E.I.C. Expatriates Insurance Consulting
Erst-/Statusinformation gemäß § 15 der Verordnung über die Versicherungsvermittlung und -beratung von:
E.I.C. Expatriates Insurance Consulting Versicherungsmakler GmbH
Hammfelddamm 4a, 41460 Neuss
Telefon: 02131-22810 Fax: 02131-228166
Geschäftsführer: Alexander Milkereit
Handelsregisternummer: HRB 62761, Amtsgericht Düsseldorf
Berufsbezeichnung: Versicherungsmakler mit Erlaubnis nach 34d Abs. 1 Gewerbeordnung, Bundesrepublik Deutschland Registernummer: D-4VF5-J8PYU-64
Aufsichtsbehörde und zuständige Behörde für die Erlaubnisse:
Industrie- und Handelskammer Mittlerer Niederrhein Nordwall 39 47799 Krefeld Deutschland
Die Eintragung kann wie folgt überprüft werden:
Deutscher Industrie- und Handelskammertag (DIHK) e.V. Breite Straße 29, 10178 Berlin
Telefon 0180-600-585-0 (tel:+491806005850) * www.vermittlerregister.info * 20 Cent/Anruf aus dem deutschen Festnetz, höchstens 60 Cent/Anruf aus Mobilfunknetzen
Gemäß § 36 VSBG und § 17 Abs. 4 VersVermV teilen wir mit, dass wir verpflichtet und bereit sind an einem Streitbeilegungsverfahren teilzunehmen. Folgende Schlichtungsstellen können angerufen werden:
Versicherungsombudsmann e.V. Postfach 08 06 32, 10006 Berlin www.versicherungsombudsmann.de
Ombudsmann Private Kranken- und Pflegeversicherung Postfach 06 02 22, 10052 Berlin www.pkv-ombudsmann.de
Europäische Kommission Online-Streitbeilegungsplattform (OS-Plattform)
http://ec.europa.eu/consumers/odr Berufsrechtliche Regelungen sind insbesondere:
• § 34 d Gewerbeordnung
• §§ 59 – 68 VVG
Die berufsrechtlichen Regelungen können über die vom Bundesministerium der Justiz und von der juris GmbH betriebenen Homepage www. gesetze-im-internet.de eingesehen und abgerufen werden.
Unsere Tätigkeit beinhaltet auch Beratung.
Art und Quelle der Vergütung
Die Vergütung unserer Tätigkeit erfolgt als:
• in der Versicherungsprämie enthaltene Courtage, die vom jeweiligen Versicherungsunternehmen ausgezahlt wird oder
• als konkret vereinbarte Zahlung durch den Kunden oder
• als Kombination aus beidem.
Dies ist abhängig von den Wünschen und Bedürfnissen des Kunden und den Versicherungsprodukten, welche eventuell vermittelt werden.
Beschwerden sind in Textform an die Geschäftsleitung zu richten und werden im Rahmen unseres Beschwerdemanagements unverzüglich bearbeitet.
Verordnung (EU) 2019/2088 vom 27.11.2019 über nachhaltigkeitsbezogene
Offenlegungspflichten im Finanzdienstleistungssektor
Nachhaltigkeit ist für uns ein wichtiges Thema!
Daher beraten wir unsere Kunden unter anderem auch zu nachhaltigen Kapitalanlagen bei den von uns vermittelten Produkten individuell und persönlich.
Aktuell können diese gut bei fondsgebundenen Produkten durch die Auswahl von ESG-konformen Investmentfonds dargestellt werden. Im Rahmen der individuellen Beratung weisen wir auf erkennbare Vor- bzw. Nachteile hin.
Bei sonstigen Versicherungsprodukten ist derzeit die Betrachtung der nachhaltigen Kapitalanlage im Hinblick auf deren Kapitalstock häufig noch nicht möglich.
Für die Vermittlung von nachhaltigen Kapitalanlagen erhalten wir -und vergüten- regelmäßig die gleichen Vergütungssätze wie für andere Kapitalanlagen auch.
Insurance Solutions – Tailored on the Needs of Global Citizens.
Our Range of Services
All services provided by E.I.C. are completely tailored to the needs of our customers. While from here in Germany we advise our customers by phone, Skype, shared desktop and e-mail, also we travel regularly abroad in order to visit our clients and counsel them in person. This is the only way we can ensure that we remain informed about current developments in the countries of residence and can offer tailor-made coverage policies according to the local needs. Our depth knowledge of the social insurance policies of the countries of origin, as well as numerous special agreements and our own insurance solutions, enable us to ensure that even in the event of longterm activities abroad, no entitlements to social insurances get lost in the shuffle and/or can be replaced and supplemented by private insurances. We regularly hold workshops on these topics, offering you the opportunity to find out all you need to know about the requirements for adequate coverage.
Experience since the 1970s
Merger with the Milkereit Group in 2018
FAQ’s for Expats
Welcome to your new Workplace!
You have taken the plunge and now you face the challenges of your new job abroad. Whether you find yourself in Asia, America or Australia, we know the huge challenge that a new life abroad brings. In addition to looking for a school and a flat, you need to find out which changes affect the employment contract and what consequences the move will have on your taxes.
The crucial question is how best to protect yourself from the greatest risks abroad and beyond. Health and performance are the most important things – especially when projects depend heavily on one‘s own person. If you should fall ill, it is even more important to know that you will get the best possible care, no matter where you are. But even the cultural and legal peculiarities of your new host country can quickly become major challenges. With our many years of experience and close contact with our partners, we – EIC Expatriates Insurance Consulting – provide tailor-made advice and will be happy to guide you on your journey. Our service includes ongoing consultation on all security issues, support in the event of damage, and the adjustment of your insurance coverage to new circumstances.
In addition to our regular trips to offer consultations on site, where we are always […] available for personal discussions, we can offer advice on all communication channels.
Indispensable for any longer stay abroad is an international health insurance with comprehensive coverage. The tariffs offered on the market vary strongly and differ significantly in what they cover. You might already be familiar with European health insurance systems, with nationwide access to doctors, hospitals and rehab facilities, as well as (almost) complete insurance coverage with no limits on insured sums. Naturally, one does not want to give up this standard. For this reason, we attach great importance to the fact that the health insurance concepts offered by us correspond to the European and above all to the German standard. Therefore, to be able to distinguish high-quality protection from mediocre and patchy protection, you should consider each offer for the following:
• No aggregate limit on insurance benefits
• 24-hour worldwide assistance services
• Waiver of waiting times
• Free choice of doctor and hospital
• Direct Billing
The risk of having an accident is unfortunately always present, but in big cities like Shanghai, Delhi or Bangkok with thousands of road
users the danger is even greater. That makes having protection suitable for the personal life situation all the wiser. Here, too, it should first be verified whether a contract already exists and whether it also covers long-term stays abroad. You should also check if there is already a group contract through your employer that you can join at a discounted rate. To find adequate coverage, the following questions must first be clarified:
Are you abroad on your own or with your family? How long will you be abroad? How high should disability and death benefits be? Which assistance services do you need?
In Germany, approximately 1.8 million people receive a disability pension from the statutory pension insurance. But even this limited protection is usually lost during the stay abroad. Your ability to work is the basis for the livelihood of you and your family. Private occupational disability insurance offers comprehensive protection. The services are usually […] provided worldwide. The pension amount and the final age can be adapted to personal needs and personal life planning.
Liability claims can quickly trigger significant burdens. Insurance contracts that were set up back in your home country often have very limited coverage abroad. Often the „worldwide“ coverage is limited to only a few years abroad or may even expire completely when relocating from your home country. That makes it advisable to inform the previous insurance company of stays abroad and to have the insurance coverage confirmed during this time. If this is not possible, we can work with our partners to find solutions for you. Corresponding confirmations should also be obtained for other contracts such as accident, occupational disability, or legal expenses insurance, etc.
Basically, which risks should be covered depends on the personal living conditions. In addition to the insurances mentioned, which form the basis of our own coverage concept, topics such as legal protection, pensions, etc. can also matter to you. Whether you have travelled abroad alone or with your family, whether you have certain hobbies or property that needs to be secured, always plays a role. Let us work together to design your tailor-made coverage concept in a personal conversation.
For international health insurance, we have set-up cooperations with numerous renowned insurance companies. With our group and framework contracts, we offer exclusive services and conditions. For us, however, the focus is on tailored, high-quality and comprehensive insurance protection for you and your relatives. With our offers you can always rely on the following services:
- Waive of annual limits
- Freedom of choice for treating doctors and hospitals
- Co-insurance of Spouses and children possible
- Insurance coverage valid worldwide, as well for stopovers in the home country or travels to the US.
- Direct billing option for costly treatments and inpatient hospital stays
- Unlimited validity (standard and top-tariffs)
- Comprehensive coverage for outpatient and inpatient treatment, return transport to your home country for serious illnesses, dental treatment and replacement (standard- and top-tariffs) as well as pregnancy and childbirth (top tariffs)
|territorial validity||worldwide or worldwide excluding USA||worldwide or worldwide excluding USA||worldwide or worldwide excluding USA|
|Freedom of choice for doctors and hospitals||Yes||Yes||Yes|
|Drugs and dressings||Yes||Yes||Yes, additionally not prescribed medication up to 100 EUR per years|
|Chemotherapy, oncological drugs and treatment (e.g. for cancer patients)||Yes||Yes||Yes|
|Therapies/physiotherapy, including massages||Yes||Yes, partly pre-approval required, as of 20 session pre-approval mandatory||Yes, partly pre-approval required|
|Acupuncture, homeopathy||Yes||Yes. up to 1.000 EUR per year||Yes, up to 5.000 EUR per year|
|Osteopathic & chiropractic treatments||Yes, up to 20 sessions per year||Yes||Yes|
|Psychiatric treatment||Yes, as of 15 sessions pre-approval required||Yes, up to 20 sessions, pre-approval required||Yes, pre-approval required, 10 months waiting period|
|Therapeutic aids and appliances||If needed as a life-saving measure yes, other aids and appliances up to 1.000 EUR per year||Yes, aids and appliances according to catalogue||Yes, aids and appliances according to catalogue|
|Screenings for early detection of illnesses||Yes, recommended screenings in the country of residence||Yes, up to 1.000 EUR per year||Yes, 500 EUR per year|
|Vision aids||Yes, 300 EUR every 2 years||Yes, 200 EUR per year||Yes, 250 EUR per year|
|Vaccinations||Yes||Yes, insofar as these are recommended for the applicable country of residence||Yes, insofar as these are recommended for the applicable country of residence|
|Pregnancy including preventive screenings and childbirth, midwife and obstetric nurse||Yes||Yes||Yes, up to 20.000 EUR. 10 months waiting period|
|Infertility treatment||Not covered||Yes, if both partners are insured under Globality Plan and if certain criterias are matched||Yes, 50% of costs limited to 15.000 EUR for the whole lifetime of the contract and if other certain criterias are matched|
|Transport to the nearest suitable hospital doctor||Yes||Yes, following an accident or an emergency, by an approved emergency service with conveyances appropriate to the situation||Yes, following an accident or an emergency, by an approved emergency service with conveyances appropriate to the situation|
|Congenital Conditions||Yes||Yes||Limited to 200.000 EUR per lifetime|
|Freedom of choice for doctors and hospitals, icnluding head-physician treatment||Yes||Yes||Yes|
|Accomodation in a private or semi-private room||Yes||Yes||Yes|
|Drugs and dressings||Yes||Yes||Yes|
|Therapeutic aids and appliances||If needed as a life-saving measure yes, other aids and appliances up to 1.000 EUR per year||Yes||Yes|
|Therapies/Physiotherapy, including massages||Yes||Yes||Yes|
|Inpatient psychotherapy||Yes, up to 6 weeks||Yes, pre-approval mandatory||Yes, pre-approval mandatory, 10 months waiting period|
|Pregnancy including preventive screenings and childbirth, midwife and obstetric nurse||Yes||Yes, preventive screenings only out-patient||Yes, up to 20.000 EUR per person and years (limit waived in case complications, 10 months waiting period)|
|Caesarian section||Yes, if medically necessary||Yes, if medically necessary||Yes, if medically necessary|
|Rooming-In||Yes, up to the age of 12, additionally 50 EUR hospital daily benefit up to the age of 18, limited to 500 EUR per child and year||Yes, for minors||Yes, up to the age of 18|
|Chemotherapy, oncological drugs and treatment (e.g. for cancer patients)||Yes||Yes||Yes|
|Transport to the nearest suitable hospital||Yes, necessary transport to or from an inpatient treatment to the next appropriate hospital||Yes, following an accident or an emergency, by an approved emergency service with conveyances appropriate to the situation|
|Nursing care at home and domestic help||Yes, following an uninterrupted hospital stay for at least two weeks, limited to 200 EUR per day, limited to 2.800 EUR per person and year||Yes, as substitute for a hospital stay or in order to shorten a hospital stay, limited to 14 days||Yes, as substitute for a hospital stay or in order to shorten a hospital stay, limited to 90 days, pre-approval mandatory|
|Inpatient follow-up rehabilitation||Yes, within two weeks after discharge of hospital, limited to 28 days per hospital stay||Yes, within two weeks after discharge of hospital, limited to 21 days||Yes, within two weeks after discharge of hospital, limited to 35 days per hospital stay, pre-approval mandatory|
|Hospice||Not covered||Yes, up to 7 weeks, pre-approval mandatory||Yes, up to 9 weeks, pre-apprvoal mandatory|
|Congenital conditions||Yes||Yes||Limited to 200.000 EUR per lifetime|
|Screenings for early detection of disorders of the teeth, mouth and jaw, prophylaxis||Yes||Yes, screenings only||Yes, two screenings per year, scaling and polishing|
|Surgery, extractions, root canal treatment||Yes||Yes||Yes|
|Dentures, Implants, Orthodontics||80% without lump sum limited (waiting period 90 days - if treatment necessary due to accident 50% without waiting period)||Yes, up to 5.000 EUR per year and person insured (orthodontics only up to the age of 18), limited to 4 implants per jaw||Yes, up to 5.000 EUR per year and person insured (orthodontics only up to the age of 18), limited to 4 implants per jaw, waiting period 10 months|
|Inclusion of children upon birth||Yes, if one parent is insured for at least 3 months without risk-assessment||Yes, if one parent is insured for at least 3 months without risk-assessment||Yes, if both parents are insured for at least 3 months without risk-assessment|
|24h medical support and assistance, including information on medical infrastructure available in the country of stay||Yes||Yes||Yes|
|Direct Billing||Yes, for outpatient treatments as of an amount of 1.000 EUR, for inpatient treatments||Yes, for inpatient treatments and more expensive out-patient treatments||Yes, for inpatient treatments and more expensive out-patient treatments|
FAQ’s for Impats
Welcome to Germany!
First of all we would like to welcome you to Germany and we hope you will enjoy your time here. We know that moving to a foreign country is a huge challenge – but we are convinced that it pays off. Getting to know a new culture and new and exiting personalities will broaden your horizon and let you gain new experiences. Your host country – Germany – is a well-organized, modern country with a rich historical heritage and great regional diversity.
Still, some aspects of German life might seem to be confusing or even weird to you. For these cases it is helpful to have a domestic guide on your side, helping you to get along with these weirdnesses. For all insurance questions we would like to gladly offer our services as your personal guide.
We – E.I.C. Expatriate Insurance Consulting – are an independent insurance broker with many years of experience in serving international clients. We are offering taylor made solutions in almost any insurance area fitting to your and maybe your families personal needs. Our service comprises the whole quotation and contracting process as well as claims handling and ongoing advice at all stages of life.
Germany has an excellent healthcare system, offering state-of-the-art treatments, great access to doctors, specialists, dentists and hospitals as well as a mandatory health insurance system with comprehensive coverage.
On the other hand, even for Germans, finding a suitable health insurance provider is a complicated task. More than 100 public health insurance funds are accessable in Germany and if you match certain criteria you even have the option to opt out of the public health insurance system and join the private health insurance – offered by again more than 30 private health insurance companies.
Anyway don’t worry. Although our experience shows that finding the perfect matching health insurance is a challenging and very individual task. We will be on your side with deciding which health insurance system – public or private – fits best to your personal needs and future plans as well as with choosing the ideal provider and tariff for you.
Liability Insurances are a big issue in Germany. German law states an unlimited liability for damages you accidentally cause to others. The liability insurances are your protective shield for these cases, they fight back unjustified claims raised against you (or your dependants) and will pay for justified claims, even if the claim for damages is in the millions of dollar or euro.
For certain areas, e.g. for car or dog owners, liability insurance is even mandatory by law, for all the rest a personal liability insurance is at least strongly adviseable.
We had negotiated special conditions for expatriates and can offer comprehensive and reasonable coverages as well as full English speaking support for contracting and of course claims handling.
Being insured for your health expences and liability cases is already half the battle. Beyond this, protecting your personal belongings is likewise important. This coverage can be obtained by a household insurance, covering certain risks (fire, piped water, storm, burglary) or even providing a comprehensive all-risk coverage for all your belongings.
As well in this area we are able to offer reasonable coverages and a full comprehensive service including claims handling and adjusting the coverage according to changed needs or personal situations.
Some people say that Germans are a bit crazy on their insurances and would even buy an insurance against being not insured. This has some basis in truth. The German insurance market indeed offers a bunch of insurances for many certain risks. Which coverages are advisable for you depends on your personal situation, do you have a family or not, do you have special hobbies or own especially touchy or valuable property?
We will assist you with finding out if there is any additional and reasonable coverage for you and will of course tell you if a certain coverage is not worth the money. We can assist you with finding all types of insurance which can help you. We would be glad if we could become your personal insurance guide!