The new coronavirus has been named SARS-CoV-2 by the WHO. The infectious illness that it causes is called COVID-19.
It is important to wash your hands thoroughly several times a day. You should not cough or sneeze into your hand; instead you should sneeze into your elbow and/or use a tissue. Dispose of tissues in a closed bin straight away and if possible ventilate for 5-10 minutes at least 3 times per day.
Travel warnings can be found on the website of the Federal Foreign Office:
Yes, please inform us of this in writing.
If you have a Foreign Travel Health Insurance policy with HanseMerkur, you have extensive insurance cover when abroad. If you become infected with coronavirus during your trip abroad, all medically necessary treatment costs incurred at that location are in principle insured!
This also applies since the World Health Organisation (WHO) has classified the coronavirus as a pandemic.
The travel warning issued by the Federal Foreign Office (Auswärtiges Amt) has no impact on your insurance cover. You are not obliged to end your trip prematurely. The agreed period of cover continues to remain valid.
All travellers have the right to cancel. However, trip organisers or other service providers are in principle entitled to charge the cancellation fees agreed in the contract.
The travel cancellation insurance will protect you if you need to cancel your trip due to unexpected and serious illness. Fear of falling ill is not an insured event.
A warning from the Federal Foreign Office is not an insured event. If you have booked a package trip, please contact your tour operator, or if you have booked a modular trip contact your service providers.
Yes, that is an insured event.
A potential quarantine situation is not insured. This is what is referred to as an “official action”. If you have booked a package trip, please contact your tour operator, or if you have booked a modular trip, contact your service providers.
Insurance cover only applies to the specific events listed in the insurance terms and conditions. This does not apply to cancellation due to restrictions at the holiday resort.
You may assert your right to be reimbursed for any payments already made to your travel agency, hotel or landlord of your holiday apartment. There are no claims from travel cancellation insurance. You may assert your right to be reimbursed for any payments already made to your travel agency, hotel or landlord of your holiday apartment. There are no claims from travel cancellation insurance.
The premium for travel cancellation insurance will not be reimbursed if the organiser cancels your trip or if you are unable to travel due to a ban on entry into the country. The cover provided by travel cancellation insurance applies from the booking date, meaning that the insurance benefit has already been provided.
For "Premium-" and "Komfort-Schutz" Coverage packages, benefits are paid on a pro-rata basis and apply from the start of your trip (travel health insurance, holiday guarantee etc.).
If you are living in Switzerland we recommend visiting our Swiss website. There you are given valuable information and you can take out all travel insurances online.
For legal reasons you are not allowed to book travel insurances on our German website. We apologize for the inconvenience.