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Care Protector
Liability-/Liability- and accident insurance
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Introduction
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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. |
Field of application
The insurances apply only during the stay in the foreign country. |
Insurer
Hanse-Merkur Reiseversicherung AG, Siegfried-Wedells-Platz 1, 20354 Hamburg
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Duration of insurance
The maximum duration of insurance 60 months. |
| Liability insurance |
Type S | Type M |
Type XL |
| lump sum coverage for personal injury and property damage |
€ 1 Mio. | € 2 Mio. |
€ 2.5 Mio. |
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Deportation costs to cover undertakings of the policyholder versus German authorities |
€ 1,000 | € 2,000 |
€ 3,000 |
| co-insurance of damage to rented property for immovable objects, deductible 10 %, minimum € 250.00 per claim |
€ 10,000 | € 25,000 |
€ 50,000 |
| Loss-of-key cover for private dwellings (resp. room or apartment), deductible 10 %, minimum € 100.00 per claim |
- | - |
€ 1,000 |
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Deductible per claim |
€ 250 | € 0 |
€ 0 |
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| Accident insurance |
Type S | Type M |
Type XL |
| Basic invalidity amount |
- | € 30,000 |
€ 40,000 |
| Maximum invalidity sum with progressive scale 350 % |
- | € 105,000 |
€ 140,000 |
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Death benefit in the event of accidental death |
- | € 15,000 |
€ 25,000 |
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Salvage costs following an accident |
- | € 7,500 |
€ 10,000 |
| Cosmetic operations due to an accident |
- | € 2,500 |
€ 5,000 |
| Monthly premium* |
€ 2 | € 4 |
€ 7.50 |
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Minimum premium
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€ 10 | € 12 |
€ 15 |
*
The premium for the liability insurance respectively liability and accident insurance can only be paid monthly if you selected monthly and Direct debit as the method of payment and chose at least 6 months as term of insurance. Insurance cover only exists, if the insurance premium is paid completely.
For a complete list of benefits see the Conditions of liability/accident insurance.
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-Premium list Care Protector
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Type S |
Type M |
Type XL |
| -Monthly premium* |
€ 2.00 |
€ 4.00 |
€ 7.50 |
| Minimum premium |
€ 10.00 |
€ 12.00 |
€ 15.00 |
| *The premium must be paid as a single premium for the entire term.Insurance cover only exists, if the insurance premium is paid completely. |
Please note that the English translation is for convenience only. The legally binding version is the German one.
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