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HanseMerkur bis ein Jahr: the policy wording in full
Auslandskrankenversicherung für Aufenthalte bis ein Jahr ohne Selbstbehalt, mit medizinisch sinnvollem Rücktransport, Krankenbesuch, Arzneimittelversand und wahlweisem Krankenhaustagegeld von 50 Euro; ausgewertet ist das Produktinformationsblatt.
German market: tariffs for people living in Germany.
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Everything about this policy
What the policy covers: 66 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for HanseMerkur bis ein Jahr.
Basics and territorial scope
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Benefit limit per claim (unlimited or fixed maximum) | as stated in the policy schedule | „Wir erstatten die Kosten von Erkrankungen und Unfällen, die innerhalb der versicherten …“ | Umfang, page 1 |
| Worldwide cover (excluding country of residence) | yes | „Der Versicherungsschutz besteht weltweit im Ausland.“ | Leistungsübersicht, page 2 |
| USA and Canada included without surcharge or special rule | yes | „Der Versicherungsschutz besteht weltweit im Ausland.“ | Leistungsübersicht, page 2 |
| Cover also within the home country away from the place of residence (common in Spain) | not addressed | ||
| Maximum duration per trip (days or weeks) | yes | „Auslandsreise-Krankenversicherung für Aufenthalte bis zu 1 Jahr“ | Titel, page 1 |
| Annual contract for any number of trips in the insurance year | not addressed | ||
| Long stays over one year insurable (work and travel, study, emigration) | no | „Auslandsreise-Krankenversicherung für Aufenthalte bis zu 1 Jahr“ | Titel, page 1 |
| Maximum entry age or age limit for cover | not addressed | ||
| Residence in the home country required (Germany, Austria, Spain) | yes | „Versicherungsfähig sind Personen mit Wohnsitz in der Bundesrepublik Deutschland.“ | Leistungsübersicht, page 2 |
| Purchase possible after departure | not addressed | ||
| Cover continues beyond the maximum duration if unfit to travel | yes | „Nachleistungen im Ausland bis zur Wiederherstellung der Transportfähigkeit“ | Leistungsübersicht, page 2 |
| Family tariff (partner and children in one contract) | not addressed |
Medical treatment and hospital
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Outpatient medical treatment | yes, up to the sum insured | „ambulante Heilbehandlung beim Arzt“ | Leistungsübersicht, page 2 |
| Inpatient hospital treatment | yes, up to the sum insured | „stationäre Behandlung im Krankenhaus“ | Leistungsübersicht, page 2 |
| Free choice of hospital and doctor at destination | not addressed | ||
| Private doctor or senior physician, single room | not addressed | ||
| Prescribed medicines and dressings | yes, up to the sum insured | „ärztlich verordnete Medikamente und Verbandmittel“ | Leistungsübersicht, page 2 |
| Medical aids after accident or illness (crutches, bandages, splints) | yes, up to the sum insured | „ärztlich verordnete Hilfsmittel infolge eines Unfalles“ | Leistungsübersicht, page 2 |
| Therapeutic remedies such as massage, physiotherapy, radiation | yes, up to the sum insured | „ärztlich verordnete Massagen, Packungen, Inhalationen und Krankengymnastik“ | Leistungsübersicht, page 2 |
| Pain relieving dental treatment | yes, up to the sum insured | „schmerzstillende konservierende Zahnbehandlung“ | Leistungsübersicht, page 2 |
| Simple dental fillings | yes, up to the sum insured | „Zahnfüllungen in einfacher Ausführung“ | Leistungsübersicht, page 2 |
| Repair of dentures and temporary dental work | yes, up to the sum insured | „Reparaturen von vorhandenem Zahnersatz“ | Leistungsübersicht, page 2 |
| Treatment of pregnancy complications and premature birth | yes, up to EUR 50,000 | „Versicherungsleistungen für Frühgeburten (bis 50.000,- EUR)“ | Leistungsübersicht, page 2 |
| Acute unexpected worsening of a pre-existing condition covered | not addressed | ||
| Acute mental illness (initial care, inpatient) | not addressed | ||
| Transport to the nearest doctor or hospital | yes, up to the sum insured | „Krankentransporte“ | Leistungsübersicht, page 2 |
| Accommodation of a parent when a child is hospitalised | yes, up to the sum insured | „Begleitperson im Krankenhaus für Kinder bis zum vollendeten 18. Lebensjahr“ | Leistungsübersicht, page 2 |
| Daily hospital allowance in lieu of costs | yes, up to EUR 50 | „Ersatzweise Krankenhaustagegeld max. 30 Tage, pro Tag 50,- EUR“ | Leistungsübersicht, page 2 |
Repatriation and assistance
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Repatriation as soon as medically sensible and justifiable | yes, up to the sum insured | „Medizinisch sinnvoller Krankenrücktransport“ | Leistungsübersicht, page 2 |
| Repatriation only if medically necessary | none | „Medizinisch sinnvoller Krankenrücktransport“ | Leistungsübersicht, page 2 |
| Cost limit for repatriation | none | „Medizinisch sinnvoller Krankenrücktransport“ | Leistungsübersicht, page 2 |
| Search, rescue and recovery costs | not addressed | ||
| Repatriation of mortal remains | yes, up to the sum insured | „Überführungskosten“ | Leistungsübersicht, page 2 |
| Burial at the place of death abroad | yes, up to the sum insured | „Bestattungskosten im Ausland“ | Leistungsübersicht, page 2 |
| 24 hour emergency hotline | yes | „Telefonkosten bei Kontaktaufnahme mit der Notrufzentrale (25,- EUR)“ | Leistungsübersicht, page 2 |
| Cost guarantee to the hospital (direct billing) | not addressed | ||
| Visit of a close person during a longer hospital stay | yes, up to the sum insured | „Krankenbesuch“ | Leistungsübersicht, page 2 |
| Return of accompanying minor children | yes, up to the sum insured | „Reisebetreuung für Kinder bis zum vollendeten 18. Lebensjahr“ | Leistungsübersicht, page 2 |
| Additional return travel costs after illness (replacement ticket) | not addressed | ||
| Shipping of medicines to the destination | yes, up to the sum insured | „Arzneimittelversand“ | Leistungsübersicht, page 2 |
| Interpreter and translation costs | not addressed |
Exclusions and restrictions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion: treatment as the purpose of the trip | not addressed | ||
| Exclusion: treatment known or foreseeable at departure | not addressed | ||
| Passive war risk and terrorism covered (sudden outbreak) | not addressed | ||
| Illness during an epidemic or pandemic covered | not addressed | ||
| Exclusion or reduction if a government travel warning exists | not addressed | ||
| Exclusion of dangerous or extreme sports | not addressed | ||
| Exclusion of motor sport and races | not addressed | ||
| Exclusion under the influence of alcohol or drugs | not addressed | ||
| Exclusion of spa, sanatorium and rehabilitation | not addressed | ||
| Exclusion for long term care or custodial care | not addressed | ||
| Exclusion of intentionally caused illness and accidents | yes | „Für die auf Vorsatz beruhenden Krankheiten und Unfälle sowie Behandlungen infolge von …“ | Ausschlüsse, page 1 |
Deductible and benefit rules
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim or trip | none | „kein Selbstbehalt“ | Leistungsübersicht, page 2 |
| Subsidiary to statutory health insurance or other contracts | not addressed | ||
| Waiting period after purchase | not addressed | ||
| Obligation to notify before hospital admission, otherwise reduction | not addressed | ||
| Benefits only through the assistance company (no reimbursement of self paid costs) | not addressed | ||
| Deadline for submitting receipts | not addressed | ||
| Receipts in foreign languages accepted without certified translation | not addressed | ||
| Continued cover beyond contract end during a hospital stay | not addressed |
Contract and term
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Tacit renewal of the annual contract | no | „Soweit Sie eine Einmalversicherung abgeschlossen haben, endet Ihr Vertrag zum …“ | Vertragsdauer, page 1 |
| Premium refund on early return (long stay) | not addressed | ||
| Contract extension possible while abroad | not addressed | ||
| Premium changes with age bands | not addressed | ||
| Insurer may cancel after a claim | not addressed | ||
| Meets Schengen visa requirements (at least 30,000 euros, no deductible) | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- HanseMerkur Krankenversicherung AG, HanseMerkur Krankenversicherung auf Gegenseitigkeit, HanseMerkur Speziale Krankenversicherung AG
- Distribution
- brokers and direct
- Produktinformationsblatt Auslandsreise-Krankenversicherung bis 1 Jahr Edition: Mai 2016 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German. It is printed on the German page for HanseMerkur bis ein Jahr and available as plain text.
Volltext HanseMerkur bis ein Jahr · As text (Markdown) HanseMerkur bis ein Jahr