HanseMerkur Reiseversicherung AG

Reimburses locally customary, medically necessary treatment costs incurred abroad (outpatient and inpatient treatment, medication, dental first aid, radiology, physiotherapy, unavoidable operations) in unlimited amount unless a specific sub-limit is stated.

Unavoidable (medically urgent) operations abroad are covered in full, in unlimited amount (VB-KV 2025 §1.2 i).

Inpatient treatment in a facility recognised as a hospital in the country of stay, under permanent medical supervision, is reimbursed in unlimited amount (VB-KV 2025 §1.2 c).

Medically necessary outpatient treatment abroad, including physician fees and prescribed medication, is reimbursed in unlimited amount (VB-KV 2025 §1.2 a, d).

Pain-relieving conservative dental treatment, simple fillings and repairs to existing dentures performed or prescribed by a dentist are covered in unlimited amount; dentures, crowns, orthodontics and implants are excluded (VB-KV 2025 §1.2 b, §3.2 k).

Transport to the nearest suitable hospital for inpatient treatment and back to the accommodation is covered in unlimited amount (VB-KV 2025 §1.2 j).

If medically advisable and reasonable, extra costs of a repatriation transport to the nearest suitable hospital at the insured's home address are covered in unlimited amount, including an escort where required; also covered if inpatient treatment abroad is expected to exceed 10 days or its cost exceeds the transport cost (VB-KV 2025 §1.6.1, §1.6.3).

In the event of death, burial costs abroad up to the amount that a repatriation would have cost, or the additional costs of repatriation to the permanent place of residence, are covered in unlimited amount (VB-KV 2025 §1.6.4).

Neither the terms and conditions nor the product pages reviewed mention search and rescue cost coverage for this product.

Medically necessary treatment costs for a COVID-19 infection incurred abroad are covered as ordinary illness, including costs above EUR 100,000; this remains the case since the WHO classified the coronavirus as a pandemic, and an official travel warning does not affect coverage.

No cover exists for events that had already occurred at the time of booking or departure, or where it was already clear at departure that they would occur during the trip as planned; this also applies to pre-contractual conditions (VB-KV 2025 §4.5).

No specific mention of winter sports cover was found in the terms and conditions or the reviewed product pages.

The terms only exclude events occurring during motorsport competitions (rallies) and related training; general adventure sports cover is not otherwise addressed.

Medically necessary treatment for pregnancy-related complaints, deliveries up to the end of the 36th week of pregnancy (premature birth), treatment for miscarriage, and medically necessary termination of pregnancy are covered as an insured event, in unlimited amount; treatment for disorders of the reproductive organs is excluded (VB-KV 2025 §1.2 a, §2.1, §3.2 n).

This is a stand-alone travel health insurance; personal liability abroad is not part of this product and is offered by HanseMerkur only as a separate liability product.

Legal assistance abroad is not mentioned in the terms and conditions of this travel health insurance product.

A worldwide, multilingual 24-hour emergency call service (reachable in Austria at +43 1 3152444) advises on medical care options, issues payment guarantees to hospitals, and organises repatriation (VB-KV 2025 §1.1, §5.1).