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Care Expatriate
Auslandskrankenversicherung für Expatriates
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Consumer informations
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Designelement 1 zur Auslandskrankenversicherung
Consumer information
Insurance company’s identity (name, address):

HanseMerkur Reiseversicherung AG (legal form: public company)
Siegfried-Wedells-Platz 1
20354 Hamburg, Germany
Phone: +49(0)40-41 19-10 00
Fax: +49(0)4041 19-30 30

Entry in the trade register at:

Amtsgericht (local court) Hamburg HRB 19768

Summons-suitable address and legally entitled representatives of HanseMerkur Reiseversicherung AG:

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

Represented by the Board:

Eberhard Sautter (Chairman.), Eric Bussert, Holger Ehses, Dr. Andreas Gent, Raik Mildner
Vorsitzender des Aufsichtsrates: Dr. Michael Ollmann

Core business of HanseMerkur Reiseversicherung AG, hereinafter called “HanseMerkur“:

HanseMerkur insures risks which are related to travels.

Name and address of the regulatory authority:

Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
Graurheindorfer Straße 108, 53117 Bonn
www.bafin.de

Guarantee funds or other compensation regulations:

There are no guarantee funds or any other compensation regulations applicable to the products described in this document.

Essential characteristics of the insurance:

HanseMerkur provides travel damage and travel accident insurance policies. Depending on the scope of the selected insurance cover, HanseMerkur shall pay benefits deriving from the Travel Cancellation Cost Insurance, Holiday Interruption Insurance (holiday guarantee), Travel Health Insurance, Emergency Insurance, Travel Accident Insurance, Travel Luggage Insurance or the Travel Insurance for Motor Vehicles in accordance with the insurance terms and conditions “VB-RS 2008” and “VB-KV 2008”.

The policy-holder stipulates the scope of his / her insurance cover on the application form. Detailed information about type and scope of the insurance cover which the policyholder has selected can be found in the description of benefits on the application form and in the insurance terms and conditions.

Once HanseMerkur has acknowledged its obligation to pay benefits and has also established the amount payable, compensation will be paid within 1 month. This period is checked as long as HanseMerkur is unable to examine the claim due to the fault of the insured person.

Legal system:

German law shall govern the contractual relationship.

Total price and price components:

The policy holder determines the scope of the insurance cover and the corresponding total insurance premium. The individual premiums for the components of the insurance cover are stated on the application form.

Apart from the health insurance which is not taxable, all the listed premium amounts include the statutory insurance tax valid at the time.

Additional costs, taxes or fees:

Additional costs, taxes or fees, e.g. for using remote means of communication will not be levied with the exception of the emergency call service with the phone number: 01805-256 256 (EUR 0.14 per minute from the German fixed-line phone network, prices for calls from mobile phones can vary).

Details of payment and compliance:

The premium is a single premium payable upon taking out the insurance policy. It can also be paid by instalments. For details please refer to the insurance application form.

Limited period of validity of the information supplied:

There is no limited period of validity of the information supplied.

Commencement of the contract, commencement of the insurance cover, duration of binding period upon application:

The contract commences upon payment of the premium owed. The insurance cover commences upon the point in time stipulated by the policy-holder; however, not before the premium owed has been paid. If the premium is to be booked off an account, payment is considered in time if the premium can be collected on the date of booking off and the policy holder does not object to the authorized collection. If it is not the fault of the policy holder that the premium cannot be collected, payment is still considered being made in time, if it is made immediately after a written request for payment by the insurance company.
In addition, with regard to travel health insurance, insurance cover does not commence before the point in time of having left the national territory of the Federal Republic of Germany or the national territory where the insured person resides and also not before possible waiting periods.

Please find the preconditions for taking out the insurance under § 2 of the enclosed insurance terms and conditions.
There is no binding period.

Important note in accordance with § 37 para 2 VVG:

If an insurance event occurs after the policy has been taken out, but the single or the initial insurance premium has not been paid at this point in time, HanseMerkur shall not be obliged to pay benefits, unless non-payment is not the policy-holders fault.

Revocation right:

Policy holders are entitled to revoke their contract agreement in writing (e.g. letter, fax, e-mail) within 14 days without being obliged to state any reasons provided that they have signed an insurance contract with a minimum running time of one month. The time limit becomes effective upon entering into the contract. The timely sending of the revocation suffices to protect the revocation time limit.
Revocations shall be addressed
to:

Care Concept AG, Postfach 30 02 62
53182 Bonn
Phone +49 228 97735-0, fax +49 228 97735-35, e-mail: info@care-concept.de

Consequences of revocation:

In the event of an effective revocation, HanseMerkur will pay back insurance contributions that have already been received.

Information on the duration of the insurance:

The contract is limited in accordance with the selected duration.

Expiry of the contract, right to give notice, business fee:

The travel cancellation cost insurance expires upon starting the journey. Any other insurance policy expires upon ending the journey or upon the agreed expiry date. Insurance cover of the travel health insurance ends upon entering the national territory of the Federal Republic of Germany or the national territory where the insured person resides. In principle, there is no right to give premature notice to the insurance contract. Please cf. the relevant application form for exceptions.

If HanseMerkur resigns from the contract due to non-payment of the initial or the single premium in accordance with § 37 para 1 VVG, a business fee amounting to EUR 15.00 per insurance contract is levied in accordance with § 39 para 2 VVG.

Legal system and place of jurisdiction:

German law shall govern the contractual relationship. Lawsuits against HanseMerkur can be filed in Hamburg or wherever the policy-holder has his / her residence at the time of filing the lawsuit or failing a residence, wherever he/she normally stays.

Contract language:

The prevailing language of this contractual relationship and communication with policy holders during the contractual period of validity shall be German.

Extrajudicial complaints and arbitration procedure:

If an agreement with HanseMerkur fails, arbitration attempts and complaints can be launched at the following regulatory authorities:

For travel health insurance:
Ombudsmann Private Kranken- und Pflegeversicherung
Postfach 06 02 22, 10052 Berlin
Germany
www.pkv-ombudsmann.de

For any other insurance:
Versicherungsombudsmann e.V.
Postfach 08 06 32, 10006 Berlin, Germany
www.versicherungsombudsmann.de

This does not affect the right to take legal action.

Complaints can also be launched at the relevant regulatory authority:
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
Graurheindorfer Straße 108, 53117 Bonn
www.bafin.de

Explicit statement:
  1. Waiver of confidentiality
    I am aware that, when assessing its duty to pay benefits, the insurer also checks information that I give as grounds for any claim or derived from documents I submit (e.g. medical or other certificates) or reports I have instigated from a hospital or member of a medical profession.
    For this purpose, I hereby release these members of a medical profession or medical institutions named in the documents submitted, or that were involved in the treatment, from their duty of confidentiality.
    I also waive confidentiality for the purposes of examining claims in the event of my death. This waiver of confidentiality also extends to members of other accident, health or life insurers who may be asked about any insurance policies existing with them. Die betroffene Person kann jederzeit verlangen, dass eine Erhebung von Daten nur erfolgt, wenn jeweils in die einzelne Erhebung eingewilligt worden ist.

  2. Right to receive the insurance benefits
    The policyholder authorizes the insurer to provide the benefits under this policy also to the insured person or those providing treatment directly.

  3. Consent under the German Data Protection Act (Bundesdatenschutzgesetz)
    I hereby consent to the insurer passing on data derived from the application documents or related to the fulfilment of contract (premiums, insured events, changes in risk/policy) to reinsurers for the insurers and/or to the "HUK Verband" (Verband der Haftpflichtversicherer, Unfallversicherer, Kfz-Versicherer und Rechtsschutzversicherer e. V.) and to the Verband der privaten Krankenversicherung e. V. for passing on of such data to other insurers.
    Irrespective of how the policy came about, this consent also applies to appropriate checks in the case of (insurance) contracts applied for elsewhere and future applications.
    I also consent to the companies of the HanseMerkur Versicherungsgruppe maintaining my general application, policy and benefits data in joint collections of data and passing them on to intermediaries responsible for me insofar as this serves orderly handling of my insurance matters.
    Medical data may only be passed on to personal insurers and reinsurers; they may only be passed on to intermediaries to the extent this is necessary for the policy to be drawn up.
    Without prejudice to the policy, I also consent to such intermediaries using my general application, policy and benefits data for consulting purposes for other financial services (please let us know in written form by e-mail, fax or post, if not wanted).
    I may revoke such consent at any time. Such consent applies only when I had reasonable opportunity to become familiar with the content of the information on data processing.
    You will find this information down below. I may reject further advertising measures in writing or by telephone. This wish will be respected following a period necessary for technical/organizational implementation.

Note: Only the German wording of this text is legally effective.

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Care Expatriate

Versicherungstyp: Auslandsversicherung mit weltweiter Deckung für Reisen ab 6 Monate



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