Insurance package for travel groups

travel insurance for group tours

Travel groups travelling abroad are offered here suitable travel insurance. Applicable to all trips abroad with a maximum duration of 45 days. Insurances included:

  • travel health insurance (only 5-star premium)
  • cancellation insurance
  • interruption insurance
  • travel emergency insurance
  • travel accident insurance
  • travel luggage insurance

Travel group = at least 10 persons travelling together (same travel data, travel plan, booking) It ist not required that all members of a group are insured as long as at least 10 members are insured.

Cancellation insurance includes a deductible of 20 % of cancellation costs, if cancellation or interruption became necessary because of illness treated only outpatient. If cancellation became necessary because of any other insured event (also: illness treated in-patient): no deductible. If you prefer travel insurance without any deductible, please choose this product.

Travel insurance packages for group travel (max. 45 days)
travel price per person: 5-Star-Premium-Package 4-Star-Komfort-Package
100 € 9 € 7 €
200 € 13 € 10 €
400 € 18 € 15 €
600 € 24 € 21 €
800 € 31 € 27 €
1,000 € 37 € 33 €
1,500 € 55 € 49 €
2,000 € 71 € 65 €
2,500 € 87 € 81 €
3,000 € 107 € 97 €
4,000 € 144 € 129 €
5,000 € 176 € 161 €
7,500 € 269 € 249 €
10,000 € 350 € 320 €
Benefits cancellation cost insurance
insured benefits:
refund of contractually owed cancellation costs (incl. an agency fee of up to 100 €, which was owed, invoiced and included in the insured sum)
refund of additional outward journey costs in case of a delayed start of the trip (max. refund: amount of cancellation costs in case of entire cancellation of the trip)
refund of costs for rebooking the trip in case of an insured event (max. refund: amount of cancellation costs in case of entire cancellation of the trip)
refund of costs for rebooking the trip because of any other reason up to 42 days before departure (max. 30 €)
refund of a single room supplement in case of an insured event leading to the cancellation of an insured fellow traveller (max. refund: amount of cancellation costs in case of entire cancellation of the trip)
deductible:
In case of cancellation because of unexpected illness, which has been treated out-patient, there is a deductible of 20 % of the damage, at least of 25 €. In case of cancellation because of any other insured event, there is no deductible.
insured events:
unexpected and severe illness
death
serious accidential injury
complications in an existing pregnancy or determination of pregnancy after the commencement of the insurance
intolerance to a vaccination
information on a fixed date of an organ donation or organ transplantation according to the German law on organ transplantations
job loss followed by unemployment as a result of an unexpected
business-related termination of employment by the employer.
assumption of a job subject to social insurance or an activity with
compensation for additional costs ("1-Euro job") from a state of unemployment. Not insured: traineeships, internal trainings as well as employment of school children or students during or after their school or university time.
short-time work that is necessary due to the economic situation with
an expected reduction in income of at least the amount of a regular
monthly net pay
(voluntary) change of job, whereby the insured trip or rental falls in the probationary period, but as a maximum in the first 6 months of a new job
considerable damage to the property (at least 2,500 €) as a result of fire, water-mains burst, elementary event or criminal act by a third party
adoption of an underagend child, if your personal appearance is neccessary during the planned travel time
resit of a failed examination falling in the planned travel time or up to 14 days after end of the planned trip in order to avoid extension of the time spent at school or university or to successfully complete a course
failure to move up into the next year (if a school or class trip was booked)
unexpected summons
unexpected to do basic military service, duty training or civil service
missing a connecting means of transport as a result of delay (at least 2 hours) or cancellation of a public transport service
unexpected severe illness or death of a dog or cat registered to travel with you
additional persons at risk:
insured persons who have booked and insured a trip together (up to 6 persons; in case of more than 6 persons (family premiums: 2 families) travelling together only relatives are insured together)
relatives not taking part in the journey: spouses, life partners, children, parents, adoptive children, adoptive parents, step-children, step-parents, foster children, foster parents, grandparents, siblings, grandchildren, parents-in-law, children-in-law, siblings-in-law, aunts, uncles, nephews, nieces)
persons looking after minor-age or care-dependant relatives of an insured persons
pre-existing conditions:
No insurance coverage for pre-existing conditions which have been treated medically within the past 6 months before booking of the insurance policy (check-ups excluded).
Benefits travel interruption insurance
insured benefits:
refund of additional costs for homeward journey
refund of travel services not used in case of interruption of the journey
refund of the travel price in case of premature end of the journey: 100 % of the insured travel price in case of interruption during the first half of the trip (max. first 8 days). Partly refund of travel services not used in case of interruption during the second half of the trip (9th day at the latest).
refund of costs for follow-up travel in case of interruption of the journey (round trip or cruise) up to the amount of the remaining travel services not used
deductible:
In case of cancellation because of unexpected illness, which has been treated out-patient, there is a deductible of 20 % of the damage, at least of 25 €. In case of cancellation because of any other insured event, there is no deductible.
insured events for insured persons or additional persons at risk:
unexpected and severe illness
death
serious accidential injury
pregnancy
intolerance to a vaccination
breakage or loosening of implanted joints
information on a fixed date of an organ donation or organ transplantation according to the German law on organ transplantations
considerable damage to the property as a result of fire, water-mains burst, elementary event or criminal act by a third party
adoption of an underagend child, if your personal appearance is neccessary during the planned travel time
unexpected summons
missing a connecting means of transport as a result of delay (at least 2 hours) or cancellation of a public transport service or feeder flights within Germany
prolongation of the journey as a result of natural desaster or elementary event at the destination
additional persons at risk:
insured persons who have booked and insured a trip together (up to 6 persons; in case of more than 6 persons (family premiums: 2 families) travelling together only relatives are insured together)
relatives not taking part in the journey: spouses, life partners, children, parents, adoptive children, adoptive parents, step-children, step-parents, foster children, foster parents, grandparents, siblings, grandchildren, parents-in-law, children-in-law, siblings-in-law, aunts, uncles, nephews, nieces)
persons looking after minor-age or care-dependant relatives of an insured persons
pre-existing conditions:
No insurance coverage for pre-existing conditions which have been treated medically within the past 6 months before booking of the insurance policy (check-ups excluded).
Benefits travel health insurance
For stays abroad. Not applicable to stays in your home country (residence).
insured benefits:
out-patient and in-patient medical treatment abroad:
costs of necessary curative treatment resulting from illness or accident
chronic or existing conditions unexpectedly becoming acute
medically necessary pregnancy treatment caused by complaints
childbirth up to the end of the 36th week of the pregnancy (premature birth
treatment due to miscarriages
treatment due to medically necessary abortions
pain-relieving, conserving dental treatment including simple dental fillings, provisonal dentures as well as repairs of existing dental prostheses
medication and dressings prescribed by a physician
medically prescribed radiation, light and other physical therapies
medically prescribed massages, medicinal packages, inhalations and physiotherapy
medically prescribed aids as a result of an accident
diagnostic radiology
operations that cannot be postponed
premature birth abroad:
childbirth up to the end of the 36th week of the pregnancy: costs of medical treatment abroad of the newborne baby up to 50,000 €, if not covered by another existing health insurance
provision of information:
options regarding medical care in case of illness or accident: via the emergency service
in case of in-patient treatment abroad due to illness or accident: set up of contact and transfer of information between the insured person's GP and the treating hospital physicians: via the emergency service
in case of in-patient treatment abroad and on request: transfer of information to relatives
care services abroad:
in case of in-patient treatment of an insured child up to 18 years: costs of accommodating a companion in the hospital
organisation and compensation for the supervision of a child up to 18 years, who must continue or abandon the trip alone, to the extent that all companions or the only companion accompanying the child on the trip cannot continue the trip as planned, or must abandon the trip, because of death, a severe accident or unexpected severe illness
dispatch of required medically prescribed medication to the insured person, if prescribed medication is lost during the journey Costs of the replacement substances themselves must be refunded to HanseMerkur within 1 month.
in case a still lasting hospital stay of the insured person will exceed 5 days: compensation of costs of transport for the return trip of one close person to the hospital location and back
in case the booked stay is disrupted or prolonged as a result of the hospital stay: compensation of costs of the insured person and the insured fellow travellers for overnight costs of up to 10 days, max. 2,500 €
transport / transfer / funeral expenses:
costs of search, rescue or salvation up to 5,000 €
compensation of additional costs of a transport back to the nearest hospital at the insured person's place of residence, to the extent that a transport makes medical sense and is justifiable or if, according to the treating physician's estimate, hospital treatment abroad is likely to exceed 14 days
costs of a companion or, if necessary, an accompanying
physician, to the extent that this attendance is medically necessary, officially stipulated or specified by the company performing the transport
compensation for the costs of transporting a sick person for in-patient treatment in the nearest suitable hospital and back to their accommodation
compensation for additionally required costs incurred as a result of the demise of an insured person due to transporting the deceased to their permanent residence
compensation for the costs of a funeral abroad up to the amount that would have been incurred for a transport home
organisation and costs of the additional transport of luggage to the extent that all co-insured adults were transported back or are deceased
subsequent performance abroad:
if illness during the stay abroad makes necessary curative treatment exceeding the end of the coverage because the journey back is no longer possible as a result of an inability to travel, for which evidence has been provided, benefits must be paid under these conditions (including for a transport back if this becomes necessary) until the ability to travel is restored
further benefits:
phone costs on contacting the emergency centre in an insured event
If all curative treatment costs incurred abroad, which are covered by the payment obligation in this insurance, are submitted to another service provider / insurance company participating in the compensation
of costs before the claim is submitted to us, we pay - in
addition to the compensation of costs - an additional 50 € per day for in-patient hospital treatment lasting for a maximum of 14 days. In the case of out-patient treatment (regardless of the number of treatments and diseases), we pay an additional one-off amount of 25 € per treated person.
alternative hospital daily benefits (max. 30 days, 50 € per day) instead of the costs invoiced abroad
no deductible
Benefits Travel Emergency Insurance
Benefits in case of illnes, accident or death within Germany:
in case of travel inside Germany: organisation and refund of costs (max. 2,500 €) of a return transport to the place of permanant residence in case of an in-patient hospital stay of at least 5 days
costs of search, rescue or salvation up to 5,000 €
compensation for additionally required costs incurred as a result of the demise of an insured person due to transporting the deceased to their permanent residence
compensation for the costs of a funeral at the destination up to the amount that would have been incurred for a transport home
Benefits in the event of premature termination or delayed return
organisation of a return journey
loan for additional travel costs in case of death, severe accident or unexpected illnes of you, your fellow travellers or not travelling relatives at home
loan up to 10,000 € in case of abduction of you or your fellow travellers
Organisation of a travel call
Benefits in case of criminal proceedings:
assistance in obtaining a lawyer and/or interpreter
loan for costs of court, lawyer or interpreter up to 3,000 €
loan for bail up to 15,000 €
Benefits in case of loss of means of payment or documents:
establishing contact to the own bank and assistance in transferring an amount made available by the bank to the insured person
loan in case of loss of means of payment up to 500 €
assistance in blocking of credit cards, EC- or Maestro cards
assistance in procuring replacement identity documents and refund of costs thereof
assistance in case of loss of travel documents
Guardian Angel for your home:
organisation of a trip home and back to the destination in case of interruption of the trip due to substantial damage (2,500 € at least) to your property at home by fire, water-pipe burst, elementary event oder criminal act. Refund of costs for neccessary repairs up to 500 €.
Bicycle protection:
refund of repair costs or additional travel costs in case of break-downs up to 75 €
refund of additional travel costs in case of theft up to 250 €
Benefits in case of booking changes or delays:
assistance in rebooking a transport service in case of delay or cancellation
on request: information of third parties of changes to the planned travel itinerary
Benefits travel accident insurance
insured events:
damage to health caused by an accident
pulled muscles and torn ligaments
drowning or suffocation (incl. diving accidents)
insured sums:
in the event of invalidity (adults) up to 40,000 €
in the event of invalidity (children up to18 years) up to 10,000 €
in the event of death (adults) 20,000 €
in the event of death (children up to 18 years) 10,000 €
search, rescue and salvation 10,000 €
cosmetic operations resuting from an accident 5,000 €
Note: Insurances for earthbound trips (car, railway, coach) do not include benefits for invalidity, cosmetic operations oder search, rescue or salvation costs. Benefits in case of death are limited to 15,000 € (adults) and 10,000 € (children).
accident: The insured person involuntarily suffers damage to their health through a sudden external incident (accident), which has an effect on their body. By extension, the insurance also covers typical health damage caused by diving, e.g. decompression sickness or eardrum injury, whereby an actual accident, i.e. a sudden external incident which has an effect on the body, does not have to occur.
Benefits Travel Luggage Insurance
insured events:
damage to, destruction or loss of luggage handed over for safekeeping
exceedance of the delivery deadline for luggage at the destination (delivery not on the day of your arrival at the destination)
criminal act by third parties (theft, burglary, robbery, blackmail, criminal damage)
damage in the case of transport accidents
damage caused by fire, thunderbolt, explosion, storm, flood, landslide, earthquake or avalanche
insured benefits:
refund of the present value at the time the damage was caused
refund of neccessary repair costs for damaged items
film-, video-, audio- and data carrier: refund of value of raw materials
refund of official fees for identity cards, passport, vehicle documents
insured sums (if no upgrade was booked):
single persons 2,000 €
families 4,000 €
limitations (maximum refund for items listed below):
valuable items 50 %
golfing and diving equipment, bicycles incl. accessories 750 €
wave boards and windsurfing equipment incl. accessories 500 €
musical instruments incl. accessories (carried for private purposes) 250 €
glases, contact lenses, hearing aids 250 €
purchase of neccessary replacements 500 €
deductible:
no deductible
insured items:
travel luggage: personal travel necessities taken on the trip, as well as gifts and souvenirs acquired during the trip. Items that are normally intended only for professional purposes taken on or acquired during the trip are not insured. The present value of the items is insured.
Sports equipment incl. accessories (excluded: motors) is only insured as long as it is not being used within the scope of intended use.
Valuable items within the meaning of this provisions are furs, jewellery, items made of precious metals, photographic and film equipment, portable video systems, laptops and other electronic devices as well as mobile phones incl. accessories.
not insured items:
cash, cheques, cheques cards, credit cards, telephone cards, securities, tickets, certificates and documents of all kinds, items with very high artistic or sentimental value, dental gold, protheses of any kind, fire arms of any kind, land-, air- and water craft, hang-gliders, paragliding equipment, parachutes incl. accessories
coverage:
Insurence coverage is given worldwide, leaving the place of permanent residence (begin of journey) until return back to the place of permanent residence (end of journey). Rides, walks and stays at the place of permanent residence are not considered as journeys. Travelling by car: If the luggage is not being unloaded immediately after arrival at home, insurance coverage ends at the time of arrival.

Please consider the following information in the event of damage:

travel cancellation insurance

  • In the insured event, please make your cancellation at the airline, travel agency or tour operator without undue delay in order to keep cancellations costs as low as possible. Additional cancellation costs will not be refunded, if you wait and see if your journey might be possible in the end.
  • If you have to cancel due to unexpected illness, please see a doctor at first who has to state your incapability to travel. There is no insurance coverage, if you first cancelled your booking and then visited a doctor later on.

In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT). In addition and depending from the damage event, the following documents are to be submitted:

  • all original booking and cancellation document
  • the doctor´s documents showing diagnose and dates of treatment (illness)
  • death certificate in the event of death
  • in the event of unemployment: written compulsory redundancy and file for unemployment benefit
  • in the event of reemployment: written confirmation of the employer stating the start of the employment contract
  • in the event of (voluntary) job change: written statements of old and new employer also stating the employment probation
  • in the event of repeat examination: written confirmation of the university, college or school stating the failed examination as well as date of repeat examination
  • in the event of draft, reserve duty training or civilian service: written confirmation of the authority

damage notice:

contact data of insurer:

  • phone number 24 h emergency service center: country code for Germany (usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone)
  • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg

outpatient or in-patient treatment:

  • You can consult any doctor or hospital available at your destination (free choice). A prior coordination with HanseMerkur Reiseversicherung AG is not necessary.
  • In case of emergency please contact the emergency phone number in Germany or in Austria 24 hours a day:
    Germany: +49 40 5555 7878
    Austria: +43 1 315 2444
  • Stays in the USA: If an inpatient medical treatment becomes neccessary in the USA please never make or sign any prepayment. In case of any disagreements please immediately contact the emergency phone number.
  • In any case, a medically reasonable return transport will exclusively be arranged by the emergency call center in co-operation with the doctor / hospital in charge at the destination.
  • Outpatient treatment must be prepaid by the insured person. Please request written diagnostic analysis, the doctor´s bills, receipts and prescriptions. They can be produced in any language or currency.
  • If in-patient treatment is necessary, please immediately contact HanseMerkur. It is possible to arrange direct billing between the hospital and HanseMerkur. Please keep your policy number ready when calling the emergency phone number in Germany or in Austria:
    Germany: +49 40 5555 7878
    Austria: +43 1 315 2444
  • Please submit your claim to HanseMerkur including original documents (treatment) as well as damage notice (see below) after returning home by mail to: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg.
  • If you prefer to submit your claim already while on journey, we recommend to send all documents through an international courier service in order to avoid the risk of loss of documents.
  • In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT), damage notice, original documents issued by the doctor or hospital.

damage notice travel health insurance:

Austrian residents can submit their documents to the office of HanseMerkur Reiseversicherung AG in Vienna. Please us the damage notice for Austria:

Please consider this information in any case of emergency while you are on jour journey:

travel emergency insurance

  • In case of emergency please contact the emergency phone number in Germany or in Austria 24 hours a day:
    Germany: +49 40 5555 7878
    Austria: +43 1 315 2444
  • As cases of emergency always are reported immediately to the emergency service center, which will take over and deal with the case, there is no specific damage notice.

Please consider the following information in the event of damage:

travel accident insurance

  • In case of an accident please visit a doctor without undue delay and inform your insurer HanseMerkur Reiseversicherung AG by calling the emergency service center.
  • A fatal accident must be reported within 48 hours - even if the accident itself, now resulting in death, already has been reported.
  • 24 h emergency phone number in Germany or in Austria 24 hours a day:
    Germany: +49 40 5555 7878
    Austria: +43 1 315 2444
  • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg
  • In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT).
  • damage notice in German
  • damage notice in English

Please consider this information in the event of damage:

travel luggage insurance:

  • Documents (reports) concerning damage events can be produced in other languages than German as well as in other currencies than €.
  • Damage caused by criminal acts (e.g. theft, robbery): please report to the local police without undue delay and submit the original documents to HanseMerkur when making your claim.
  • Damage caused during transportation (flight, coach, ship): please report to the transport company without undue delay, ask for a written confirmation (e.g. damage or loss report) and submit the original documents to HanseMerkur when making your claim.
  • Damage caused during a hotel stay (also youth hostel or other kind of accomodation): please report to the management without undue delay, aks for a written conformation and submit the original documents to Hansemerkur when making your claim.
  • If you have booked a package tour: please report to the local tour guide or representative, ask for a written confirmation of your report and submit the original documents to HanseMerkur when making your claim.
  • In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT).
  • Additionally to the documents listed above, you have to submit original receipts of the stolen or damaged pieces of luggage especially in case of valuable baggage being affected (e.g. laptop, photo or film equipment, mobile phones, portable DVD player, jewellery).
  • 24 h emergency phone number in Germany or in Austria 24 hours a day:
    Germany: +49 40 5555 7878
    Austria: +43 1 315 2444
  • Address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg
  • damage notice in German
  • damage notice in English
  • damage notice in French
  • damage notice in German (clients from Austria)