You may be wondering why you actually need travel health insurance.
Are you not covered by normal statutory health insurance abroad?
The answer to this question is: unfortunately only partially!
On the one hand, it depends on the country you are traveling to:
If, for example, it is a country that is not a Schengen state, such as Tunisia or Egypt, you are simply not covered by health insurance without private travel health insurance and are therefore exposed to an extreme health and financial risk. This is because if you fall ill there and need medical treatment and, in the worst case, even need to stay in hospital for several days, you will bear all the costs alone.
Particularly in countries where medical and treatment costs are considerably higher than in Germany, such as the USA or Canada, expenses can quickly arise that can put a normal earner without travel health insurance in financial difficulties.
Secondly, the nature of your illness or the extent of the treatment you require plays a role:
Most European countries, i.e. the so-called Schengen states, have concluded a social security agreement with Germany. As long as you are staying in these countries, your health insurance will cover the costs of treatment etc.. If, for example, treatment abroad costs €1000, but only €800 in Germany, you will have to pay the difference out of your own pocket. Unless, of course, you have private travel health insurance to cover you in such a case.
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