A medical incident during a stay abroad can be unsettling – especially if the local healthcare system is still new. International students, scholarship holders and visiting academics in Germany are often faced with questions in the event of illness: Where do I turn? Who covers the costs? And what benefits does health insurance cover? With a suitable tariff from IHC Company S.A., this situation can be mastered safely and well organized.
First symptoms: Observe and visit a pharmacy if necessary
For mild symptoms – such as a cold, headache or gastrointestinal problems – it is often sufficient to take it easy and use medication from the pharmacy. Pharmacies in Germany offer expert initial advice and over-the-counter preparations to alleviate symptoms.
Seeing a doctor: when, where and how?
If the symptoms worsen or do not improve within a few days, it is advisable to see a doctor. Appointments can be easily arranged online via platforms such as Doctolib or Jameda. Many doctors also offer video consultations and advice in foreign languages.
As part of its tariffs, IHC Company S.A. allows free choice of doctor for all practices that bill privately. This gives you a high degree of flexibility in your choice of medical providers.
Treatment costs:
IHC Company S.A. offers health insurance tariffs specially tailored to international students, scholarship holders and visiting academics. In the event of illness, billing is usually as follows:
- treatment and payment: After the visit to the doctor, insured persons receive an invoice, which they initially pay themselves.
- submission of documents: The paid invoice is submitted digitally to IHC Company S.A. together with proof of payment. Important: With FlexMed, invoices and documents are submitted via the AXA Customer Online Portal
- reimbursement: After verification, reimbursement is made in accordance with the conditions of the selected plan. Important: With FlexMed, reimbursement is made directly by AXA.
Note: To ensure rapid processing, the invoices submitted should contain the following information:
- Name of the person treated
- Date of treatment
- Diagnosis
- Detailed description of services
Pharmacy receipts for medically prescribed medication can also be submitted for reimbursement.
Behavior in an emergency
In acute medical emergencies (e.g. accidents or sudden severe pain), the following applies
- Emergency number 112 for ambulance and first aid
- 116 117 for the medical on-call service outside regular consultation hours
- Direct visit to the emergency room in the nearest hospital
- Emergency treatment is generally reimbursed in full under the IHC tariffs, provided it is medically necessary.
IHC Company S.A. offers various tariffs that are tailored to the needs of international guests in Germany:
Tarif ISHCP – International Science HealthCare Plan
- Target group: International students, scholarship holders, doctoral candidates, language students and visiting researchers
- Duration: Stays up to a maximum of 4 years
- Benefits: Comprehensive cover in the event of sudden illness (provided there is no pre-existing condition) and accidents – including outpatient and inpatient treatment, medication and repatriation.
- Premium: From EUR 60.00 per month
Tarif ISHCP-STT – Short Term Travel HealthCare Plan
- Target group: Foreign guests with short stays of up to 3 months
- Duration: Stays up to a maximum of 3 months
- Benefits: Basic health insurance cover for short-term stays
- Premium: From EUR 1.90 per day
Tarif FlexMed Global Impat
- Target group: Scholarship holders from organizations such as the Max Planck Society, the Alexander von Humboldt Foundation and others
- Duration: 3 to 60 months
- Benefits: Comprehensive health insurance cover, adapted to the requirements of specific scholarship programs
- Premium: For example, from EUR 188.86 per month for 20-year-old insured persons
These tariffs are recognized by German authorities and universities and offer reliable insurance cover for international guests during their stay in Germany.
Advantages at a glance:
- Tariffs are recognized by universities and immigration authorities
- Flexible terms and transparent conditions
- Digital processing and multilingual customer service
- Quick policy can also be taken out before entering the country
Illness abroad is always a challenge – which makes it all the more important to have reliable insurance cover you can rely on.
IHC Company S.A. supports international students, scholarship holders and visiting academics in Germany with tailor-made tariffs, transparent benefits and personal advice. This means that medical care remains reliable and predictable even when you are far from home.
Are you planning a stay in Germany or do you need a suitable health insurance solution? We will be happy to advise you and help you find the plan that suits your situation.
