Itzehoer Versicherungen Travel insurance (Reiseschutz Auslaendische Gaeste Profi)

Travel and long-term travel health insurance from this cooperation have repeatedly been recognized as top-rated / award-winning in the market.

The policy can be concluded entirely online, including after the insured has already entered Germany.

A worldwide 24-hour hotline can issue a direct cashless cost-guarantee to hospitals so insureds do not need to pay upfront.

Free choice of doctors and hospitals allows treatment as a private patient abroad rather than being limited to statutory-insurance providers.

Assistance call deadline

Immediate contact with the emergency service is required before extensive diagnostic/therapeutic measures in case of inpatient treatment, before non-emergency dental prosthesis treatment (a cost plan must be submitted first), and before any repatriation transport.

Unauthorized treatment

Breach of contractual obligations (e.g. failing to notify the emergency service, not cooperating in claims handling) can result in full or partial loss of benefits, in line with §28 VVG.

Purchase while abroad

The contract can be concluded at any time, also after entering Germany. If the application is made more than 31 days after entry, a 31-day general waiting period applies (not for accidents or acute danger to life).

Section: Abschnitt I > 1.5 Versicherungsjahr und Wartezeiten

Ein Abschluss eines Versicherungsvertrages kann jederzeit getätigt werden. ... Die allgemeine Wartezeit entfällt, wenn die Antragstellung innerhalb von 31 Tagen nach Einreise erfolgt. Die Wartezeit entfällt auch bei Unfällen und bei ärztlicher Hilfe zur Abwendung einer akuten Lebensgefahr für Sie.

Chronic conditions

Chronic illnesses are generally covered as ordinary insured events, but if known within 6 months before the start of cover, the pre-existing-condition excess (5,000 EUR per event, 30,000 EUR total cap) applies.

Pregnancy

Pregnancy and delivery are covered as an insured event if the pregnancy had not yet begun when the contract started; after a 6-month waiting period, prenatal check-ups and delivery are reimbursed at 100%, and complications/miscarriage/premature birth before the 36th week are covered at 100% without the waiting period if unforeseen at contract start.

Pre-existing condition exclusions

Illnesses, complaints or accident consequences known within the 6 months before the start of coverage or an extension are subject to a 5,000 EUR excess per insured event, with total benefits for these capped at 30,000 EUR per insured person for the whole contract term.

Coverage duration limit

The maximum insurance duration per contract is 1 year. If the stay in Germany is extended, further cover requires a new contract (subject to the insurer's explicit consent) within the maximum duration; if the extension is for reasons beyond the insured's control, the contract can be extended beyond the maximum duration on request. Treatment can also be extended up to 3 months beyond the agreed term if the insured is not yet fit to travel.

Direct payment

In case of inpatient treatment, HanseMerkur's worldwide 24-hour emergency service can issue a direct cost-guarantee to the hospital so the insured does not need to pay upfront.