Insurance

Please take note that considerable costs can arise for you in the case of travel cancellation or travel interruption. We therefore urgently recommend you to take out travel insurance.

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Exclusions concerning travel cancellation/travel interruption

No insurance protection exists inter alia, if the reason for travel cancellation or travel interruption

1. Had already been present or was to be foreseen
2. Is associated with an existing illness or result of an accident of the insured person or a person at risk (e.g. family member), if a) they have been treated as an outpatient in the last 6 months or b) have been given hospital treatment in the last 9 months before insurance was acquired (at travel cancellation) or before journey commencement (at travel interruption). This excludes control examinations.


Complete +Protection
+The second reason for exclusion mentioned above does not apply.


Exclusions medical services
No insurance protection exists inter alia for

1. Treatments that were planned before journey commencement or were to be expected to arise on a scheduled travel process;
2. Costs associated with an existing illness or result of an accident if these a) have been given outpatient care in the last 6 months or b) treated in a hospital in the last 9 months before journey commencement (this excludes control examinations).


An existing illness or result of an accident is insured, if this medicinally and unexpectedly becomes acute and is not excluded from the above mentioned reasons for insurance protection.  In this case the costs will be refunded in total up to the agreed insurance amount for existing illnesses.


Complete +Protection
+ The third reason for exclusion mentioned above does not apply.
+ Increased insurance amount if an existing illness unexpectedly becomes acute.