Health insurance abroad

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  • Single- or Annual insurance
  • no deductible in case of illness
  • Outpatient and inpatient treatment
  • Return medical transport
  • including corona disease

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Home      Insurance      Travel insurance      International travel health insurance

Health insurance for holidays abroad

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!

International health insurance for a trip

  • For trips up to one year
  • Billing to the day
  • Individual additional services selectable
  • Contract ends automatically with the trip
  • Including corona disease

From € 0.99 per person per day

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International health insurance for longer trips

Annual travel health insurance

  • Any number of trips per year
  • Travel up to 56 days at a time
  • For individuals, couples and families
  • Without additional advance notification of the trip
  • Including Corona disease

From €9.90 per year

►click here to take out now

more information

One time travel cancellation insurance

Overview of services (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 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 € in case of 100 % disability)  
death benefit under 18 years 10.000 € / over 18 years 25.000 €  
Daily hospital allowance with convalescence benefit 10 €  
Rescue costs 5.000 €  
travel legal protection    
judicial and extrajudicial assertion of claims for damages  
Defense in criminal proceedings or administrative offenses for labor and social law proceedings  
sum insured 1,000,000 €  

Information and services for unique trips

Trip cancellation insurance, with optional Corona benefits, not only covers trip cancellation costs, it also includes trip interruption insurance.

More important information and benefits of the RRV:

Who is this insurance for: Groups, families and individuals
Number of trips: For one trip within the specified time period
Closing date: No later than 14 days prior to the start of the trip and no later than 30 days after the trip is booked.
Max. Age of trip participants:

No age limit, however, the date of birth must be provided for each person

Corona services: Optional: Corona quarantine additional insurance is with deductible.
Max. Total trip price in Euro:

10.000 Euro

Deductible (only for plans with deductible):

The deductible in each claim is 20% of the recoverable damage, minimum 25 euros per person.

► take out travel cancellation insurance now

►Informations for unique trips

Material package (optional when traveling abroad)

Our property package includes the following insurances:

  • Liability insurance
  • accident insurance and
  • Legal expenses insurance

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

► Insurance conditions for accident insurance

► Insurance conditions for legal protection insurance

Annual travel cancellation insurance

Information and benefits of the annual insurance

The trip cancellation insurance for individuals, couples and families including corona disease not only covers the cancellation costs of the trip, it also includes travel assistance.

More important information and benefits of the RRV:

Who is this insurance for: Individuals, couples, families*
Number of trips: For one or more trips within a year
Closing date: No later than 30 days prior to the start of your trip. If the start of your trip is less than 30 days in the future, you can still purchase insurance 3 days after booking your trip.
Max. Age of trip participants:

No age limit, however, the date of birth must be provided for each person

With or without travel cancellation insurance:

Travel Cancellation Basic Coverage: Travel Cancellation Insurance (with deductible only) Travel Cancellation Full Coverage: Travel Cancellation Insurance and Travel Curtailment Insurance (with or without deductible).

incl. Corona benefits:

Cost coverage in case of personal quarantine and/or COVID-19 illness**.

Max. Total travel price of the trip in Euro:

For a single person max. 10,000 euros For couples and families max. 12,000 euros

Deductible (only for plans with deductible):

The deductible in each claim is 20% of the eligible loss, minimum 25 euros per person.

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* Definition of couple and family tariff: A couple or family tariff applies to a maximum of two adults (regardless of relationship and residence) and children up to their 21st birthday. Own children can be insured in any number, otherwise a maximum of six children can be insured. All insured persons must be listed by name in the insurance policy.

** A personal quarantine is an order by a public authority to restrict your whereabouts because you have come into contact with a contagious disease.

Corona Benefit Exclusions: No coverage is provided in the event of a quarantine order that applies generally to part or all of the population, to an entire vessel or to an entire geographic area. No coverage is also provided in the event of a quarantine order issued because you have previously traveled to or come from a specific location.

What costs are covered by the international health insurance?

If an illness or accident occurs during a trip, the health insurance will reimburse the costs of medical treatment incurred abroad. Medical treatment is defined as medically necessary

  • medically necessary outpatient treatments incl. X-ray diagnostics
  • pregnancy treatments, deliveries in case of premature birth, treatments due to miscarriage and abortion
  • pain-relieving conservative dental treatments including fillings and repairs
  • medically prescribed medicines 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 transport to the nearest suitable hospital at the place of residence of the insured person
  • Costs for transport of in-patients to the nearest suitable hospital and back to their accommodation
  • Transfer costs in the event of death or funeral costs

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.

More detailed information on the costs can be found in the insurance conditions.

 

What costs are covered by the international health insurance?

If an illness or accident occurs during a trip, the health insurance will reimburse the costs of medical treatment incurred abroad. Medical treatment is defined as medically necessary

  • medically necessary outpatient treatments incl. X-ray diagnostics
  • pregnancy treatments, deliveries in case of premature birth, treatments due to miscarriage and abortion
  • pain-relieving conservative dental treatment, including fillings and repairs
  • medically prescribed medicines 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 transport to the nearest suitable hospital at the place of residence of the insured person
  • costs of transport for in-patient treatment to the nearest suitable hospital and back to the accommodation
  • Repatriation costs in the event of death or funeral expenses

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.

More detailed information on costs can be found in the insurance conditions.

 

Insurance conditions for individual travel health insurance

Insurance conditions annual travel health insurance

 

What to do in case of a claim (illness)?

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.

To the online claim notification

Other important travel insurances

Travel Cancellation Insurance

  • Reimbursement of cancellation costs
  • Reimbursement of cancellation costs
  • optional Corona illness

from 1,07 € per trip

► book now

more information

Luggage insurance

  • Loss of luggage
  • Damage to luggage
  • Reimbursement for replacement purchases

from 25,- € per trip

► book now

more information

Annual cancellation insurance

  • worldwide travel cover
  • incl. Corona services
  • as many trips as you like

from 29 € per year

► book now

more information

Travel legal protection

  • Road traffic damage
  • Threat of punishment abroad
  • Legal dispute with tour operator

Additional insurance

► more information

 


Frequently asked questions about health insurance abroad:

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:

  • Medical outpatient treatments
  • Pain-relieving conservative dental treatments incl. dental fillings
  • Medications 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 that cannot be postponed and inpatient treatment

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.

Which care services are covered by the international health insurance?

  • Accommodation of an accompanying person in the hospital for children
  • Care for children in case of travel interruption due to death, serious accident or illness
  • Procurement of substitute medication at the vacation destination
  • Sick visit of a close person
  • payment of additional hotel accommodation costs for up to 10 days

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:

  • Original receipts with the name, description of the illness as well as the provided service
  • Prescriptions with doctor's bill as well as bills for remedies and aids
  • Medical certificate about the necessity of the return transport
  • Official death certificate or medical certificate of cause of death
  • Further proofs and receipts

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?

  • Treatment of an acute Covid-19 disease (Attention: a positive Corona test does not yet represent a disease!)
  • Corona test for diagnostic purposes in the context of medical treatment abroad

What does the individual travel health insurance not cover?

Not insured are:

  • Travel abroad for professional reasons
  • Treatments by non-medical practitioners
  • Childbirth, interruptions of pregnancy and examinations and treatments due to pregnancy
  • Nutritional and tonic preparations, cosmetic preparations
  • additional purchase of medicines during a trip
  • new dental prosthesis including crowns, dental cosmetics, orthodontics and implantology
  • Mental and emotional disorders, psychosomatic treatment
  • Purchase of aids, e.g. glasses, contact lenses, insoles, prostheses, bandages, forefoot relief shoe
  • 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 prior to travel. The terrorist attacks in Paris or Brussels do not count as war events).
  • Accommodation caused by need of care or custody
  • Spa and sanatorium treatments and rehabilitation measures
  • Salvage costs
  • Costs for PCR tests or antigen tests in connection with entry and exit from the country
  • Costs of transporting a Covid contact to a hospital (e.g., to a testing station to determine whether or not he or she is positive)
  • Additional costs at the destination due to quarantine (longer stay in 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 escort to accompany the minor student(s) in the event of repatriation for further treatment in the home country

Page Content

Explanation | Definition

Advantages & Benefits

Costs

Insurance conditions

In case of claim

FAQ

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