Overseas Insurance Service

🌍 Introduction: Representing DR-WALTER in South Asia

On behalf of DR-WALTER, a leading German insurance provider specializing in international travel and health insurance, we at Linkers International are proud to serve as their official representative in South Asia. With decades of expertise in insuring travelers, students, and expats worldwide, DR-WALTER offers reliable and visa-compliant insurance solutions tailored to meet the unique needs of individuals traveling to or staying in Europe, especially Germany. Through our partnership, we make these premium insurance services easily accessible and locally supported for clients across South Asia.

We, Linkers International, are proud to serve as the authorized representative of DR-WALTER in South Asia, offering their globally trusted range of travel and health insurance solutions tailored for students, tourists, professionals, and visitors to Germany and the Schengen area.

As part of our commitment to transparency and affordability, we ensure our clients have access to premium DR-WALTER insurance plans - starting from just €1.10 per day, depending on the product and coverage selected.

🛡️ DR-WALTER Travel Insurance for Holiday Travelers

DR-WALTER offers a range of travel insurance products designed to provide comprehensive coverage for holidaymakers. Key offerings include:

1. Trip Cancellation Insurance

• Coverage: Reimburses non-refundable trip costs if you need to cancel due to unforeseen circumstances such as illness or emergencies.
• Duration: Valid for trips up to 24 months.
• Premiums: Calculated based on the total trip cost and duration.

2. PROTRIP-WORLD International Travel Health Insurance

• Coverage: Provides medical coverage for outpatient and inpatient treatments, emergency dental care, and repatriation.
• Eligibility: Available for travelers up to 69 years of age.
• Premiums: Varies based on age and trip duration.

3. Liability Insurance

• Coverage: Protects against financial claims resulting from accidental damage to third parties or their property.
• Scope: Includes personal and property damage, as well as legal defense costs.

4. Accident Insurance

• Coverage: Offers financial protection in case of accidents during the trip, including disability and death benefits.
• Additional Benefits: May include coverage for rescue operations and rehabilitation costs.

5. Assistance Services

• Services: Provides 24/7 support for emergencies, including medical referrals, travel support, and legal assistance.
• Accessibility: Available through a mobile app for quick access.

🎓 ProVisit Student Health Insurance

ProVisit Student is a private health insurance plan tailored for international students in Germany, particularly those aged 30 and above. Key features include:

1. Comprehensive Health Coverage

• Medical Treatments: Covers outpatient and inpatient treatments, medications, preventive check-ups, and maternity care.
• Dental Care: Includes 100% coverage for dental treatments up to €500 per year; 50% coverage beyond that.
• Additional Benefits: Offers allowances for glasses/contact lenses (€100 every 2 years), daily hospital allowance (€30 from the 15th day), and recovery money (€1,500 after inpatient treatment).

2. Long-Term Care Insurance (Optional)

• Coverage: Provides benefits for outpatient and inpatient day and night care, full inpatient care, and nursing aids.
• Eligibility: Available for foreign graduates up to 38 years old; for individuals 39 years and older, premiums start from €47.15 per month.

3. Flexible Insurance Period

• Duration: Insurance can be purchased for 2 to 60 months, with an automatic transition to an unlimited tariff thereafter.
• Payment: Premiums are paid monthly via direct debit.

4. Immediate Proof of Insurance

• Visa Applications: Provides immediate proof of insurance upon application, accepted by consulates, embassies, and immigration authorities.

5. Accompanying Family Members

• Coverage: Spouses and children can also be insured under the ProVisit Student plan.
• Premiums: Spouses up to 59 years: €150/month; children up to 17 years: €99/month.

🔹 PROTRIP-WORLD – For Students, Interns, Volunteers, Digital Nomads

• From €1.06/day (excluding USA/Canada)
• Up to €13.01/day (including USA/Canada and depending on age)
• Offers complete international health, liability, and accident insurance with 24/7 emergency support
• Visa compliant and widely accepted by German consulates

🧑 PROVISIT-VISUM Travel Health Insurance for Schengen Visa Holders

PROVISIT-VISUM is a specialized insurance product designed for foreign visitors requiring a Schengen visa to enter Germany and other European countries. Key features include:

1. Comprehensive Health Coverage

• Medical Treatments: Covers outpatient and inpatient treatments, prescription medications, and emergency dental care.
• Repatriation: Includes coverage for medically necessary return transport to the home country and repatriation of mortal remains up to €30,000.
• No Deductible: Health insurance without deductible, ensuring full reimbursement without out-of-pocket expenses.

2. Personal Liability Insurance

• Coverage: Protects against financial claims resulting from accidental damage to third parties or their property.
• Scope: Includes bodily injuries and property damage, as well as damage to members of a host family caused by negligence.

3. Accident Insurance

• Coverage: Offers financial protection in case of accidents during the trip, including accidental death and disability benefits.
• Additional Benefits: May include coverage for rescue costs and plastic surgery as a result of an accident.

4. Easy Online Purchase

• Process: Insurance can be purchased online with immediate confirmation.
• Documents: Upon purchase, you receive an insurance certificate and a medical info card for direct billing with physicians.

5. Corona Coverage

• COVID-19: PROVISIT-VISUM also covers COVID-19 infections if they occur newly and acutely after the start of the contract.

🔹 PROVISIT-VISUM – For Schengen Visa Applicants

• From only €1.10/day
• Ideal for short-term visitors to Germany/Europe requiring Schengen visa-compliant health coverage
• Includes: Medical coverage, liability, accident insurance, and COVID-19 protection

💳 German Blocked Account (Sperrkonto) for Visa Applicants

A German blocked account (Sperrkonto) is a special bank account for international students and other visa applicants in Germany. It provides proof to German authorities that you have enough money to cover your living expenses during your stay. The money you deposit in the account is "blocked", meaning

Requirements:

• Amount: As of 2025, the required amount for a German blocked account is €11,904, ensuring a monthly withdrawal of €992.
• Duration: The account is typically opened for a year, unless your planned stay is shorter.
• Provider: The account must be opened at a bank or similar provider. You are free to choose where to open your account, but it must meet the necessary requirements.

How to Open:

• Online Application: Many providers offer the possibility to open a blocked account online.
• Documents Needed: Typically, you'll need your passport and proof of the origin of the money.
• Activation: After arriving in Germany, you'll need to open a current account to activate your blocked account.

For more detailed information and to open a blocked account, you can visit the official DR-WALTER website: German Blocked Account.

🎓 EDUCARE24 Health Insurance for Educational Stays

EDUCARE24 is a flexible insurance cover for foreign language students, applicants for study, non-enrolled students, exchange program participants, interns, adult education students, and pupils. Key features include:

1. Comprehensive Coverage

• Health Insurance: Provides coverage for medical treatments, including outpatient and inpatient care.
• Accident Insurance: Covers accidents that may occur during the educational stay.
• Liability Insurance: Protects against financial claims resulting from accidental damage to third parties or their property.
• Deportation Costs Insurance: Covers costs associated with deportation if necessary.

2. No Deductible

• Coverage: The health insurance does not comprise a deductible, meaning the insured person is not obliged to cover a part of the treatment expenses.

3. Easy Online Purchase

• Process

PROTRIP-WORLD International Travel Health Insurance

Who is it for?

PROTRIP-WORLD is designed for:

• Students (university, language school)
• Interns or Trainees
• Volunteers and Au Pairs
• Digital Nomads and Long-Term Travelers
• Coverage is available for people up to 69 years of age.

What does it cover?

PROTRIP-WORLD covers the following:

1. Health Insurance

• Outpatient and inpatient treatment: Full coverage for medical care, including doctor visits and hospital stays.
• Emergency Dental Treatment: Dental treatment for acute pain and emergency care.
• Medicines: Coverage for prescribed medications.
• Medical Repatriation: Costs covered for medically necessary return to the home country.

2. Accident Insurance

• Coverage for accidents during your stay abroad, including accidental death, disability, and medical costs related to the accident.

3. Liability Insurance

• Protects you from third-party claims due to personal injury or property damage. For example, if you accidentally damage someone else's property, the liability insurance covers the costs.

4. Assistance Services (24/7)

• Emergency Assistance: Access to emergency support at any time (medical or legal).
• Medical Referrals: Assistance in finding medical professionals abroad.
• Travel Support: Help with travel-related emergencies.

Add-On Options:

You can add extra coverage based on your needs:

• Luggage Insurance: Covers losses or damage to your luggage.
• Travel Cancellation Insurance: Protects you in case you need to cancel your trip for covered reasons.

Coverage Area:

• Worldwide Coverage: Choose between worldwide coverage including the USA and Canada or worldwide coverage excluding the USA and Canada.
• Flexibility: Tailor your plan based on your trip destination.

Insurance Duration:

• Minimum duration of 1 month.
• Maximum duration of 2 years.

Visa Compliance:

• The insurance is fully compliant with visa and residence permit requirements for countries like Germany, Austria, Switzerland, and other Schengen countries.
• The policy provides immediate confirmation of coverage upon application, which is accepted by consulates, embassies, and immigration authorities.

How to Apply:

• Online Application: The entire process can be completed online via the website.
• Instant Confirmation: You receive your policy and confirmation immediately after completing your application.
• Simple Process: Fill out personal details, select the required coverage (duration, destination), and make payment via credit card or bank transfer.

Pricing:

1. Premiums vary depending on:

• Age
• Destination
• Duration of stay

2. You can calculate the exact premium via the website when you input your details.

Customer Support:

• Multilingual support is available via email and phone.
• 24/7 customer service for emergencies.
• Assistance with claim submissions and handling any issues related to the policy.

Claim Process:

• Claims Submission: Claims can be submitted online for convenience.
• Direct Billing: Many hospitals and medical providers work directly with the insurance for billing purposes.

🔹 Trip Cancellation Insurance – For Any Holiday Traveler

• Premiums depend on trip cost and traveler’s age, but can be calculated per day on request
• Protects non-refundable expenses in case of cancellation due to illness or emergencies