Travel health insurance

Travel health insurance up to 365 days

Travel health insurance for all travellers staying abroad for private or business reasons. Best benefits - free choice of doctors or hospitals, no deductible!

Insurance coverage is valid abroad, which is not a country where you have a registered residence. Please find a list of all benefits below the chart.

Insurer: HanseMerkur Reiseversicherung

Travel health insurance (max. 365 days)
duration of stay: excl. USA & Canada incl. USA & Canada
up to 64 years from 65 years up to 64 years from 65 years
4 days 8 € 19 € 13 € 29 €
10 days 12 € 29 € 19 € 79 €
17 days 21 € 49 € 29 € 119 €
31 days 39 € 79 € 59 € 215 €
45 days 55 € 115 € 99 € 309 €
62 days 85 € 195 € 165 € 395 €
93 days 155 € 365 € 289 € 495 €
from 94 days (each) 1.90 € 4.50 € 4.50 € 12.50 €
Trips of 94 days or more: The premium per day will be calculated for the whole duration of stay (first to last day).
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

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: