Glossary – Insurance terms from A to Z

HanseMerkur offers particularly favourable rates for families for many travel insurance policies. Different family definitions apply to the various insurance policies. A family plan can be taken out for 2 persons or more. 

Family definition for cancellation protection, travel protection and the cancellation & travel protection packages:

A maximum of 2 adults and accompanying children up to the age of 21 (20.99 years) are deemed to be a family, irrespective of the relationship – up to 7 persons in total. 

Two adults without children can also take out the family plan.

Family definition for the annual travel protection, the annual cancellation & travel protection and the annual international health insurance: 

If a family insurance policy is taken out, a maximum of 2 adults and children up to the age of 25 (24.99 years) count as a family – a total of up to 7 persons apply regardless of the degree of relationship. 

Two adults without children can also take out the family plan.

For insured family members travelling alone, the sum insured under the cancellation and luggage insurance policies is halved.

A family insurance policy is a travel insurance policy with its own family plan. As a family-friendly company, HanseMerkur offers special rates with favourable conditions for families. There are particularly favourable offers for the following insurance:

Travel protection insurance – Carefree or Premium

Cancellation protection insurance – Carefree or Premium

A flight cancellation due to severe weather is not insured.