Name: Visum Plus for foreign guests
Rating: 4.8 (978 reviews)

Travel health insurance

Benefits	Travel health insurance
Sum insured
Sum insured
The sum insured is limited to a total of €50,000 per insured person for all insured events within the term of the contract.
The sum insured is limited to a total of €50,000 per insured person for all insured events within the term of the contract.
Outpatient treatment
Outpatient treatment
out-patient medical treatments in accordance with the fee schedule
out-patient medical treatments in accordance with the fee schedule
Ambulance transports
Ambulance transports
Inpatient treatment
Inpatient treatment
Costs of inpatient medical treatment including accommodation in a shared room Alternatively, daily hospital allowance for up to 14 days per day
Costs of inpatient medical treatment including accommodation in a shared room Alternatively, daily hospital allowance for up to 14 days per day	€ 75
Ambulance transport to in-patient treatment
Ambulance transport to in-patient treatment
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
Medicines, bandages, healing aids or aids
Medicines, bandages, healing aids or aids
Medications and surgical dressings
Medications and surgical dressings
Aids – radiation therapy, light therapy, and other physical treatments
Aids – radiation therapy, light therapy, and other physical treatments
Aids – massages, compresses, inhalations and physiotherapy
Aids – massages, compresses, inhalations and physiotherapy
Accident related aids
Accident related aids
Pregnancy
Pregnancy
Examination; Treatments for complications, premature birth, miscarriage
Examination; Treatments for complications, premature birth, miscarriage
Medical repatriation, transfer, burial
Medical repatriation, transfer, burial
Medically reasonable return transport
Medically reasonable return transport
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
No deductible
No deductible Deductible: The deductible or deductible refers to the amount that a policyholder pays in the event of a claim.
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.
Pre-existing illnesses: There is no insurance cover for illnesses and complaints known before the conclusion of the contract as well as their foreseeable consequences, as well as the foreseeable consequences of such illnesses and accidents that were treated in the last 6 months before the start of the insurance.
Pre-existing illnesses: There is no insurance cover for illnesses and complaints known before the conclusion of the contract as well as their foreseeable consequences, as well as the foreseeable consequences of such illnesses and accidents that were treated in the last 6 months before the start of the insurance.

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
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
Additional services
Additional services
Travel call
Travel call
Assistance in changing bookings/delays
Assistance in changing bookings/delays
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	-
Delivery deadlines for luggage exceeded
Delivery deadlines for luggage exceeded	-
Criminal acts of third parties, traffic accidents or natural events
Criminal acts of third parties, traffic accidents or natural events	-
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 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
Strain, torn ligaments
Strain, torn ligaments
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 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

	Visum Travel Insurance
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.
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
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.
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	Tariff 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
Terms of contract
Maximum duration of trip	1 year
Area of application	Germany & Schengen countries
Overview of prices	Download PDF
Sample pricing (for one trip, 30 days, travel health insurance)	€ 36 Calculate & book

Visum travel insurance for foreign guests

Visum insurance

Your benefits

Tariff overview

Additional package

Terms of contract

Sample pricing

Key insurance benefits – at a glance

Important documents for download

Book directly – Visum travel insurance

Visum travel insurance