incoming insurance up to 365 days

A perfect travel insurance for foreign guests staying not longer than 1 year in Europe. Applicable to private trips or business travel, a year abroad or any other kind of formation in Europe (Schengen Agreement).

  • travel health insurance
  • accident insurance (death: 5,000 €, invalidity: 25,000 €)
  • private liability insurance (1.5 Mio. €)

The accident- & liability insurance can be booked in addition to your travel health insurance. Insurance coverage for insured events becoming acut during your stay in Europe (pre-existing conditions: see "application of product" below).

incoming insurance up to 365 days
  age per day
travel health insurance up to 65 years 1.70 €
travel health insurance 66 - 75 years 3.50 €
accident- & liability insurance up to 65 years 0.15 €
accident- & liability insurance 66 - 75 years 0.20 €
application of product / prolongation & premature termination

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

  • This incoming insurance can be booked by every foreign guest up to 75 years of age with foreign citizenship staying temporarily (max. 365 days) in Europe including Switzerland and Liechtenstein or with German citizenship and permenently residing abroad (not in Germany) for at least 2 years.
  • Non-insurable persons: permanent care recipient, mental patient, professional athlets.
  • Insurer is HanseMerkur Reiseversicherung.
  • Online booking is possible at any time before entry and within 31 days after entry. If a previous stay in Europe already has been covered by one of these products, a new booking is possible after a waiting period of at least 2 months.
  • Only your age at the date of entry is crucial for your premium.
  • This travel insurance needs to be booked for the entire journey time (date of entry to Europe until date of return to your home country).
  • maximum insurance period: 365 days
  • If your travel plan is changing while you already abroad, you can prolong your policy up to 365 days. 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 time 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.
  • Your insurance coverage ends when your policy expires or if you leave Europe earlier than scheduled or if you take up a permanent residence in Europe, Switzerland or Liechtenstein. There is no insurance coverage in your home country.
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).

A. travel health insurance
costs of medical treatment:

  • outpatient medical treatment
  • in-patient medical treatment (shared room)
  • unpostponable surgery
  • ambulance service for in-patient medical treatment
  • medication, bandaging material
  • massages, medical dressings, inhalations (max. 300 € per year)
  • medical appliances due to an accident
  • painkilling dental treatment, including simple fillings and measures of restoring the function of existing dentures: max. 300 € per year (term insured up to 6 months), max. 600 € per year (term insured 7-12 months)
  • pregnancy already existing when entering Europe and treatment not already neccessary at that time: medically indicated treatment during pregnancy due to acute medical condition, due to premature birth (up to 36. week of pregnancy), due to induced abortion
  • pregnancy not existing when entering Europe: prenatal exam, medically indicated treatment, medical treatment due to abortion
  • delivery (waiting period 8 months)
  • medically prescribed radiation, light and other physical treatments
  • X-ray diagnostics

deductible: 25 € per damage event

follow-up treatment abroad (Europe):

  • 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: 1 month (term insured up to 6 months) or 3 months (term insured 7-12 months)

return transport, repatriation and funeral costs:

  • 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:

  • pre-existing conditions: insured events, illness, medical conditions including their consequences either already existing before entry to Europe or being acute when entering Europe
  • foreseeable expenses (regular purchasing of medicine, regular check-up’s eg.)
  • cure, sanatorium or rehabilitation treatment
  • treatment by spouses, parents or children
  • treatment by persons living together with you (including homestay family)

B. travel accident insurance

  • no excess
  • payment of an indemnity in case of death or invalidity as a result of an accident during the journey
  • in case of invalidity of at least 90 %: doubled indemnity (50,000 €)
  • search, salvage and rescue costs, transport of the insured person to hospital or to place of permanent residence (if ordered by a doctor, up to the amount insured)
  • additional costs for return travel, if ordered by a doctor and unavoidable due to the type of injury
  • return transport to home country in case of death by an accident
  • first-time cosmetic surgery, if medically neccessary due to an addicent
  • also insured: passengers of an airplane crash and sports accidents (except  of parachuting/skydiving, training and participation in motor vehicle events)

C. private liability insurance:

  • private liability damage claims against insured persons
  • requirement: damage event during the journey resulting in death, injury, poor health (personal damage) or destruction of goods (property damage)
  • damage to temporarily rented premises limited to 25,000 € (excluded: movable items, heating, warm water, electical or gas devices)
  • excluded: any damage related to keeping, driving or owning a motor vehicle (private travel liability insurance is not a third-party vehicle insurance)
  • included: examination and defense of valid claims
  • excluded: claims of relatives living in your family, fellow travellers or due to exercise of your profession
  • deductible only in case of damage to rented rooms: 20 % (minimum 50 €)
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:

how to make a claim (travel accident insurance)

Please consider the following information in the event of damage:

travel accident insurance

  • In case of an accident please visit a doctor without undue delay and inform your insurer HanseMerkur Reiseversicherung AG by calling the emergency service center.
  • A fatal accident must be reported within 48 hours - even if the accident itself, now resulting in death, already has been reported.
  • Phone number 24 h emergency service center: 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)
  • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg
  • 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 in German
  • damage notice in English
how to make a claim (travel private liability insurance)

Please consider the following information in the event of damage:

travel private liability insurance

  • Please do by no means make an acknowledgement of debt.
  • Please note names and full addresses of aggrieved parties and witnesses.
  • Please inform HanseMerkur Reiseversicherung AG and submit the damage notice for verification and further treatment of claims.
  • Phone number 24 h emergency service center: 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)
  • address: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg
  • 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 in German
  • damage notice in English