Product Information Sheet on HanseMerkur Travel Insurance

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Product Information Sheet

You are interested in taking out travel insurance with HanseMerkur? A good choice! This information sheet is intended to give you a quick overview of the various options available. Please note, however, that this does not contain all of the information relating to your policy. For a full version of the contents of the policy, kindly refer to the insurance application form, the insurance policy and the terms and conditions of insurance.
Each of the following options for insurance cover is only valid if it is explicitly concluded by you, i.e. if it is included in the insurance cover selected by you!

What type of insurance is this?
Your insurance is a travel insurance that is valid for a limited period. The scope of the insurance and the individual benefits associated with your policy are determined by the tariff you select.

What is the scope of your insurance cover?

The travel healthcare insurance covers essential medical treatment for illnesses suffered during a period of foreign travel. We refund the costs of illness and accidents suffered within the period covered by the insurance. These include treatment by a doctor, treatment in hospital and medicaments. For a full description of the cover provided, please refer to section § 7 of the Terms and Conditions of Insurance.

Travel liability insurance Ist eine Reise-Haftpflichtversicherung in Ihrem Reiseversicherungsumfang enthalten, sind Sie während Ihrer Reise gegen die Schäden aus den Gefahren des täglichen Lebens, für die Sie verantwortlich sind und anderen daher Ersatz leisten müssen, versichert. Wir regulieren nicht nur den Schaden, sondern prüfen auch, ob und in welcher Höhe eine Verpflichtung zum Schadensersatz besteht. Unbegründete Schadensersatzansprüche wehren wir für Sie ab und bieten damit auch Rechtsschutz bei unberechtigten Haftungsansprüchen. Die vollständige Leistungsbeschreibung steht im Abschnitt "Reise-Haftpflichtversicherung" der Versicherungsbedingungen.

Travel accident insurance Bei Abschluss einer Reise-Unfallversicherung zahlen wir einen einmaligen Betrag (Invaliditätsleistung), wenn Sie durch einen Unfall dauerhafte Beeinträchtigungen erleiden (z. B. durch Bewegungseinschränkungen, Lähmungen oder Amputationen). Die Höhe der Invaliditätsleistung richtet sich nach der vereinbarten Versicherungssumme und dem Grad der Beeinträchtigung. Die vollständige Leistungsbeschreibung entnehmen Sie bitte dem Abschnitt "Reise-Unfall" in den Versicherungsbedingungen.

What do you have to note in connection with the payment of premiums?
The level of the premiums depends on the insurance cover chosen. In the overview of premiums for the individual insurance products you will find the precise premium due for the insurance cover in question. Insurance cover commences with the payment of the premium at the earliest. For due dates and other details, please refer to section § 4 of the Terms and Conditions of Insurance.

What is not insured?
Some events are excluded from insurance cover. In particular, no insurance cover is offered for the following:

In all fields:
If the policyholder or the insured person has wilfully instigated the event covered by the insurance.

In the travel accident insurance: Für Unfälle, die auf Trunkenheit oder Drogenkonsum beruhen. Keine Unfälle sind Krankheiten und Abnutzungserscheinungen wie z. B. Rückenleiden durch ständiges Sitzen, Schlaganfälle oder Herzinfarkt.

In connection with the travel healthcare insurance: For illnesses and accidents due to malintent and treatment resulting from attempted suicide.

In der Reise-Haftpflichtversicherung:
Für Schäden, die an geliehenen, verpachteten und gemieteten Sachen entstehen.

What obligations arise at the time of conclusion of contract?
At the time of conclusion of contract you must have disclosed all information fully and truly. If you fail to do so, your insurance cover is endangered!

What obligations do you have to fulfil if an event covered by the insurance occurs?
Make sure that the damage incurred remains as small as possible! Avoid everything that might lead to an unnecessary increase in costs. Notify HanseMerkur immediately about the damage incurred. For further obligations, please refer to "Obligations“ in the Terms and Conditions of Insurance.

What are the legal consequences, if you fail to meet your obligations?
Very important: If you violate your obligations, HanseMerkur is entitled to reduce the benefits due by an amount corresponding to the gravity of the violation. This can even lead to a complete loss of insurance cover. For more details in this connection, see the Terms and Conditions of Insurance ("Obligations“ and "Violation of Obligations“).

When does your insurance cover begin and when does it end?
The insurance cover begins with the payment of the premium at the earliest, though not before the agreed date of commencement, and it ends on the agreed expiry date.

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Please note that the English translation is for convenience only. The legally binding version is the German one.


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