Company insurance Hanse Global – covers your business trips for an unlimited period
Your benefits
With this comprehensive insurance package, Hanse Global secures worldwide business trips, business-related stays abroad and deployment. Comfortably book each individual journey via the online tool and benefit from the flexibility of purchasing insurance cover for any specific number of days. This provides you with the flexibility of being covered and only billed for any number of days of your choice.
Hanse Global supports employers in Germany in satisfying their legally prescribed duty to care for their employees and offers optimal insurance cover for worldwide business trips and deployment of employees abroad.
- Your business trip is covered worldwide
- No retained risk for medical treatment
- We also insure employees of foreign subsidiaries and branches
- In the event of a crisis our experts support you
- We can offer you premiums on a daily basis
- Our emergency service is available 24 hours a day - for professional advice 365 days a year
At a glance – key insurance benefits
Travel health insurance
| Benefits | Tariff Basis | Tariff Premium |
|---|---|---|
| out-patient medical treatment administered by a doctor | ||
| out-patient medical treatment administered by a doctor | ||
| pregnancy (after the start of the insurance period) | ||
| pregnancy (after the start of the insurance period) | ||
| examinations and treatments by midwives | ||
| examinations and treatments by midwives | € 1,600 | € 1,600 |
| medications and surgical dressings | ||
| medications and surgical dressings | ||
| radiation therapy, light therapy, and other physical treatments | ||
| radiation therapy, light therapy, and other physical treatments | € 250 | |
| medication and dressings prescribed by a doctor | ||
| medication and dressings prescribed by a doctor up to | - | € 2,000 |
| x-ray diagnosis | ||
| x-ray diagnosis | ||
| stays in hospital | ||
| stays in hospital | two-bedded room | single room |
| optional: daily hospital allowance for a maximum of 30 days, per day | ||
| optional: daily hospital allowance for a maximum of 30 days, per day | € 25 | € 25 |
| transfers and transportations to hospital | ||
| transfers and transportations to hospital | - | |
| operations | ||
| operations | ||
| pain management dental treatment | ||
| pain management dental treatment | ||
| accident-related dental prothesis per insurance year up to | ||
| accident-related dental prothesis per insurance year up to | € 3,600 | € 4,800 |
| dental prothesis per insurance year up to | ||
| dental prothesis per insurance year up to | €500 | € 500 |
| general inoculations according to the vaccination card | ||
| general inoculations according to the vaccination card | ||
| costs for the stay of a companion in the hospital, in the case of in-patient treatment of children up to the age of 12 | ||
| costs for the stay of a companion in the hospital, in the case of in-patient treatment of children up to the age of 12 | ||
| accompanying person for children | ||
| accompanying person for children | ||
| insurance cover for newborn babies>/td> | ||
| insurance cover for newborn babies | ||
| psychotherapy (20 days in-patient treatment, out-patient maximum of € 1,500 per year) | ||
| psychotherapy (20 days in-patient treatment, out-patient maximum of € 1,500 per year) | in the event of trauma | 100 % |
| medically reasonable and prescribed return transportation | ||
| medically reasonable and prescribed return transportation | ||
| repatriation | ||
| repatriation | € 10,000 | € 15,000 |
| funeral abroad | ||
| funeral abroad | € 10,000 | € 15,000 |
| extended liability until recovery of transportability | ||
| extended liability until recovery of transportability | ||
Emergency insurance
| Benefits | Emergency insurance |
|---|---|
| In case of illness, accident or death | |
| In case of illness, accident or death | |
| hospital visit: in the event of a stay in hospital lasting longer than 14 days we organise the travel of a companion and accept the costs of the journey there and back | |
| hospital visit: in the event of a stay in hospital lasting longer than 14 days we organise the travel of a companion and accept the costs of the journey there and back | |
| rescue costs, etc.: if, due to an accident, the insured person has to be searched for, rescued or recovered, we accept the costs up to a sum of | |
| rescue costs, etc.: if, due to an accident, the insured person has to be searched for, rescued or recovered, we accept the costs up to a sum of | € 10,000 |
| dispatch of pharmaceutical products: if at your destination medically prescribed pharmaceutical products are mislaid, we procure replacement preparations and dispatch them to the residence (the costs of the preparations must be repaid to us within a month of your return). | |
| dispatch of pharmaceutical products: if at your destination medically prescribed pharmaceutical products are mislaid, we procure replacement preparations and dispatch them to the residence (the costs of the preparations must be repaid to us within a month of your return). | |
| support: via our emergency number we can inform you, upon request, about the possibilities of medical care and can name - where possible - a German-speaking or English-speaking doctor | |
| support: via our emergency number we can inform you, upon request, about the possibilities of medical care and can name - where possible - a German-speaking or English-speaking doctor | |
| information: we can arrange for the transfer of information between your family doctor and the doctors attending to you locally | |
| information: we can arrange for the transfer of information between your family doctor and the doctors attending to you locally | |
| declaration of acceptance of costs: we give a cost-acceptance guarantee to the hospital - in the form of a loan to the insured person | |
| declaration of acceptance of costs: we give a cost-acceptance guarantee to the hospital - in the form of a loan to the insured person | |
| In cases of travel discontinuation or delayed return journey | |
| In cases of travel discontinuation or delayed return journey | |
| organization of the return journey and granting of a loan for additional costs, if the trip has to be discontinued due to illness, an accident, kidnapping or death | |
| organization of the return journey and granting of a loan for additional costs, if the trip has to be discontinued due to illness, an accident, kidnapping or death. | |
| In cases of criminal prosecution | |
| In cases of criminal prosecution | |
| payment of a loan for bail up to | |
| payment of a loan for bail up to | € 13,000 |
| help in the event of imprisonment or threat of imprisonment | |
| help in the event of imprisonment or threat of imprisonment | |
| In cases of loss of cash, credit cards or travel documents | |
| In cases of loss of cash, credit cards or travel documents | |
| help with money transfers between the principal bank and the insured person up to | |
| help with money transfers between the principal bank and the insured person up to | |
| help in the event of loss of travellers' means of payment, up to | |
| help in the event of loss of travellers' means of payment, up to | € 1,500 |
| help in cases of loss of credit cards and EC or Maestro cards | |
| help in cases of loss of credit cards and EC or Maestro cards | |
| help in cases of loss of travel documents | |
| help in cases of loss of travel documents | |
| help and reimbursement of costs for the return transfer of children | |
| help and reimbursement of costs for the return transfer of children | |
| Further support | |
| Further support | |
| help and reimbursement of costs for the return transfer of children | |
| help and reimbursement of costs for the return transfer of children | |
Baggage insurance
| Benefits | Baggage insurance |
|---|---|
| Insurance sum | |
| insurance sum | by arrangement |
| Compensation is limited to the following amounts: | |
| Compensation is limited to the following amounts: | |
| valuables up to | |
| valuables up to | € 1,000 |
| glasses, contact lenses, hearing aids and mobile telephones (car phones are not insured), including accessories for the aforementioned items up to | |
| glasses, contact lenses, hearing aids and mobile telephones (car phones are not insured), including accessories for the aforementioned items up to | € 250 |
| golf and diving equipment, bicycles, including accessories for the aforementioned items up to | |
| golf and diving equipment, bicycles, including accessories for the aforementioned items up to | € 500 |
| Musical instruments, including accessories (private) up to | |
| Musical instruments, including accessories (private) up to | € 250 |
| emergency purchases due to overdue delivery of luggage up to | |
| emergency purchases due to overdue delivery of luggage up to | € 500 |
Travel liability insurance
| Benefits | Travel liability insurance |
|---|---|
| in the event of personal injury, up to | |
| in the event of personal injury, up to | € 2.5 million |
| in the event of damage to property, up to | |
| in the event of damage to property, up to | € 2.5 million |
Travel cancellation insurance
| Benefits | Travel cancellation insurance |
|---|---|
| insurance sum | |
| insurance sum | according to the price of the trip |
| insured benefits | |
| insured benefits | |
| cancellation costs - if you have failed to start the trip. | |
| cancellation costs - if you have failed to start the trip. | |
| additional costs for the outbound journey - in the event of a delay in starting your journey | |
| additional costs for the outbound journey - in the event of a delay in starting your journey | |
| additional costs for the return journey - in the event of discontinuation of the journey or of delayed return | |
| additional costs for the return journey - in the event of discontinuation of the journey or of delayed return | |
| costs of rebooking up to € 30 per person/object | |
| costs of rebooking up to € 30 per person/object | |
Travel accident insurance
| Benefits | Travel accident insurance |
|---|---|
| in case of invalidity | |
| in case of invalidity | € 100,000 |
| progressive grading to the maximum invalidity benefits of 350% | |
| progressive grading to the maximum invalidity benefits of 350% | |
| in the event of death | |
| in the event of death | € 50,000 |
| for children up to the age of 18 | |
| for children up to the age of 18 | € 5,000 |
| for rescue and recovery costs | |
| for rescue and recovery costs | € 5,000 |
| for the costs of cosmetic surgery | |
| for the costs of cosmetic surgery | € 5,000 |
