Germany. If you intend to send your invoices per mail from the country of assignment, we recommend you make copies of the documents before you do so.
Yes, if the agreed maximum term of the insurance for this tariff is not exceeded. Volunteers can click here for a private extension of their existing insurance cover online. All others, please contact DR-WALTER Versicherungsmakler GmbH, Abteilung Gruppenvertrag (Corporate Clients Department), Email: gruppenvertrag(at)dr-walter.com in due time BEFORE their insurance cover expires. In this case, please state the required duration of the extension as well as the bank account from which the premiums are to be debited.
Yes, the liability insurance applies for both private and professional activities. Property damage and bodily injury to third parties are also covered.
Volunteers can purchase a baggage insurance online for their journey at their own expense.
All others, please contact DR-WALTER Versicherungsmakler GmbH, Abteilung Gruppenvertrag (Corporate Clients Department), Email: gruppenvertrag(at)dr-walter.com. You will then immediately receive the respective information and an application form.
Your opinion is important to us!
If you still have unresolved issues or are not satisfied with our service, you can of course contact the relevant specialist department or the complaints management department (sandra.karnstedt-panienka(at)dr-walter.com). You can also reach us via our Contact form. For further information on questions regarding complaint handling, please see our legal notice.