HanseMerkur
  • Contact
  • Online claim
  • Distribution partners
  • Partner login
  • Germany International
    • Austria
    • Poland
    • Switzerland
  • English Change language
    • German
  • Travel insurances
    Back
    • Travel cancellation insurances
      • Travel cancellation insurance
      • Annual travel cancellation insurance
    • Travel health insurances
      • Travel health insurance
      • Annual travel health insurance
      • Travel insurance for pupils & students
      • Travel insurance for au pairs
    • Travel insurances for trips to Germany
      • Germany cover
      • Travel insurance for foreign guests
      • Young Travel for foreign guests
      • Visum travel insurance
      • Travel insurance for groups of foreign guests
      • DAK
    • Corporate Travel
    • All travel insurances at a glance
    Im Vordergrund erkennt man ein weißes Fieberthermometer. Im Hintergrund ist verschwommen ein kleines Kind zu erkennen.
    Coronavirus – frequently asked questions
    Corona FAQ
  • Service
    Back
    • Contact
    • Claim service
      • Online claim form
    • Insurance conditions
    • Request documents
      • Copy of insurance policy
      • Additional Covid-19 confirmation
      • Confirmation travel health insurance
      • Confirmation travel health insurance incoming
      • Tax receipt
    • Payment & Security
      • Payment methods
      • Credit Card Security
      • Secure Online Booking
    • FAQ Coronavirus
    • Ratings
    • Mobile Pass – digital travel companion
    • All services at a glance
    Im Vordergrund erkennt man ein weißes Fieberthermometer. Im Hintergrund ist verschwommen ein kleines Kind zu erkennen.
    Coronavirus – frequently asked questions
    Corona FAQ
  • Good to know
    Back
    • Insurance knowledge
      • Travel health insurance
      • Travel accident insurance
      • Luggage insurance
      • Travel insurance for credit cards
    • Insurance comparisons
      • Travel health insurance in comparison
      • Go Germany insurance in comparison
      • Annual travel insurance in comparison
    • Destinations
      • Australia
      • Canada
      • Thailand
      • USA
    • Go Germany!
      • Au pair in Germany
      • Studying in Germany
      • Working in Germany
      • Insurances in Germany
    • Travel abroad
      • Travel insurance for au pairs
      • Travel insurance for school pupils
      • Travel insurance for students
    • Glossary
    • All topics at a glance
    Coronavirus & travel insurance

    Frequently asked questions about COVID-19

    FAQ
    hmr-pass-android
    Mobile Insurance Passport for your smartphone

    No more printing insurance documents – with HanseMerkur's new "Mobile Pass", you can now save your policy data digitally on your smartphone or tablet.

    Find out more now
  • Search
    Back

    Search

  • Homepage
  • Travel insurances
  • Travel insurances for trips to Germany
  • Travel insurance for foreign guests

Travel insurance for foreign guests – up to 5 years

Fünf Personen verschiedener Nationalitäten befinden sich in einem Café.

Travel insurance for foreign guests

  • For long-term stays up to 5 years
  • Still bookable after entering Germany
  • Meets EU Visa requirements
€
51

(sample pricing for one trip, 30 days, travel health insurance)

Calculate & book
Quick access
  • Benefits
  • Tariff overview
  • Key insurance benefits
  • Corona
  • Downloads
  • Book directly

Your benefits

The best insurance cover for your long-term stay. Combine your individual, long-term travel cover package for stays in Germany of up to five years. We offer you travel insurance with foreign health insurance plus travel liability insurance, accident insurance, emergency insurance and baggage insurance. You can take out cover for up to five years.

Last-minute decisions: should you decide to depart early, we will reimburse a proportionate part of your premium.

Foreign guests can take out the travel insurance for up to five years at any time.

EU requirements satisfied: The extensive travel insurance cover for foreign guests for up to five years satisfies EU requirements.

Tariff overview

Travel insurance for foreign guests
Product information
Download PDF
Travel health insurance
Additional package
Travel accident insurance
Travel liability insurance
Baggage insurance
Emergency insurance
Maximum duration of trip
5 years
Area of application
Germany
Overview of prices
Download PDF

Sample pricing for travel health insurance (Tariff Basic / maximum duration of trip 12 months)

€ 1.70

(per day)

Sample pricing for additional package (Tariff BASIC)

€ 0.27

(per day)
Calculate & book

At a glance – key insurance benefits

Travel health insurance
BenefitsTariff BASICTariff PROFI
out-patient medical treatments in accordance with the fee schedule
out-patient medical treatments in accordance with the fee schedule
dental treatment for pain relief in accordance with the fee schedule per insurance year
dental treatment for pain relief in accordance with the fee schedule per insurance year€ 500€ 1,000
medications and surgical dressings
medications and surgical dressings
radiation therapy, light therapy, and other physical treatments
radiation therapy, light therapy, and other physical treatments
massages, compresses and inhalations, per insurance year
massages, compresses and inhalations, per insurance year€ 300100 %
therapeutic aids following an accident, per insurance year
therapeutic aids following an accident, per insurance year€ 500100 %
aids (if agreed by HanseMerkur in advance), per insurance year
aids (if agreed by HanseMerkur in advance), per insurance year-€ 500
repairs of existing aids, per insurance year
repairs of existing aids, per insurance year-€ 250
visual aids
visual aids-€ 200
operations
operations
in-patient medical treatment under general care insurance (multiple-bed room) without optional services (treatment by private doctor)
in-patient medical treatment under general care insurance (multiple-bed room) without optional services (treatment by private doctor)
screening check-ups for early detection of cancers, per insurance year  (after a waiting period of 6 months)
screening check-ups for early detection of cancers, per insurance year  (after a waiting period of 6 months)-€ 300
screening check-ups for children in accordance with the statutory programmes introduced in Germany
screening check-ups for children in accordance with the statutory programmes introduced in Germany-
up to 80% of the cost for medically required dentures, per insurance year (after a waiting period of 6 months)
up to 80% of the cost for medically required dentures, per insurance year (after a waiting period of 6 months)-€ 1,250
dental check-ups, per policy year (after a waiting period of 6 months)
dental check-ups, per policy year (after a waiting period of 6 months)-€ 200
medically necessary pregnancy treatment due to complaints
medically necessary pregnancy treatment due to complaints
pregnancy examinations and deliveries (after a waiting period of 6 months)
pregnancy examinations and deliveries (after a waiting period of 6 months)-
ambulance transport to in-patient treatment
ambulance transport to in-patient treatment
repatriation, if medically desirable
repatriation, if medically desirable
repatriation of mortal remains to the home country or funeral in the Federal Republic of Germany
repatriation of mortal remains to the home country or funeral in the Federal Republic of Germany€ 10,000€ 10,000
follow-up liability until restoration of ability to travel for up to
follow-up liability until restoration of ability to travel for up to3 months3 months
deductible per insured event
deductible per insured event€ 25€ 25
General waiting time: The general waiting time is 31 days. It time does not apply if the application is made within 31 days of arrival. The date of arrival must be proved on request from HanseMerkur. The waiting time also does not apply to accidents or to medical interventions to avert an acute danger to your life.
General waiting time: The general waiting time is 31 days. It time does not apply if the application is made within 31 days of arrival. The date of arrival must be proved on request from HanseMerkur. The waiting time also does not apply to accidents or to medical interventions to avert an acute danger to your life.
Travel cancellation insurance
BenefitsBASIC TariffPROFI Tariff
Return travel costs to home country in the event of a family member becoming ill
Return travel costs to home country in the event of a family member becoming ill-€ 1,000
Trip cancellation or delayed return journey (loan for additional costs)
Trip cancellation or delayed return journey (loan for additional costs)
Illness, accident or death
Illness, accident or death
Abduction
Abduction€ 10,000€ 15,000
In the event of criminal prosecution
In the event of criminal prosecution
Assistance if detained or when at risk of being detained (loan)
Assistance if detained or when at risk of being detained (loan)€ 1,000 € 2,500 
Loan for bail
Loan for bail€ 10,000€ 15,000
Loss of money and documents
Loss of money and documents
Loss of travel money (loan)
Loss of travel money (loan)-€ 500
Assistance when credit and debit or Maestro cards are lost
Assistance when credit and debit or Maestro cards are lost
Loss of travel documents
Loss of travel documents
Assistance in changing bookings/delays
Assistance in changing bookings/delays
Deductible
DeductibleNoneNone
Baggage insurance
BenefitsBASIC TariffPROFI Tariff
Maximum sum insured for each insured damage event
Maximum sum insured for each insured damage event-€ 2,000
Exceptions:
Exceptions:
Valuable (furs, jewellery, items made of precious metals, photographic and film equipment, IT equipment, electronic communication and entertainment systems including accessories)
Valuable (furs, jewellery, items made of precious metals, photographic and film equipment, IT equipment, electronic communication and entertainment systems including accessories)-50 % of sum insured
Glasses, contact lenses, hearing aids and mobile phones (car phones are not insured), including accessories
Glasses, contact lenses, hearing aids and mobile phones (car phones are not insured), including accessories-€ 250
Golf and diving equipment, bicycles, including accessories
Golf and diving equipment, bicycles, including accessories-€ 750
Surfboards, windsurfing equipment, including accessories
Surfboards, windsurfing equipment, including accessories-€ 500
Musical instruments, including accessories (for private purposes)
Musical instruments, including accessories (for private purposes)-€ 500
IT equipment and electronic communication and entertainment systems, including accessories
IT equipment and electronic communication and entertainment systems, including accessories-€ 250
Deductible
Deductible-€ 50 per insured event
Travel liability insurance
BenefitsBASIC TariffPROFI Tariff
Everyday liability risks
Everyday liability risks€ 1 million€ 2,5 million
Liability claims for damage to rented property, per insured event
Liability claims for damage to rented property, per insured event€ 10,000€ 25,000
Damage to the household of the host family
Damage to the household of the host family€ 10,000€ 25,000
Deportation costs
Deportation costs€ 1,000€ 5,000
Loss of keys
Loss of keys-€ 250
Damage to assets
Damage to assets-€ 10,000
Professional liability
Professional liability-€ 25,000
Bad debt insurance
Bad debt insurance-€ 10,000
Deductible
DeductibleNone, except for: Damage to rented property and deportation costs: 20 %, at least € 50. Damage to the household of the host family: 10 %, at least € 200. Bad debt insurance 10 %, at least € 200None, except for: Damage to rented property and deportation costs: 20 %, at least € 50. Damage to the household of the host family: 10 %, at least € 200. Bad debt insurance 10 %, at least € 200
Travel accident insurance
BenefitsBASIC TariffPROFI Tariff
Sum insured In the event of disability (Progression in the event of disability exceeding 25 % is 350 %)
Sum insured In the event of disability (Progression in the event of disability exceeding 25 % is 350 %)€ 20,000€ 60,000
Sum insured in the event of death
Sum insured in the event of death€ 10,000€ 20,000
Sum insured in the event of death (for children under the age of 18)
Sum insured in the event of death (for children under the age of 18)€ 5,000€ 10,000
Rescue costs
Rescue costs€ 5,000€ 10,000
Cosmetic surgery costs
Cosmetic surgery costs€ 5,000€ 10,000
Deductible
DeductibleNoneNone

Our tip: all the important answers about your travel insurance and Covid-19 can be found in our frequently asked questions about Covid-19.

Coronavirus-FAQ Travel insurance

Important documents for download

For printing or saving: you can find all the important documents at a glance here.

  • Benefits
  • Overview of prices
  • General terms & conditions: HanseMerkur travel health insurance (up to 1 year)
  • General terms & conditions: Advigon travel health insurance (more than 1 year)
  • General terms & conditions: Additional package
  • Information sheet on insurance products (IPID)

Book directly – travel insurance for foreign guests

Conveniently choose from the following payment methods when booking: 

Zahlungsmethoden
  • Travel insurance for...

Travel insurance for foreign guests

€
51

(sample pricing for one trip, 30 days, travel health insurance)

Calculate & book

Product suggestion for:  

Are you living in Switzerland?

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.

Switch to Swiss website

Stay on German website

  • Visit us:
International:
Deutsche Flagge Germany
  • Österreichische Flagge Austria
  • Polnische Flagge Poland
  • Schweizer Flagge Switzerland

Customer ratings - transparency is important to us

Ekomi-Siegel silver
4.7 / 5
745 reviews

  • All reviews
  • About eKomi

Company

  • Overview
  • About us
  • History
  • Key figures
  • Partners
  • WebCam Alsterview

Distribution partners

  • Overview
  • Partner advantages
  • Booking options
  • Partner login
  • Fairs
  • References
  • ©2023 HanseMerkur Reiseversicherung
  • Imprint
  • Privacy
  • Disclaimer
Contact
Claim service