Name: Travel insurance for foreign guests
Rating: 4.7 (891 reviews)

Travel health insurance

Benefits	Tariff Basic	Tariff Profi
Outpatient treatment
Outpatient treatment
Out-patient medical treatments in accordance with the fee schedule
Out-patient medical treatments in accordance with the fee schedule	Applicable	Applicable
Ambulance transports
Ambulance transports	Applicable	Applicable
Screening check-ups (after a waiting period of 6 months) - for early detection of cancers, per insurance year
Screening check-ups (after a waiting period of 6 months) - for early detection of cancers, per insurance year	-	€ 300
Screening check-ups (after a waiting period of 6 months) - for children in accordance with the statutory programmes introduced in Germany
Screening check-ups (after a waiting period of 6 months) - for children in accordance with the statutory programmes introduced in Germany	-	Applicable
Inpatient treatment
Inpatient treatment
Costs of inpatient treatment including accommodation in a shared room Optionally alternatively hospital allowance up to 14 days, per day
Costs of inpatient treatment including accommodation in a shared room Optionally alternatively hospital allowance up to 14 days, per day	Applicable € 75	Applicable € 75
Ambulance transport to in-patient treatment
Ambulance transport to in-patient treatment	Applicable	Applicable
Dental treatment
Dental treatment
Pain-relieving, conservative dental treatments including simple dental fillings and repairs to existing dentures
Pain-relieving, conservative dental treatments including simple dental fillings and repairs to existing dentures	€ 500	€ 1,000
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
Medicines, bandages, healing aids or aids
Medicines, bandages, healing aids or aids
Medications and surgical dressings
Medications and surgical dressings	Applicable	Applicable
Aids – radiation therapy, light therapy, and other physical treatments
Aids – radiation therapy, light therapy, and other physical treatments	Applicable	Applicable
Aids – massages, compresses, inhalations and physiotherapy
Aids – massages, compresses, inhalations and physiotherapy	€ 300
Therapeutic aids following an accident, per insurance year
Therapeutic aids following an accident, per insurance year	€ 500
Repairs of existing aids, per insurance year
Repairs of existing aids, per insurance year	-	€ 250
Initial purchase of aids, per insurance year
Initial purchase of aids, per insurance year	-	€ 500
Visual aids
Visual aids	-	€ 200
Pregnancy
Pregnancy
Examination; Treatments for complications, premature birth, miscarriage
Examination; Treatments for complications, premature birth, miscarriage	Applicable	Applicable
Pregnancy examinations and deliveries (after a waiting period of 6 months)
Pregnancy examinations and deliveries (after a waiting period of 6 months)	-	Applicable
Medical repatriation, transfer, burial
Medical repatriation, transfer, burial
Medically reasonable return transport
Medically reasonable return transport	Applicable	Applicable
Repatriation to the home country or burial in the Federal Republic of Germany
Repatriation to the home country or burial in the Federal Republic of Germany	€ 10,000	€ 10,000
Deductible per insured event
Deductible per insured event Deductible: The deductible or deductible refers to the amount that a policyholder pays in the event of a claim.	€ 25	€ 25
Additional payment: If an illness requires medical treatment beyond the original end of the insurance cover, the insurance cover is extended until the ability to transport is restored and for a maximum of 3 months.
Additional payment: If an illness requires medical treatment beyond the original end of the insurance cover, the insurance cover is extended until the ability to transport is restored and for a maximum of 3 months.
General waiting time: The general waiting period is 31 days. It does not apply if the application is filed within 31 days of entry. The waiting period does not apply in the case of accidents and medical assistance to avert an acute danger to life. In addition, there are special waiting periods which are marked directly on the benefits.
General waiting time: The general waiting period is 31 days. It does not apply if the application is filed within 31 days of entry. The waiting period does not apply in the case of accidents and medical assistance to avert an acute danger to life. In addition, there are special waiting periods which are marked directly on the benefits.
Pre-existing illnesses: A personal contribution of €5,000 is due for the treatment of illnesses, complaints and accidents known in the last 6 months before the start of the insurance, as well as their foreseeable consequences; The benefits are limited to a maximum of €30,000.
Pre-existing illnesses: A personal contribution of €5,000 is due for the treatment of illnesses, complaints and accidents known in the last 6 months before the start of the insurance, as well as their foreseeable consequences; The benefits are limited to a maximum of €30,000.

Emergency insurance

Benefits	Tariff Basic	Tariff Profi
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	-	up to € 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	Applicable	Applicable
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	Applicable	Applicable
Loss of travel documents
Loss of travel documents	Applicable	Applicable
Additional services
Additional services
Travel call
Travel call	Applicable	Applicable
Assistance in changing bookings/delays
Assistance in changing bookings/delays	Applicable	Applicable
Deductible
Deductible Deductible: The deductible or deductible refers to the amount that a policyholder pays in the event of a claim.	None	None

Baggage insurance

Benefits	Tariff Basic	Tariff Profi
Sum insured
Sum insured
Maximum sum insured for each insured damage event
Maximum sum insured for each insured damage event	-	€ 2,000
Insured events
Insured events
Damage to luggage placed in custody
Damage to luggage placed in custody	-	Applicable
Delivery deadlines for luggage exceeded
Delivery deadlines for luggage exceeded	-	Applicable
Criminal acts of third parties, traffic accidents or natural events
Criminal acts of third parties, traffic accidents or natural events	-	Applicable
Compensation limits For the items listed below, compensation is limited to the following amounts per insured event
Compensation limits For the items listed below, compensation is limited to the following amounts per insured event
Valuable (furs, jewellery, items made of precious metals)
Valuable (furs, jewellery, items made of precious metals)	-	€ 1,000
Glasses, contact lenses, hearing aids, Musical instruments, including accessories and mobile phones (car phones are not insured), each with accessories
Glasses, contact lenses, hearing aids, Musical instruments, including accessories and mobile phones (car phones are not insured), each with accessories	-	€ 250
Golf and diving equipment, bicycles, E-Scooter, each with accessories
Golf and diving equipment, bicycles, E-Scooter, each with accessories	-	€ 750
Surfboards, windsurfing equipment, each with accessories
Surfboards, windsurfing equipment, each with accessories	-	€ 500
Mobile phones, smartphones and tablets, each with accessories
Mobile phones, smartphones and tablets, each with accessories		€ 250
Other computer equipment and electronic entertainment devices, each with accessories
Other computer equipment and electronic entertainment devices, each with accessories	-	€ 250
If the delivery deadline is exceeded, reimbursement of expenses for necessary replacement purchases
If the delivery deadline is exceeded, reimbursement of expenses for necessary replacement purchases	-	€ 500
Deductible per insured event
Deductible per insured event Deductible: The deductible or deductible refers to the amount that a policyholder pays in the event of a claim.	-	€ 50

Travel liability insurance

Benefits	Tariff Basic	Tariff Basic
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
Loss of keys
Loss of keys	-	up to € 250
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
Damage to assets
Damage to assets	-	€ 10,000
Professional liability
Professional liability	-	€ 25,000
Bad debt insurance
Bad debt insurance	-	€ 10,000
Deductible
Deductible Deductible: The deductible or deductible refers to the amount that a policyholder pays in the event of a claim.	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	Tariff Basic	Tariff Profi
Insured events
Insured events
Damage to health caused by an accident
Damage to health caused by an accident	Applicable	Applicable
Strain, torn ligaments
Strain, torn ligaments	Applicable	Applicable
Insured benefits
Insured benefits
In the event of disability
In the event of disability	€ 20,000	€ 60,000
Progression with more than 25% disability
Progression with more than 25% disability	350 %	350 %
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 Deductible: The deductible or deductible refers to the amount that a policyholder pays in the event of a claim.	None	None

	Travel insurance for foreign guests
Travel health insurance Travel health insurance Assumption of the costs of necessary medical treatment abroad. Medically appropriate repatriation to your home country. Reimbursement of costs for accompanying persons who are also insured, e.g. if you are travelling abroad with children and they are hospitalised. Information about the possibilities of medical treatment at your holiday destination.	Applicable
Product information	Download PDF
Additional package
Travel accident insurance Travel accident insurance HanseMerkur pays e.g: In the event of death In the event of disability For rescue costs For cosmetic operations	Applicable
Travel liability insurance Travel liability insurance Travel liability insurance protects you against third-party claims for compensation for personal injury and property damage while travelling abroad.	Applicable
Baggage insurance Baggage insurance Luggage storage by third parties Delayed baggage delivery Lost or damaged baggage due to criminal offences Damage due to traffic accidents or natural disasters	Applicable with restrictionsTariff Profi only
Emergency insurance Emergency insurance In the event of illness, accident, hospitalisation or death In the event of criminal prosecution In the event of loss of cash or credit card In the event of bicycle breakdown and theft	Applicable

Maximum duration of trip	5 years
Area of application	Germany
Overview of prices	Download PDF
Sample pricing (for one trip, 30 days, travel health insurance Basic)	€ 51 Calculate & book

Travel insurance for foreign guests – up to 5 years

Travel insurance for foreign guests

Your benefits

Tariff overview

Key insurance benefits – at a glance

Important documents for download

Book directly – travel insurance for foreign guests

Travel insurance for foreign guests