PHD Package

Coverage PHD Package

IPS provides coverage for the following categories with specified maximum amounts. 

    Depending on your package, IPS covers necessary medical and dental costs. It covers the cost price for family doctor visits, specialists, medication, as well as physiotherapy & psychological treatments.

    Type of cost Covered
    Medical costs due to illness or accident
    Cost price* 
    Emergency dental expenses, per year
    € 400.00*
    Dental expenses in case of an accident, per year
    € 1,100.00*

    Pre-existing conditions Not covered
    Preventive care (i.e. vaccinations for traveling, birth control )  Not covered
    * IPS Basic does not provide health coverage. IPS Secondary supplements a valid European Health Insurance Card (EHIC) - you first need to claim the costs with your own, local health insurance.

The category extraordinary costs are costs which are a result of an unforeseen event and which must necessarily and reasonably be incurred during the validity of the insurance. Our 24/7 emergency call center is included in this coverage. Please be aware that the costs of medically necessary transport are only covered under the IPS Primary insurance.

Type of cost Covered
€ 150.00
Cost price
Transport of the ill/injured person.
Cost price
Transport of relatives to ill/injured person
€ 7000.00

The Legal Aid coverage will cover you in case you are held liable for causing damages, in case you need to obtain regress in case of physical injury.

Type of cost Covered
Legal aid inside Europe
Cost price
Legal Aid outside Europe
€ 6,000.00
Maximum costs for reported issue
€ 5,000,00

This coverage is meant to compensate you in case you are victim of a lethal accident or an accident with permanent disability as a result. In this case, a fixed compensation is provided to help you or your relatives. In case of a permanent disability, a percentage of the maximum sum will be provided - this percentage is based on the Gliedertaxe.

Type of cost Covered
€ 10,000.00
Death due to motor bike accident
€ 5,000.00
Permanent disability
€ 75,000.00

The IPS insurance covers the liability for private individuals and for damage to property at your internship address.

Type of cost Covered
Liability for private individuals, per event
€ 1,250,000.00
Damage to goods at your internship address
€ 10,000.00

For luggage and household goods, the following maximums are valid.

Total luggage cover during insured period
€ 1,500.00
Total household goods cover during stay
€ 6,000.00

Type of cost Covered
Photo-, film-, video- and/or computer equipment
€ 650.00
€ 150.00
€ 150.00
(Sun)glasses and contact lenses
€ 150.00
Travel documents
Cost Price