travel health insurance up to 5 years (PROFI)

This travel health insurance PROFI is especially suitable for longterm stays abroad of up to 5 years, if you are looking for additional benefits. Applicable to both private and business trips.

benefits (among others):

  • outpatient and in-patient medical treatment
  • medication, bandaging material, medical appliances
  • ambulance service for in-patient medical treatment
  • painkilling dental treatment
  • dentures
  • preventive checkups
  • medically indicated treatment during pregnancy due to acute medical condition
  • return transport to home country
  • repatriation or burial (max. 10,000 €)
  • insurance coverage in home country in case of interruption of stay

Deductible: 25 € per insurance case. For more information on benefits included, please see "benefits" below.

Please choose "USA & Canada incl.", if you will stay there longer than only for transit reasons (see also right side).

travel health insurance up to 5 years (PROFI)
premium per month USA & Canada excl. USA & Canada incl.
up to 18 years 45 € 108 €
19 - 65 years 89 € 178 €
66 - 75 years 356 € 712 €
application of product / prolongation & premature termination

You will easily find the right premium for your trip by taking these hints:

  • This travel health insurance can be booked by everybody staying abroad for private or business reasons (max. 5 years). The insurer is HanseMerkur Reiseversicherung AG.
  • Is not required that you are insured in Germany or in any other home country while you are on your journey.
  • Only your age at the date of departure is crucial for the premium. It is of no importance if you reached an age limit while travelling.
  • Insurance coverage ends, when you reach the maximum age (75. birthday).
  • If you are travelling on a transit flight through USA or Canada or if you spend not more than 1 night as a transit passenger on your outward and/or return journey, you can apply the cheaper premium “USA & Canada excluded”.
  • The insurance coverage is valid worldwide except of USA & Canada (if choosen), Germany or other home country. Home countries are countries around the world, where you have a registered residence.
  • Travel health insurance needs to be booked over the entire journey time (date of departure from your home country until date of return to your home country)
  • If you wish to insure only a part of your journey time, please contact us. Exceptionally it is possible to insure parts of a journey time.
  • Maximum insurance period: 5 years.
  • If your travel plan is changing while you already abroad, you can prolong your policy up to 5 years. The additional premium is exactly counted for the extended time. Please contact us via Email before your present policy expires.
  • If you return earlier than expected to your home country, premiums paid for the remaining travel months will be refunded. Please keep your boarding card or any other document that states the date of your return und get in touch with us when you are back home.
benefits

This is a summary of the major benefits in a short version. The full terms & conditions, which are binding for your insurance coverage, can be downloaded from the right side (see: online-booking).

costs of medical treatment abroad:

  • outpatient medical treatment
  • in-patient medical treatment
  • unpostponable surgery
  • ambulance service for in-patient medical treatment
  • medication, bandaging material
  • medical appliances (becoming neccessary because of an accident)
  • medical appliances (not because of an accident) up to 2,000 € per insurance year (waiting period 6 months)
  • massages, medical dressings, inhalations and physiotherapy
  • painkilling dental treatment, including simple fillings and measures of restoring the function of existing dentures
  • cure, sanatorium or rehabilitation, if becoming neccessary due to severe stroke, heart attack or skeletal disorder
  • medically indicated treatment during pregnancy due to acute medical condition as well as medically induced abortion
  • insurance coverage of € 50.000 for newborn babies in case of premature birth (up to 36. week of pregnancy)
  • medically prescribed radiation, light and other physical treatments
  • X-ray diagnostics
  • outpatient preventive checkups for children as well as for early cancer diagnosis (waiting period 6 months)
  • dentures (80 % of the doctor´s bill) up to 1,000 € per insurance year (first 2 insurance years) and up to 1,500 € per insurance year (from third insurance year)

deductible: 25 € per insurance case

follow-up treatment abroad:

  • if travelling back to home country as scheduled is not possible because the insured person is unable to be transported due to medical reasons, insurances benefits will be provided abroad until the insured person can be transported back home (max. 3 months)

return transport, repatriation and funeral costs:

  • medically reasonable return transport to the nearest hospital in the home country of the insured person (if return transport is medically reasonable, will be decided by the contractual physician of the insurer in consultation with the treating physician abroad)
  • transportation of the deceased to the permanent place of residence (max. 10,000 €)
  • funeral costs abroad (up to the amount of transport costs to the home country)

limitation of insurance coverage:

  • foreseeable expenses (regular purchasing of medicine, regular check-up’s eg.)
  • normal health care during an uncomplicated pregnancy (unexpected complications covered)
  • treatment by spouses, parents or children
insurance coverage in home country

If you interrupt your journey once or several times for a short stay in your home country, insurance coverage in your home country is as follows:

  • insured period of at least 12 months: 6 weeks per insurance year

requirements:

  • your stay in home country is an interruption of your journey (which is continued at the end of your stay in home country)
  • the interruption takes place within the insured period
  • insurance coverage in home country is equal to insurance coverage abroad: medically necessary treatment (no precaution or routine examination)

If your journey is finished earlier than scheduled (regardless of the reason) there is by no means insurance coverage in the home country.

how to make a claim (travel health insurance)

outpatient or in-patient treatment:

  • You can consult any doctor or hospital available at your destination (free choice). A prior coordination with HanseMerkur Reiseversicherung AG is not necessary.
  • In case of emergency please contact the emergency phone number 24 hours a day: (country code for Germany usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone).
  • In any case, a medically reasonable return transport will exclusively be arranged by the emergency call center in co-operation with the doctor / hospital in charge at the destination.
  • Outpatient treatment must be prepaid by the insured person. Please request written diagnostic analysis, the doctor´s bills, receipts and prescriptions. They can be produced in any language or currency.
  • If in-patient treatment is necessary, please immediately contact HanseMerkur. It is possible to arrange direct billing between the hospital and HanseMerkur. Please keep your policy number ready when calling the emergency phone number (country code for Germany usually +49)-180-5256256 (charges from foreign countries plus 0,14 €/min when calling by landline number or 0,42 €/min by mobile phone)
  • Please submit your claim to HanseMerkur including original documents (treatment) as well as damage notice (see below) after returning home by mail to: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg.
  • If you prefer to submit your claim already while on journey, we recommend to send all documents through an international courier service in order to avoid the risk of loss of documents.
  • In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT), damage notice, original documents issued by the doctor or hospital.

damage notice travel health insurance:

Austrian residents can submit their documents to the office of HanseMerkur Reiseversicherung AG in Vienna. Please us the damage notice for Austria: