Glossar – Insurance terms from A to Z

Medical expense insurance is one of the most important types of travel insurance. It protects you in the event you are involved in an accident or fall ill unexpectedly during your trip. This means that you can relax in the knowledge that you are well protected during your holiday, too. Medical treatment can be a very expensive matter in other countries. As a result, HanseMerkur’s medical expense insurance offers assistance and the assumption of costs for:

• Inpatient hospital treatment, including operations that cannot be delayed
• Outpatient medical treatment
• Pain-relieving restorative dentistry including simple fillings, repairs of existing dentures and dental prostheses as well as temporary dentures and dental prostheses provided in connection with accidents
• Medical treatment of pregnancy complications, termination of pregnancy for medical reasons and miscarriage and premature birth up to and including the 36th week of pregnancy
• Necessary medical treatment for the newborn child in the case of premature birth up to and including the 36th
• Medicinal products, remedies and bandages
• Treatment by state-accredited chiropractors
• Prescribed aids as a result of an accident
• Radiation, light and other physical treatments
• Costs for the accommodation of an accompanying person at the hospital if a co-insured child up to and including the age of 13 is treated as an inpatient
• If the return trip is not possible due to a proven inability to be transported, the insurance will cover the costs of medical treatment beyond the end of the insurance period up to the day of transportability.
• The cover is subsidiary to the existing cover under the compulsory health insurance