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Care Concept AG (Bonn, Germany)

Care Expatriate (Basic/Comfort/Premium); student line: Care College

Last verified June 10, 2026 Reviewed by Henry van de Vorming Check current price (opens in a new tab)
Type
Long-stay travel insurance
Price from
€58 /mo
EUR 58/month = Care Expatriate Basic, entry age 13-40 (covers a 30-year-old), region worldwide excluding USA/Canada/Mexico, EUR 150 annual deductible (official premium table, care-concept.de/expatriates.php). Worldwide incl. USA/Canada/Mexico: from EUR 145/month. Comfort from EUR 63 (EUR 500 deductible), Premium from EUR 109 (EUR 1,000 deductible; EUR 0 deductible option at EUR 181). Students/language students aged 30+ can instead use Care College Basic at EUR 33.50/month (months 1-24, EUR 120 annual deductible; EUR 27.50 if under 30; rates rise from month 25). All prices are native EUR; no currency conversion needed.
Maximum age
74
Coverage maximum
No overall maximum indemnity is stated on the official product pages or FAQ; medically necessary outpatient, inpatient and dental treatment plus medical repatriation are covered subject to per-benefit sub-limits (e.g. psychotherapy EUR 500/1,000/1,500 per year by tier; Basic dental treatment capped at EUR 600/year; repatriation of remains up to EUR 25,000). Care College page states coverage exceeds EUR 30,000 ("Von den Behoerden anerkannt, mehr als 30.000 EUR Deckung"). Exact aggregate caps, if any, are defined only in the AVB policy conditions (not fully reviewed).
Home-country visits
Covered
Schengen €30k compliant
Yes

Strengths

  • Contract terms from 3 months up to 5 years; max entry age 74 (Care Expatriate); Germans/Austrians abroad can re-extend repeatedly until their 74th birthday
  • Home-country visits insured: 30 (Basic) / 45 (Comfort) / 90 (Premium) days per insurance year
  • Official insurer FAQ states products generally meet Schengen visa requirements; instant online confirmation issued at booking and products are recognized by German authorities (>EUR 30,000 coverage)
  • Cheaper student line Care College (language students/students, entry age up to 40) from EUR 27.50/month (under 30) or EUR 33.50/month (30+)

Limitations

  • Travel-medical style product with per-benefit sub-limits, not a full private health insurance (e.g. Basic tier: no dental prosthetics, dental treatment capped at EUR 600/year, no preventive check-ups)
  • Annual deductible on cheapest tariffs (EUR 150 Care Expatriate Basic; EUR 120 Care College Basic); zero deductible only available in the Premium tier (Expatriate) or Comfort/Premium (College)
  • USA/Canada/Mexico coverage costs roughly 2.5x more (Expatriate Basic from EUR 145/month) and is entirely excluded from Care College
  • Insurer FAQ flags Switzerland as an exception to visa suitability; premiums jump sharply for entry ages 61-74 (Basic from EUR 246/month)

Visas this plan qualifies for

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Links to Care Concept AG (Bonn, Germany) may be affiliate links — how we earn. Product facts come from the insurer’s official documents (sources below), not from reviews.

Sources