Questions & Answers

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.

  • Questions about coronavirus – I have not yet left the country

    Here you will find the most frequently asked questions about the coronavirus.

    • I cannot/do not want to start my journey because of the coronavirus. Is a cancellation of the insurance possible?

      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.

    • I have booked flights and accommodation in my destination country that I cannot cancel. Does my AIDWORKER insurance cover the expenses?

      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.

  • Questions about coronavirus - I have already left the country

    Here you will find the most frequently asked questions about the coronavirus.

    • Does the insurance cover an infection with 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.

    • Are quarantine costs covered by the foreign health insurance?

      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.

    • Will AIDWORKER cover the costs of a corona test?

      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.

    • Does insurance cover continue to exist even if the Foreign Office has issued a travel warning?

      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. 

    • Is insurance cover still available even if corona is 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.

    • My government recommends that I return to my home country. Are travel expenses covered by the insurance?

      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).

    • I am returning to my home country prematurely due to the coronavirus. Does AIDWORKER still provide protection?

      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.

    • If I get infected on the way home, are my costs covered in my home country?

      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.

    • Would you like more information about the coronavirus?

      The Robert Koch Institut provides you with important information about the current coronavirus development: (machine translated from German).

General questions:

  • Which doctor can I consult if I get ill?

    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.

  • Which documents do I have to hand in for reimbursement in case of illness?

    Please provide us with 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)
    Eisenerzstr. 34
    53819 Neunkirchen-Seelscheid

  • What do I have to do in case of a hospital stay?

    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.

  • What do I have to do in case of an emergency?

    In case of an emergency, please call our emergency hotline to clarify cost coverage and, if necessary, to ensure a quick return transport.

  • In which countries does my insurance policy apply?

    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.

  • Under what circumstances am I covered by insurance in my home country?

    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.

  • Which provisions apply for pre-existing conditions?

    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.

  • Does this insurance policy provide me with liability insurance when driving motor vehicles abroad?

    No. Any use of motor vehicles is excluded within liability insurance.

  • Can other people also report damages for me or hand in invoices on my behalf if I am still abroad?

    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 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.

  • Can I extend my insurance cover if I want to stay abroad longer for personal reasons?

    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) 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.

  • Does the policy include co-insurance for damages that I caused while carrying out my activities?

    Yes, the liability insurance applies for both private and professional activities. Property damage and bodily injury to third parties are also covered.

  • Can I also purchase baggage insurance?

    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) You will then immediately receive the respective information and an application form.

  • Praise, questions, criticism or suggestions?

    Your opinion is important to us!

    • Do you feel in good hands with DR-WALTER?

      We would be pleased if you would take the time to write a review on Google, Facebook or Trustpilot. In this way you will not only help us to further improve our service, but also help other customers who are looking for the right insurance.

    • In which areas can we still improve?

      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 ( You can also reach us via our Contact form. For further information on questions regarding complaint handling, please see our legal notice.

Do you require advice?
Your contacts:
Our Corporate Clients team
will be happy to assist

T +49 2247 9194-994
F +49 2247 9194-40