comfort coverage package for travel groups

Comfort Package for travel groups

This insurance package is applicable to group tours up to 365 Tage days. Insurances included are:

  • travel emergency insurance
  • travel accident insurance (death: 10,000 €, disability: 125,000 €; rescue: 10,000 €, cosmetic surgery: 5,000 €)
  • travel private liability insurance (1.5 Mio. €)
  • travel luggage insurance (2,000 €)

For all details on benefits and insured events please see "benefits" below the chart. Insurer of STAY Travel Insurance: HanseMerkur Reiseversicherung

Comfort Cover Package worldwide for travel groups
stays up to 365 days premium per person & day 0.30 €
group: 10 persons at least, travelling together. It is not neccessary to insure the whole group, if 10 persons of the group are insured at least.

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

  • The comfort coverage package can be booked either in addition to your travel health insurance or separately.
  • It is not required to be a student. The comfort coverage package can be booked by everybody. The insurer is HanseMerkur Reiseversicherung AG.
  • There is no age limit.
  • The comfort 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 (products for travel groups: 365 days).
  • Family: 1 or 2 adults + minimum 1 child up to 21 years of age, in total max. 7 persons
  • If your travel plan is changing while you already abroad, you can prolong your policy up to 60 months (products for travel groups: 365 days). 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 travel emergency insurance
benefits in the event of illness, accident or death:
cost assumption guarantee to the hospital (no refund of costs of treatment, but only granting a loan) 15,000 €
in case of travel inside Germany or in countries that share a border with 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 yes
benefits in the event of premature termination or delayed return due to abduction:
organisation of a return journey yes
loan for additional costs of a return journey 10,000 €
travel call yes
benefits in case of criminal proceedings:
assistance in obtaining a lawyer and/or interpreter yes
loan for lawyer and interpreter costs 3,000 €
loan for bail 13,000 €
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 yes
loan in case of loss of means of payment 1,500 €
assistance in blocking of credit cards, EC- or Maestro cards yes
assistance in procuring replacement identity documents and refund of costs thereof yes
assistance in case of loss of travel documents yes
bicycle protection:
refund of repair costs or additional travel costs in case of break-downs 75 €
refund of additional travel costs in case of theft 250 €
benefits in case of booking changes or delays:
assistance in rebooking a transport service in case of delay or cancellation yes
on request: information of third parties of changes to the planned travel itinerary yes
benefits travel accident insurance
insured events:
damage to health through an accident
pulled muscles and torn ligaments
drowning or suffocation
insured sums:
in the event of invalidity 125,000 €
in the event of death (adults) 10,000 €
in the event of death (children up to 18 years) 5,000 €
rescue costs 10,000 €
cosmetic operations resuting from an accident 5,000 €
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 liability insurance
benefits:
inspection of the liability query and settlement of justified claims
surety guarantee for annuities due
costs of a legal dispute
insured events:
liability risks of daily life 1.5 Mio. €
claims resulting from damage to rental objects 25,000 €
professional liability coverage for au-pairs during their work as au-pair yes
loss of third-party keys during an au-pair stay 250 €
damage to movable items in the household of the host familiy 2,500 €
deductible:
Damage to rental objects or in the household of the host family: 10 %, 150 € at least. Damage resulting from loss of keys: 20 %, 50 € at least.
benefits travel luggage insurance
insured events:
damage to luggage handed over for safekeeping
exceedance of the delivery deadline for luggage (delivery not on the day of your arrival at the destination; refund of purchase of necessary replacements up to 500 €)
criminal act by third parties
damage in the case of transport accidents
damage caused by fire, explosion or elementary event
insured sums:
single persons (per insured person) 2,000 €
families (per insured family) 4,000 €
limitations (maximum refund for items listed below):
furs, jewellery, items made of precious metals, photographic and film equipment, portable video systems, laptops 50 %
audio players, portable DVD players and mobile phones incl. accessories 250 €
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 €
film-, video-, audio- and data carrier value of raw materials
identity cards, passport, vehicle documents official fees
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 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 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.
  • 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)