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Comprehensive
German Health Insurance
Students enrolled in the
JYM program become insured by a German health insurance carrier
(TKK, Techniker
Krankenkasse) which meets the requirements set by the LMU Munich
for the admission of foreign students to the university, as well
as the requirements needed for students to receive the residency
permit which allows them to live in Germany.
Using
a German health insurance carrier has many advantages and benefits
beyond basic health or travel insurance. Coverage includes both
medical and dental treatment (incl. regular check-ups), as well
as medications, bandages, medical aids, hospitalization, and medical
treatment during rehabilitation. TKK insurance, however, does not
cover repatriation in the event of death (see ISIC
below).
Insurance
when Travelling outside Germany
TKK insurance also covers students for medical, dental, and hospitalization
expenses when they travel outside Germany (within the EU and in
countries which have agreements with Germany), but ONLY if they
take with them a "certificate of insurance for use outside
of Germany" (Auslandskrankenschein) which can be obtained
at TKK offices for a nominal fee.
Since
students often decide at the last moment to travel outside Germany,
we recommend they purchase the supplementary ADAC Auslands-krankenschutz
upon arrival in Munich (about $15) which is valid for the entire
year instead of obtaining a certificate each time they wish to travel
outside Germany. Information will be provided during orientation
in Munich.
ADAC
Auslandskrankenschutz
JYM strongly encourages all students to purchase supplemental ADAC
insurance which is honored everywhere except Germany and the student's
country of citizenship. For about $15, students are covered for
the entire year. Each time students leave Germany, they are covered
for 45 days. ADAC (the German equivalent of the AAA) has a 24-hour
hotline and translation service. Information on how to obtain ADAC
insurance is provided during orientation.
International
Student Identity Card (ISIC)
We strongly recommend that students obtain the International Student
Identity Card before they leave for Germany. In addition to the
many student discounts made possible by having this card, purchase
includes a basic medical plan for emergency evacuation and repatriation
of remains. The ISIC can be purchased for about $22 through the
ISIC website (http://www.myisic.com).
Many university study abroad offices also may issue the ISIC.
Additional
Accident Insurance
For students who desire additional accident insurance, the following
US carrier offers a policy specifically designed for study abroad
students, and is used by many reputable US programs:
CISI - Cultural Insurance Services International (A subsidiary of
AIFS - the American Institute for Foreign Study)
River
Plaza
9 West Broad Street
Stamford CT 06902-3788
tel.
1-800-303-8120
www.culturalinsurance.com
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