Perfect cover with the Visum travel insurance: with a foreign health insurance, a travel liability insurance, an accident insurance, emergency insurance and baggage insurance you are optimally covered. Our Visum travel insurance corresponds to the requirements of a "Schengen" visa.
The extent of the insurance cover satisfies the requirements of the EU for a Schengen visa
You have no retained risk even within our maximum benefit paid
| Visum Travel Insurance | |
|---|---|
| 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 | 1 year |
| Area of application | Germany & Schengen countries |
| Overview of prices | Download PDF |
Sample pricing(for one trip, 30 days, travel health insurance) | € 36 Calculate & book |
| Benefits | Travel health insurance |
|---|---|
| Sum insured | |
| Sum insured | |
| The sum insured is limited to a total of €50,000 per insured person for all insured events within the term of the contract. | |
| The sum insured is limited to a total of €50,000 per insured person for all insured events within the term of the contract. | |
| 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 | |
| Inpatient treatment | |
| Inpatient treatment | |
| Costs of inpatient medical treatment including accommodation in a shared room Alternatively, daily hospital allowance for up to 14 days per day | |
| Costs of inpatient medical treatment including accommodation in a shared room Alternatively, daily hospital allowance for up to 14 days per day | € 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 | |
| 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 | |
| Accident related aids | |
| Accident related aids | |
| Pregnancy | |
| Pregnancy | |
| Examination; Treatments for complications, premature birth, miscarriage | |
| Examination; Treatments for complications, premature birth, miscarriage | |
| 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 | |
| No deductible | |
| No deductible
Deductible:
The deductible or deductible refers to the amount that a policyholder pays in the event of a claim. | |
| 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. | |
| Pre-existing illnesses: There is no insurance cover for illnesses and complaints known before the conclusion of the contract as well as their foreseeable consequences, as well as the foreseeable consequences of such illnesses and accidents that were treated in the last 6 months before the start of the insurance. | |
| Pre-existing illnesses: There is no insurance cover for illnesses and complaints known before the conclusion of the contract as well as their foreseeable consequences, as well as the foreseeable consequences of such illnesses and accidents that were treated in the last 6 months before the start of the insurance. | |
| 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 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 |
| 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 |
