Glossary – Insurance terms from A to Z

In the event of inpatient treatment, you have the choice between reimbursement of costs for inpatient treatment and a daily allowance of EUR 50 per day. It is paid for a maximum of 30 days from the start of inpatient treatment. The decision must be made at the beginning of the in-patient treatment.

The date of entry refers to the day of entry into a country. For some longer-term insurance policies, the date of entry is necessary for the preparation of an offer and is requested in the booking process.

If the date of entry has not yet been fixed, e.g. because it is only determined by the embassy when a visa is issued, please contact our service hotline on 01 3177859 to take out an insurance policy.

For products with cancellation protection (travel cancellation insurance), a closing deadline of 30 days after travel booking applies. For the other insurance policies, the contract must be concluded before the start of the journey. Insurance cover always exists only after payment of the premium. Events that occurred before the payment of the premium are not insured

A deductible is the financial share that the policyholder has to bear himself in the event of a claim. The deductible is deducted per claim.

The following regulations apply to HanseMerkur Travel Insurance:

Cancellation and travel protection insurance
No deductible in the Premium plan. In the Carefree plan, 20% deductible costs are incurred for medical expenses abroad without submission to the private/social insurance.

Cancellation protection insurance
No deductible

Travel insurance
No deductible in the Premium plan. In the Carefree plan, 20% deductible costs are incurred for medical expenses abroad without submission to the private/social insurance.

Annual travel protection
No deductible

Annual cancellation and travel insurance
No excess in the Premium plan. In the Carefree plan, 20% deductible costs are incurred for medical expenses abroad without submission to the private/social insurance.

International health insurance/ International health insurance for young people
No deductible in the Premium plan. In the Carefree plan, 20% excess costs apply, unless claims have first been made to social or private insurance.

Annual international health insurance
No deductible

For further insurance and deductibles, please refer to the respective plan descriptions or insurance terms and conditions on the product detail pages.

The country of travel refers to the country in which the insured person mainly stays during the trip or stay abroad.