This place has terrible customer service. Granted, I am an English speaker, but this is health insurance for ex-pats, so why no employees (or just one or two) who are fluent in English? Translating letters to German is unnerving, and the people I talk to always have varying levels of English. Additionally, their billing department is all out of sorts. While switching my plan, my customer account number changed. I let them know right away my payment had been made on my old number and asked if they could simply apply it to the new number to show that I paid. They said they would. But then, I got a letter saying I didn't make this payment. I pointed out that I had, and was told everything was fine, and the mistake was on their end. A week later, another letter arrives in the mail informing me that I am overdue and owe a late fee. I contested this and said I paid it, while they said they looked over my account and said I didn't pay. This process went on for about five months. Them saying I didn't pay, me saying I did, them saying they would look into it, then nothing. I then attached copies of my bank statements and transfers and broke down each individual payment, when it was, and what it was for, and sent that in an email. They never responded. I contacted them again by phone, explained my situation for not the first time, and was told they would look into it and call me back the next day. A couple weeks later, no call back, but a letter in the mail saying I still haven't paid. Finally, I wrote an aggressively worded letter in German and sent that by mail, along with copies of email communications with them. A few days later? A sincerely written apology saying that they have fixed the error. It was at this point that I simply ended my coverage with them and switched to another insurance. It just isn't worth the hassle. Overall, I would not recommend Care Concept. The level of coverage is minimal, the employees are non-communicative, and the left hand has no idea what the right is doing. Consider MAWISTA (for ex-pat student insurance) or bite the bullet and pay more for better service and care. read more

I wish I could have read the feedbacks here before I signed up for this insurance. The customer service people are all rude with poor manners. I would not recommend this insurance to anyone, such a pain. Of course they're nice when you are signing up, but when claiming and talking to they're people is such a pain!! read more

If there is 0 star for reviewing, I'd like to give 0 star for them. This insurance company is the hell terrible. Especially their customer service is disappointingly poor. I had an accident and claimed them an reimbursement as soon as possible because the amount of payment was pretty much such as more than 6000 Euro in total. But eventually they paid me 6 weeks later from the day of reimbursement request. And they gave me answers to my emails in the loop just once a week. After I responded to their investigation, request or some these related things on Monday for example, they never had reacted until the next Friday at the earliest. Besides, they requested me to prepare same documents several times. And 1 out of 3 telephone customer service was terribly impolite. If I could back to the day of making contact with them, I'd love to find another insurance company. read more

This company robbed me of more than $4,000 by refusing to pay a valid claim, retroactively voiding my insurance since inception thereby refusing to pay all valid claims from my time being insured by them, and on top of all of that, kept the money I'd been paying to them monthly despite their having nullified my contract. To add insult to injury, their customer service was both reprehensible and heinous as they yelled at and were openly flippant with me. No one expects insurance companies to be great, but I have never in my life seen such a clear demonstration of fraud and such a complete lack of care or compassion demonstrated by multiple personnel with a customer care department. Avoid this "insurance" company at all costs, and if you have them now, do not think you are in any way secured - I highly suggest canceling your contract and moving on. read more

I am a Chinese student in Munich that choosing Care Concept as my student insurance. I have also been to hospital several times, the reimbursement is quite convenient and fast. And when I have anything unclear, there is a colleague in Care Concept who speaks Chinese to me and is really kind and patient. I thank her very much!! read more

I have made a contract with them. By the mistake they charge me wrong amount of money. And I wrote email them to refund it. However nobody reply. I called them and a guy told me to write email and I did many times. But nobody reply yet. Even I wrote email to them sometimes in the past. But reply is always very late and they do not make action even it about money. So, I have some amount of money which have not been refunded. I do not recommend this insurance. read more

I currently use the health insurance company for working holiday visa in Germany. And I just got upset and very disappointed by them. The customer service is very bad and the staff can't communicate properly at all. After I went to see a woman doctor, I asked the health insurance company to transfer the bill to there. And they recommended me to pay the bill in advance because the processing will take 3 weeks to get my case done so transferring the bill will be late.( the bill had to be transferred to the doctor within 2 weeks). So I transferred the bill to the woman doctor in advance and told the health insurance company about that. Since then they said they transferred the money to me (I checked my account and I haven't got transferred.) And in a few days later, they sent the email that they transferred the bill to the woman doctor! I said I already transferred the money to the woman doctor in advance as they recommended me to do so. I still haven't got my money back because they transferred the money to the doctor which was supposed to send to my bank account.. I asked them to transfer the money but none of them replied correctly to my message. And finally they replied to me and said "Unfortunately, your notification crossed in the post with our payment. The bank transfer has already been made to the issuer of the invoice. For future reference, we recommend keeping a note of whatever bills you submit to us so that we can avoid this kind of double payment in future." I became just speechless ...and they even didn't apologize to me.. Although they recommended me to pay in advance and I transferred the money earlier like a week ago, they keep saying those which totally doesn't make sense... They don't share customer information( my emails at all) and always the person who sent email changes of course those things happen.. So now I understand why the health insurance is cheaper than others. So if you are thinking weather you get the health insurance from the company i won't recommend you and you totally should have proper one even it's a bit expensive than this( If you want to avoid those troubles). I would have had other health insurance. read more

Horrible company. I had been diagnosed with cancer when I was staying in Europe and insured by these thieves. I had left for my own country to get treatment the very same day, although, theoretically I could have stayed and have them pay for my treatment (a conservative estimate: 200,000 Euros for operation, chemo, radiation, biological treatment and supportive therapy) . They wouldn't pay me back the 250 Euros it cost me to get diagnosed, because I asked after more than 31 days. In fact I waited for 2 years because I bloody had CANCER to deal with. Keep away. read more