Travel health insurance up to 5 years
Are you considering a longer stay abroad for professional or private reasons? Do you support a project in an international environment? You want to expand your horizon abroad?
No matter how long you stay at a foreign university or on holiday in Germany - here you will find affordable travel health insurance for stays abroad of up to 5 years. Depending on your income and needs, you can choose between BASIC or PROFI tariffs. In addition, you can take out travel health insurance in combination with travel accident and liability insurance.
Foreign guests who do not come from European countries or Schengen countries need a valid health insurance for entry to Germany, for issuing a visa.Therefore, guests from abroad must have taken out an incoming health insurance during a visit to Germany in order to be protected against high costs in the event of an accident or illness. It is irrelevant whether it is a private or business stay. Advigon/HanseMerkur offers international health insurance for foreign guests with a travel duration of up to 5 years.Although foreign health insurance is not required by law for visitors from abroad who are not required to have a visa, it is still recommended. For example, a medically necessary or sensible return transport to your home country is not covered by any insurance without travel health insurance. The cost of this, however, quickly amounts to a 5-digit amount - depending on the home country.
Terms and conditions for foreign guests up to 5 years travel duration
Daily premiums for health insurance abroad
| entry age | Travel health insurance Tariff BASIC | Travel health insurance Tariff PROFI |
|---|---|---|
| Persons up to 64 years | 2,40 € | 3,40 € |
| Persons from 65 up to 74 years | 8,60 € | 12,70 € |
Persons up to their 75th birthday who are only temporarily residing in Germany are eligible for insurance.
Additional package non-life insurance / daily premiums
| entry age | Incoming Tariff BASIC (Travel accident-, travel liability- and emergency insurance) | Incoming Tariff PROFI (Travel accident-, travel liability-, emergency- and luggage insurance) |
|---|---|---|
| Persons up to 64 years | 0,27 € | 0,60 € |
| Persons from 65 up to 74 years | 0,30 € | 0,70 € |
Minimum premium in the BASIC tariff: 5 euros
Minimum premium in the PROFI tariff: 10 euros
Book travel health insurance and property insurance for foreign guests online
Important notice:
- Travel health insurance and travel accident and liability insurance are legally independent contracts.
- Applications must be submitted within 31 days after entry into Germany, the countries of the European Union as well as Switzerland and Liechtenstein and end at the time specified in the insurance policy, at the latest after 5 years.
- The insurance cover must be taken out for the entire duration of the stay.
- The insurance cover for each insurance policy begins at the time specified in the insurance policy, but not before entry into the country and at the earliest on the day after receipt of the application by Advigon/HanseMerkur.
- The precondition for insurance cover is the collection of premiums in accordance with the contract.
- Insurance cover is also guaranteed in the event of premium payment after commencement of insurance.
- Insurance can be taken out until the 75th birthday.
- Extensions within the maximum insurance period are possible after approval by Advigon/HanseMerkur.
- The maximum insurance period is 5 years.
- If the date of entry has not yet been fixed, e. g. when applying for a visa, the planned date of entry or departure must be indicated and the actual date of entry or departure must then be documented in writing within 31 days after entry of Advigon/HanseMerkur.
- The contract can be terminated prematurely on application at the end of the month in which the stay ends; the excess premium collected is reimbursed.
- Separate insurance policies are drawn up by Advigon/HanseMerkur.
- Deductible per insured event: 25 Euro
Benefits of the foreign health insurance in detail
| Foreign health insurance Tariff VB-KV 2008 (AGL) | BASIC | PROFI |
|---|---|---|
| outpatient medical treatment costs according to the scale of fees for doctors* | ||
| -in accordance with No. 437 and section M (laboratory services) to | 1,15-fold | 1,15-fold |
| - in accordance with sections A, E and O (technical operations) to | 1,8-fold | 1,8-fold |
| - in all other cases until | 2,3-fold | 2,3-fold |
| treatments outside Germany will be reimbursed within the framework of local rates | ||
| medically prescribed drugs and bandages | 100 % | 100 % |
medically prescribed massages, medical packs and inhalations per year up to | 300 € | 100 % |
medically prescribed aids as a result of an accident | 100 % | 100 % |
medically prescribed aids (not due to an accident) per year until | - | 500 € |
| dental treatment costs according to the scale of fees for dentists up to* | 2,3-fold | 2,3-fold |
pain-relieving dental treatment/restoration of the function of dental prostheses per year until | 600 € | 1.000 € |
| dentures - 80%, per year max. | - | 1.250 € |
| pregnancy check-ups and treatments | 100 % | 100 % |
| childbirth - after 8 months waiting period | 100 % | 100 % |
in-patient treatment costs in a shared room | 100 % | 100 % |
patient transport costs for inpatient treatment | 100 % | 100 % |
transfer and funeral costs up to | 10.000 € | 10.000 € |
| vision aids per year up to | - | 200 € |
preventive check-ups per year until | - | 300 € |
deductible per insured event | 25 € | 25 € |
* Treatments outside Germany will be reimbursed at local rates.
The contents of the insurance conditions VK-KV 2008 (AGL)