If you travel as a family several times a year. You save compared to individual insurance policies, are covered for any number of trips up to 56 days and the contract is automatically extended.

Family insurance covers up to two adults and children up to the age of 21 - often even if they are traveling alone. Individual insurance only covers one person.

Individual insurance:

• Only the persons named in the insurance policy

Annual insurance:

• Families with up to 2 adults and children up to 21 years of age (if living in the same household)
• Insurance cover also applies if children are traveling alone

Exclusions for international health insurance for families:

• Planned treatments that were already foreseeable before the trip.
• Preventive care, cures, psychotherapy, dentures over and above emergency care.
• War, unrest or pandemics (unless otherwise agreed)

• Individual insurance: Insurance cover only applies to the booked trip. Maximum duration: up to 365 days (depending on the provider).
• Annual insurance: Insurance cover applies to all trips within an insurance year. Maximum 56 days insured per trip (with HanseMerkur), beyond that only possible in the individual tariff

If you do not start or have to cancel a trip, e.g. due to:

• illness, accident or death of a family member
• pregnancy or vaccination intolerance.
• Damage to property (e.g. fire, burglary).
• School reasons (non-promotion, exam date, class trip).

• In the case of intentional acts.
• If the reason was already known before the policy was taken out.
• In the event of general quarantine measures or travel warnings (observe Corona tariff)

• Cancel the trip immediately with the organizer.
• Report the damage immediately and submit medical certificates/receipts.
• Medical documents must confirm a clear inability to travel.