Seminar Cancellation Insurance
Financially protected in the event of cancellation or withdrawal

You are insured in the event of non-attendance or premature termination of a seminar or individual sub-events of a seminar series. Additionally booked travel services (e.g. travel to and from the seminar, accommodation) are also insured if these are within 48 hours before the start or after the end of the seminar or the respective sub-event of the seminar series and these are specified in the seminar costs.

Insured events include

• Unexpected serious illness.
• Death or serious accidental injury.
• Pregnancy or complications during pregnancy.
• Breakage of prostheses and loosening of implanted joints.
• Incompatibility with vaccinations.
• Organ donation or reception.
• Significant damage to property (from EUR 2,500).
• Unexpected court summons.
• Dismissal for operational reasons, short-time working, re-employment after unemployment or change of job.
• For pupils and students in the event of a repeat examination or failure to transfer during the travel period.
• Missing the means of transportation due to a delay (over 2 hours) or cancellation.
• Illness, accident or death of a registered pet (dog/cat).

The sum insured corresponds to the insured seminar price plus any travel services.

The insurance does not cover the following cases:

• Illnesses that were known before the insurance was taken out.
• Mental illnesses without a medical diagnosis.
• Damage caused by acts of war or nuclear energy.
• Damage caused intentionally.
• Participation in demonstrations or strikes.
• Changes to appointments for purely private or business reasons without an insured cause.

Yes, restrictions apply in certain cases:

• If the selected tariff provides for an excess, part of the claim must be borne by the insured person.
• Rebooking costs and single room supplements are reimbursed up to a maximum of the cancellation costs that would have been incurred in the event of a withdrawal.

The seminar cancellation insurance is handled by HanseMerkur Reiseversicherung AG. The advantage of booking through us: we provide active support in the event of a claim and stand up for the rights of our customers vis-à-vis the insurer.

• No deductible for most insured events.
• With deductible: For serious and unexpected illnesses treated on an outpatient basis, the deductible amounts to 20% of the reimbursable loss, but at least EUR 25 per person or rental property.

The insurance premium is a one-off payment that is due immediately upon conclusion of the contract. Payment is made in accordance with the agreed method of payment.

• Start: Upon conclusion of the insurance contract (provided that the premium has been paid). If payment is made later, cover only begins on receipt of payment.
• End: Upon commencement of the seminar, the start of the seminar or the occurrence of an insured event - depending on which event occurs first.

Cancellation is not required. The contract applies exclusively to the insured seminar and ends automatically after the start of the event.

• Directly when booking the seminar or at the latest 30 days before the start of the seminar.
• If the booking is made less than 30 days before the start, the insurance must be taken out no later than the 3rd working day after the booking.

The sum insured must be at least equal to the seminar price.
If a lower sum is chosen, the reimbursement will be reduced proportionately.

The insurance cover applies to seminars and events in Europe.