travel health insurance up to 365 days

travel health insurance up to 365 days

This travel health insurance is applicable to all private or business trips abroad, lasting not longer than 1 years, of persons with their permanent place of residence in Germany. No deductible!

benefits (among others):

  • outpatient and in-patient medical treatment
  • medication, bandaging material, medical appliances
  • ambulance service for in-patient medical treatment
  • painkilling dental treatment
  • medically indicated treatment during pregnancy due to acute medical condition
  • return transport to home country

For more information on benefits included, please see "benefits" below.

Please choose "USA & Canada incl.", if you will stay there longer than only for transit reasons (see also right side).

travel health insurance up to 365 days (no deductible)
premium per day USA & Canada excl. USA & Canada incl.
up to 65 years 1.15 € 3.10 €
from 66 years 3.50 € 9.50 €

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

  • This travel health insurance can be booked by everybody staying abroad for private or business reasons (max. 365 days). The insurer is HanseMerkur Reiseversicherung AG.
  • Is not required that you are 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.
  • If you are travelling on a transit flight through USA or Canada or if you spend not more than 1 night as a transit passenger on your outward and/or return journey, you can apply the cheaper premium “USA & Canada excluded”.
  • The insurance coverage is valid worldwide except of USA & Canada (if choosen), 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)
  • 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: 365 days. If you are staying abroad more than 12 months, please choose "travel health insurance up to 5 years).
  • If your travel plan is changing while you already abroad, you can prolong your policy up to 365 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 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.

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 (becoming neccessary because of an accident)
  • massages, medical dressings, inhalations and physiotherapy
  • painkilling dental treatment, including simple fillings and measures of restoring the function of existing dentures
  • cure, sanatorium or rehabilitation, if becoming neccessary due to severe stroke, heart attack or skeletal disorder
  • medically indicated treatment during pregnancy due to acute medical condition as well as medically induced abortion
  • 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
  • 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

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: