With our international health insurance, you are comprehensively covered when travelling abroad. For a dream holiday, free from all worries!
Why is additional protection with health insurance abroad useful?
According to statistics, every tenth traveller falls ill on holiday. The statutory health insurance companies do not cover all costs for medical treatment and medication within the EU. There are also cases in which the treating doctor does not recognise the European Health Insurance Card and demands a private fee from you. In such cases, your statutory health insurance at home will only reimburse you the respective contract rate of your travel country. If you need to be repatriated from your country of travel for medical reasons, you will have to bear the entire costs yourself, even if you have private health insurance.
We therefore strongly recommend that you take out international health insurance before travelling abroad. Preferably an annual international health insurance!
Individual foreign health insurance:
Benefits:
Disadvantages:
Annual international health insurance:
Advantages:
Disadvantages:
Information and services for one-time trips
The individual travel health insurance provides insurance cover for illnesses and accidents. In the event of an insured event occurring abroad, it provides reimbursement of expenses for medical treatment that cannot be postponed and other agreed benefits (only at the respective foreign place of stay).
Further important information and benefits of the individual travel health insurance:
| For whom is this insurance: | In principle, persons up to the completed 75th year of life are eligible for insurance. The age of admission depends on the selected tariff and may therefore differ |
| Period: | Insurance coverage is provided for the period specified in the insurance policy, but for a maximum of 365 days for non-work-related trips abroad |
| Start of insurance: | Insurance coverage begins at the agreed time (start of insurance), but not before conclusion of the insurance contract and not before payment of the premium |
| Payment: | Individual travel health insurance is obligated to pay when billing addresses are submitted and the required supporting documents are provided All supporting documents must include the name of the practitioner, the first and last name and date of birth of the person treated, as well as the disease name and the individual medical services with treatment dates |
| End of coverage: | The insurance coverage ends - also for pending insured events - in each case with the end of the stay abroad or the insurance relationship or with the end of the return transport at the latest, however, with the end of the insurance. |
Insurance conditions for the individual travel health insurance
Material package (optional when traveling abroad)
Our property package includes the following insurances:
Thus, you are covered against claims for damages by third parties and receive financial support in the event of an accident.
► Insurance conditions for travel liability insurance
Overview of the benefits of the package in kind (excerpt)
| Insurance line | Scope of insurance | |
|---|---|---|
| Travel liability insurance | ||
| personal injury and property damage | 5 Mio. | |
| financial loss | 1 Mio. | |
| damage to rented immovable property | 500.000 € | |
| damage to rented movable property (except motor vehicles of all types) | 1.000 € | |
| with deductible | 50 € per insured event | |
| loss of keys | 2.000 € | |
| with deductible | 150 € per insured event | |
| Travel accident insurance | ||
| Disability benefit | 55,000 € (123,750 € with 100 % disability) | |
| death benefit | under 18 years 10.000 € / over 18 years 25.000 € | |
| Daily hospital allowance with convalescence benefit | 10 € | |
| Salvage costs | 5.000 € | |
| travel legal protection | ||
| judicial and extrajudicial assertion of claims for damages | ✓ | |
| Defense in criminal proceedings or administrative offenses for labor law and social law proceedings | ✓ | |
| sum insured | 1,000,000 € |
Internship damage (optional for travel abroad)
Additional coverage for internship damage can only be purchased in conjunction with the liability insurance included in the property package. This is possible
Thus, you are covered for internship damages during your stay abroad.
Information and benefits of the annual insurance
Annual travel health insurance is particularly suitable for frequent travelers. This tariff can be worthwhile for as few as two trips a year. The annual insurance includes all trips worldwide up to a maximum of 56 days each within one year.
More important information and benefits of the annual travel health insurance:
| For whom is this insurance: | Persons residing in the Federal Republic of Germany as well as families (maximum of two adults and children up to the age of 21). |
| Number of trips: | Coverage applies to any number of temporary insured trips taken within one year. |
| Commencement of insurance: | Insurance coverage begins after payment of the premium, upon crossing the border abroad, for all trips commenced after conclusion of the contract. |
| Payment: | Once proof of insurance and premium payment has been received and the obligation to pay and the amount of compensation has been determined, payment will be made within 2 weeks at the latest. |
| End of insurance: | The insurance cover is tacitly renewed for a further year in each case if it is not terminated in writing by the policyholder or the insurer with three months' notice before expiry. |
If an illness or accident occurs during a trip, the international health insurance will reimburse the costs of medical treatment incurred abroad. Medical treatment is defined as medically necessary
Note: This is an excerpt from the insurance conditions. Only the contents and wording from the insurance conditions and the insurance policy are legally binding.
You can find more detailed information about the costs of the international health insurance in the insurance conditions.
On the road with the scooter in Asia
Riding a scooter in Asia is very popular. However, this is often associated with certain challenges. Opaque traffic rules, poor road conditions and the scooter has usually seen better days! These factors increase the risk of a traffic accident. Due to the high temperatures, people also do without thick clothes. In the event of a fall, this quickly causes abrasions or worse. To avoid the dangers of infection, or to treat worse injuries, it is advisable to see a doctor. With the international health insurance you will not incur unexpected costs, as medical outpatient treatment including X-ray diagnostics are included in the insurance benefits.
Walking abroad
Walking is one of the most popular travel activities. Whether it's an easy hike to a viewpoint or a challenging tracking trail into nature or the mountains. What they all have in common is that you are venturing into unknown territory. No matter how well you inform yourself in advance, the trails are not always signposted as you know Germany (or in a language you can't read). The same applies to the security of the paths, especially in remote areas, the maintenance is often neglected. Due to the unfamiliar environment and thus increased required concentration, the probability of an accident increases. If this undesirable case should occur, it can become quite problematic. There may be a doctor in the next village, but the necessary tools for treatment are in the far away hospital. Transportation can be immensely costly, so it makes sense to take out an overseas health insurance policy that includes the cost of ambulance transportation for inpatient treatment to the nearest suitable hospital and back to your accommodation.
Unexpected dental visit
A subject that is thought about far too rarely, but happens more often than you think. Seductive scents or recommended delicacies typical of the country, make you try dishes that sometimes you did not even know existed. How should one know then also, how one eats it or which one can eat everything of it? If you then bite into something hard, a filling can come off. Some fruits are also so acidic that after eating them, the gums hurt. We all know how expensive dental visits can get. So that you do not have to pay for it, play it safe and take out an international health insurance.
Download our insurance conditions:
► Insurance conditions for single trip health insurance
► Insurance conditions annual travel health insurance
Note: Only the contents and wording of the insurance policy and the insurance conditions are legally binding.
If it is a major injury, illness or emergency, please contact the 24-hour emergency hotline of the respective insurer immediately to discuss the further procedure and to obtain a declaration of cost coverage for inpatient stays.
✆ Hotline Individual Travel Health Insurance ✆ Hotline Annual travel health insurance
In the case of minor accidents or outpatient treatment, please keep all receipts and issued documents carefully and report the damage to us via our online claim form. After verification by the insurance company, you will receive reimbursement of the out-of-pocket costs to the specified account. Please keep all original documents for possible queries. Invoices must show the name of the person treated, the name of the illness, the dates of treatment and the individual medical services with the corresponding costs. Prescriptions must contain details of the prescribed medication, the prices and the pharmacy's stamp. If the insurer has established the obligation to pay benefits in terms of reason and amount, the compensation will be paid to the specified account within approximately two weeks. If documents are still missing to establish the obligation to perform, the insurer will request them from you.
Further information on:Application / Payment processing / Billing and benefits.
What does the individual travel health insurance not cover?
Not insured are:
Is the international health insurance available as an annual insurance?
Yes, the international health insurance can be concluded as an annual insurance. Annual international health insurance is particularly worthwhile for people who travel more than once a year and is particularly favorable compared to international health insurance as individual insurance. More information
How do I get information about doctors at the resort?
The emergency call service provides information about medical care options and designates a German or English speaking physician.
What care services does the annual travel health insurance cover?
What should be considered when returning to the place of residence?
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.
What documents do I need to submit for reimbursement in the event of a claim?
The following evidence must be submitted:
When can I expect reimbursement from the insurance company?
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).
When is payment of the premium due and when does insurance coverage begin?
The premium must be paid immediately upon receipt of the insurance policy and the premium invoice. In the event of late payment, insurance coverage will not commence until that time.
What is covered under a single trip medical insurance policy in the event of a Covid-19 illness?
What is the cost of health insurance abroad for 1 year?
Price: from 9.90 euros per year for individuals, couples and families. The international health insurance for one year (annual travel health insurance) is valid for any number of trips per year up to 56 days at a time.
When should I take out health insurance abroad at the latest?
The international health insurance must be taken out before leaving the country. It cannot be taken out for the respective trip if you are already abroad.
Calculation information
The calculation is based on the number of travel days, the age of the entered participants, the travel destination and the selected scope of insurance. The day of arrival and departure count as full days. There is no insurance tax on the international health insurance. On all other selected insurances include an insurance tax of currently 19%.
Where does the annual international health insurance apply?
Insurance cover is provided worldwide abroad. The country in which the insured person has a residence is deemed to be abroad.
What does the health insurance abroad cover?
The foreign health insurance includes the medically necessary treatment of an insured person due to illness or consequences of an accident.
What is considered curative treatment?
When prescribed by a Physician, the following treatments are considered Medically Necessary:
Read our blog posts with lots of important information about health insurance abroad in the EU and worldwide:
