German Care Health Insurance

An independent review by our team of experts.

Review summary

German Care

German Care International is a member of the HanseMerkur Group, which is established in Hamburg, Germany.

In 2015, German Care expanded to the UAE and is registered with the UAE Insurance Authority. It has partnered with Emirates Insurance Company PSC and National General Insurance Company PSC to provide its clients with the best service.

Overview

German Care provides medical insurance to individuals and businesses in the UAE.

Individual medical insurance plans:

Executive

  1. Policy year maximum plan benefit AED1,835,000
  2. Coverage area – worldwide (excluding USA, Canada, Japan & Singapore)
  3. Outside of coverage area – 30 days (accumulated) life threatening emergency cover in USA, Canada, Japan & Singapore)
  4. Inpatient and outpatient benefits
  5. Dental & optical care

Additional Benefits include:

  1. Pre-existing conditions
  2. Congenital conditions
  3. Degenerative conditions
  4. Local air & road ambulance
  5. Return transport to place of residence or repatriation of mortal remains
  6. Doctor's travel expenses
  7. Nursing at home
  8. Diagnostic tests
  9. Visiting doctors fees
  10. Work-related injuries
  11. Guardian’s accommodation
  12. Accommodation of companion
  13. Hearing and vision aids
  14. Vision correction by surgeries and laser
  15. Road traffic accidents
  16. International emergency assistance

Superior

  1. Policy year maximum plan benefit is unlimited
  2. Maternity paid in full
  3. All the above plus
  4. Prescribed medical aids (as part of additional benefits)
Group medical insurance plans

Standard

  1. Annual limit – AED250,000
  2. Coverage area – Arab countries, South-East Asia & Indian Subcontinent
  3. Outside area – Insurer’s home country during visits up to UAE network rates (excluding USA, Canada, Japan & Singapore)
  4. Inpatient and outpatient benefits
  5. Dental & optical care (optional)

Additional benefits include:

  1. Pre-existing conditions
  2. Congenital conditions
  3. Degenerative conditions
  4. Local air & road ambulance
  5. Return transport to place of residence or repatriation of mortal remains (optional)
  6. Nursing at home (optional)
  7. Diagnostic tests
  8. Work-related injuries
  9. Guardian’s accommodation
  10. Accommodation of companion
  11. Hearing and vision aids
  12. Vision correction by surgeries and laser
  13. Road traffic accidents
  14. International emergency assistance

Executive

  1. Annual limit – AED1,835,000
  2. Coverage area – worldwide (excluding USA, Canada, Japan & Singapore)
  3. Outside area – 30 days (accumulated) life threatening emergency cover in USA, Canada, Japan & Singapore)
  4. All the above as offered for the standard plan

Additional benefits include:

  1. All the above plus
  2. Doctors travel expenses
  3. Visiting doctors fees

Superior

  1. Policy year maximum plan benefit is unlimited
  2. Maternity paid in full
  3. Same as above plus
  4. Dental

Additional benefits include:

All of the above

For a complete list of benefits with details and limitations under the above plans, please refer to the brochures in the resources section, or contact us for more detailed information.

The pros

  • Partnered with Neuron and Nextcare as third party administrators 
  • Neuron and Nextcare offer great mobile apps
  • Financially stable, backed by Hansemerkur Group
  • Renal dialysis, organ transplants and congenital conditions covered in full on all plans
  • Ability to change limits on the business plans
  • Flexible for customers

The cons

  • Relatively small compared to other insurers
  • Not competitive for large corporates
  • No international presence or networks
FAQs
Which hospitals, clinics and pharmacies can I have access to if I am insured with German Care?

Please refer to the brochure in the additional resources section below.

How long does it take for a claim to be processed?

After submitting a claim, reimbursements can be expected within 10-15 working days.

How do I submit a claim?

For claim submission, email scanned copies of claim documents to NGIReimb@nextcarehealth.com

You can also submit claims through the Nextcare and Neuron mobile apps available on the App Store or Google Play store.

Can I review the status of my claim online? What are the other ways to follow up?

Yes, you can review the claim status via the Nextcare and Neuron mobile apps available on the App Store and Google Play stores.

Alternatively, you can email claimscommunication@nextcare.ae to follow up on your claim.

If you have any questions, feel free to call their UAE helpline on +971 4 270 8800.

Customer reviews
Pleased overall

German Care stood out for us because of the extensive coverage included as standard. We've found insuring with them straightforward, and whilst perhaps fees are lesscompetitive than we would have liked, we're happy for the extra spend because of the extent of cover.

 

Expert verdict
Expert Assessment of German Care

We like German Care as they are one of the few insurers that focus on ensuring members are covered for severe conditions and situations, such as congenital, organ transplants and dialysis. Other insurers offer this cover as part of additional benefits.

As they’re backed by Hansemerkur they have a high financial stability rating, and therefore never run into issues with defaults on payments. Even though German Care is fairly new to the UAE market, they acquired an existing established local company, Expat Services, that has enabled them to hit the ground running.

German Care is still a small scale business, and as such they’re slightly averse to taking on risks. This often leads to higher fees for existing conditions when compared to other providers. Although on the plus side, this means a stable portfolio and their increases are generally below the market inflation.

Overall customer service is very good, with quick response times and an easily accessible team.

If you are a business owner or HR professional in the UAE, you’re looking to save money on your employee benefits package and reduce your company medical insurance costs, we will review your current plans and related expenses. Please contact us or call us on +971 (0) 4559 4900.

At AES International, we focus on providing long-term solutions, tailored to an individual organisation’s needs, to help you improve overall employee wellness, drive up productivity and engagement, and enable you to manage your corporate medical insurance spend year on year.

“Thank you AES International for helping me and my family with your low cost no-nonsense approach. It is refreshing!”

Kristian Petersson

“With this sort of service you also expect to be paying very high fees, but it’s just not the case. I would definitely recommend AES.”

Jake van den Dries

“In the short time that I’ve been using AES I’ve made nearly ten thousand pounds and couldn’t be happier!”

Jackie Pym

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