HanseMerkur Krankenversicherung auf Gegenseitigkeit (HanseMerkur Insurance Group)
HanseMerkur
HanseMerkur is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
Not specified in the reviewed benefits summary for this tariff.
Geographic scope
Worldwide
Worldwide coverage while traveling abroad (outside Germany)
Unique selling points
- 100% reimbursement of outpatient and inpatient medical treatment costs abroad.
- 24-hour, multilingual emergency hotline reachable worldwide.
- Online doctor and dermatologist consultation service with cost reimbursement included.
- COVID-19 treatment costs are covered, including costs exceeding EUR 100,000.
- Can be booked online at any time before departure, with confirmation issued by email.
Coverage limits
Medical expenses
100% of insured sum
Outpatient treatment, inpatient treatment, medication and surgery abroad are reimbursed at 100% of costs; the Basic tariff carries a EUR 20 deductible per insured person per insured period.
Emergency medical treatment
No limit stated
Not separately identified in the benefits summary; general medical treatment is covered under medical_expenses.
Hospitalization
100% of insured sum
Inpatient hospital treatment abroad is reimbursed at 100% of costs.
Outpatient treatment
100% of insured sum
Outpatient medical treatment abroad is reimbursed at 100% of costs according to the applicable fee schedule.
Emergency dental treatment
€250 – €1,000
Pain-relieving conservative dental treatment is covered up to EUR 250 in the Basic tariff and up to EUR 1,000 in the Profi tariff.
Medical transport
100% of insured sum
Transport to the nearest suitable hospital for treatment is covered at 100% of costs.
Medical evacuation / repatriation
100% of insured sum
Medically necessary repatriation to a hospital in the home country is covered at 100% of costs.
Repatriation of remains / burial abroad
€10,000
Costs for repatriation of the deceased or burial abroad are covered up to EUR 10,000, in both the Basic and Profi tariffs.
Search and rescue costs
No limit stated
Not listed as a benefit in the VB-KV 2026 (B-REA-D) Basic/Profi benefits table.
COVID-19 treatment
Covered
Medically necessary treatment costs for COVID-19 infections are covered, including treatment costs exceeding EUR 100,000.
Pre-existing conditions
No limit stated
Not addressed in the reviewed benefits summary for this tariff.
Pregnancy complications
100% of insured sum
Examinations and treatment for pregnancy complications, premature birth and miscarriage are covered at 100% of costs.
Personal liability
No limit stated
Not part of the travel_medical tariff; liability cover (VB-RS 2026 Reise-Haftpflichtversicherung) is a separate product not evaluated here.
24/7 assistance hotline
Covered
A 24-hour, multilingual emergency hotline is available worldwide for medical guidance and coordination of repatriation.
Key conditions
Assistance call deadline
Not specified in the reviewed documents for this tariff.
Unauthorized treatment
Not specified in the reviewed documents for this tariff.
Purchase while abroad
The policy can be taken out at any time before the start of the trip; the reviewed source describes conclusion prior to departure rather than after the trip has already begun.
Chronic conditions
Not specified in the reviewed documents for this tariff.
Pregnancy
Pregnancy complications, premature birth, and miscarriage are covered at 100% of costs under both the Basic and Profi tariffs.
Pre-existing condition exclusions
Not specified in the reviewed benefits summary for this tariff.
Coverage duration limit
If treatment abroad continues beyond the originally agreed insurance period, cover is extended until the insured person is fit to travel again, up to a maximum of 3 months.
Where to buy
Documents
Benefits overview VB-KV 2026 (B-REA-D) Basic and Profi
Table of benefits
Policy specifics
Medical repatriation
Costs for medically necessary repatriation to home country included in core coverage
SourceCOVID-19 coverage
Medically necessary treatment costs for COVID-19 infections are covered, including treatment costs exceeding EUR 100,000
SourceOnline doctor service
Access to online doctors and dermatologists worldwide with cost reimbursement included
SourceDeductible varies by tariff
The Basic tariff carries a deductible of EUR 20 per insured person per insured period; the Profi tariff's benefits table lists no deductible.
SourceClaims reimbursement model
Insurance operates on reimbursement basis - policyholder pays upfront and claims reimbursement later
Source24/7 emergency hotline
Multilingual emergency support available 24/7 worldwide for medical guidance and repatriation coordination
SourceAge eligibility restrictions
Standard Travel Health Insurance available for all ages; specific age restrictions apply to Young Travel variant (up to 34 years) and student-specific products
SourceGeographic coverage options
Coverage defaults to worldwide; optional tariffs exclude USA/Canada; specific regional restrictions may apply
SourcePre-existing condition exclusions
Specific exclusion terms and conditions for pre-existing medical conditions apply; details in full T&C only
Source