Travel Insurance

1 TRAVEL CANCELLATION INSURANCE

If you need to cancel the trip for an insured reason or travel at a later date, we will reimburse you either for the cancellation costs due under the terms of the policy, or for additional outbound travel costs. Insured reasons include, for example:

• injury caused by an accident
• unexpected and serious illness
• death
• loss of employment
• commencement of employment
• pregnancy, complications during the pregnancy
• short-time work

Deductible: The deductible shall be equal to 20% of the recoverable loss, but subject to a minimum of €25 per insured person.

2 HOLIDAY GUARANTEE (TRAVEL CURTAILMENT INSURANCE)

Covers the additional return travel costs in the event of early or delayed return travel and in the event of travel interruption within the first half (max. within the first 8 travel days) of the trip the full or pro rata travel cost accordingly, and reimburses you the unused travel services in the event of a delay in departure.

Insured reasons include, for example:

• injury caused by an accident
• unexpected serious illness, death
• significant damage to property
• public transport delay
• natural disasters and natural events at the holiday destination

(See travel cancellation insurance for the deductible)

3 TRAVEL HEALTH INSURANCE

Assistance and reimbursement of costs for:

• out-patient treatment provided by a doctor
• in-patient medical treatment in a hospital
• drugs and surgical dressings and aids prescribed by a doctor
• transport to the nearest doctor/hospital and return to the accommodation
• medically reasonable and appropriate return transportation
• complications of pregnancy, premature delivery
• delivery of medication
• retrieval of luggage
• repatriation of mortal remains and burial abroad
• a visit to the insured person during a stay in hospital if the stay lasts longer than five days

No deductible. With regard to trips into regions bordering with Germany, insurance cover for short stays abroad lasting no longer than 48 hours is provided as part of the travel health insurance for medically necessary out-patient or in-patient treatment.

4 LUGGAGE INSURANCE

Reimburses the costs for necessary replacement purchases up to a maximum of €500 if the luggage is not returned within one day by the carrier. Sum insured per person: € 2,000. No deductible.