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Our Long Term Health Insurance

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Home      Travel insurance      Travel insurance      Long Term Health Insurance for seniors abroad

Why take out long-term international health insurance for senior citizens?

When senior citizens spend a longer period abroad, whether for a long-term vacation, a longer stay with family or even permanent emigration, long-term international health insurance is essential. This insurance offers protection against the high costs that can arise in the event of illness or an accident abroad. As most international health insurance policies are only valid for a maximum of 60 days, you need long-term international health insurance for trips lasting longer.

Health problems can occur more frequently in old age, so it is particularly important that senior citizens are well covered - even if this means additional costs. International health insurance for senior citizens should be specially tailored to the needs and risks of this age group. For example, it covers the costs of visits to the doctor, hospital stays, medication and medically necessary return transportation to the home country.

NOTE: See your doctor before you travel and discuss the destination and type of trip - these should be tailored to your needs.

Why does it make sense to take out travel insurance for senior citizens through an insurance broker?

  • An insurance broker provides expertise and advice for the selection of appropriate travel insurance.
  • Support in the event of a claim, including assistance with claims settlement.
  • Works in the interest of the client, not the insurance company.
  • Customized solutions can be offered to cover specific travel needs.
  • Brokers work with a variety of insurance companies to provide a wide range of options, allowing them to recommend the best possible travel insurance.

Comparison of long-term international health insurance for senior citizens 2025

  Würzburger Würzburger Allianz Care
max. travel time up to 1 year up to 1 year up to 5 years
Service overview PDF PDF PDF
Worldwide insurance protection possible possible possible
Deductible health insurance abroad - - selectable
Age limit 74 years over 75 years possible 74 years
Services very good very good very good
possible additional services many many very many

Insurance benefits

Travel insurance Würzburger

Overview of benefits Tariffs Würzburger

Excerpt of the main services
 
Medical expenses for outpatient and inpatient treatment, if medically necessary and unavoidable
100 %
Pain-relieving dental treatment Simple dental fillings and repairs of dentures up to 100% Note: Exclusion of orthodontics
max. 500 € (not for existing dental damage)
 
Repatriation costs for further treatment in the home country
if medically reasonable and justifiable
 
Transfer costs in case of death
up to 25.000 €
 
Daily premium for health insurance per participant  
up to 34 years
0,99 €
 
35 – 64 years
1,25 €
 
from 65 years
2,10 €
 
Daily premium for travel to the USA / Canada  
up to 34 years
2,50 €
 
35 – 64 years
2,70 €
 
from 65 years
4,20 €
 

Additional Würzburger benefits (optional)

Insurance segment Insurance coverage  
Travel liability insurance    
Personal injury and property damage 5 Mio. €  
Property damages 1 Mio. €  
Damage to rented immovable property 500.000 €  
Damage to rented movable property (except for all types of motor vehicles) 1.000 €  
With deductible 50 € per insured event  
Key loss 2.000 €  
With deductible 150 € per insured event  
Travel accident insurance    
Disability payment 55.000 € (123.750 € with 100% disability)  
Death benefit Under 18 years 10.000 € / Above 18 years 25.000 €  
Daily hospital allowance with convalescence benefit 10 €  
Rescue costs 5.000 €  
Travel legal protection included for more than 5 people  
Judicial and extrajudicial assertion of claims for damages ✓  
Defense in criminal proceedings or administrative offenses for labor and social law proceedings ✓  
Insured amount 1.000.000 €  
Würzburger Reiseversicherungen

Overview of benefits Würzburger tariffs

Overview of benefits of the long-term health insurance:

Benefits    
max. travel time up to 1 year  
Outpatient treatment

Costs of outpatient treatment

 100 %  

Ambulance transports

 100 %  

Rehabilitation measures

 -  

Psychoanalytic or psychotherapeutic treatments

 -  

Inpatient treatment

Costs of inpatient treatment

 100 %  

Ambulance transport

 100 %  

Accompanying person in the hospital for children up to 18 years of age

 100 %  
Sick visit of a close relative 100 %  
Outward and return travel costs of the person 100 %  

Rehabilitation measures

 -  

Dental treatments

Analgesic conservative dental treatments

 100 %  

Dental fillings in simple selection

 100 %  

Repairs of existing dentures

 100 %  

Dentures due to an accident

 100 %  

Medication, dressings, remedies or aids

Medication and dressings

 100 %  

Remedies:

– Light and other physical treatments

 100 %  

– Massages, packs, inhalations, physiotherapy

 100 %  

Auxiliary means:

– Accidental aids

 100 %  

– Repairs of existing aids per insurance year

 -  

– Initial acquisition of aids

 100 %  

Visual aids

 -  

Pregnancy

Examinations, treatments in case of complications, premature birth, miscarriage

 100 %  

Preventive examinations and childbirth

 100 %  

Treatment costs of the premature baby

 50.000 EUR  

Repatriation, repatriation, funeral

Return transport of sick person including transport costs of an accompanying person

 100 %  

Repatriation or burial abroad up to the amount of the repatriation costs

 100 %  

Rescue costs

Search, rescue and recovery costs

 5.000 EUR  

Childcare

Costs for the care of minor children and additional costs for their return journey or costs of accommodation with the carers in hospital

 -  

Additional services

Telephone costs when contacting the emergency service

 100 %  

Shipping of medicines (shipping costs)

 100 %  

Information about doctors and hospitals at the place of stay

 100 %  

Transmission of information between doctors

 100 %  

Luggage retrieval

 100 %  

Psychological support

 -  
Medical assistance 100 %  

Expense allowance

– in the case of outpatient treatment, once and regardless of the number of treatments

 25 EUR  

– for inpatient treatment up to 14 days and per day

 50 EUR  

Deductible

 no deductible  

Additional Würzburger benefits (optional)

Additional optional insurances can only be taken out in combination with the international health insurance and are limited to 21 days within the travel period.

Bike insurance (optional)

Insured objects:
Bicycle, electric bicycle (property of the insured person) -  

Insured risks:
Theft, breakdown, bicycle accident, transportation accident -  
Loss, damage or late delivery of the electric bike/bicycle -  

What will be refunded:
Rental costs for rental bike - 150 EUR
Repair costs - 150 EUR
Travel costs to the start/finish of the day's stage - 150 EUR
Accommodation costs - 150 EUR
Travel costs to the garage - 50 EUR
Shipping and customs costs for spare parts - 150 EUR

Deductible

 - None
Maximum compensation limits
Single person - 300 EUR
Couples & Families - 600 EUR
     

TRAVEL CAREFREE PACKAGE(option)
Insured risks:    
Damage to your property (main residence) -  
Key loss/damage -  
Domestic repatriation in the event of accident & illness during your trip in Germany -  
Loss of medicines prescribed by a doctor -  
Underage child (up to 18) must continue/break off a journey alone or is hospitalized -  
What will be refunded:    
for damage to your property:
Return travel costs - 1.500 EUR
Security costs - bis 48 Std.
Hotel costs - 100 €/Tag
Emergency repair - 500 EUR
Psychological support - 500 EUR
in case of key loss/damage:
Locksmith service - 500 EUR
in the event of accident & illness during your trip in Germany:
Return transport - 2.500 EUR
in the event of loss of medically prescribed medication:
Shipping costs for drugs from Germany -  
in the event that your minor child has to continue or break off a trip alone:
Costs for the care of your underage child (up to 18) during the trip -  
in the event that your minor child is hospitalized during the trip:
Assumption of costs for the outward and return journey of a close relative -  
Hospitalization of a close person -  
Telephone charges for the assistance hotline -  
Deductible - None
Maximum compensation limit - None
     

Hiking and mountain sports insurance(optional)

Insured risks:
Rescue as a result of an accident, mountain, sea or water emergency -  
Accident consequences -  

What will be refunded:
Rescue costs - 7.500 EUR
Healthcare costs - 4.500 EUR
Cosmetic surgery - 8.000 EUR
Costs for an accompanying person for inpatient treatment of a child up to 15 years of age - 800 EUR
Rental fee for aids (e.g. crutches, wheelchairs) -  
Deductible costs for hospitalization -  
Material costs for damaged clothing & equipment - 1.000 EUR

Deductible

 - None
Maximum compensation limits
Rescue costs - 7.000 EUR
Healthcare costs - 4.000 EUR
Cosmetic surgery - 8.000 EUR
Material costs - 1.000 EUR
     

Golf insurance (optional)

Insured objects:
Golf equipment -  

Insured risks:
Equipment:    
Burglary and robbery -  
Simple theft -  
Breakage -  
Transportation accident -  
Force majeure -  
Baggage loss/delay caused by the carrier -  
Person:    
Green fee charges in case of accident/illness -  
Costs for a party at "Hole-In-One" -  

What will be refunded:
Equipment:    
for simple theft: current value - 500 EUR p.P.
in the event of breakage/damage: Current value - 400 EUR p.P.
In the event of burglary/robbery/transport accident/lost property/force majeure: current value - 2.500 EUR p.P.
in the event of baggage loss/delay: costs for rental equipment - 800 EUR p.P.
Person:    
in the event of accident/illness: proven costs for green fee charges -  
Costs for a party at "Hole-In-One" - 500 EUR
Deductible - None
Maximum compensation limits
Current value/individual - 2.500 EUR
Time value/couples & families - 5.000 EUR
Allianz Travel insurances

Overview of benefits Allianz tariffs

Extract of the most important services
Care
Care Plus
Care Pro
Maximum refund
500.000 €
1.125.000 €
2.250.000 €
Hospital accommodation
Double room
Single room
Single room
Outpatient operations
✔️
✔️
✔️
Partial inpatient treatment/day clinic
✔️
✔️
✔️
Operating costs
✔️
✔️
✔️
Intensive care
✔️
✔️
✔️
Long-term care
Max. 90 days for life
Max. 90 days for life
Max. 90 days for life
Organ transplantation
✔️
✔️
✔️
Psychiatry and Psychotherapy*
✔️
✔️
✔️
Costs for doctors and therapists*
✔️
✔️
✔️
Prescription medicines and materials*
✔️
✔️
✔️
Preventive operations
X
X
30.000 €
Daily hospital allowance (per night)
105 € for max. 25 nights
105 € for max. 25 nights
105 € for max. 25 nights
 
from 147,- € per month
from 158,- € per month
from 230,- € per month

► Comparison of the complete services

      
       
*only for inpatient and day-care treatment      

Additional Allianz benefits (optional)

Maternity tariff

      
Benefits Bloom Bloom Plus  
Regular pregnancy 5.000 € 10.000 €  
Complications during childbirth 10.000 € 15.000 €  
Note: The maternity tariffs can only be purchased with the Care Pro or Care Plus main tariffs. The maternity tariff is not available with the Care main tariff.      
       

Outpatient tariff

      
Extract of the most important services Active Active Plus Active Pro
Maximum refund 5.000 € 8.725 € 19.000 €
General practitioner costs and prescription medicines 700 € 1.000 € ✓
Cancer screening X ✓ ✓
Video consulting services** ✓ ✓ ✓
Infertility treatments X X 80 % Reimbursement up to €12,000 for life
Note: Cover for everyday or routine treatment, such as GP visits, diagnostic tests, vaccinations or costs of appointments with a specialist.      
       

Dental tariff

      
Benefits Smile Smile Plus  
Maximum refund 2.050 € ✓  
Dental treatments 80 % Refund 100 % Refund  
Surgical dental procedures 80 % Refund 100 % Refund  
Periodontal dental treatment 80 % Refund 100 % Refund  
Orthodontics and dentures 50 % Refund 65 % Refund, up to 5.000 €  
Note: The following dental tariffs are optional. Smile Plus can only be taken out in combination with the Care Pro Core Plan. Smile can be taken out together with the main tariffs Care Plus or Care Core. Our dental tariffs are not available individually.      
       

Return transport tariff

      
Medical repatriation    
If the necessary treatment cannot be provided locally, you may choose to be transported back to your home country instead of to the nearest appropriate medical facility ✓    
If ongoing treatment is necessary, we will reimburse the reasonable costs of accommodation in a hotel ✓    
Return transport if no sufficiently controlled blood reserves are available ✓    
If, for medical reasons, the insured person cannot be transferred after completion of inpatient treatment and discharge from hospital, we will pay the reasonable costs of accommodation in a hotel ✓ (max. 7 Tage)    
Costs for an accompanying person in the event of a medical return transport 3.000 €    
Travel costs for insured family members in the event of repatriation 2.000 € per.repat    
Travel expenses for insured persons accompanying a family member whose life is in danger or a deceased family member 1.500 €    
Note: If Treatment Guarantee is not obtained in advance of benefits, we reserve the right to reject the claim for reimbursement. If the medical necessity of the treatment is subsequently proven, only 50% of the eligible costs will be reimbursed.      

Calculate now free of charge & without obligation your health insurance abroad:

Würzburger

Guests abroad/in Germany for up to one year:
- Age up to 74 years -

from 30 € per month

► Calculate insurance

Würzburger

German guests abroad up to 1 year:
- Age over 75 years -

from 166 € per month

► Calculate insurance

Allianz

Foreign guests up to five years in Germany:
- Age up to 74 years -

from 105 € per month

► Calculate insurance


Note: Only the contents and wording of the insurance policy and the insurance conditions are legally binding.

Long-term travel health insurance for seniors - Benefits

What costs does the international health insurance cover?

In the event of an illness or accident occurring during a trip, the travel health insurance reimburses the costs of medical treatment incurred abroad. Medical treatment is defined as medically necessary

  • Medical outpatient treatments incl. X-ray diagnostics
  • Pregnancy treatments, deliveries in the case of premature births, treatments for 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
  • in-patient treatment that cannot be postponed
  • Additional costs for a 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 accommodation
  • Transfer costs in the event of death or funeral costs

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

You can find more detailed information on the costs of long-term international travel health insurance for senior citizens in the insurance conditions.

Why travel health insurance makes sense:

Useful protection of the health insurance abroad

On the road in Asia with a scooter

Riding a scooter in Asia is very popular. However, it often comes with certain challenges. Opaque traffic rules, poor road conditions and the scooter has usually seen better days! These factors increase the risk of a road accident. The high temperatures also mean that you don't wear thick clothes. In the event of a fall, this can quickly lead to abrasions or worse. To avoid the dangers of infection, or to treat worse injuries, it is advisable to see a doctor. With international health insurance, you will not incur any unexpected costs, as medical outpatient treatment, including X-ray diagnosis, is included in the insurance benefits.

Dangers when hiking - Health insurance abroad

Hiking abroad

Hiking is one of the most popular travel activities. Be it an easy hike to a vantage point or a challenging tracking trail into nature or the mountains. What they all have in common is that they take you into unknown territory. No matter how well you inform yourself in advance, the paths are not always signposted as you know them in Germany (or in a language you can't read). The same applies to securing the paths, especially in remote areas, maintenance is often neglected. Due to the unfamiliar environment and the increased concentration required, 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 hospital far away. Transport can be immensely costly, so it makes sense to take out an overseas health insurance policy that covers the cost of ambulance transport for in-patient treatment to the nearest suitable hospital and back to your accommodation.

Visiting the dentist abroad

Unexpected dental visit

A topic that is thought about far too rarely, but happens more often than one thinks. Tempting scents or recommended delicacies typical of a country make you try dishes that you sometimes didn't even know existed. So how do you know how to eat it or what you can eat from it? If you 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 be. To avoid having to pay for them, play it safe and take out travel health insurance.

Insurance conditions for long-term international health insurance

International travel health insurance long term

Download our insurance conditions:

 

► Insurance conditions Würzburger

► insurance conditions Würzburger over 75 years

► Insurance conditions Allianz

 

Note: Only the contents and the wording of the insurance policy and the insurance conditions are legally binding.

Paying when concluding a contract online

Secure payment for international health insurance with SSL

Secure payment with verified SSL connection

Convenient payment with:

  • Direct debit / Bank collection
  • bank transfer
  • Credit card (Mastercard / VISA / American Express)
Paying for health insurance abroad with a credit card

Further information on:
Application / Payment processing / Billing and Benefits

 

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

 

Page Content

Advantages

Comparison

Benefits

Conclusion

Insurance conditions

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