Haftpflichtversicherung - Liability insurance

Care Protector - Accident and personal liability insurance

Introduction


Care Protector

When you travel abroad, it is important that you are comprehensively covered. As an ideal supplement to your health insurance, we offer you special personal liability insurance and accident insurance for stays abroad worldwide.
Liability insurance protects you against claims for damages by third parties. Accident insurance protects you against the financial consequences of reduced performance at work due to disability or death after an accident.

Insurable persons

Insurable are persons up to their 75th birthday who are temporarily staying abroad worldwide. From a term of one year, you are also insured for six weeks in your home country.

Scope of insurance coverage

The insurance applies 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 coverage is 60 months.

Personal liability insurance Type S Type M Type XL
Lump sum coverage for personal injury and property damage Type S: EUR 1 Mio. Type M: EUR 2 Mio. Type XL: EUR 2.5 Mio.
Deportation costs to cover legal obligations of the policyholder against German authorities Type S: EUR 1,000 Type M: EUR 2,000 Type XL: EUR 3,000
Co-insurance of damage to rented property for immovable objects, deductible 10%, minimum EUR 250.00 per claim Type S: EUR 10,000 Type M: EUR 25,000 Type XL: EUR 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: EUR 1,000
Professional liability Type S: - Type M: - Type XL: up to EUR 25,000.00
Loss of receivables insurance Type S: - Type M: - Type XL: up to EUR 10,000.00
Coverage in home country
(from one year term)
Type S: - Type M: - Type XL: 6 weeks
General deductible per claim Type S: EUR 250 Type M: EUR 0 Type XL: EUR 0
 
Accident insurance Type S Type M Type XL
Basic disability benefit Type S: - Type M: EUR 30,000 Type XL: EUR 40,000
Maximum disability benefit with a degree of disability of 350% Type S: - Type M: EUR 105,000 Type XL: EUR 140,000
Death benefit in the event of accidental death Type S: - Type M: EUR 15,000 Type XL: EUR 25,000
Rescue costs following an accident Type S: - Type M: EUR 7,500 Type XL: EUR 10,000
Cosmetic operations due to an accident Type S: - Type M: EUR 2,500 Type XL: EUR 5,000
Monthly premium* Type S: EUR 2 Type M: EUR 4 Type XL: EUR 7.50
* You can only pay the premium for the liability insurance/accident-liability insurance on a monthly basis if you have selected direct debit monthly as your payment method/frequency and have chosen at least 6 months as the duration of insurance 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 your insurance coverage

Take out your coverage online: Online application.

Download In brief

 Download In Brief 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 legally binding.

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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