Name: Travel insurance for foreign guests
Rating: 4.8 (523 reviews)

Travel health insurance

Leistungsmerkmale	Tariff BASIC	Tariff 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	€ 300	100%
therapeutic aids following an accident, per insurance year
therapeutic aids following an accident, per insurance year	€ 500	100%
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
screening check-ups for early detection of cancers, per insurance year	-	€ 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
up to 80% of the cost for medically required dentures, per insurance year	-	€ 1,250
dental check-ups, per policy year
dental check-ups, per policy year	-	€ 200
medically necessary pregnancy treatment due to complaints
medically necessary pregnancy treatment due to complaints
pregnancy examinations and deliveries
pregnancy examinations and deliveries	-
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 to	3 months	3 months
deductible per insured event
deductible per insured event	€ 25	€ 25

Emergency insurance

Benefits	BASIC Tariff	PROFI 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
Deductible	None	None

Baggage insurance

Benefits	BASIC Tariff	PROFI 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

Benefits	BASIC Tariff	PROFI 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
Deductible	None, 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	None, 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

Benefits	BASIC Tariff	PROFI 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
Deductible	None	None

	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
Example pricing for travel health insurance (Tariff Basic / maximum duration of trip 12 months)	€ 1.70 (per day)
Example pricing for additional package (Tariff BASIC)	€ 0.27 (per day)
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Travel insurance for foreign guests – up to 5 years

Travel insurance for foreign guests

Your benefits

Tariff overview

At a glance – key insurance benefits

Important documents for download

Book directly – travel insurance for foreign guests

Travel insurance for foreign guests