Our international health insurance for as many trips as you like per year

Insurance cover is provided worldwide abroad. The country in which the insured person has a residence is deemed to be abroad.

The foreign health insurance includes the medically necessary treatment of an insured person due to illness or consequences of an accident.

When prescribed by a Physician, the following treatments are considered Medically Necessary:

• Medical outpatient treatments
• Pain-relieving conservative dental treatments incl. fillings
• Medications 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 that cannot be postponed and inpatient treatment

The emergency call service provides information about medical care options and designates a German or English speaking physician.

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

The travel health insurance reimburses the additional costs for a return transport to the nearest suitable hospital at the place of residence of the insured person. Reimbursement will only be made if the return transport is medically reasonable and justifiable.

Furthermore, the costs for an accompanying person as well as for a necessary medical escort 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 evidence must be submitted:

• Original receipts with the name, description of the illness as well as the provided service
• Prescriptions with doctor's bill as well as bills for medical aids and appliances
• Medical certificate about the necessity of the return transport
• Official death certificate or medical certificate of cause of death
• Further proofs and receipts

The foreign 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 coverage shall not commence until that time.