travel health insurance up to 5 years (family)

A perfect solution for all families staying abroad for work & travel, work abroad,  internship, traineeship, studies, scholarship or studentship, language holidays, aid projects, adventure holidays, business trip abroad or simply for people going on a round-the-world-trip. Top benefits – no deductible!

This travel health insurance is suitable, if you will stay in the USA or in Canada during your trip. For transit flights or short-term stays in USA or Canada, please see on the right.

travel health insurance worldwide (USA & Canada included)
stays up to: per family
(any age of adults)
5 days

family:

1 adult
+
1 - 4 children under 18 years of age

or

2 adults
+
1 - 3 children under 18 years of age

(children of full age included, if still in job training)

 29 €
15 days 45 €
1 month 89 €
2 months 155 €
3 months 287 €
4 months 415 €
5 months 519 €
6 months 659 €
7 months 775 €
8 months 865 €
9 months 995 €
10 months 1,119 €
11 months 1,199 €
12 months 1,375 €
13.-24. month 179 € (each)
25.-36. month 189 € (each)
37.-48. month 199 € (each)
49.-60. month 209 € (each)

calculation of premiums for stays of more than 1 year:
premium of 12-month period + premium per additional month each
application of product / prolongation & premature termination

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

  • This insurance is a travel health insurance for trips abroad.
  • It is not required to be a student. The STA Travel health insurance can be booked by everybody. The insurer is HanseMerkur Reiseversicherung AG.
  • Furthermore it 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.
  • 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”.
  • As well you can apply the cheaper premium "USA & Canada excluded", if the insured period is 12 months at least and if you will stay not longer than 14 days in the USA or in Canada during this period.
  • The insurance coverage is valid worldwide abroad except of Germany or any other home country. Home countries are countries around the world, where you have a registered residence. USA & Canada only are included, if you booked the premium "incl. USA & Canada". (for information on limited coverage in your home country, if the journey is interrupted: see information above).
  • 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.
  • Please note that policies not covering the entire journey time or which are not booked for an shorter period because of an exemption agreed on in advance are not valid.
  • Maximum insurance period: 60 months. If you are staying abroad more than 12 months, the premium “12 months” will be applied and additionally the monthly premium for each additional month according to the chart above.
  • Family: 1 or 2 adults + minimum 1 child under 18 years of age, in total max. 5 persons. Full-aged children are included, if still in formation. Persons of a family premium must not be related to each other.
  • If your travel plan is changing while you already abroad, you can prolong your policy up to 60 months. The additional premium is exactly counted for the extended time. Please contact us by e-mail 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
  • massages, medical dressings, inhalations and physiotherapy
  • painkilling dental treatment, including simple fillings and measures of restoring the function of existing dentures
  • medically indicated treatment during pregnancy due to acute medical condition
  • 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
  • if staying in the USA or Canada: first and one-time out-patient treatment of a psychoanalytic and psychotherapeutic disease by a specialist as well as additional costs for traveling back to the home country will be compensated, if in-patient treatment becomes necessary (if premium "incl. USA & Canada" has been booked)

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 (no time limit)

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)
  • although medically not necessary, additional costs of return travel will be covered, if the in-patient treatment abroad will last for at least 14 days and/or costs of medical treatment abroad will exceed costs of a return transport
  • costs of an insured fellow traveller accompanying the insured person, if it is medically necessary, ordered by authorities or required by the transport company
  • additional costs for return travel by any common available means of transportation (lowest class), if in-patient treatment lasts for more than 3 days
  • transportation of the deceased to the permanent place of residence
  • 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

pre-existing illness / condition:

  • necessary medical treatment in case of pre-existing illness becoming acute during your journey is included, if complications have not been forseeable on departure
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 up to 6 months: no coverage in your home country
  • insured period from   7 to 12 months: 3 weeks
  • insured period from 13 to 60 months: 6 weeks per insurance year

The limited insurance coverage in home country cannot be saved up during a several years stay abroad.

requirements:

  • Your stay in home country is an interruption of your journey abroad (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, no continuation of treatment already started abroad), which became necessary during the interruption of the journey.

If your journey is finished earlier than scheduled (regardless of the reason) there is by no means insurance coverage in the home country. Your insurance policy automatically expires on the day of final return to your home country. Premiums for the remaining months not used because of premature return travel will be refunded. Please contact us.

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: