Merkur Versicherung Aktiengesellschaft

Outpatient medical treatment, medically necessary treatment, medication and dressing materials, radiology, physical therapy, unavoidable operations and medical transport abroad are reimbursed at the customary local cost in full (unlimited), in both the Sorglos and Premium tiers. Inpatient (hospital) treatment is subject to a separate limit — see 'hospitalization'.

Non-deferrable/emergency treatments, urgent operations and emergency ambulant care abroad are covered in unlimited amount (at customary local rates) in both tiers. Emergency call centre also arranges guidance to a German- or English-speaking doctor.

Unavoidable inpatient hospital treatment abroad is covered. In the Sorglos tier, costs are capped at EUR 300,000 per insured event; in the Premium tier there is no cap on inpatient treatment costs.

Ambulant medical treatments abroad are reimbursed in full at customary local cost, without a monetary ceiling, in both the Sorglos and Premium tiers.

Pain-relieving conservative dental treatment, simple fillings and repairs of existing dentures performed or prescribed by a dentist are covered in both tiers, with no separate monetary limit stated (reimbursed as part of general treatment costs). Dentures, crowns, implants and orthodontic treatment are explicitly excluded.

Additional costs of transport to the nearest suitable hospital at the destination, and medically justified transport back to the accommodation, are covered without a monetary ceiling in both tiers.

Medically sensible repatriation to a hospital near the insured's home address is covered without a monetary ceiling in both tiers. Costs of a necessary escort or medical escort during the transport are capped at EUR 2,500 per insured event in the Sorglos tier, while the Premium tier has no cap on escort costs.

In the event of death abroad, HanseMerkur covers burial costs abroad up to the amount that repatriation would have cost, or the additional costs of repatriating the deceased to their permanent residence, in full, in both tiers.

Under the Reise-Unfallversicherung (travel accident cover) bundled with this product, costs for search, rescue or recovery operations by public or private rescue services, transport to hospital, and additional return-travel costs are covered up to EUR 20,000 in the Sorglos tier and up to EUR 80,000 in the Premium tier.

The policy does not list any pandemic, epidemic or communicable-disease exclusion in the Reise-Krankenversicherung (the exclusions list only names HIV specifically). COVID-19 illness abroad is therefore covered as an ordinary illness under the general outpatient/inpatient treatment terms (unlimited outpatient cost reimbursement; inpatient capped at EUR 300,000 in Sorglos, unlimited in Premium).

No dedicated winter sports benefit or exclusion is stated in the reviewed terms and conditions or benefits overview.

No dedicated adventure or extreme sports benefit is stated. The only related restriction found is a general exclusion of events occurring during motorsport competitions (time trials and rallies) and their associated training.

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 part of outpatient treatment, with no separate monetary cap, in both tiers. Treatment of newborns following a birth during the trip is also covered.

General everyday private liability risks occurring on the trip (e.g. as head of family/household, cyclist, sports participant) are covered up to EUR 750,000 in the Sorglos tier and up to EUR 1,000,000 in the Premium tier. Liability for damage to rented accommodation (Mietsachschäden) is covered up to EUR 25,000 in both tiers.