The scope of cover indicates the countries in which travel insurance applies. The insurance only provides the described travel cover in the countries specified in the scope of validity.
We guarantee the highest level of security in handling your data when you take out HanseMerkur travel insurance within our booking section.
What is SSL?
SSL (abbreviation for "Secure Socket Layer") is a generally recognised encryption protocol for data transmission on the Internet. SSL ensures that your data is sent over the internet in encrypted form and is protected from unwanted access and manipulation.
The insurance start date is not the same as the booking or closing date. The protection provided by the insurance policy applies from the start of the insurance. Insurance cover commences on the date documented in the insurance confirmation (provided the insurance premium has been paid). It also depends on the type of insurance:
A stay abroad refers to a stay outside one's home country – regardless of the duration. However, this is usually understood to mean a longer-term stay, e.g. for a school exchange, a study or internship abroad, but also for a temporary professional activity abroad.
During a stay abroad, you are not protected by the statutory health insurance for all situations and not everywhere. It is, therefore, advisable to have international health insurance abroad, which can also be supplemented with accident and liability insurance, for example:
The sum insured is the maximum amount that the insurance company pays out to the insured person in the event of a claim. In principle, the insurance company shall pay the amount of actual damage suffered in the event of a claim. However, if a sum insured has been agreed, it shall pay no more than this amount. The sum insured is also known as the sum covered. Without this limit, insurance premiums would rise immeasurably.
HanseMerkur Travel Insurance sets insurance sums for travel cancellation and interruption insurance (€ 10,000), travel liability, travel accident, travel luggage and emergency insurance, for example.
Users that live in Switzerland are rectricted to book travel insurances on our Austrian website. Please visit our Swiss website where you get appropriate information and book travel insurances online.