Travel Insurance · WorldwideInsurance Comparison 2026
MAWISTA ReiseCare vs. Care Concept Care Global vs. PROTRIP-World
An independent side-by-side comparison covering benefits, costs, and coverage details.
Based on official policy documentsUpdated September 2026Independent comparison
01Side by side
Features compared
| Feature | MAWISTA ReiseCareView Details | Care Concept Care GlobalView Details | PROTRIP-WorldView Details |
|---|---|---|---|
| Cost & Price | |||
| Monthly price (from) | from €1.35/day | from €0.95/day (€1.30/day if taken out after departure) | from €29.40/month (under 30, educational stay within the EU, bought before departure); from €117/month if bought after departure |
| Maximum durationLongest period the policy can run | Up to 365 days (minimum 10 days) | Up to 12 months (6 months when concluded from abroad) | Up to 12 months per contract; if your stay is extended, a follow-on policy can be applied for (it covers only new cases) |
| 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 | Pain-relieving dental treatment and simple repairs up to €250 | See provider — emergency/pain-relief dental treatment scope varies by tariff | Pain-relieving dental treatment incl. simple fillings up to €500 per case |
| Dental annual budgetMaximum 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 | Psychotherapeutic and psychoanalytic treatment is excluded | 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 abroadCan you sign up after you have already left your home country? | Yes — can be taken out while already abroad | Yes — within 30 days of leaving Germany or Austria (later only if a previous health insurance ended no more than 30 days before the start); maximum term 6 months, higher premium, no extension | Yes — can be taken out while already abroad (Protrip World Traveler rates, from €117/month); illnesses are then covered after a 14-day waiting period, accidents immediately |
| Suitable as a follow-on policyCan bridge the gap after another policy ends. | Yes — suitable as a follow-on (Anschluss) policy after a prior cover ends | Yes — after another travel health insurance that ended no more than 30 days earlier (max 6 months; only illnesses arising after the application are covered). A Care Global contract taken out before departure can be extended once by up to 6 months | Yes — suitable as a follow-on (Anschluss-/continuation) policy when an existing cover ends abroad |
| No home-country residence requiredYou do not need a registered residence in your home country to qualify. | Yes — can be concluded from abroad | No — a permanent residence in Germany or Austria is required (EEA residence under the policy terms) | Yes |
| Retroactive enrollmentCan you sign up after your start date? | Better | ||
| 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 (minimum 10 days) | Up to 12 months (6 months when concluded from abroad) | Up to 12 months per contract; if your stay is extended, a follow-on policy can be applied for (it covers only new cases) |
| Service & Extras | |||
| Visa compliant | |||
| Visit MAWISTA ReiseCare→ | Visit Care Concept Care Global→ | Visit PROTRIP-World→ | |
Cost & Price
Monthly price (from)
from €1.35/day
from €0.95/day (€1.30/day if taken out after departure)
from €29.40/month (under 30, educational stay within the EU, bought before departure); from €117/month if bought after departure
Maximum duration
Longest period the policy can run
Up to 365 days (minimum 10 days)
Up to 12 months (6 months when concluded from abroad)
Up to 12 months per contract; if your stay is extended, a follow-on policy can be applied for (it covers only new cases)
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
Pain-relieving dental treatment and simple repairs up to €250
See provider — emergency/pain-relief dental treatment scope varies by tariff
Pain-relieving dental treatment incl. simple fillings up to €500 per case
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
Psychotherapeutic and psychoanalytic treatment is excluded
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 after you have already left your home country?
Yes — can be taken out while already abroad
Yes — within 30 days of leaving Germany or Austria (later only if a previous health insurance ended no more than 30 days before the start); maximum term 6 months, higher premium, no extension
Yes — can be taken out while already abroad (Protrip World Traveler rates, from €117/month); illnesses are then covered after a 14-day waiting period, accidents immediately
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 — after another travel health insurance that ended no more than 30 days earlier (max 6 months; only illnesses arising after the application are covered). A Care Global contract taken out before departure can be extended once by up to 6 months
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
No — a permanent residence in Germany or Austria is required (EEA residence under the policy terms)
Yes
Retroactive enrollment
Can you sign up after your start date?
Better
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 (minimum 10 days)
Up to 12 months (6 months when concluded from abroad)
Up to 12 months per contract; if your stay is extended, a follow-on policy can be applied for (it covers only new cases)
Service & Extras
Visa compliant
02FAQ
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 — if ReiseCare starts seamlessly when your previous travel health insurance (valid since you entered the country) ends, there is no waiting period. If you take it out after entering the country without such seamless prior cover, a 7-day waiting period applies: illnesses are covered from 0:00 on day 8, accidents from the first day of cover.
Yes. ReiseCare can be taken out before departure or after arrival abroad, for 10 to 365 days. The premium is €1.35 per day for ages 0–64 excluding the USA/Canada (€4.00 per day including them; €6.50/€20.00 for ages 65–80), with no deductible. Without seamless prior cover, illnesses are covered only from day 8. A retroactive start can be requested with proof of your previous insurance; treatment that began before the application is not covered.
Yes, within limits. You can take out Care Global within 30 days of leaving Germany or Austria; after that only if you had a previous health insurance abroad that ended no more than 30 days before the requested start. After more than 24 months abroad it is no longer possible. Taken out from abroad, the maximum term is 6 months, the premium is higher and the contract cannot be extended. A permanent residence in Germany or Austria is required.
Care Global is paid as a one-off premium per day, depending on entry age, tier, region and whether you buy before or after departure. For ages 0–30, worldwide excluding USA/Canada/Mexico: Basic €0.95/day (€1.30 after departure), Comfort €1.30/day (€1.70 after departure). Including USA/Canada/Mexico, prices start at €2.40/day (Basic, before departure). The minimum premium is €8. Basic has a €50 deductible per insured event; Comfort has none.
Up to 12 months if you take out the policy before leaving Germany or Austria. It can then be extended once by up to 6 months through a follow-on contract, which the insurer can decline and which costs more. If you take out Care Global from abroad, the maximum term is 6 months and it cannot be extended.
Care Concept states that its policy documents (also issued in English) can be used for visa applications and that Care Global Amerika — the variant with cover in the USA, Canada and Mexico — meets the requirements of the US J-1 Exchange Visitor program. Other embassies set their own rules, so check the requirements of the relevant embassy or immigration authority before applying.
Yes, within limits. Care Global can follow on from another travel health insurance that ended abroad no more than 30 days before the requested start, for a maximum of 6 months; only illnesses and accident consequences that arise after the application are covered. An existing Care Global contract can be extended once by up to 6 months, but only if it was first taken out before departure from Germany or Austria.
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