basic coverage package for stays up to 5 years

Either in addition to your travel health insurance or also separately available:

  • travel emergency insurance
  • travel addicent insurance (death: 10,000 €, disability: 125,000 €)
  • travel private liability insurance (1.5 Mio. €)

Applicable for all stays abroad worldwide.

basic coverage package worldwide (no age limit)
stays up to: per single person per family
5 days 3 € 6 €
15 days 4 € 9 €
1 month 6 € 15 €
2 months 8 € 20 €
3 months 13 € 33 €
4 months 21 € 51 €
5 months 31 € 77 €
6 months 35 € 87 €
7 months 39 € 99 €
8 months 45 € 111 €
9 months 49 € 125 €
10 months 55 € 141 €
11 months 59 € 153 €
12 months 69 € 171 €
13.-60. month 9 € (each) 19 € (each)
calculation of premiums for stays of more than 1 year:
premium of 12-month period + premium per additional month each
application of product / prolongation & premature termination

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

  • The basic coverage package can be booked either in addition to your travel health insurance or separately.
  • It is not required to be a student. The STA Travel basic coverage package can be booked by everybody. The insurer is HanseMerkur Reiseversicherung AG.
  • There is no age limit.
  • The basic coverage package needs to be booked for the entire journey time (date of departure from your home country until date of return to your home country)
  • If you wish to insure only a part of your journey time, please contact us. Exceptionally it is possible to insure parts of a journey time.
  • Maximum insurance period: 60 months. If you are staying abroad more than 12 months, the premium “12 months” will be applied and additionally the monthly premium for each additional month according to the chart above.
  • Family: 1 or 2 adults + minimum 1 child under 18 years of age, in total max. 5 persons. Full-aged children are included, if still in formation.
  • If your travel plan is changing while you already abroad, you can prolong your policy up to 60 months. The additional premium is exactly counted for the extended time. Please contact us by e-mail before your present policy expires.
  • If you return earlier than expected to your home country, premiums paid for the remaining travel months 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).

emergency insurance:

  • no deductible
  • search, salvage and rescue costs up to 5,000 €
  • in-patient stay: compensation of hotel costs (max. 2,500 €, max. 10 days) for fellow travellers of the insured person, if the journey is a round trip or cruise or if the stay abroad must be prolonged because the insured person can not be transported due to medical reasons    
  • if a stay in hospital exceeds 5 days and is not yet finished: traveling costs (outward and return journey) for an on-site visit of 1 related person      
  • organization of repatriation to the home country of the insured person or funeral abroad (only organization costs)     
  • organization of the return transport to the home country in case of death, accident or severe illness of the insured person, fellow travellers or relatives (only organization costs, full coverage of costs for medically reasonable return transport is a benefit only of the health insurance)
  • kidnapping of the insured person or a fellow traveller: loan up to 10,000 €
  • care for under-aged children having to continue or break the journey due to accompanying persons having suffered death, accident or severe illness      
  • assistance to find a lawyer abroad as well as loan (max. 3,000 €) for lawyer, court and/or interpreter   
  • assistance and costs of replacement of stolen or lost identification documents abroad      
  • assistance in blocking of credit cards or debit cards

accident insurance:

  • no excess
  • payment of an indemnity in case of death or invalidity as a result of an accident during the journey
  • search, salvage and rescue costs, transport of the insured person to hospital or to place of permanent residence (if ordered by a doctor, up to the amount insured)
  • also insured: passengers of an airplane crash and sports accidents (except  of parachuting/skydiving, training and participation in motor vehicle events)
  • also insured: office job, teaching, administration, tour guide

private liability insurance:

  • private liability damage claims against insured persons
  • requirement: damage event during the journey resulting in death, injury, poor health (personal damage) or destruction of goods (property damage)
  • also insured: loss of foreign house keys (eg. homestay family) up to 250 € (no keys for safe, furniture or motor vehicles)
  • also insured: damage to movable items of homestay families (max. 2,500 €)
  • excluded: any damage related to keeping, driving or owning a motor vehicle (private travel liability insurance is not a third-party vehicle insurance)
  • deductible only in case of damage to rented rooms (10 %, minimum 125 €), loss of keys (20 %, minimum 50 €), home of homestay family (10 %, minimum 150 €)
how to make a claim (travel emergency insurance)

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 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).
  • 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.
how to make a claim (travel accident insurance)

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.
  • 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
  • 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
how to make a claim (travel private liability insurance)

Please consider the following information in the event of damage:

travel private liability insurance

  • Please do by no means make an acknowledgement of debt.
  • Please note names and full addresses of aggrieved parties and witnesses.
  • Please inform HanseMerkur Reiseversicherung AG and submit the damage notice for verification and further treatment of claims.
  • 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
  • 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