Insurable persons are travelers who intend to stay for more than 6 continuous months abroad. A policy must commence prior to the insured person reaching the age of 75 and will end, at the latest, upon the person reaching the age of 80 (80th birthday).

The insurance policy covers medical treatment throughout the world. The following persons are insurable:

• Persons with permanent residence in Germany, Austria, EU countries, Member States of the Schengen agreement, Switzerland and Liechtenstein in any country worldwide.
• Persons with permanent residence in other countries of the world who are staying in Germany, Austria, EU countries, Member States of the Schengen agreement, Switzerland and Liechtenstein.
• Persons with permanent residence in Germany, Austria, EU countries, Member States of the Schengen agreement, Switzerland and Liechtenstein, who are staying in the above countries.

Not covered by the policy are countries of which the insured person is a national and/or which were the permanent place of residence of the person prior to commencing his/her travels.

Hanse-Merkur Versicherungsgruppe AG, Siegfried-Wedells-Platz 1, 20354 Hamburg

The minimum insurance period shall be 6 months. The maximum period of cover for stays in Germany is 5 years including all policy extensions.
Outside of Germany, persons can make any number of extension applications during their stay abroad until reaching the age of 75. Persons taking out an initial 5-year policy valid outside of Germany, will receive a one-off acceptance guarantee for a follow-on policy for a maximum period of a further 5 years.

Take out the insurance online: Online-Antrag.

 Download shortinfo Care Expatriate (PDF)