The best insurance cover for your long-term stay. Combine your individual, long-term travel cover package for stays in Germany of up to five years. We offer you travel insurance with foreign health insurance plus travel liability insurance, accident insurance, emergency insurance and baggage insurance. You can take out cover for up to five years.
Last-minute decisions: should you decide to depart early, we will reimburse a proportionate part of your premium.
Foreign guests can take out the travel insurance for up to five years at any time.
EU requirements satisfied: The extensive travel insurance cover for foreign guests for up to five years satisfies EU requirements.
| Travel insurance for foreign guests | |
|---|---|
| Travel health insurance
Travel health insurance
| |
| Product information | Download PDF |
Additional package | |
| Travel accident insurance
Travel accident insurance
HanseMerkur pays e.g:
| |
| Travel liability insurance
Travel liability insurance
Travel liability insurance protects you against third-party claims for compensation for personal injury and property damage while travelling abroad. | |
| Baggage insurance
Baggage insurance
| Tariff Profi only |
| Emergency insurance
Emergency insurance
| |
Terms of contract | |
| Maximum duration of trip | 5 years |
| Area of application | Germany |
| Overview of prices | Download PDF |
Sample pricing(for one trip, 30 days, travel health insurance Basic) | € 51 Calculate & book |
| Benefits | Tariff Basic | Tariff Profi |
|---|---|---|
| Outpatient treatment | ||
| Outpatient treatment | ||
| Out-patient medical treatments in accordance with the fee schedule | ||
| Out-patient medical treatments in accordance with the fee schedule | ||
| Ambulance transports | ||
| Ambulance transports | ||
| Screening check-ups (after a waiting period of 6 months) - for early detection of cancers, per insurance year | ||
| Screening check-ups (after a waiting period of 6 months) - for early detection of cancers, per insurance year | - | € 300 |
| Screening check-ups (after a waiting period of 6 months) - for children in accordance with the statutory programmes introduced in Germany | ||
| Screening check-ups (after a waiting period of 6 months) - for children in accordance with the statutory programmes introduced in Germany | - | |
| Inpatient treatment | ||
| Inpatient treatment | ||
| Costs of inpatient treatment including accommodation in a shared room Optionally alternatively hospital allowance up to 14 days, per day | ||
| Costs of inpatient treatment including accommodation in a shared room Optionally alternatively hospital allowance up to 14 days, per day | € 75 | € 75 |
| Ambulance transport to in-patient treatment | ||
| Ambulance transport to in-patient treatment | ||
| Dental treatment | ||
| Dental treatment | ||
| Pain-relieving, conservative dental treatments including simple dental fillings and repairs to existing dentures | ||
| Pain-relieving, conservative dental treatments including simple dental fillings and repairs to existing dentures | € 500 | € 1,000 |
| Up to 80% of the cost for medically required dentures, per insurance year (after a waiting period of 6 months) | ||
| Up to 80% of the cost for medically required dentures, per insurance year (after a waiting period of 6 months) | - | € 1,250 |
| Dental check-ups, per policy year (after a waiting period of 6 months) | ||
| Dental check-ups, per policy year (after a waiting period of 6 months) | - | € 200 |
| Medicines, bandages, healing aids or aids | ||
| Medicines, bandages, healing aids or aids | ||
| Medications and surgical dressings | ||
| Medications and surgical dressings | ||
| Aids – radiation therapy, light therapy, and other physical treatments | ||
| Aids – radiation therapy, light therapy, and other physical treatments | ||
| Aids – massages, compresses, inhalations and physiotherapy | ||
| Aids – massages, compresses, inhalations and physiotherapy | € 300 | |
| Therapeutic aids following an accident, per insurance year | ||
| Therapeutic aids following an accident, per insurance year | € 500 | |
| Repairs of existing aids, per insurance year | ||
| Repairs of existing aids, per insurance year | - | € 250 |
| Initial purchase of aids, per insurance year | ||
| Initial purchase of aids, per insurance year | - | € 500 |
| Visual aids | ||
| Visual aids | - | € 200 |
| Pregnancy | ||
| Pregnancy | ||
| Examination; Treatments for complications, premature birth, miscarriage | ||
| Examination; Treatments for complications, premature birth, miscarriage | ||
| Pregnancy examinations and deliveries (after a waiting period of 6 months) | ||
| Pregnancy examinations and deliveries (after a waiting period of 6 months) | - | |
| Medical repatriation, transfer, burial | ||
| Medical repatriation, transfer, burial | ||
| Medically reasonable return transport | ||
| Medically reasonable return transport | ||
| Repatriation to the home country or burial in the Federal Republic of Germany | ||
| Repatriation to the home country or burial in the Federal Republic of Germany | € 10,000 | € 10,000 |
| Deductible per insured event | ||
| Deductible per insured event
Deductible:
The deductible or deductible refers to the amount that a policyholder pays in the event of a claim. | € 25 | € 25 |
| Additional payment: If an illness requires medical treatment beyond the original end of the insurance cover, the insurance cover is extended until the ability to transport is restored and for a maximum of 3 months. | ||
| Additional payment: If an illness requires medical treatment beyond the original end of the insurance cover, the insurance cover is extended until the ability to transport is restored and for a maximum of 3 months. | ||
| General waiting time: The general waiting period is 31 days. It does not apply if the application is filed within 31 days of entry. The waiting period does not apply in the case of accidents and medical assistance to avert an acute danger to life. In addition, there are special waiting periods which are marked directly on the benefits. | ||
| General waiting time: The general waiting period is 31 days. It does not apply if the application is filed within 31 days of entry. The waiting period does not apply in the case of accidents and medical assistance to avert an acute danger to life. In addition, there are special waiting periods which are marked directly on the benefits. | ||
| Pre-existing illnesses: A personal contribution of €5,000 is due for the treatment of illnesses, complaints and accidents known in the last 6 months before the start of the insurance, as well as their foreseeable consequences; The benefits are limited to a maximum of €30,000. | ||
| Pre-existing illnesses: A personal contribution of €5,000 is due for the treatment of illnesses, complaints and accidents known in the last 6 months before the start of the insurance, as well as their foreseeable consequences; The benefits are limited to a maximum of €30,000. | ||
| Benefits | Tariff Basic | Tariff Profi |
|---|---|---|
| Return travel costs to home country in the event of a family member becoming ill | ||
| Return travel costs to home country in the event of a family member becoming ill | - | up to € 1,000 |
| Trip cancellation or delayed return journey (loan for additional costs) | ||
| Trip cancellation or delayed return journey (loan for additional costs) | ||
| Illness, accident or death | ||
| Illness, accident or death | ||
| Abduction | ||
| Abduction | € 10,000 | € 15,000 |
| In the event of criminal prosecution | ||
| In the event of criminal prosecution | ||
| Assistance if detained or when at risk of being detained (loan) | ||
| Assistance if detained or when at risk of being detained (loan) | € 1,000 | € 2,500 |
| Loan for bail | ||
| Loan for bail | € 10,000 | € 15,000 |
| Loss of money and documents | ||
| Loss of money and documents | ||
| Loss of travel money (loan) | ||
| Loss of travel money (loan) | - | € 500 |
| Assistance when credit and debit or Maestro cards are lost | ||
| Assistance when credit and debit or Maestro cards are lost | ||
| Loss of travel documents | ||
| Loss of travel documents | ||
| Additional services | ||
| Additional services | ||
| Travel call | ||
| Travel call | ||
| Assistance in changing bookings/delays | ||
| Assistance in changing bookings/delays | ||
| Deductible | ||
| Deductible
Deductible:
The deductible or deductible refers to the amount that a policyholder pays in the event of a claim. | None | None |
| Benefits | Tariff Basic | Tariff Profi |
|---|---|---|
| Sum insured | ||
| Sum insured | ||
| Maximum sum insured for each insured damage event | ||
| Maximum sum insured for each insured damage event | - | € 2,000 |
| Insured events | ||
| Insured events | ||
| Damage to luggage placed in custody | ||
| Damage to luggage placed in custody | - | |
| Delivery deadlines for luggage exceeded | ||
| Delivery deadlines for luggage exceeded | - | |
| Criminal acts of third parties, traffic accidents or natural events | ||
| Criminal acts of third parties, traffic accidents or natural events | - | |
| Compensation limits For the items listed below, compensation is limited to the following amounts per insured event | ||
| Compensation limits For the items listed below, compensation is limited to the following amounts per insured event | ||
| Valuable (furs, jewellery, items made of precious metals) | ||
| Valuable (furs, jewellery, items made of precious metals) | - | € 1,000 |
| Glasses, contact lenses, hearing aids, Musical instruments, including accessories and mobile phones (car phones are not insured), each with accessories | ||
| Glasses, contact lenses, hearing aids, Musical instruments, including accessories and mobile phones (car phones are not insured), each with accessories | - | € 250 |
| Golf and diving equipment, bicycles, E-Scooter, each with accessories | ||
| Golf and diving equipment, bicycles, E-Scooter, each with accessories | - | € 750 |
| Surfboards, windsurfing equipment, each with accessories | ||
| Surfboards, windsurfing equipment, each with accessories | - | € 500 |
| Mobile phones, smartphones and tablets, each with accessories | ||
| Mobile phones, smartphones and tablets, each with accessories | € 250 | |
| Other computer equipment and electronic entertainment devices, each with accessories | ||
| Other computer equipment and electronic entertainment devices, each with accessories | - | € 250 |
| If the delivery deadline is exceeded, reimbursement of expenses for necessary replacement purchases | ||
| If the delivery deadline is exceeded, reimbursement of expenses for necessary replacement purchases | - | € 500 |
| Deductible per insured event | ||
| Deductible per insured event
Deductible:
The deductible or deductible refers to the amount that a policyholder pays in the event of a claim. | - | € 50 |
| Benefits | Tariff Basic | Tariff Basic |
|---|---|---|
| Everyday liability risks | ||
| Everyday liability risks | € 1 million | € 2,5 million |
| Liability claims for damage to rented property, per insured event | ||
| Liability claims for damage to rented property, per insured event | € 10,000 | € 25,000 |
| Loss of keys | ||
| Loss of keys | - | up to € 250 |
| Damage to the household of the host family | ||
| Damage to the household of the host family | € 10,000 | € 25,000 |
| Deportation costs | ||
| Deportation costs | € 1,000 | € 5,000 |
| Damage to assets | ||
| Damage to assets | - | € 10,000 |
| Professional liability | ||
| Professional liability | - | € 25,000 |
| Bad debt insurance | ||
| Bad debt insurance | - | € 10,000 |
| Deductible | ||
| Deductible
Deductible:
The deductible or deductible refers to the amount that a policyholder pays in the event of a claim. | None, except for: Damage to rented property and deportation costs: 20 %, at least € 50. Damage to the household of the host family: 10 %, at least € 200. Bad debt insurance 10 %, at least € 200 | None, except for: Damage to rented property and deportation costs: 20 %, at least € 50. Damage to the household of the host family: 10 %, at least € 200. Bad debt insurance 10 %, at least € 200 |
| Benefits | Tariff Basic | Tariff Profi |
|---|---|---|
| Insured events | ||
| Insured events | ||
| Damage to health caused by an accident | ||
| Damage to health caused by an accident | ||
| Strain, torn ligaments | ||
| Strain, torn ligaments | ||
| Insured benefits | ||
| Insured benefits | ||
| In the event of disability | ||
| In the event of disability | € 20,000 | € 60,000 |
| Progression with more than 25% disability | ||
| Progression with more than 25% disability | 350 % | 350 % |
| Sum insured in the event of death | ||
| Sum insured in the event of death | € 10,000 | € 20,000 |
| Sum insured in the event of death (for children under the age of 18) | ||
| Sum insured in the event of death (for children under the age of 18) | € 5,000 | € 10,000 |
| Rescue costs | ||
| Rescue costs | € 5,000 | € 10,000 |
| Cosmetic surgery costs | ||
| Cosmetic surgery costs | € 5,000 | € 10,000 |
| Deductible | ||
| Deductible
Deductible:
The deductible or deductible refers to the amount that a policyholder pays in the event of a claim. | None | None |
