Glossary – Insurance terms from A to Z

In the event of return transport from abroad to the home country, a distinction is made between medically necessary repatriation ordered by a doctor and medically expedient repatriation.

Medically necessary return transport is, for example, when the patient cannot be treated appropriately abroad. The return transport can take place as soon as the patient is fit for transport. The decision on this is made by the doctors of the emergency service.

You can choose between bank debit or SEPA direct debit, credit card payment (Visa, Mastercard, American Express and Diners Club International) and Paypal.

In the case of a one-off payment, the amounts are collected immediately when the insurance is booked; in the case of annual insurance, they are also collected immediately when the first direct debit is made, and in the case of any subsequent premiums, they are collected in each case on the next due date resulting from the respective start of the insurance.

Travel insurance is priced differently depending on either the risk (e.g. the price of the trip, the duration of the trip, the scope of coverage or the services included) or the travellers (e.g. individual, group or family). These different classifications within a travel insurance are known as tariffs (or plans).

The policyholder is the person who concludes the contract with HanseMerkur. The policyholder can also be the insured person at the same time (but does not have to be). The insured person is the person to whom the agreed insurance cover applies. For example, travel insurance can be taken out by a wife (policyholder) for her husband or for her children (insured persons). Or a tour guide (policyholder) takes out travel insurance for a tour group (insured persons).

Public means of transport are all air, land or water vehicles licensed for public passenger transport within Germany. Means of transport operating as part of round trips/round flights are not considered to be public or connecting transport. Furthermore, rental cars, taxis and cruise ships are not public transport.