International health insurance
International health insurance offers financial protection if you fall ill or have an accident while traveling outside your home country. It covers the costs of medical treatment, hospital stays and medically necessary repatriation to your home country. It is particularly important as many domestic health insurance policies offer no or only limited cover abroad.
Further important information and benefits of single trip health insurance:
| For whom is this insurance: | Persons up to the age of 75 are generally eligible for insurance. The admission age depends on the selected tariff and may therefore vary |
| Time period: | Insurance cover is provided for the period stated in the insurance policy, but for a maximum of 365 days for non-work-related trips abroad |
| Start of insurance: | The insurance cover begins on the agreed date (commencement of insurance), but not before conclusion of the insurance contract and not before payment of the premium |
| Payout: | The international health insurance is obliged to pay benefits if the billing addresses are submitted and the necessary evidence is provided. All receipts must contain the name of the treating physician, the first name, surname and date of birth of the person treated, as well as the name of the illness and the individual medical services with treatment data |
| End of insurance: | The insurance cover ends - also for pending insured events - at the end of the stay abroad or the insurance relationship or at the end of the return transportation, but at the latest at the end of the insurance policy |
Insurance conditions for international health insurance
Info sheet for single trip health insurance
Travel cancellation insurance
Travel cancellation insurance is designed to cover the costs incurred if you have to cancel a trip due to unforeseen circumstances, such as illness or a death in the family. It can reimburse the cost of non-refundable airline tickets, hotel bookings and other travel expenses that have already been paid. Trip cancellation insurance can help you avoid significant financial losses if you have to change your travel plans unexpectedly.
| Important information and benefits: | |
| For whom is this insurance: | Groups, families and individuals |
| Number of trips: | For travel within the specified period |
| Closing date: | No later than 14 days before departure |
| Max. age of tour participants: | No age limit, but the date of birth must be given for each person |
| Max. number of tour participants: | No maximum number of persons |
| Max. total price of the trip in euros: | 10.000 Euro |
| Deductible (only for tariffs with deductible): | The excess in each claim is 20% of the recoverable loss, with a minimum of 25 euros per person. |
Note: Rebooking costs due to a later arrival (flight rebooking, hotel rebooking, etc.) are NOT insured.
Luggage insurance
Our luggage insurance offers financial protection for your personal luggage while you are traveling. It usually covers loss, theft or damage to your baggage and personal belongings. In some cases, it can also cover the cost of replacing necessary items if your baggage is delayed. So with this insurance, you can travel with peace of mind knowing that your valuables are protected.
Travel liability & accident insurance
Our property package includes the following insurances:
- Travel liability insurance:
Our travel liability insurance offers protection against financial consequences if you cause damage during your trip for which you can be held liable. This could be physical injury to other people or damage to their property. The insurance usually covers the cost of compensation, and it can also help to defend against unfounded claims. It is a valuable addition to your insurance cover, especially if you are traveling abroad. - Travel accident insurance:
Travel accident insurance offers financial protection if you suffer an accident during your trip that results in serious injury or even death. It can provide a one-off payment or an annuity for permanent disability, and can also cover costs for special services, such as rescue costs. It is an important consideration if you are traveling to riskier areas or planning activities with a higher risk of injury.
This means you are covered against third-party claims for damages and receive financial support in the event of an accident.
| Insurance division | Scope of insurance |
| Travel liability insurance | |
| Personal injury and property damage | 5 Mio. € |
| Property damage | 1 Mio. € |
| Damage to rented immovable property | 500,000 € |
| Damage to rented movable property (except motor vehicles of all kinds) | 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 benefit | 10 € |
| Recovery costs | 5,000 € |
| Travel legal protection (from 5 persons included) | |
| Judicial and extrajudicial assertion of claims for damages | ✓ |
| Defense in criminal proceedings or administrative offenses for employment and social law proceedings | ✓ |
| Sum insured | 1.000.000 € |
► Insurance conditions for travel liability insurance
► Insurance conditions for accident insurance
► Insurance conditions for legal protection insurance
Internship damage
The additional cover for internship damage can only be taken out in conjunction with the liability insurance included in the property package.
This is possible:
- as part of a degree course or Erasmus Plus program
- outside of a study program or Erasmus Plus program
This means that you are insured against damage during your internship abroad.
