Our Long Term Health Insurance

Costs of outpatient treatment

Ambulance transports

Rehabilitation measures

Preventive medical examinations after 6 months waiting period - per insurance year:

– For early detection of cancer

– Screenings for children

Psychoanalytic or psychotherapeutic treatments (maximum 10 sessions)

Inpatient treatment

Costs of inpatient treatment

Ambulance transport

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

Sick visit and up to 10 nights in hotel

Hotel accommodation of insured fellow travelers for a maximum of 10 days

Rehabilitation measures

Optional alternative daily allowance up to 14 days per day

Dental treatments

Analgesic conservative dental treatments

Dental fillings in simple selection

Repairs of existing dentures

Dentures due to an accident

Dentures after 6 months waiting period:

– in the first two insurance years in total for both years

– in each additional insurance year

Medication, dressings, remedies or aids

Medication and dressings

Remedies:

– Light and other physical treatments

– Massages, packs, inhalations, physiotherapy

Auxiliary means:

– Accidental aids

– Repairs of existing aids per insurance year

– Initial acquisition of aids

Visual aids

Pregnancy

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

Preventive examinations and childbirth

Treatment costs of the premature baby

Repatriation, repatriation, funeral

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

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

Rescue costs

Search, rescue and recovery costs

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

Shipping of medicines (shipping costs)

Information about doctors and hospitals at the place of stay

Transmission of information between doctors

Luggage retrieval

Psychological support

Medical Interpreter Service

Expense allowance

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

– for inpatient treatment up to 14 days and per day

Deductible

Compensation limits - for the items listed below, compensation is limited to the following amounts per insured event:

Spectacles, contact lenses, hearing aids, musical instruments, each with accessories - per item up to

Golf and diving equipment, bicycles, electric bicycles and e-scooters each with accessories up to

Surfboards and sail surfing equipment each with accessories up to

Mobile phones, smartphones and tablet PCs each with accessories up to

Other IT equipment and electronic entertainment equipment, in each case with accessories up to

If the delivery period is exceeded, we shall reimburse the proven expenses for necessary replacement purchases up to

Deductibleper insured event

Insured events

Damage to luggage in custody

Delayed delivery of luggage

Criminal acts of third parties, traffic accidents or natural hazards

Liability risks of everyday life

Liability claims due to damage to rented property per insured event (deductible: 20 % of the ascertained damage, at least 50 EUR)

Damage in the host family's household (excess: 10 % of the determined damage, minimum 200 EUR)

Damage resulting from the activity as an au pair (excess: 20% of the determined damage, at least EUR 50)

Key loss

Property damage

Professional liability (excess: 10 % of the determined damage, at least 200 EUR)

Bad debt insurance (excess: 10 % of the determined damage, at least 200 EUR)

Insured benefits

Sum insured in the event of disability (progression in the event of more than 25 % disability 350 %) up to

Sum insured in case of death

Sum insured for children up to the age of 18 years

for rescue costs

for cosmetic operations

Insured events

Damage to health due to an accident event

Strains, torn ligaments

Deductible

In case of illness/accident

Return travel costs to the home country in case of illness of family members

In the event of trip interruption or delayed return journey (loan for additional costs)

due to illness, accident or death

due to kidnapping until

Travelling call

For prosecution

Assistance in the event of imprisonment and threat of imprisonment (loan) up to

Loan on Criminal Bail

In case of loss of means of payment and documents

Loss of travel funds (loan) up to

Assistance in case of loss of credit cards and EC or Maestro cards

Loss of travel documents

Help with rebookings/delays

Deductible