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Einleitung - Overseas health insurance -

Auslandskrankenversicherung

Introduction


Insurable persons

Eligible for insurance are

  • foreign nationals travelling temporarily to Germany or Austria
  • German or Austrian nationals travelling abroad temporarily.

Eligible for insurance are persons up to 74 years.

Scope of insurance coverage

The insurances apply only during the stay in the foreign country.

Insurer

HanseMerkur Reiseversicherung AG, Siegfried-Wedells-Platz 1, 20354 Hamburg

Duration of coverage

The maximum duration of insurance 60 months.


Liability insurance protects you against claims for damages from third parties.
Accident insurance protects you against the financial consequences of a decline in your ability to work due to disability or death following an accident.

In addition to health insurance we offer – in a legally independent policy – personal liability insurance or a personal liability/accident insurance package with the following benefits:

Personal liability insurance Type S Type M Type XL
Lump sum coverage for personal injury and property damage Type S: €1 Mio. Type M: €2 Mio. Type XL: €2.5 Mio.
Deportation costs to cover legal obligations of the policyholder against German authorities Type S: €1,000 Type M: €2,000 Type XL: €3,000
Co-insurance of damage to rented property for immovable objects, deductible 10%, minimum EUR 250.00 per claim Type S: €10,000 Type M: €25,000 Type XL: €50,000
Loss-of-key coverage for private dwellings (i.e. room or apartment), deductible EUR 100.00 per claim
Type S: - Type M: - Type XL: €1,000
General deductible per claim Type S: €250 Type M: €0 Type XL: €0
 
Accident insurance Type S Type M Type XL
Basic disability benefit Type S: - Type M: €30,000 Type XL: €40,000
Maximum disability benefit with a degree of disability of 350% Type S: - Type M: €105,000 Type XL: €140,000
Death benefit in the event of accidental death Type S: - Type M: €15,000 Type XL: €25,000
Rescue costs following an accident Type S: - Type M: €7,500 Type XL: €10,000
Cosmetic operations due to an accident Type S: - Type M: €2,500 Type XL: €5,000
Monthly premium* Type S: € 2 Type M: €4 Type XL: €7.50
Minimum premium Type S: €10 Type M: €12 Type XL: €15

* The premium must be paid as a one-time premium for the entire duration of coverage. Insurance coverage is only provided when the insurance premium has been paid in full.
For a complete list of benefits see the Terms and conditions of liability/accident insurance.

-Premium overview Care Protector
Type S Type M Type XL
-Monthly premium* Type S: EUR 2.00 Type M: EUR 4.00 Type XL: EUR 7.50
Minimum premium Type S: EUR 10.00 Type M: EUR 12.00 Type XL: EUR 15.00
*The premium must be paid as a one-time premium for the entire duration of coverage.Insurance coverage is only provided when the insurance premium has been paid in full.
Take out insurance

Take out the insurance online: Online application.

Download shortinfo

 Download shortinfo Care Protector (PDF)(140KB)

Legal note: The information contained in this publication does not constitute the basis of any contract, but rather serves solely as to provide a product overview/description. Only the General Terms and Conditions of Insurance and the policy terms and conditions, upon which your contract is based, are binding.

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Please note that the English translation is offered as a service for convenience only. The legally binding version is the German version.




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