You can apply online or give us a call or contact your broker.

Our multilingual customer care team is available 24/7 to assist you. You can either contact your broker or contact us directly and we would be happy to explain about our products

Yes, information given in the health questionnaire when applying may lead to risk loadings, or certain limitations / exclusions of benefit.

The currency of the contract is EURO and is USD for the USA products

Communication can be carried out in German and English.

PassportCard international private medical insurance policies are insured by AWP Health and Life SA from the Allianz Care Group, the world’s leading provider of international healthcare insurance and administered by PassportCard Deutschland GmbH. PassportCard Deutschland GmbH exclusively sells AWP’s international medical insurance in this line of its business and receives a sales commission from AWP in this respect.

With PassportCard your coverage would not only be limited to the country of destination but to the whole zone of coverage that your country of destination is part of, and to additional (higher in number) zones. For instance, if you purchase a coverage in zone 3, you are also covered in all countries that consist of zone 4.

Yes, you are covered for treatments in Germany during your home visits after starting your relocation, provided that you obtained coverage in zone 3. If your country of destination is located in zone 4, you can choose to purchase coverage in zone 3 as well. In any case, no matter in which zone you are covered, all our customers are covered world wide for 60 consecutive days for emergency (only) treatments during their travels.

Medical service providers are any entity that provides medical services. This typically refers to doctors, clinics, hospitals and laboratories. Our USA products differentiate between treatments provided by in network to out network providers by a different deductible scheme. We offer a great variety of in network providers.

Premiums can be changed according to your age group over the duration of the insurance period and by an update of premium payment to all relevant group members.

Our dedicated team is available 24 hours a day, 7 days a week via phone, Skype, website chat, WhatsApp , email or Facebook messenger.

Yes, you can consult with an experienced medical team member over the phone from the comfort of your home. The service is available 24/7 for free.

Please be aware that travel insurances provide coverage for emergency events only. They are much cheaper than international medical insurance, however it is time-restricted and suitable only for short trips, not for expats who require a full and extensive medical coverage. Please seek advice – either from us or your insurance broker.

In addition, Travel insurance does not qualify as medical insurance for the purpose of visas or studies abroad.

in many cases yes, depends on the plan you choose and the requirements issued by the country of destination.

The insurance fees are determined by the country of destination, the prodcut type, the member’s age group and pre-existing medical conditions.

Your doctors and medical condition alone should determine the need for medical treatment.

You should notify us at least 72 hours before any inpatient medical care, except in the event of an emergency which would require then your update within 48 hours following your hospitalization.

The plans are annually renewable. Yoy will receive a renewal letter 2 months before the renewal.

You can pay monthly by SEPA and credit card only, or by bank wire transfer / credit card for semi-annual and annual payments.

PassportCard is a debit card which enables you to pay for medical services abroad without having to pay out of pocket.

When you require medical services, you no longer have to pay out of pocket. Your PassportCard will pay your expenses. All you have to do is:

1- Call: Call us 24/7 before receiving medical services

2- Load: We will then load funds to your card

3- Swipe: Once your PassportCard is loaded with the requisite cash amount, the medical service provider will be able to swipe the card for payment.

Please note, the card can be used only outside the US.

Please contact the customer service call Centre and we willl issue a new card for you.

You will be required to send us a receipt confirming use of the PassportCard for purchase of medication. If you use other medical services, you don’t need to hand over the bills but you need to keep them with you, as you may be requested to send us the documents for the purpose of quality control and/or further treatment.

There are deductibles only in our products for the US .

Medical conditions which are not covered by the policy are specified in the Table of Benefits “Exclusions and Restrictions”. For example the following medical conditions are not covered: accidents or injuries sustained during military service and selective abortion with no medical grounds.

The expenses for pregnancy, childbirth and all postnatal care including complications, are covered in our Comfort and Premium plans, to the extent mentioned in the table of benefits, and following a 12-months waiting period from your joining date unless underwriting and waiting periods are waived for Group contracts.