Example premium for individuals
Diving insurance– the comprehensive travel insurance for diving enthusiasts
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Your advantages
Diving fascinates and connects many travellers worldwide. Diving enthusiasts often don't realise that diving involves certain risks. With HanseMerkur diving insurance, you not only have an annual insurance policy in your pocket, but are also covered for any diving accidents while travelling.
For any number of trips per year
Diving accidents secured with pressurised chamber treatment
All important travel insurances in one package
24-hour travel emergency call
Tariff overview
| Travel Dive 365 | |
|---|---|
| Cancellation insurance
Cancellation insurance:
Compensation for trip cancellation, rebooking, no-show or delayed departure. | |
| Travel cancellation insurance
Trip interruption insurance:
Reimbursement of costs if you need to cancel, interrupt or extend the trip. | |
| Personal assistance
Personal assistance:
Worldwide accessible 24-hour travel emergency call provides support in urgent cases during the trip (incl. repatriation). | |
| Luggage insurance
Luggage insurance:
Replacement for damaged, lost or late baggage. | |
| International health insurance
Travel health insurance:
Contribution to the costs of medically necessary treatment for unexpected illnesses or accidents suffered by the insured person while traveling abroad. For persons resident in Switzerland and Liechtenstein who are covered by compulsory health and accident insurance. | |
| Travel legal protection insurance
Travel legal protection insurance:
Cost sharing for legal matters when travelling outside Switzerland and Liechtenstein through our partner Orion Rechtsschutz-Versicherung AG. | |
| Best price guarantee
Best price guarantee:
Reimbursement of the price difference if there is a more favourable competing offer for the planned trip. The competing offer must be exactly the same as the original offer. | |
| Ticket protection
Ticket protection:
Reimburses the ticket price of the insured leisure event up to a maximum of the sum insured. | |
| Sport disability
Sport disability:
Incapacity for sport is deemed to be due to illness or an accident if participation in a booked sporting event, which was the main reason for the trip, is not possible as a result. | |
| Diving disability
Inability to dive:
The insured person or a person at risk is unable to dive due to illness or an accident, provided that the booked trip includes at least one dive and no incapacity to dive existed when the trip was booked. | |
| Pressurised chamber treatment
Pressurised chamber treatment:
Reimbursement of the costs of medically necessary oxygen and/or pressurised chamber treatment. | |
| Extension of the risk persons for diving instructors or diving partners
Extension of the risk persons for diving instructors or diving partners:
Insurance cover is provided for the booked trip if a diving trip was booked together with this person, but the person is unable to dive due to illness or accident. | |
| Types of travel | Air, train, bus, boat journeys, travelling by car |
| Scope of application | global |
| Maximum journey duration | 365 days |
| Refund(Cancellation- & travel curtailment insurance) | depending on the travel price |
| Deductible | No deductible |
| Number of journeys | Unlimited |
| Price overview | Download PDF |
| Sample premium | CHF 279 (for individuals, trip price per year up to CHF 30'000) Calculate premium |
The most important services - at a glance
Cancellation insurance
| What's covered | |
|---|---|
| For non-commencement of the trip | |
| For non-commencement of the trip | |
| Reimbursement for the contractually required cancellation costs | |
| Reimbursement for the contractually required cancellation costs | |
| Reimbursement of additional costs in the event of partial cancellation of a co-insured | |
| Reimbursement of additional costs in the event of partial cancellation of a co-insured | |
| If the trip booking is changed | |
| If the trip booking is changed | |
| Reimbursement of the cost of changing bookings due to an insured reason | |
| Reimbursement of the cost of changing bookings due to an insured reason | |
| When changing the booking up to 42 days prior to departure, reimbursement of the cost if no insured reason is specified | |
| When changing the booking up to 42 days prior to departure, reimbursement of the cost if no insured reason is specified | up to CHF 30 per person |
| In the event of a delayed start to the journey | |
| In the event of a delayed start to the journey | |
| Reimbursement of additional travel expenses and costs for unused travel services | |
| Reimbursement of additional travel expenses and costs for unused travel services | |
| Insured reasons | |
| Insured reasons | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | |
| Immunisation intolerance | |
| Immunisation intolerance | |
| Breakage of prostheses | |
| Breakage of prostheses | |
| Loosening of implanted joints | |
| Loosening of implanted joints | |
| Pregnancy if this occurred after the insurance was taken out | |
| Pregnancy if this occurred after the insurance was taken out | |
| Chronic illness, in the event of an unexpected acute exacerbation | |
| Chronic illness, in the event of an unexpected acute exacerbation | |
| Substantial damage (from CHF 2'500) to the insured person's property | |
| Substantial damage (from CHF 2'500) to the insured person's property | |
| Re-employment after period of unemployment | |
| Re-employment after period of unemployment | |
| Change of workplace | |
| Change of workplace | |
| Cyclical short-time work | |
| Cyclical short-time work | |
| Notice of termination for operational reasons | |
| Notice of termination for operational reasons | |
| Delay of public transport of at least two hours | |
| Delay of public transport of at least two hours | |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | |
| Unexpected summons as a witness in court | |
| Unexpected summons as a witness in court | |
| Theft of passport or identity card immediately before departure | |
| Theft of passport or identity card immediately before departure | |
| Unexpected appointment for organ or tissue donation | |
| Unexpected appointment for organ or tissue donation | |
| Adoption of a minor child | |
| Adoption of a minor child | |
| Unexpected draft for military or community service | |
| Unexpected draft for military or community service | |
| Divorce suit or dissolution of the cohabitation | |
| Divorce suit or dissolution of the cohabitation | |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | |
| Pupil/student protection: - date of a repeat examination falls within the insured travel period - non-promotion of a pupil | |
| Pupil/student protection: - date of a repeat examination falls within the insured travel period - non-promotion of a pupil | |
| Sport disability | |
| Sport disability | |
| Illness, accident or death of dog, cat or horse | |
| Illness, accident or death of dog, cat or horse | |
Trip interruption insurance
| What's covered | |
|---|---|
| If you have to curtail the trip: assumption of additional return travel costs and partial reimbursement of unused travel services | |
| If you have to curtail the trip: assumption of additional return travel costs and partial reimbursement of unused travel services | |
| If you have to interrupt the trip: Additional travel costs, additional costs for the continuation of the journey and proportional costs for services not used | |
| If you have to interrupt the trip: Additional travel costs, additional costs for the continuation of the journey and proportional costs for services not used | |
| If your return trip is delayed: Reimbursement of additional travel costs | |
| If your return trip is delayed: Reimbursement of additional travel costs | |
| Insured reasons | |
| Insured reasons | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | |
| Unexpected serious illness, serious accident, pregnancy complications or death (including people close to you) | |
| Immunisation intolerance | |
| Immunisation intolerance | |
| Breakage of prostheses | |
| Breakage of prostheses | |
| Loosening of implanted joints | |
| Loosening of implanted joints | |
| Pregnancy if this occurred after the insurance was taken out | |
| Pregnancy if this occurred after the insurance was taken out | |
| Chronic illness, in the event of an unexpected acute exacerbation | |
| Chronic illness, in the event of an unexpected acute exacerbation | |
| Substantial damage (from CHF 2'500) to the insured person's property | |
| Substantial damage (from CHF 2'500) to the insured person's property | |
| Re-employment after period of unemployment | |
| Re-employment after period of unemployment | |
| Change of workplace | |
| Change of workplace | |
| Cyclical short-time work | |
| Cyclical short-time work | |
| Notice of termination for operational reasons | |
| Notice of termination for operational reasons | |
| Delay of public transport of at least two hours | |
| Delay of public transport of at least two hours | |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | |
| Inability to drive the private vehicle intended for the trip due to an accident or breakdown | |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | |
| Non-commencement of the trip due to an official travel warning (e.g. from the Federal Department of Foreign Affairs FDFA) | |
| Unexpected summons as a witness in court | |
| Unexpected summons as a witness in court | |
| Theft of passport or identity card immediately before departure | |
| Theft of passport or identity card immediately before departure | |
| Unexpected appointment for organ or tissue donation | |
| Unexpected appointment for organ or tissue donation | |
| Adoption of a minor child | |
| Adoption of a minor child | |
| Unexpected draft for military or community service | |
| Unexpected draft for military or community service | |
| Divorce suit or dissolution of the cohabitation | |
| Divorce suit or dissolution of the cohabitation | |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | |
| Disaster relief provided if the insured person is a member of the fire brigade or rescue service | |
| Sport disability | |
| Sport disability | |
| Illness, accident or death of dog, cat or horse | |
| Illness, accident or death of dog, cat or horse | |
Personal assistance
| What's covered | |
|---|---|
| Medically indicated repatriation | |
| Medically indicated repatriation | |
| Organization of the repatriation of a deceased and assumption of the repatriation costs or funeral | |
| Organization of the repatriation of a deceased and assumption of the repatriation costs or funeral | |
| Procurement and dispatch of lost medically prescribed medication | |
| Procurement and dispatch of lost medically prescribed medication | |
| Care for minor children if they have to continue the trip on their own | |
| Care for minor children if they have to continue the trip on their own | |
| Hotel costs for other insured persons if an insured person travels home delayed due to inpatient treatment | |
| Hotel costs for other insured persons if an insured person travels home delayed due to inpatient treatment | |
| Baggage collection | |
| Baggage collection | up to CHF 2'500 |
| Search, rescue and recovery costs | |
| Search, rescue and recovery costs | up to CHF 30'000 |
| Help with loss of credit and loyalty cards, travel documents and mobile phones | |
| Help with loss of credit and loyalty cards, travel documents and mobile phones | |
| Repair costs and assistance in the event of a bicycle breakdown or accident | |
| Repair costs and assistance in the event of a bicycle breakdown or accident | up to CHF 75 |
| SOS message for travellers (if the insured cannot be reached) | |
| SOS message for travellers (if the insured cannot be reached) | |
| Provision of craftsmen in the event of damage at home | |
| Provision of craftsmen in the event of damage at home | |
Luggage insurance
| What's covered | Travel | Travel Premium |
|---|---|---|
| Maximum sum insured | ||
| Maximum sum insured | CHF 1'000 for individuals / CHF 2‘000 for families | CHF 2‘000 for individuals / CHF 4‘000 for families |
| Current value of objects carried if they are lost, damaged or destroyed, e.g. by robbery, traffic accidents or fires | ||
| Current value of objects carried if they are lost, damaged or destroyed, e.g. by robbery, traffic accidents or fires | ||
| Loss, damage or late delivery by a transport company | ||
| Loss, damage or late delivery by a transport company | ||
| Damage to luggage given in foreign custody | ||
| Damage to luggage given in foreign custody | ||
| Costs for necessary replacement purchases if luggage is not delivered on the same day | ||
| Costs for necessary replacement purchases if luggage is not delivered on the same day | CHF 250 for individuals / CHF 500 for families | CHF 250 for individuals / CHF 500 for families |
| Replacement of ID cards and visas | ||
| Replacement of ID cards and visas | CHF 200 | CHF 200 |
Ticket protection
| What's covered | |
|---|---|
| Reimburses the ticket price of the insured leisure event up to a maximum of the sum insured. | |
| Reimburses the ticket price of the insured leisure event up to a maximum of the sum insured. | |
| Maximum sum insured | |
| Maximum sum insured | CHF 1000 |
| Insured events | |
| Insured events | |
| Unexpected serious illness, serious accident, pregnancy complications or death | |
| Unexpected serious illness, serious accident, pregnancy complications or death | |
| Vaccine intolerance (also COVID-19) | |
| Vaccine intolerance (also COVID-19) | |
| Breakage of prostheses | |
| Breakage of prostheses | |
| Loosened implanted joints | |
| Loosened implanted joints | |
| Pregnancy | |
| Pregnancy | |
| Damage to property (amount of damage at least CHF 2'500) | |
| Damage to property (amount of damage at least CHF 2'500) | |
| Delays to public transport of at least two hours | |
| Delays to public transport of at least two hours | |
| Change of workplace | |
| Change of workplace | |
| Loss of employment as a result of termination by the employer | |
| Loss of employment as a result of termination by the employer | |
| Inability to drive the private vehicle due to accident or breakdown | |
| Inability to drive the private vehicle due to accident or breakdown | |
| Unexpected summons as a witness in court | |
| Unexpected summons as a witness in court | |
| Unexpected appointment for organ or tissue donation | |
| Unexpected appointment for organ or tissue donation | |
| Adoption of a minor child | |
| Adoption of a minor child | |
| Unexpected call-up for military or civilian service | |
| Unexpected call-up for military or civilian service | |
| Repeating a failed examination at a school, university, university of applied sciences or college | |
| Repeating a failed examination at a school, university, university of applied sciences or college | |
Best price guarantee
| What's covered | |
|---|---|
| Receive the price difference between the travel price and the competitor's offer after your return. | |
| Receive the price difference between the travel price and the competitor's offer after your return. | |
| Compensation will be paid if a cheaper competing offer is available for the planned trip (within 7 days of booking the trip). The competing offer must be exactly the same as the original offer (without discounts). | |
| Compensation will be paid if a cheaper competing offer is available for the planned trip (within 7 days of booking the trip). The competing offer must be exactly the same as the original offer (without discounts). | |
| Maximum sum insured | |
| Maximum sum insured | 20 % of the insured travel price |
Questions and answers
Are there special tariffs for families and young people?
Special conditions available
For families, we offer an attractive premium of CHF 459. A family is defined as one or two adults and any accompanying children up to their 26th birthday, regardless of their relationship or place of residence, but no more than seven people in total. At least two persons must be insured per family tariff.
When does the insurance cover in the annual insurance begin and end?
One year term with automatic renewal
The insurance cover of the cancellation insurance begins when the insurance policy is sent. The term of one year is automatically extended for another year. However, the insurance can be terminated early with a notice period of 30 days.
How do I contact HanseMerkur International in an emergency?
Emergency hotline service
Our Swiss emergency call centre is available 24 hours a day, 365 days a year to support you in the event of an emergency during your trip. The experts provide you with advice on aspects such as choosing doctors or hospitals, or can organise repatriation. If an emergency happens during your trip, call: +41 43 550 21 21
Did you know? Important facts about diving insurance
The diving insurance
All-round worry-free package
The advantages of diving insurance
Treatment for diving accidents can be very expensive, which is why many diving centres require proof of cover in the event of a claim. As a rule, treatment for diving accidents (e.g. decompression illnesses) in pressurised chambers is excluded from standard insurance conditions. However, with the Dive 365 annual insurance specially developed for divers, you are not only covered for diving accidents, but also benefit from an all-round carefree package for your trips. In addition, incapacity to dive is an insured reason for cancelling or interrupting your trip. Your diving equipment is also covered with an insured sum of up to CHF 3000.
Guaranteed safe holidays: Diving insurance in an all-round carefree package
With cancellation insurance, you can avoid high expenses in the event of an unexpected trip cancellation before departure. A mishap while travelling can also quickly become expensive. This is because medical services abroad are very expensive - especially in high-price countries such as the USA, Canada, Japan or Australia. Damaged luggage or a legal dispute can also leave a deep mark on your travel budget. Our tip: save money with our affordable annual travel insurance. It offers cover for any number of trips per year and also applies to business trips. In addition, booked leisure events and tickets are covered by ticket protection.
