health insurance partner abroad
Haftpflichtversicherung -
Liability insurance
Care Protector - Accident and personal liability insurance
Introduction
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. |
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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. |
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The insurance applies only during the stay in the foreign country. |
HanseMerkur Reiseversicherung AG |
The maximum duration of coverage is 60 months. |
| Personal liability insurance | Type S | Type M | Type XL |
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| 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 |
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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. |
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| Type S | Type M | Type XL | |
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| Monthly premium* | Type S: EUR 2.00 | Type M: EUR 4.00 | Type XL: EUR 7.50 |
| *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 coverage online: Online application. |
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.
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Please note that the English translation is offered as a service for convenience only. The legally binding version is the German version.
Liability insurance
Type of insurance:
Accident/liability insurance for trips abroad/business trips
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