travel health insurance for travel groups

Applicable to all group tours worldwide and any kind of trip and destination. Maximum period of coverage is 93 days. Top benefits - no deductible!

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.

Your policy will be adapted to new travel data or the premium will be refunded in case a group tour will be shunted to another time or fully cancelled. Please get in touch with us.

Insurance coverage is valid abroad, which is not Germany and any other country where you have a registered residence. This travel health insurance expressly is applicable to trips to Russia.

travel health insurance for travel groups
stays up to: all trips worldwide up to 93 days
up to 65 years from 66 years
4 days 5 € 9 €
10 days 8 € 14 €
17 days 15 € 32 €
31 days 21 € 52 €
45 days 39 € 73 €
62 days 47 € 99 €
93 days 95 € 185 €
application of product / prolongation & premature termination

You will easily find the right premium for your trip by taking these hints:

  • This travel health insurance can be booked by travel groups. The insurer is HanseMerkur Reiseversicherung AG.
  • Definition of travel group: At least 10 persons travelling together (same travel data, travel plan, booking). It is not necessary that all group members have been insured by one policy, but it must be proved in the event of damage that all persons are members of the travel group.
  • Is not required to be insured in Germany or in any other home country while you are on your journey.
  • Only your age at the date of departure is crucial for the premium. It is of no importance if you reached an age limit while travelling.
  • The insurance coverage is valid worldwide except Germany or other home country. Home countries are countries around the world, where you have a registered residence.
  • Travel health insurance needs to be booked over the entire journey time (date of departure from your home country until date of return to your home country)
  • Maximum insurance period: 93 days.
  • If your travel plan is changing while you already abroad, you can prolong your policy up to 93 days. The additional premium is exactly counted for the extended time. Please contact us via Email before your present policy expires.
  • If you return earlier than expected to your home country, premiums paid for the remaining travel period will be refunded. Please keep your boarding card or any other document that states the date of your return und get in touch with us when you are back home.
benefits

This is a summary of the major benefits in a short version. The full terms & conditions, which are binding for your insurance coverage, can be downloaded from the right side (see: online-booking).

costs of medical treatment abroad:

  • outpatient medical treatment
  • in-patient medical treatment
  • unpostponable surgery
  • ambulance service for in-patient medical treatment
  • medication, bandaging material, medical appliances
  • massages, medical dressings, inhalations and physiotherapy
  • painkilling dental treatment, including simple fillings and measures of restoring the function of existing dentures
  • medically indicated treatment during pregnancy due to acute medical condition
  • insurance coverage of € 50.000 for newborn babies in case of premature birth (up to 36. week of pregnancy)
  • medically prescribed radiation, light and other physical treatments
  • X-ray diagnostics

follow-up treatment abroad:

  • if travelling back to home country as scheduled is not possible because the insured person is unable to be transported due to medical reasons, insurances benefits will be provided abroad until the insured person can be transported back home

return transport, repatriation and funeral costs:

  • medically reasonable return transport to the nearest hospital in the home country of the insured person (if return transport is medically reasonable, will be decided by the contractual physician of the insurer in consultation with the treating physician abroad)
  • although medically not necessary, additional costs of return travel will be covered, if the in-patient treatment abroad will last for at least 14 days and/or costs of medical treatment abroad will exceed costs of a return transport
  • costs of an insured fellow traveller accompanying the insured person, if it is medically necessary, ordered by authorities or required by the transport company
  • additional costs for return travel by any common available means of transportation (lowest class), if in-patient treatment lasts for more than 3 days
  • transportation of the deceased to the permanent place of residence
  • funeral costs abroad (up to the amount of transport costs to the home country)

limitation of insurance coverage:

  • foreseeable expenses (regular purchasing of medicine, regular check-up’s eg.)
  • normal health care during an uncomplicated pregnancy (unexpected complications covered)
  • treatment by spouses, parents or children
how to make a claim (travel health insurance)

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 24 hours a day: (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).
  • 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 (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)
  • 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: