International health insurance - travel safely worldwide
Reliable travel cover for illness and accidents abroad

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

If an illness or accident occurs during a trip, international travel health insurance reimburses the costs of medical treatment incurred abroad. Medical treatment includes medically necessary

• outpatient medical treatment including X-ray diagnostics
• pregnancy treatments, deliveries in the case of premature births, treatments due to miscarriage and abortion
• pain-relieving conservative dental treatment including fillings and repairs
• medically prescribed medication and dressings
• medically prescribed radiation, light and other physical treatments
• medically prescribed aids
• operations that cannot be postponed
• inpatient treatment that cannot be postponed
• Additional costs for return transportation to the nearest suitable hospital at the insured person's place of residence
• Costs for patient transportation for inpatient treatment to the nearest suitable hospital and back to the accommodation
• Repatriation costs in the event of death or funeral costs

Note: This is an excerpt from the insurance conditions. Only the contents and wording of the insurance conditions and the insurance policy are legally binding.

Not insured are

• Work-related trips abroad
• Treatments by alternative practitioners
• childbirth, interruption of pregnancy and examinations and treatment due to pregnancy
• Nutritional and tonic preparations, cosmetic preparations
• Repurchase of medication during a trip
• New dentures including crowns, dental cosmetics, orthodontics and implantology
• Mental and psychological disorders, psychosomatic treatment
• Acquisition of aids, e.g. glasses, contact lenses, insoles, prostheses, bandages, forefoot relief shoes
• Illnesses/accidents as a result of pandemics or foreseeable war events, attempted suicide, addiction, alcohol, drugs (war events are foreseeable if there is a warning from the Foreign Office before the start of the trip. The terrorist attacks in Paris or Brussels do not count as war events)
• Accommodation due to the need for care or custody
• Cure and sanatorium treatments and rehabilitation measures
• Rescue costs
• Costs for PCR tests or antigen tests in connection with entry and exit
• Costs for the transportation of a Covid contact person (e.g. to a testing station to determine whether they are positive or not)
• Additional costs at the travel destination due to quarantine (longer stay in the accommodation, flight rebooking costs, etc.) because the travel time has to be extended and the infected person or contact person flies back later
• Costs for an adult accompanying the adult accompanying the minor student in the event of repatriation for further treatment in the home country

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.

✆ Hotline for single trip health insurance✆ Hotline for annual travel health insurance

• 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.

• Treatment of an acute Covid-19 disease (Attention: a positive corona test does not yet constitute a disease!)
• Corona test for diagnostic purposes as part of medical treatment abroad

International health insurance must be taken out before departure. It can no longer be taken out for the trip in question if you are already abroad.

Extreme sports such as diving, skiing or climbing are not usually included as standard in international health insurance. However, many providers offer additional options or special rates for these activities. Without this extension, accidents or injuries caused by extreme sports are not normally covered.

If you want to extend your trip, the insurance cover can be adjusted, provided this happens before the original insurance cover expires. With annual insurance, cover remains in place as long as you travel within the insured period. In the case of single trip insurance, the extension must be applied for in good time in order to maintain cover without interruption.

Psychological or psychiatric treatment is not covered in many standard tariffs, unless it results from an accident or acute illness abroad. Special clauses are often required for mental illnesses or treatments such as depression. Travelers should check in advance whether the tariff includes psychological treatment or whether a special extension is necessary.

Individual travel health insurance does not cover treatment for mental and psychological disorders, psychosomatic treatments (e.g. hypnosis, autogenic training) and psychotherapy. Annual travel health insurance also does not cover hypnosis, psychoanalytic and psychotherapeutic treatments.

In Germany, travel health insurance is generally not tax-deductible unless the trip is business-related. For business trips abroad, the insurance premium may be deductible as income-related expenses or business expenses. No tax benefits are available for private trips.

The calculation is based on the number of days of travel, the age of the participants entered, the destination and the selected scope of insurance. The arrival and departure days count as full days. No insurance tax is payable on the international health insurance. All other selected insurances include an insurance tax of currently 19%.