Nice insurrance, great price ranging, but very complicated to get a hold of someone. They promis to call back, or write back, they don't do it. I had an emergency, I couldn't get a hold of my contact Person for at least two months. I paid all the bills myself, cause the doctors in Germany won't fill out the paper work. I won't go to to this insurrance any more. A big minus too, only payments from Credit card in Switzerland work, so you pay more then you would actualy need to. I am not a used at all.