FAQ travel insurance
Important questions and answers at a glance

Your application will be processed promptly, usually on the same day.
We will then send you the insurance confirmation for your travel insurance by e-mail shortly afterwards. Please make sure that all personal details in the application are filled in correctly.
If you urgently need the confirmation of insurance for an authority (Foreigners' Registration Office/University), please note this on your application form. We will be happy to send you the insurance confirmation to your contact details on the same day.

You can revoke your contractual declaration in text form (e.g. letter, fax, e-mail) within 14 days without giving reasons. The period begins with the acceptance of the application and when you have received the contractual provisions including the General Terms and Conditions of Insurance, the further information pursuant to § 7 (1) and (2) of the Insurance Contract Act (VVG) in conjunction with §§ 1 and 4 of the VVG Information Obligations Ordinance and this instruction, each in text form. Timely dispatch of the revocation is sufficient to comply with the revocation period. The right of revocation does not apply to contracts with a term of less than one month. The revocation must be sent to the insurer via BERNHARD Reiseversicherungsmakler GmbH, Mühlweg 2b, 82054 Sauerlach, fax +49(0)81 04 89 17 35, e-mail info@bernhard-reise.com.

In the event of an effective revocation, the insurance cover ends and we will refund the part of the premium attributable to the period after receipt of the revocation if you have agreed that the insurance cover begins before the end of the revocation period. In this case, we may retain the part of the premium attributable to the period up to receipt of the revocation; this is an amount equal to the corresponding daily premium multiplied by the number of days on which insurance cover existed. Please refer to the application for the amount of the premium to be paid. The premium to be repaid will be refunded immediately, at the latest 30 days after receipt of the revocation. If the insurance cover begins before the end of the revocation period, the effective revocation has the consequence that any benefits received must be returned and any benefits derived (e.g. interest) must be surrendered.

The premium for your insurance is a single premium that is due at the start of the contract for the entire contract term and is payable in one amount. The single premium is made up of the contract term (number of days/months) and the selected tariff. The currently applicable insurance tax is included.

If a direct debit authorization is issued, the insurer agrees to defer part of the single premium. The first installment is collected from the account at the start of the contract. The subsequent installments will be collected from the account on a monthly basis. The amount of the installments corresponds to the selected tariff for one month.

In the case of bank transfer, the single premium is due in advance at the start of the insurance for the entire term. Your payment is deemed to be on time if it has been made/received at the start of the contract for the entire contract term.

You can pay with the following credit cards:
Mastercard / Visa / American Express

When paying by credit card, the single premium is due in advance at the start of the insurance for the entire term. Your payment is deemed to be on time if it has been made/received at the start of the contract for the entire contract term.

Insurance cover is only provided for the period for which payments have been made.
A prerequisite for insurance cover is timely payment of the premium, preferably by direct debit or credit card.

If the single premium or the first premium has not been paid when the insured event occurs, the insurers are not obliged to pay benefits unless you are not responsible for the non-payment.

You can pay by credit card, bank transfer or cash deposit.

You are responsible for paying the invoice.
We require the following documents / details for the billing of medical services:

• Original doctor's bill (by post)
• Original prescription
• Surname and first name
• Insurance number
• Your full bank details (for reimbursement of the doctor's bill)

Please note: Prescriptions can only be billed once the doctor's invoice has been received - this can sometimes take some time, as you receive the prescription directly, but the doctor may not issue the invoice until the end of the quarter. The doctor should note the diagnosis on the invoice.

No, it depends on the tariff you choose.
However, in certain cases, such as dental treatment, dental prostheses, medical aids or repatriation to your home country, there are also maximum limits.

Please read the insurance conditions carefully in this regard and contact us if you have any questions or uncertainties.
Exceptions to the insurance cover are, for example

• illnesses and consequences of accidents for the treatment of which the trip abroad was made, as well as for treatments for which it was clear that they would have to take place if the trip had been carried out as planned and treatments for illnesses and consequences of accidents that already existed before the start of the contract
• any kind of preventive medical check-ups, check-ups or vaccinations
• examinations for the issue of certificates and expert opinions for obtaining a residence permit
• withdrawal and cessation treatments
• treatment of illnesses resulting from intentional physical injury
• dental prostheses
• The insurance conditions of the insurer are decisive

As a rule, there is no waiting period. You have immediate cover and entitlement to benefits when you take out your international health insurance.

The receipts must be submitted to your insurer within two months of the expiry of your international health insurance.

It is sufficient and also legally binding if you send us your application for international insurance online.

After taking out health insurance, you will receive a confirmation of insurance from us. As a rule, it is sufficient to submit a copy of this to the Immigration Office.

To be on the safe side, you should apply for insurance cover for the entire expected duration of your stay

Please enter the expected duration of your stay in your application for travel insurance. If this changes, please contact us by letter, fax or email to extend your insurance contract or cancel it in writing.

If you are ill and need to see a doctor, please note:
Present the "Doctor's information" to your doctor BEFORE treatment.
The "Doctor's information" tells your doctor how and what he can charge, when he must consult you beforehand and which treatments are not included in the insurance.

No, insurance cover must be taken out before departure.

Please note: The purpose of this insurance is to alleviate pain or to treat/preserve the tooth. The insurance only covers the elimination of acute, newly occurring pain (emergency treatment). Please note the maximum limits per tariff.

Please also take the "doctor's information" and your insurance number (from the insurance confirmation) with you. The hospital will send an application for assumption of costs to BERNHARD Reiseversicherungsmakler GmbH / the insurer.
If you are admitted to hospital as an inpatient, please inform us immediately - at the latest on the next working day. If you are not in a position to do this yourself, it is sufficient if a person you trust or the hospital itself contacts us.
This is necessary so that we can check the insured event as quickly as possible in order to avoid any cost risk for you. Billing takes place directly between the insurer and the hospital providing treatment - without any advance payment by you.

After an accident, you should consult a doctor as soon as possible. Please report the accident immediately afterwards. - If an accident results in death, BERNHARD Reiseversicherungsmakler GmbH / the insurer must be informed within 48 hours.

Please do not make any acknowledgement of fault!
Please always make it clear that you may not make any acknowledgement of fault or promise/ make any payments without consulting your insurer. The insurer is solely responsible for checking whether you are at fault. The insurer will settle all necessary matters directly with the injured party on your behalf.
Therefore, please report any liability claims to us immediately.