HanseMerkur Travel insurance (Jahresreiseschutz)

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).

Treatment abroad is excluded only if it was the sole or a contributing reason for undertaking the trip, or if it was already foreseeable at the time of departure that treatment would be needed during the planned course of the trip (unless the trip was undertaken due to the death of a spouse or first-degree relative). Pre-existing conditions unrelated to the reason for travel and not foreseeably requiring treatment are otherwise covered under the normal illness benefits.

No separate winter sports benefit; recreational winter sports are covered under the general benefits, and only motorsport competitions (time trials and rallies) and their associated training are excluded.

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.

Within the Reise-Haftpflichtversicherung, costs of a legal dispute over a covered liability claim are borne in full and are not counted against the insured sum, in both tiers. Separately, under Reise-Assistance, HanseMerkur helps arrange a lawyer/interpreter and advances (as a repayable loan, not an indemnity) up to EUR 3,000 for legal, court and interpreter costs in case of arrest or threat of arrest, and up to EUR 13,000 as a loan for bail, identical in both tiers.