The Insurer

Special arrangements can be made for a temporary stay abroad outside Europe. Under the terms of the pattern, it is accordingly so that the sick will be payable only at a hospital. This has a certain protection purpose of the insurance community. Who wants to pay an “extended” holiday on insurance? Here some companies but their conditions also improve, for example by en waiver on the word ‘public’ or the inclusion of already existing diseases at departure. It is problematic but for non-European foreign countries, at least if here is no agreement. And “can” means yes don’t “have to”. How is it now to refuse service in the above mentioned case? The insurer became aware that the customer is not at home stopped in this case your visit and relied on the corresponding statements in the Insurance terms and conditions. There we find following restriction in article 5: (1) no obligation is incapacity f) if the insured person doesn’t adhere to their habitual residence in Germany, except that it is without prejudice to paragraph 2 in medically necessitated hospital treatment (cf.

section 4 para. 8 and 9). The insured person in Germany will be unable to work, outside of habitual residence as the sickness allowance is also, as long as the illness or health consequences preclude a return to medical findings; The insurer was and is here in the law. A performance requires the presence of the “habitual residence”. It is not possible, as in this case, to dwell with the sister on the lake or to reside elsewhere (except in hospitals). Sense this constraint is the 1 again) Inability of the company control and 2) the question to want to pay here no vacation. However, there is Disease pictures, for which this would be useful.

Respiratory problems or skin diseases, sea air can be quite useful. Go but without consent (not written) of the insurer to forfeit your entitlement to sickness allowance. Even if you reside elsewhere, and there fall ill, so you have to go back as soon as possible. Only if this is not possible from a medical standpoint, only the claim continues to apply and you get sick. There are exceptions to this rule? Yes. There are companies which have committed here in the conditions to better regulations. It is possible in Germany otherwise to reside, if this is notified to the insurer in writing after the latest changes, inter alia in the hospital per diem of Halle health insurance. Exactly in such cases should be enabling, which make easier the recovery just conveying or it for the sufferers, because it is for example not alone at home. What can I do if my insurance company does not offer it? Change the conditions could not be and also individual additions are not possible. State of health allows it and makes it economically because of age meaning (yet), so you can check whether a separation of insurance and hospital daily allowance insurance (KT) is possible. While the health insurance remains as it is, the sickness allowance can be newly insured at another company. However, not every company is willing and able, because many have not “solo” the sickness allowance (i.e. without there existing health insurance”to. However, this alone should be a criterion, because here are many selection criteria to keep in mind.