Insurance Comparison 2026
MAWISTA ReiseCarevs.Care Concept Care Globalvs.PROTRIP-World
An independent side-by-side comparison covering benefits, costs, and coverage details.
✓ Based on official policy documents ✓ Updated June 2026 ✓ Independent comparison
| Feature | MAWISTA ReiseCare View Details | Care Concept Care Global View Details | PROTRIP-World View Details |
|---|---|---|---|
| Cost & Price | |||
| Monthly price (from) | | | |
| Maximum duration Longest period the policy can run | Up to 365 days | Up to 12 months (6 months when concluded from abroad) | Up to 2 years |
| Core Coverage | |||
| Outpatient care | Medically necessary outpatient treatment covered — see provider for exact terms | Outpatient treatment covered | Outpatient treatment covered |
| Hospital / inpatient | Inpatient hospital treatment covered — see provider for exact terms | Inpatient hospital treatment covered | Inpatient hospital treatment covered |
| Dental care | Emergency dental treatment for acute pain relief — see provider for limits | See provider — emergency/pain-relief dental treatment scope varies by tariff | Emergency/pain-relief dental treatment covered — see provider for exact limits |
| Dental annual budget Maximum dental reimbursement per year | See provider | See provider | See provider |
| Medication | Prescribed medication during acute treatment — see provider for limits | Prescribed medication covered as part of treatment; see provider for limits | Prescribed medication covered |
| Mental health / psychotherapy | See provider | See provider — scope of psychiatric/mental-health benefits varies by tariff | See provider for scope of psychiatric / mental-health cover |
| Pregnancy & maternity | See provider | See provider — coverage for pregnancy/childbirth depends on tariff and conditions | See provider for scope of pregnancy and childbirth cover |
| Vision (glasses/contacts) | See provider | See provider | See provider |
| Repatriation / medical transport | | | |
| Flexibility | |||
| Concludable from abroad Can you sign up while still outside your destination country? | Yes — can be taken out while already abroad | Yes — once, for up to 6 months after the trip has started | Yes — can be taken out while already abroad, after departure from your home country |
| Suitable as a follow-on policy Can bridge the gap after another policy ends. | Yes — suitable as a follow-on (Anschluss) policy after a prior cover ends | Yes — but only if the initial contract was concluded in Germany or Austria | Yes — suitable as a follow-on (Anschluss-/continuation) policy when an existing cover ends abroad |
| No home-country residence required You do not need a registered residence in your home country to qualify. | Yes — can be concluded from abroad | Initial contract requires EEA residence; from-abroad conclusion is then possible | Yes |
| Retroactive enrollment Can you sign up after your start date? | | | |
| Continued treatment after contract end (Nachhaftung) An acute case stays covered after the policy ends, until you are fit for transport. | | | |
| Maximum duration | Up to 365 days | Up to 12 months (6 months when concluded from abroad) | Up to 2 years |
| Service & Extras | |||
| Visa compliant | | | |
| Visit provider → | Visit provider → | Visit provider → | |
Cost & Price
Monthly price (from)
Maximum duration
Longest period the policy can run
Up to 365 days
Up to 12 months (6 months when concluded from abroad)
Up to 2 years
Core Coverage
Outpatient care
Medically necessary outpatient treatment covered — see provider for exact terms
Outpatient treatment covered
Outpatient treatment covered
Hospital / inpatient
Inpatient hospital treatment covered — see provider for exact terms
Inpatient hospital treatment covered
Inpatient hospital treatment covered
Dental care
Emergency dental treatment for acute pain relief — see provider for limits
See provider — emergency/pain-relief dental treatment scope varies by tariff
Emergency/pain-relief dental treatment covered — see provider for exact limits
Dental annual budget
Maximum dental reimbursement per year
See provider
See provider
See provider
Medication
Prescribed medication during acute treatment — see provider for limits
Prescribed medication covered as part of treatment; see provider for limits
Prescribed medication covered
Mental health / psychotherapy
See provider
See provider — scope of psychiatric/mental-health benefits varies by tariff
See provider for scope of psychiatric / mental-health cover
Pregnancy & maternity
See provider
See provider — coverage for pregnancy/childbirth depends on tariff and conditions
See provider for scope of pregnancy and childbirth cover
Vision (glasses/contacts)
See provider
See provider
See provider
Repatriation / medical transport
Flexibility
Concludable from abroad
Can you sign up while still outside your destination country?
Yes — can be taken out while already abroad
Yes — once, for up to 6 months after the trip has started
Yes — can be taken out while already abroad, after departure from your home country
Suitable as a follow-on policy
Can bridge the gap after another policy ends.
Yes — suitable as a follow-on (Anschluss) policy after a prior cover ends
Yes — but only if the initial contract was concluded in Germany or Austria
Yes — suitable as a follow-on (Anschluss-/continuation) policy when an existing cover ends abroad
No home-country residence required
You do not need a registered residence in your home country to qualify.
Yes — can be concluded from abroad
Initial contract requires EEA residence; from-abroad conclusion is then possible
Yes
Retroactive enrollment
Can you sign up after your start date?
Continued treatment after contract end (Nachhaftung)
An acute case stays covered after the policy ends, until you are fit for transport.
Maximum duration
Up to 365 days
Up to 12 months (6 months when concluded from abroad)
Up to 2 years
Service & Extras
Visa compliant
FAQ
Frequently Asked Questions
Yes. Thanks to the Nachhaftung (post-contract liability) provision, treatment that began while you were insured continues to be covered after the contract ends — until you are fit for transport. This means an acute case you are already being treated for will not be cut off the moment the policy expires.
No waiting period applies if ReiseCare follows on seamlessly from your previous insurance, i.e. with no gap in cover. A waiting period only applies if there is a gap after your prior policy ended — in that case a 7-day waiting period applies, and it covers accidents only during those first 7 days.
Yes. ReiseCare is designed to be concluded from abroad, so you can apply even if you are already in your destination country. A retroactive start is also possible under the provider's conditions. Confirm the exact terms, prices and maximum duration directly with the provider before applying.
Care Concept offers flexible travel health tariffs that can suit people who are already abroad or starting a stay soon, but eligibility depends on the specific tariff and your circumstances. Confirm directly with the provider whether you can conclude or continue this insurance from abroad before relying on it.
Exact prices are not listed here because they vary by age, duration, destination and the selected tariff. Check the current rate directly with Care Concept for a binding quote.
The maximum insured period depends on the chosen tariff and your category of stay (e.g. student, language course, working holiday). Confirm the maximum duration with the provider for your situation.
Visa acceptance is not confirmed for this tariff and varies by country. If you need insurance for a visa application, verify the specific requirements of the relevant embassy or immigration authority and confirm acceptance with the provider before applying.
It may be suitable as a follow-on policy when an earlier insurance ends while you are abroad, but this is not guaranteed. Confirm eligibility and any conditions directly with Care Concept.
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