Glossary – Insurance terms from A to Z

In the event of inpatient treatment, you have the choice between reimbursement of costs for inpatient treatment and a daily allowance of EUR 50 per day. It is paid for a maximum of 14 days from the start of inpatient treatment. The decision must be made at the beginning of the in-patient treatment. 

The date of entry refers to the day of entry into a country. For some longer-term insurances, the date of entry is necessary for the preparation of an offer and is requested in the booking process.

If the date of entry has not yet been fixed, e.g. because it is only determined by the embassy when a visa is issued, please contact our service hotline on 49 40 4119-1919 to book an insurance.

For products with cancellation protection (travel cancellation insurance), a closing deadline of 30 days after travel booking applies. For the other insurance policies, the contract must be concluded before the start of the journey. Insurance cover always exists only after payment of the premium. Events that occurred before the payment of the premium are not insured

A deductible is the financial share that the policyholder has to bear himself in the event of a claim. 

The following regulations apply to HanseMerkur insurances:

Travel cancellation and travel curtailment insurance for one trip
20% deductible costs are incurred for medical expenses abroad without submission to the private/social insurance.

Travel health insurances for one trip
No deductible (exception: longterm insurances) 

Annual travel insurances
No deductible

For further insurance and deductibles, please refer to the respective insurance terms and conditions on the product detail pages.

The country of travel refers to the country in which the insured person mainly stays during the trip or stay abroad.