HomeInternational Travel Health Insurance up to 365 days
Who is entitled?
People who are temporarily staying abroad, max. age of 80 for German nationals abroad;
for foreign nationals in Germany;
for foreign nationals in foreign countries. e.g.:
travelling business people
Work& Holiday participants
High School attendants
expatriates, residents, employees
This does not include persons with a permanent residence in a country.
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What should I know?
Maximum insurance period: 365 days
Minimum insurance period: 10 days
Requirements for Schengen visa are met
Territory covered: worldwide, excluding home countries
Conclusion of contract prior to departure or as immediate follow-up cover: no waiting periods, otherwise waiting period of 7 days – except in cases of accidents
extensions prior to expiry possible via phone, fax, email or letter. Piece of advice: extensions can also be declined, it is therefore better to apply for the complete period directly
You can cancel the contract daily after the minimum insurance duration of 10 days
Suitable for follow-up coverage
AWP P&C S.A. Niederlassung für Deutschland Bahnhofstr. 16 85609 Aschheim (bei München)
Premium per day without US/Canada
Premium per day with US/Canada
Till the age of 64
Aged 65 to 80
Additional private liability and accident insurance on request 0,40 € a day
Medicines and dressings
Pain-killing dental treatment and repairs of dentures and provisional measures
max. 250 €
Transport costs to the nearest suitable hospital
Search and Rescue costs (up to 5.000,- €)
Funeral or transfer costs
Repatriation to home country
Treatment till the insured person can be transported again after the insurance protection has expired
Travel liability insurance and travel accident insurance
What restrictions on the coverage have to be considered?
The travel health insurance does not include insurance cover for*:
treatment and other medically defined measures which are the reason for travel;
treatment and other medically defined measures, the necessity of which was known to the insured person, or which under the given circumstances should have been reckoned with, before the planned start of travel or at the time the policy was concluded;
dental treatment other than analgesic treatment and repairs to dentures and provisional inlays;
massage and wellness treatment, mud packs and lymphatic drainage as well as the acquirement of artificial limbs and other aids;
treatment of alcohol or drug-related illnesses and other addictions and their consequences, including return hospital transport, as well as treatment or placement due to infirmity, the need for nursing care or custody;
delivery after the 36th week of pregnancy as well as abortions and consequences thereof;
treatment of psychiatric or mental disorders, as well as hypnotism and psychotherapy – including associated medication;
injuries suffered as a result of active participation in competitions organised by sport organisations and related training.
Restrictions: expeditions, damages that are intentionally cause by the insured person, damages caused by strikes, pandemics, nuclear energy, war or war-like situations, seizure or similar inventions by public authorities and/or force majeure – as well as damages in territories, for which the German Department of Foreign Affairs has issued a travel warning. If an insured person is at such a location at a time when a travel warning is issued, insurance cover ends 14 days after the issuance of the travel warning. This does not apply to states in which there has already been war, civil war, or in which such circumstances could be foreseen.
In Germany, medical and dental treatment as an outpatient is reimbursed at the 1.8 fold rate of the Scale of Medical Fees (GOÄ) or the Scale of Dental Fees (GOZ) at the maximum in accordance with § 2 AVB RK MR; services mainly of a medico-technical nature are reimbursed at a 1.3 fold rate at the maximum, laboratory services at a 1.15 fold rate at the maximum. The costs of inpatient hospital treatment according to § 2 No. 1 and 2 AVB RK MR are reimbursed according to the applicable regular rate of the local health insurance responsible for the locality.
Important refernces in the case of a claim of the health insurance
The benefits of the tariff are limited to acute, curative treatments of newly occurred diseases.
On stationary treatment in a hospital, before extensive ambulatory treatment or stationary diagnostic and therapeutic treatment, as well as prior to the release of a payment acknowledgment, please contact the emergency assistance centre without delay:
Together with your insurance contract you will receive treatment documents to hand over to the doctor in case of an incident. Please hand over the treatment papers before the actual treatment begins.
With outpatient treatments, the doctor will give you an invoice afterwards. Please visit always a general practitioner before consulting medical specialists.
Important The bills must include the following details: the name of the treated person, a description of the illness, details about the treatment and a list of the medical services provided and the associated costs. Prescriptions must include the following details: the prescribed medication, prices and the chemist’s official stamp.
The proceeding time for refunding the expenses will be about 2 weeks.