1. Contractual cover
Does the written offer name the treatment, its limits, waiting periods, special terms, deductible and geographical area of cover?
Check benefits clearly
Which benefit areas PassportCard names, depending on the plan.
Outpatient, inpatient, medication, dental and preventive care: we separate confirmed public information from the points only your offer and policy wording can answer conclusively.
Two levels, two questions
Being covered is not the same as making a payment.
Read your offer in this order: does it answer the benefit question first and then identify the intended payment route?
2. Payment route
Which route do the documents state for that benefit: card, guarantee of payment or submission of documents for reimbursement?
Benefit check before applying
What the public overview confirms — and what your offer must answer.
The provider overview names benefit areas, but it is not a complete promise of cover for every person and plan. Use these six checks when reading the written offer.
- 01Named publicly
Outpatient and inpatient treatment
PassportCard names outpatient and inpatient treatment in its public product overview as plan-dependent benefit areas.
What to check: Benefit limits, required prior approval, reimbursement basis and inpatient accommodation.
Source and review date
PassportCard: product overview · FAQ ‘What medical services are covered?’
Plan: not specified, explicitly plan-dependent · Zone: not specified · public overview.
checked · Next review
- 02Named publicly
Prescription medication
PassportCard names medication in its public product overview as a plan-dependent benefit area.
What to check: Prescription requirement, sub-limits or annual limits, co-payment and permitted supply route.
Source and review date
PassportCard: product overview · FAQ ‘What medical services are covered?’
Plan: not specified, explicitly plan-dependent · Zone: not specified · no amount or individual promise.
checked · Next review
- 03Named publicly
Dental care, prevention and vaccinations
PassportCard names dental care, preventive check-ups and vaccinations as possible benefit areas depending on the plan.
What to check: Which individual treatments are included, what limits apply and whether waiting periods are specified.
Source and review date
PassportCard: product overview · FAQ ‘What medical services are covered?’
Plan: not specified, explicitly plan-dependent · Zone: not specified · public overview.
checked · Next review
- 04Check the offer
Medical underwriting and pre-existing conditions
The provider states that the binding offer results from its individual underwriting decision.
What to check: How do your health disclosures affect the binding offer, and does it state any special terms?
Source and review date
PassportCard: product overview · Underwriting note below the plan comparison
Plan and zone: established in the individual offer · no statement about the underwriting outcome.
checked · Next review
- 05Check the offer
Waiting periods and exclusions
The public product page points to plan-specific benefit limits, possible waiting periods and the binding policy wording.
What to check: Whether the offered plan states any exclusions or waiting periods; isolated marketing examples do not answer that question completely.
Source and review date
PassportCard: product overview · ‘Better than home’ section and note below the plan comparison
Plan and zone: established in the policy documents · no specific duration or complete list.
checked · Next review
- 06Check the offer
Area of cover and deductible
The plan, geographical scope and individual offer decision determine the binding cover, including any agreed deductible.
What to check: Mark the selected zone including the USA rule, travel outside the zone and outpatient and inpatient deductibles in the offer.
Source and review date
PassportCard: product overview · ‘No deductibles (0 EUR excess)’ comparison row, binding-terms note and country-change section
Plan and zone: established in the individual offer · not a blanket zero-deductible promise.
checked · Next review
Get your personal quote now.
The link takes you directly to PassportCard. You enter your details there; a binding offer follows only after the provider's review.