Health insurance for foreign guests
Reliable insurance cover for visitors from abroad

It covers 100% of the costs of outpatient and inpatient treatment, medication, repatriation to your home country and dental treatment for pain and suffering (up to €500).

Yes, the premium is based on age groups (up to 34, 35-64, from 65 years) and starts from € 0.99 per day. Separate premiums apply for trips to the USA/Canada.

No. Our international health insurance for guests in Germany is only valid for people up to the age of 75. It is not possible to take out this tariff for older guests.

Example:
Is the insurance also valid for a trip from Russia via Turkey to Germany and back the same way?

Answer:
The insurance cover is valid in the countries of the EU including Liechtenstein, Switzerland, Norway and Iceland. This applies to persons who do not have a permanent residence in Germany.
This means that travelers in Turkey are unfortunately not insured during the stopover. The insurance cover applies on the flight to Germany.

The insurance is aimed at foreign guests up to the age of 75 who are staying temporarily in Germany, the EU, Switzerland or Liechtenstein. Germans with permanent residence abroad can also take out this insurance.

The insurance covers medically necessary treatment in the event of illness or accident - e.g. visits to the doctor, medication, hospital stays, necessary operations, patient transportation and emergency treatment during pregnancy. Dental treatment (pain relief, simple fillings, repairs to dentures) is also covered up to €600 per year.

Yes, an excess of € 25 applies per insured event. For existing illnesses or illnesses treated in the last 6 months, the insured person pays an additional contribution of € 5,000 per year (maximum € 30,000 benefits from the insurance).

Yes, in the event of death, the insurance covers the costs of repatriation to your home country or a local funeral - up to €10,000 in each case.

The PRO tariff covers the costs of medical treatment, medication, hospital stays, operations and patient transportation. It also covers medical aids (e.g. prostheses, hearing aids, wheelchairs), preventive check-ups for children and cancer screening up to €300 per year, as well as visual aids up to €200.

Yes, in addition to pain-relieving treatments and repairs to dentures (up to €1,000 per year), dentures are also insured with 80% reimbursement - up to €750 in the first 2 years and even up to €1,250 per year from the 3rd year.

Yes, in the event of death, HanseMerkur will cover the costs of repatriation to your home country or burial in Germany - up to €10,000 in each case.

The PRO tariff offers more comprehensive cover for foreign guests, e.g. more benefits for dental treatment, dentures, medical aids and preventive care. If you are staying in Germany for longer or attach particular importance to comprehensive cover, you will benefit from the extended benefits of the PRO tariff, such as

• Higher benefits for dental treatment and dentures
• Cost coverage for medical aids such as prostheses or hearing aids
• Reimbursement for glasses and contact lenses
• Preventive check-ups for children and cancer screening included