Glossary – Insurance terms from A to Z
Letter P
In the event of return transport from abroad to the home country, a distinction is made between medically necessary repatriation ordered by a doctor and medically expedient repatriation.
Medically necessary return transport is, for example, when the patient cannot be treated appropriately abroad. The return transport can take place as soon as the patient is fit for transport. The decision on this is made by the doctors of the emergency service.
You can choose between bank debit or SEPA direct debit, credit card payment (Visa, Mastercard, American Express and Diners Club International) and Paypal.
In the case of a one-off payment, the amounts are collected immediately when the insurance is booked; in the case of annual insurance, they are also collected immediately when the first direct debit is made, and in the case of any subsequent premiums, they are collected in each case on the next due date resulting from the respective start of the insurance.
In the travel cancellation and travel protection insurance policy, persons other than the insured person himself/herself are also covered by the insurance. If they are affected by an insured event, there is cancellation or curtailment cover for the insured person.
The persons covered under this insurance are:
- People who have booked a trip together with you*
- Your relatives and the relatives of your spouse or cohabiting partner (spouse, cohabiting partner, children, adopted children, stepchildren, foster children, parents, adoptive parents, stepparents, foster parents, grandparents, parents-in-law, siblings, grandchildren, children-in-law and brothers-in-law, aunts, uncles, nephews and nieces)
- Persons looking after minors who are not travelling with you or your relatives in need of care
- Accompanying persons on group trips, e.g. trips with teachers, parents, skippers (if agreed separately)
* Does not apply if more than 6 people or 2 families book a trip together. In this case, only the relatives of the insured person and their caregivers are considered risk persons, and no longer the insured persons among themselves.
Travel insurance is priced differently depending on either the risk (e.g. the price of the trip, the duration of the trip, the scope of coverage or the services included) or the travellers (e.g. individual, group or family). These different classifications within a travel insurance policy are known as tariffs (or plans).
The plan description is part of the the insurance terms and conditions regulate the contractual rights and obligations and the scope of the insurance cover.
In some cases, HanseMerkur combines several travel insurance policies in the general insurance terms and conditions. In this case, additional plan descriptions are prepared for the individual insurance policies in which the benefits are described in detail.
The policyholder is the person who concludes the contract with HanseMerkur. The policyholder can also be the insured person at the same time (but does not have to be). The insured person is the person to whom the agreed insurance cover applies. For example, travel insurance can be taken out by a wife (policyholder) for her husband or for her children (insured persons). Or a tour guide (policyholder) takes out travel insurance for a tour group (insured persons).
Any insurance policy that includes travel cancellation insurance must be concluded within three working days (Monday to Saturday) of booking the trip. If taken out at a later date, insurance cover is only in place under travel cancellation insurance for events that take place from the tenth day after insurance is taken out (‘qualifying period’). Insurance cover only starts once the premium has been paid. Please note that insurance can be taken out within 30 days of booking travel, but no later.
Public means of transport are all air, land or water vehicles licensed for public passenger transport within Austria. Means of transport operating as part of round trips/round flights are not considered to be public or connecting transport. Furthermore, rental cars, taxis and cruise ships are not public transport.