For more than 20 years, BERNHARD has been an important partner in insurance for club travel for numerous clubs and associations. Through our experience in numerous cooperations, such as with the state youth rings and many other clubs and associations, we offer travel groups of 5 or more people comprehensive insurance coverage specifically required for these needs.
Depending on whether you are traveling within Germany or abroad, you will need different insurance coverage for your club travel.
Health insurance abroad
The international health insurance is the basis for insurance protection during a group trip abroad as a club or association. Additional costs incurred due to treatment or hospitalisation abroad are covered. Likewise, a necessary repatriation from abroad for a corresponding further treatment in the home country. Our international health insurance also covers you if you have to be treated for a Corona disease.
Note: Persons over the age of 75 please choose our senior citizens' insurance when taking out insurance cover.
Benefits of the international health insurance (excerpt)
| Insurance class | Scope of insurance | |
|---|---|---|
| Health insurance abroad | ||
| Medical expenses for outpatient and inpatient treatment | 100 %, if medically necessary and unavoidable | |
| pain-relieving dental treatment | max. 500 € (not for existing dental damage) | |
| Repatriation costs for further treatment in the home country | if medically reasonable and justifiable | |
| Repatriation costs in the event of death | up to 25.000 € |
Our property package (Travel liability, Accident, Legal expenses insurance)
Our property package covers you against third-party claims for damages and provides financial support in the event of an accident resulting in disability. The legal expenses insurance also supports you in the event of legal disputes.
The following insurances are included in our property package:
Overview of services (excerpt)
| Line of insurance | 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 (except motor vehicles of all types) | 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 € with 100 % disability) | |
| death benefit | under 18 years 10.000 € / over 18 years 25.000 € | |
| Daily hospital allowance with convalescence allowance | 10 € | |
| rescue costs | 5.000 € | |
| Travel legal protection | ||
| judicial and extrajudicial assertion of claims for damages | ✓ | |
| Defence in criminal proceedings or administrative offences for labour and social law proceedings | ✓ | |
| sum insured | 1.000.000 € |
Our property package (Travel liability, Accident, Legal expenses insurance)
Our property package covers you against third-party claims for damages and provides financial support in the event of an accident resulting in disability. The legal expenses insurance also supports you in the event of legal disputes.
The following insurances are included in our property package:
Overview of services (excerpt)
| Line of insurance | 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 (except motor vehicles of all types) | 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 € with 100 % disability) | |
| death benefit | under 18 years 10.000 € / over 18 years 25.000 € | |
| Daily hospital allowance with convalescence allowance | 10 € | |
| rescue costs | 5.000 € | |
| Travel legal protection | ||
| judicial and extrajudicial assertion of claims for damages | ✓ | |
| Defence in criminal proceedings or administrative offences for labour and social law proceedings | ✓ | |
| sum insured | 1.000.000 € |
Travel Cancellation Insurance
If you have to cancel your trip for an insured reason before the start of the trip, travel cancellation insurance protects you against cancellation costs incurred when you cancel your trip. Trip interruption insurance protects you against high rebooking and other additional costs within the scope of the insurance conditions in the event of premature cancellation of the trip. In the travel cancellation insurance you can choose between the coverage with deductible or without deductible. The deductible amounts to 20% of the reimbursable costs.
| Benefits of the travel cancellation costs (excerpt): | |
| Assumption of cancellation fees | |
| Return travel costs exceeding the travel price | |
| Note: Must be taken out no later than 14 days before the start of the trip. |
Corona quarantine supplementary insurance
Insured events: In the case of the insured person, persons living in a domestic community with the insured person and insured persons who have booked and insured a trip together with another person,
Not covered:
Deductible:
Baggage insurance
The luggage insurance reimburses you for the costs of the contents of your luggage in the event of theft, robbery or destruction by fire, for example.
| Benefits of travel luggage insurance (excerpt): | |
| Damage and loss due to transport, force majeure, theft, fire, water | |
| Risk of ski breakage (except for rented, borrowed or leased skis) | |
| Camping risk | |
| General sum insured | 3.000 € (can be increased on request) |
| Insured amount own musical instruments | 1.000 € |
Internship damage supplementary insurance
This additional module can be taken out as a supplement to the property package. It covers participation in job-specific internships at home and abroad, including as part of a degree course or Erasmus Plus programme.
| Benefits of the supplementary internship damage insurance (excerpt): | |
| Optional additional liability cover for internship damage | |
| Participation in job-specific internships | |
| Within the framework of a study or Erasmus-Plus programme: | |
| Personal injury and property damage: | Up to the agreed amount of cover under the liability insurance for personal injury and damage to property. |
| Outside of a study or Erasmus Plus programme: | |
| Personal injury and property damage: | with a lump sum coverage of € 10,000 with a deductible of € 100 per insured event. |
Further information on:Application / Payment processing / Billing and performance
