Annual travel health insurance
- worldwide cover for all trips per year

Information services

• Emergency call service with information about local doctors
• Mediation of information between family doctor, clinic and relatives

Premature births

• Assumption of costs for necessary medical treatment of the newborn up to €50,000 (unlimited if insured for at least 3 months)

Care services

• Accommodation for an accompanying person during inpatient treatment of a child
• Organization and payment of childcare if the accompanying person is unavailable
• Dispatch of medication in the event of loss
• Assumption of travel costs for sick visits by relatives (for stays >5 days)
• Hotel costs for fellow travelers up to € 2,500 (max. 10 nights)

Additional benefits abroad

• Extended insurance cover if return journey not possible due to inability to travel

Additional benefits

• Reimbursement of telephone costs with the emergency call center up to € 25
• Compensation for expenses (daily hospital allowance up to 14 days at €50 or €25 for outpatient treatment) if another insurer pays first
• Optional daily hospital allowance (up to 30 days at €50) instead of assumption of costs

Further important information and benefits of the annual travel health insurance:

• Planned treatments or treatments that were already known before the start of the trip
• Treatments that were the sole reason for the trip
• Consequences of war or civil unrest (if a travel warning is in place)
• Illnesses or accidents caused intentionally
• Cure, sanatorium or rehabilitation measures (except in certain serious cases)
• Withdrawal measures (e.g. alcohol or drug withdrawal)
• Dental benefits such as dentures, crowns, implants, orthodontics
• Psychotherapeutic, psychoanalytical or hypnotherapeutic treatments
• Preventive medical check-ups and vaccinations
• Treatment of HIV infections or reproductive disorders
• Treatment for dependency, infirmity or custody
• Treatment by relatives in the same household (material costs are reimbursed)

Insurance cover exists worldwide abroad. The country in which the insured person is resident is deemed to be abroad.

International health insurance covers the medically necessary treatment of an insured person due to illness or the consequences of an accident.

If prescribed by a doctor, the following treatments are considered medically necessary:

• Medical outpatient treatments
• Pain-relieving conservative dental treatment including fillings
• Medication and dressings
• Physical treatments (e.g. radiation and light therapies)
• Massages, packs, inhalations and physiotherapy
• Aids that become necessary for the first time as a result of an accident
• Operations and inpatient treatment that cannot be postponed

The emergency call service provides information about medical care options and names a doctor who speaks German or English.

• Accommodation of an accompanying person in hospital for children
• Care for children in the event of travel interruption due to death, serious accident or illness
• Procurement of replacement medication at the vacation destination
• Sick visit to a close relative
• Assumption of additional hotel accommodation costs for up to 10 days

Foreign travel health insurance reimburses the additional costs for return transportation to the nearest suitable hospital at the insured person's place of residence. Reimbursement will only be made if the return transportation is medically advisable and justifiable.

Furthermore, the costs for an accompanying person and for any necessary medical accompaniment are also covered. The prerequisite for this is that this is medically necessary, ordered by the authorities or prescribed by the transport company.

The following documents must be submitted:

• Original receipts with the name, description of the illness and the service provided
• Prescriptions with doctor's invoice and invoices for remedies and aids
• Medical certificate confirming the necessity of return transportation
• Official death certificate or medical certificate stating the cause of death
• Further evidence and receipts

The international health insurance will pay the costs within 2 weeks at the latest. (Provided that the proof of insurance and premium payment is available and the obligation to pay and the amount of compensation have been determined)

The premium must be paid immediately upon receipt of the insurance policy and the premium invoice. In the event of late payment, insurance cover will only commence from this point in time.