Schengen insurance up to 365 days

Schengen incoming insurance up to 365 days

A perfect travel insurance for foreign guests staying not longer than 1 year in Europe. Applicable to private trips or business travel, a year abroad or any other kind of formation in Europe (Schengen Agreement).

  • travel health insurance
  • accident insurance (death, invalidity, search & rescue costs)
  • private liability insurance (covering also deportation costs)
  • luggage insurance
  • SOS emergency insurance

Health insurance for foreign guests and visitors fulfils all the requirements for a Schengen visa set out in Regulation (EC) No 810/2009 of the European Parliament and the Council of the European Union on 13.7.2009. This insurance policy also acts as documentation for embassies, consuls and border offices.

Foreign Guests staying in Europe up to 365 days
Duration of stay: max. age: 75 years(*) / premiums per day
Health Insurance
  Basic Premium
  to 65 years 65-75 years to 65 years 65-75 years
up to 93 days 1.70 € 3.50 € 2.50 € 4.50 €
94-365 days 2.40 € 8.60 € 3.40 € 12.70 €
min. premium 10 € 10 € 15 € 15 €
Add-On Basic Profi
to 365 days 0.27 € 0.30 € 0.60 € 0.70 €
min. premium 5 € 5 € 10 € 10 €
(*)up to 75th birthday
Add-On Basic: SOS, accident & liability insurance
Add-On Profi: SOS, accident, liability & luggage insurance
Foreign Guests staying up to 365 days in Europe
Valid for stays in countries of the European Union, Schengen member states, Andorra, Monaco, San Marino and Vatican State. No coverage in your home country (permanent residence).
Benefits health insurance: Type:
Basic Profi
Stays in Germany: Outpatient medical treatment in accordance with the fee schedule set out at GOÄ acc. no. 437 and section M (laboritory services) up to 1.15-fold

1.15-fold

Stays in another country covered: according to the fee schedule set or up to 100 % 100 %
Stays in Germany: Outpatient medical treatment in accordance with the fee schedule set out at GOÄ acc. sections A, E and O (technical services) up to 1.8-fold 1.8-fold
Stays in another country covered: according to the fee schedule set or up to 100 % 100 %
Stays in Germany: Outpatient medical treatment in accordance with the fee schedule set out at GOÄ for all remaining services 2.3-fold 2.3-fold
Stays in another country covered: according to the fee schedule set or up to 100 % 100 %
Dental treatment for pain relief in accordance with the fee schedule set out in GOZ (stays in Germany) or acc. to fee schedules set in other countries, per insured year 500 € 1.000 €
Medications and surgical dressings 80 % 100 %
Radiation therapy, light therapy and other physical treatments 100 % 100 %
Massages, compresses, inhalations and physiotherapy no 100 %
Therapeutic aids following an accident 100 % 100 %
Operations 100 % 100 %
Inpatient medical treatment under general care insurance (multiple-bed room) without optional services (treatment by private doctor) 100 % 100 %
Medically necessary rehabilitation measures 100 % 100 %
Screening check-ups for early detection of cancers, per insurance year no 200 €
Outpatient psychoanalytical and psychotherapeutic treatments (up to five sessions per policy year) no 1,000 €
Dental prostheses, up to 50% (waiting period 6 months) nein 2,000 €
Dental prostheses due to an accident 500 € 2,000 €
Medically necessary treatment for pregnancy and treatment during premature birth 100 % 100 %
Pregnancy examinations, per policy year 250 € 100 %
Deliveries, including examination and treatment costs of midwives (waiting period 6 months) 100 % 100 %
Ambulance transport to inpatient treatment 100 % 100 %
Repatriation, if medically desirable 100 % 100 %
An accompanying person during return transport 100 % 100 %
Repatriation of mortal remains to the home country or funeral in the Federal Republic of Germany 20,000 € 100 %
Hospital visit where the stay in hospital exceeds 14 days no 1.000 €
Follow-up liability until restoration of ability to travel 100 % 100 %
deductible: no
Foreign Guests staying up to 365 days in Europe
Benfits liability insurance:
inspection of the liability query and settlement of justified claims
surety guarantee for annuities due
costs of a legal dispute
insured events: Type:
Basic Profi
Everyday liability risks 1 Mio. € 2.5 Mio. €
Liability claims for damage to rented property, per insured event 10,000 € 25,000 €
Damage to the household of the host family 10,000 € 25,000 €
Deportation costs 1,000 € 5,000 €
Loss of keys nein 250 €
Damage to assets nein 10,000 €
Professional liability nein 25,000 €
Bad debt insurance nein 10,000 €
deductibles:
Damage to rented property and deportation costs: 20 %, at least 50 €. Damages to the household of the host family, professional liability and bad debt insurance: 10 %, at least 200 €.
Foreign Guests staying up to 365 days in Europe
Insured events accident insurance:
damage to health caused by an accident
pulled muscles and torn ligaments
drowning or suffocation
Insured Sums: Type :
Basic Profi
In the event of disability 20,000 € 60,000 €
Progression in the event of disability exceeding 25% 350 % 350 %
In the event of death (adults) 10,000 € 20,000 €
In the event of death (children up to 18 years) 5,000 € 10,000 €
Rescue costs 5,000 € 10,000 €
Costs of cosmetic surgery 5,000 € 10,000 €
no deductible
Foreign Guests staying up to 365 days in Europe
Insured events travel luggage insurance:
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)
criminal act by third parties
damage in the case of transport accidents
damage caused by fire, explosion or elementary event
Insured sum: 2,000 € for each insured damage event. For the items specified below, compensation is limited to the following amounts: Type:
Basic Profi
Valuables no 50 %
Glasses, contact lenses, hearing aids and mobile phones (car phones are not insured), including accessories for the aforementioned items no 250 €
Golf and diving equipment, bicycles, including accessories for the aforementioned items no 750 €
Surfboards, windsurfing equipment, including accessories for the aforementioned items no 500 €
Musical instruments, including accessories (if taken on the trip for private purposes) no 250 €
IT equipment and electronic communication and entertainment systems, including accessories no 250 €
Emergency purchases due to overdue delivery of luggage no 500 €
Refund the value of the material in the case of films, video, sound and data media no yes
Administrative fees for identity cards, passports, motor vehicle documentation and other types of ID n0 yes
deductible: 50 € per claim
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.
Foreign Guests staying up to 365 days in Europe
Benefits SOS insurance:
Insured Sums: Type:
Basic Profi
Return travel costs to home country in the event of a family member becoming ill no 1,000 €
Cancellation of trip or delayed return journey due to Illness, accident or death (loan for additional costs) 100 % 100 %
Cancellation of trip or delayed return journey due to abduction (loan for additional costs) 10,000 € 15,000 €
Assistance if detained or when at risk of being detained (loan) 1,000 € 2,500 €
Loan for bail 10,000 € 15,000 €
Loss of travel money (loan) no 500 €
Assistance when credit and debit or Maestro cards are lost 100 % 100 %
Loss of travel documents 100 % 100 %
Aid in case of rebooking or delays 100 % 100 %
no deductible