With our travel health insurance you are comprehensively covered abroad and can enjoy your holiday without worries!
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You may ask yourself why you even need a travel health insurance?
Are you not covered by the normal statutory health insurance fund abroad?
The answer to this question is: unfortunately only partially!
On one hand, it depends on which country you travel to:
For example, if the country is not a Schengen country, such as Tunisia or Egypt, you simply do not have health insurance cover without private travel health insurance and are thus exposed to an extreme health and financial risk. If you need any medical treatment there and - in the worst case - even a hospital stay of several days becomes necessary, you have to come up for all the costs yourself. Especially in countries where medical and treatment costs are considerably higher than in Germany, such as the USA or Canada, the expenses can be very high.
On the other hand, the nature of your illness or the extent of treatment you require plays a significant role:
Most European states, the so-called Schengen states, have concluded a social security agreement with Germany. As long as you are in these countries, your health insurance will cover the costs of the treatments etc. However, only in equal parts as in Germany: if the treatment abroad costs for example 1000 €, but in Germany, however, only 800 €, you have to pay the difference - unless you have private travel health insurance that provides cover in such cases.
Imagine you need to be treated during your trip for a longer period of time (probably more than 14 days) in a hospital. The staff may not speak your language and none of your relatives or friends will be able to visit you. For this reason, you want to travel home and continue the treatment there, as it has been proven that this improves the healing process and that medical care is usually also better there. However, this is only possible if it makes sense from a medical perspective and is thus justifiable.
In this case, the travel health insurance would cover all the costs for the medical return transport to Germany.
It is possible that the treatment you require cannot be guaranteed on site. Imagine the attending physician arranges your medical return to Germany. Without travel health insurance, you will always bear the full costs for this return transport - regardless of whether you are in a Schengen country or not, as your statutory health insurance generally does not cover medical transport from abroad.
We offer private health insurance not only as an annual insurance, but also as individual insurance for one-off trips. However, it is only recommended for stays abroad that last longer than 56 days, such as for language students, work and travel, or au-pairs, as insurance coverage is possible for up to one year.
For all others we recommend the private travel health insurance as annual insurance. It is not only cheaper with the same benefits, it is also valid for any number of holidays per year.
|Individual insurance||Annual insurance|
|Hospital costs for outpatient and inpatient treatment:||✓||✓|
|Analgesic dental treatment (max.500 €):||✓||✓|
|Repatriation costs for further treatment in the home country:||✓||✓|
|Transfer costs in case of death (up to 25.000 €):||✓||✓|
|Favourable conditions for groups:||✓||X|
|Number of possible trips:||1||Any number of trips per year|
|Maximum travel duration per trip:||356 days||56 days|
|Scope:||Worldwide without USA/Canada or worldwide with USA/Canada||Worldwide|
|Calculation example (up to 64 years; 14 days; without USA/Canada):||25,00 €||13,90 €|
Travel health insurance for more than one trip per year
For long Travel:
Private travel health insurance for trips of up to one year
|per person||for families|
|Annual premiums up to 35 years||9,90 €||21 €|
|Annual premiums up to 65 years||13,90 €||29 €|
|Annual premiums up to 75 years||29,90 €||65 €|
|Annual premiums from 75 years||79,90 €||159 €|