Best European Driving Tours

European Travel Medical Insurance Packages includes:

1. Medical Insurance for Travel and Emergency Assistance Insurance

2. Personal Travel Accident Insurance

3. Personal Travel Liability Insurance  

and you can get this package travel insurance for Europe trip at these rates:

 

European Travel Insurance Package

Stay in Europe 1 to 45 days

1 day up to max 1 year

Including a deductible of Euro 100,- per case for the Medical Insurance

and Euro 150,- per case for the Liability insurance

Per person and day up to 64 years Euro 2,90 Euro 3,20
Per person and day from 65 years Euro 6,40 Euro 7,40
Without a deductible for all insurances
Per person and day up to 64 years Euro 3,70 Euro 4,30
Per person and day from 65 years Euro 8,30 Euro 9,80




1. Medical Travel Insurance - Questions & Answers

1. What is insured?

As a visitor from abroad, you have insurance cover during your temporary stay in the host countries (All European Union countries as well as Iceland, Liechtenstein, Norway, Switzerland are deemed to be the host country. The host country is not the country in which you have your permanent place of residence)

You became ill during your stay or have had an accident? 

Then we will pay the costs for:

A) The medical treatment in the host country.
B) Return transport of the patient and luggage.
C) The burial in the host country or repatriation.

You get into a medical emergency during your stay?
Then we will provide assistance with our 24-hour Emergency Hotline.

Notwithstanding section 8.1 of the General Terms and Conditions, the Incoming Medical Insurance for Visitors from Abroad also covers pandemics. This does not apply if the Foreign Office of the Federal Republic of Germany had already issued a travel warning for the destination (host country) at the time of entry.

2. What medical treatment do we pay for in the host country?

2.1 Medical treatment costs and medicines:
Medically necessary treatment, which is performed or prescribed by doctors, is insured. The medical treatment and medicine must be recognized by conventional medicine. Alternative treatments are covered by the insurance if no conventional methods or medicines are available.

2.2 We will pay the costs for:
A) In-patient treatment in the hospital including operations.
B) Outpatient treatment.
C) Drugs, medicines and bandages.
D) Medical treatment of pregnancy complications.
E) Termination of pregnancy on medical grounds.
F) Premature births up to and including the 36th week of pregnancy.
G) Miscarriages up to and including the 36th week of pregnancy.
H) In the event of a premature birth up to and including the 36th week of pregnancy: the costs of medical treatment for your newborn child.
I) Pain-relieving dental treatment including basic dental fillings.
J) Repair of existing dentures and existing dental prostheses.
K) Temporary dentures or temporary dental prostheses after an accident.
L) Pacemakers and prostheses: If they become necessary for the first time during the stay and are required to ensure that you can be transported.
M) Aids, which become necessary for the first time during the stay, e. g. Zimmer frames, rental of a wheelchair.

2.3 Does a treatment or another measure exceed what is medically necessary? We can then reduce our payment to a reasonable amount. The fees and charges invoiced may not exceed the amount, which is generally deemed to be customary and reasonable in the relevant country. Otherwise, we can reduce the reimbursement to the standard rates applicable in the country.

2.4 Telephone costs: You have to contact our Emergency Hotline? We will reimburse the telephone costs up to € 25 for each insured event.

2.5 We will reimburse the treatment costs in Germany in accordance with the rates and amount specified in the German Medical Fee Schedule for Physicians (GOÄ) or Dentists (GOZ). Please note, we do not recognize fee agreements.

3. You would like psychological help?

If you get into an emergency and need psychological assistance, we will provide an initial counselling by telephone.

4. When do we pay the hospital daily benefit?

You do not want us to pay the in-patient medical treatment costs? You will then get a hospital daily benefit of € 50 per day. We will pay this amount for a maximum of 30 days from the start of the in-patient treatment. You have to inform us of your choice at the beginning of the treatment.

5. A child has to be treated as an in-patient?

Does an under-age child travelling on the trip have to be treated as an in-patient? We will then pay the costs for the accommodation of a person to accompany the child while she / he is in hospital. 

6. Are you still not able to be transported at the end of your trip?

We will then pay the costs of treatment until the day on which you can be moved.

7. What do we pay for in the case of the return transport of the patient and ambulance service?

7.1 We will organise and assume the costs for your return transport with medically adequate means of transport from the
host country if it is medically reasonable and justifiable. We will bring you back to your place of residence in your home country or to the nearest suitable hospital in your place of residence in your home country.

7.2 We will bring your luggage back from the host country to your place of residence in your home country if a return transport was organised for you.

7.3 We will refund the costs for your medically required ambulance service in a suitable hospital in the host country:

A) For in-patient treatment.

B) For initial outpatient treatment in a suitable hospital.

8. What do we reimburse in the case of death?

8.1 At the request of your relatives, we will organise your repatriation. Repatriation will be to your last place of residence in your home country prior to the gstart of the trip. We will pay the costs for the repatriation.

8.2 Alternatively, we will organise the burial in the host country. We will pay the burial costs up to the amount of the repatriation costs.

8.3 We will bring your luggage back to your last place of residence in you home country prior to the start of the trip.

9. You would like advice on medical care or medicines?

9.1 You have questions before or during your stay with regard to medical care in the host country? We will inform you about the options available for medical care. If it is possible, we will give you the name of an English-speaking doctor.

9.2 We will give you advice on:

A) Medicines, which are necessary during the stay.

B) Substitute medicinal products if medicines, which you require during your stay, are lost.

10. How do we help in the case of hospitalisation in the host country?

10.1 A doctor, who has been appointed by us, will establish contact with the hospital doctors giving treatment. If it is necessary, we will consult your GP. We ensure that information is passed on between the doctors involved. If you wish, we will inform your relatives.

10.2 You are expected to stay in hospital for more than five days? Then we will organise the journey of a person close to you to the hospital and then back to his / her place of residence. We will pay the costs for the journey there and back.

10.3 We will give the hospital in which you are being treated a guarantee to pay costs up to € 15,000. We will settle the charges with the hospital. If the costs are not covered by the insurance, any costs borne by us must be paid back to us within one month after invoicing. If the costs are covered by the insurance, we will increase the cost payment guarantee if required.

11. Can children or persons in need of care, who are accompanying you, no longer be cared for?

You can no longer care for under-age children or persons in need of care during your stay due to illness, injury resulting from an accident or death?

We will then organise the return journey for the children or the persons in need of care from the host country to the place of residence in the home country and will pay the additional costs of the return journey. Alternatively, we will organise the journey of a person close to you to the holiday resort and back to your place of residence. We will pay the costs for the journey there and back.

12. Are search, rescue and recovery costs insured?

You have an accident and therefore you are in need of a search, rescue or recovery operation? We will then pay the costs for this up to € 10,000.

13. What is not insured?

The following is not insured:

A) Medical treatment, which was a reason for your stay in the host country.
B) Medical treatment, where you were already aware before the start of your stay in the ghost country that it would have to be carried out during your trip, e.g. dialysis. However, there is insurance cover if you had to go on the trip because of the death of your spouse, your civil partner or an immediate relative.
C) Medical treatment of illnesses, which already existed and were known at the start of the stay in the host countries.
D) Purchase and repair of visual and hearing aids.
E) Illnesses and injuries, which occur as a result of a deliberate act, and their consequences.
F) Treatment of alcoholism, drug-related diseases and other addictions including withdrawal treatments and cures.
G) Convalescence cure, sanatorium and wellness treatments, acupuncture, fango, massages.
H) Need for care or safekeeping.
I) Psychoanalytical and psychotherapeutic treatment and hypnosis.
J) Optional benefits, e.g. single room or treatment by a chief physician.
K) Treatments by spouses or civil partners, parents or children. Documented material costs will be paid in accordance with the tariff.
L) Medical treatment due to attempted suicide and the consequences arising from it. As well as the patient’s return transport and repatriation due to death resulting from suicide.
M) Medical check-ups for pregnancy.
N) Treatment of pregnancy complications from the 36th completed week of pregnancy.
O) Termination of pregnancy on medical grounds from the 36th completed week of pregnancy.
P) Giving birth and its consequences from the 36th completed week of pregnancy.
Q) Termination of pregnancy on non-medical grounds is not covered.

14. What obligations do you have after the insured event has occurred – what must you absolutely take into account?

14.1 You must comply with the obligations of the General Terms and Conditions.

14.2 You or in the event of death, your legal successor must contact our Emergency Hotline immediately:

A) Before the start of in-patient treatment.

B) Before carrying out the return transport of the patient.

C) Before burial in the host country or before repatriation in the event of death.

14.3 You are obliged to submit to us the original invoices or copies with proof that another insurer has reimbursed the costs.

15. What consequences does a breach of the obligations have?

15.1 You will lose your insurance cover if you have deliberately breached the above-mentioned obligations.

15.2 In the case of gross negligence, we can reduce the payment of benefits in proportion to the severity of your fault. Unless you can prove that you did not breach the obligations with gross negligence.

15.3 Your insurance cover remains effective if you can prove that the breach of obligation was not the cause of the occurrence or the determination of the insured event, nor of the determination or the scope of the benefit. This does not apply in the case of fraudulent intent.

16. Do you have to pay an excess?

If you have chosen a tariff with an excess, you will have to pay part of the loss yourself. In the case of medical treatment costs, we will deduct € 100 for each insured event from the reimbursement. This also applies if specific amounts are defined as a maximum reimbursement.

17. What consequences does a breach of the obligations have?

17.1 You will lose your insurance cover if you have deliberately breached the above-mentioned obligations.

17.2 In the case of gross negligence, we can reduce the payment of benefits in proportion to the severity of your fault. Unless you can prove that you did not breach the obligations with gross negligence.

17.3 Your insurance cover remains effective if you can prove that the breach of obligation was not the cause of the occurrence or the determination of the insured event, nor of the determination or the scope of the benefit. This does not apply in the case of fraudulent intent.

18. Do you have to pay an excess?

If you have chosen a tariff with an excess, you will have to pay part of the loss yourself. In the case of medical treatment costs, we will deduct € 100 for each insured event from the reimbursement. This also applies if specific amounts are defined as a maximum reimbursement.

19. What happens in the case of claims against other insurance companies?

Will you lose your premium refund from another health insurance policy, because this insurance company contributed to the reimbursement in our favour? We will then either waive the sharing of costs or make up for this loss.


2. Personal Accident Insurance - Questions & Answers

1. What is insured?

1.1 If you have an accident during a trip, which leads to your death or permanent disability, we will support you or your legal successor in providing the agreed assistance and payments.

1.2 An accident is deemed to have occurred if you suffer involuntary damage to your health as a result of an event, which suddenly impinges on your body from the outside.

1.3 An accident is also deemed to have occurred if, as a result of increased physical exertion:

A) One of your joints is dislocated.

B) Your muscles, ligaments, tendons or joint capsules are strained or torn.

1.4 It is also deemed to be an accident: If you suffer a sudden damage to your health in the course of lawful defence or during efforts to rescue human life, animals or property.

2. When and to what extent do we pay benefits if the accident leads to permanent disability?

2.1 When does a disability exist? Disability exists if your physical and mental capacity is impaired permanently as a result of the accident. An impairment is permanent if it is likely to exist for more than three years. Furthermore, no change to the condition can be expected.

2.2 The following requirements must be met with regard to your disability within 15 months after the accident:

A) The disability occurs.

B) It is confirmed by a doctor in writing and a claim is submitted to us.

2.3 How do we assess the extent of your disability?

A) If you lose your sense organs or parts of your body or their function is completely impaired, the following degrees of disability apply:
Arm. 70 %
Arm to above the elbow joint 65 %
Arm below the elbow joint 60 %
Hand. 55 %
Thumb 20 %
Index finger 10 %
Other fingers 5 %
Leg above mid-thigh 70 %
Leg up to mid-thigh 60 %
Leg to below the knee 50 %
Leg to the middle of the lower leg 45 %
Foot 40 %
Big toe 5 %
Other toe 2 %
Eye 50 %
Hearing in one ear 30 %
Sense of smell 10 %
Sense of taste 5 %
Voice 50 %
Kidney 20 %
Spleen 10 %

B) You lose your sense organs or parts of the body partially or their function is partially impaired? Then the corresponding portion of the percentage mentioned in 2.3 A) will apply.

C) Is a part of the body or a sense organ not listed in 2.3 A)? The degree of disability is measured by the extent of the overall impairment to the normal physical or mental capacity. This assessment will be decided solely on medical grounds.

D) Were affected parts of the body or sense organs already permanently impaired prior to your accident? In this case, we will reduce the degree of disability by the disability prior to the accident. This is assessed in accordance with the above-mentioned criteria.

E) If several sense organs or body parts are affected permanently by the accident, the degrees of disability will be added together up to a maximum of 100%.

3. When can you claim payment of benefits for disability?

3.1 If your treatment is not yet completed, you can request payment due to disability at the earliest one year after the accident.

3.2 You send us all the documents, which are required to assess the degree of disability. Within three months, we will then state whether and for what amount we will accept your claim.

3.3 If you die within one year after the accident as a result of the accident, you will not be entitled to disability benefits. You are entitled to death benefit.

3.4 If you die within one year after the accident for another reason, your heirs are entitled to disability benefits. The degree of disability is measured according to the last results of the medical examination. The same applies if death occurs after more than one year, no matter what the reason is.

3.5 Once we have accepted the claim, we will pay a lumpsum benefit within two weeks. In the case of permanent disability, we will pay the complete sum insured. In the case of partial disability, we will pay the corresponding portion of the sum insured.

4. What do we pay if you die as a result of the accident within one year?

In this case, we will pay the agreed sum insured to your heirs or your beneficiaries.

5. When can your heirs or your beneficiaries claim payment for death benefit?

5.1 We receive all the documents, which we require as proof of the insured event. Within one month, we will then state whether and for what amount we will accept the claim.

5.2 Once we have accepted the claim, we will pay immediately.

6. Can the degree of disability be re-assessed?

6.1 You and we can have the degree of your disability re-assessed every year. This applies for a maximum of three years after the accident event.

6.2 You must do this within one month of receiving the statement regarding our liability in accordance to section 3.2.

6.3 We must exercise our rights by means of the statement specified in section 3.2.

6.4 Does the final assessment show a higher disability benefit than that already paid? We will then pay 5% annual interest on the additional amount.

7. What is not insured?

7.1 The following is not insured:

A) Accidents due to mental disorders or unconsciousness, strokes or convulsive seizures.

B) Accidents due to drunkenness with a blood alcohol level of at least 1.1 per mille or the consumption of narcotics.

C) Accidents as a pilot of a plane.

D) Accidents as a driver, passenger or occupant of a motor vehicle at race events, where the aim is to attain top speeds. The associated test drives are excluded.

E) Accidents, which occur if you carry out extreme sports, train for or participate in any type of boxing or wrestling matches, martial arts competitions, horseracing or cycle racing.

F) Accidents, which occur if you deliberately carry out or attempt to carry out a criminal offence.

G) Accidents due to attempted suicide and the consequences arising from it.

7.2 There is no insurance cover for damage to your health caused by therapeutic measures, surgery to your body, radiation or infections. Except if they are caused by the accident.

8. What obligations do you have in the event of the insured event?

8.1 You must comply with the obligations of the General Terms and Conditions.

8.2 You must inform us of the accident immediately and let yourself be examined by doctors appointed by us. We will pay the costs for this.

8.3 You must authorise doctors providing treatment or examining you to supply any information required to us. This also applies to other insurers, insurance companies and authorities.

9. What consequences does a breach of the obligations have?

9.1 You will lose your insurance cover if you have deliberately breached the above-mentioned obligations.

9.2 In the case of gross negligence, we can reduce the payment of benefits in proportion to the severity of your fault. Unless you can prove that you did not breach the obligations with gross negligence.

9.3 Your insurance cover remains effective if you can prove that the breach of obligation was not the cause of the occurrence or the determination of the insured event, nor of the determination or the scope of the benefit. This does not apply in the case of fraudulent intent.


3. Personal Travel Liability Insurance - Questions & Answers

1. What is insured?

1.1 We will protect you from consequences arising from personal liability risks during the trip. If a third party asserts a claim against you as a result of a personal injury or damage to property, we will check whether and to what extent you are liable to pay compensation for damage to the third party under statutory liability provisions in private law.

1.2 The insured event is the event leading to the claim, which caused direct damage to the third party. The time at which the damage resulting in the event leading to the claim was caused, is not relevant.

1.3 Your legal third-party liability under private law as a private person resulting from the risks of daily life is insured. This only applies to the extent that there is no exclusion specified in section 2.

1.4 If we find that the claims against you are unjustified, we will contest them.

1.5 If your obligation to pay compensation is determined with a binding effect for us, we will indemnify you against any justified claims. We will pay compensation immediately.

1.6 Obligations to pay compensation are justified if you are obliged to pay compensation by virtue of a law, final judgement, admission or settlement agreement. If you make an admission without our consent, it is only binding to us if the claim would have arisen even without the admission. The same applies to settlement agreements, which you reached without our consent.

1.7 Our compensation for each insured event is limited to the agreed sum insured. This will also apply if the insurance cover extends to several persons obliged to pay compensation. Several events leading to a claim are regarded as one insured event if they can be attributed to the same cause.

1.8 We are authorised to make any declarations in your name, which we consider appropriate to process the claim or to contest claims for compensation. In the event of a legal dispute for an insured event regarding claims for compensation, we will conduct legal action in your name at our expense. We will not deduct our expenses for these costs from the sum insured.

1.9 The justified claim for compensation exceeds the sum insured? In this case, we will assume the costs of the litigation as a proportion of the insured sum to the total amount of the claims.

2. What is not insured?

We will not pay for:

2.1 Damage or loss which you or persons also covered by this policy caused deliberately and unlawfully.
2.2 Risks, which are directly connected with a criminal offence committed by you deliberately and unlawfully.
2.3 Damage or loss which you suffer yourself (so-called own damage).
2.4 Damage or loss, which you cause to persons covered by the same policy.
2.5 Damage or loss, which you cause to your relatives.
2.6 Claims relating to salary, pension, wage or other fixed earnings, subsistence, medical treatment in the case of incapacity to work and welfare claims.
2.7 Claims, which are asserted against you as a result of your official function or professional activity, your office or honorary position.
2.8 Damage or loss arising from your dangerous occupation.
2.9 Damage or loss, which is caused by the use of motor vehicles, aircraft or motorised water vehicles. It is irrelevant whether you are the owner, possessor, holder or the driver of the vehicle.
2.10 Contrary to the provisions in § 103 German Insurance Contract Law (VVG), damage or loss which you cause to others by transmitting diseases through gross negligence.
2.11 Damage or loss by keeping or looking after animals.
2.12 Claims from the fulfilment of a contract and claims under public law.
2.13 Damage or loss due to the loss of property.
2.14 Damage or loss to objects hired, rented, leased or borrowed by you. Damage to rented accommodation is insured. In addition, damage to items of furniture in hotels, holiday flats, holiday homes, ship cabins, similar accommodation. Damage or loss due to the loss of keys for the above-mentioned accommodation is also insured. In these cases, we will pay up to € 5,000 to exchange the locks. Excluded are claims arising from the consequential damage or loss as a result of losing the keys.
2.15 Claims due to financial losses asserted against you on the basis of all kinds of advice or recommendation.
2.16 Damage or loss caused by you as a hunter.
2.17 Damage or loss connected with your carrying out extreme sports.
2.18 Damage or loss resulting from your participation in horse races, cycle races or races with motorised vehicles or during your training for such events.
2.19 Claims connected with training or participation in boxing or wrestling matches, or performing martial arts.

3. What obligations do you have after the insured event has occurred?

3.1 You must comply with the obligations of the General Terms and Conditions.

3.2 You must inform us of any insured event within one week after becoming aware of it.

3.3 You must:
A) As far as possible avoid or reduce the claim. You must follow our directions as far as can be reasonably expected by you.

B) To provide us with detailed and true reports on the claim and to support us in the assessment and settlement of the claim.

C) To inform us of all circumstances which in our opinion are significant for processing the claim. You must send us all requested documents.

3.4 In addition, you must notify us immediately if a third party asserts any liability claims against you. This also applies if legal proceedings are initiated by a public prosecutor or the court. Or default summons are issued to you or a third-party notice be served.

3.5 If you receive default summons from a person claiming compensation for damage, you must contest it in due time and in due form. Also in the case of an order issued by the administrative authorities, you must lodge an appeal in due time and in due form. You should not wait for our instructions.

3.6 If a third party files claims against you, you must let us conduct the proceedings.

4. What consequences does a breach of the obligations have?

4.1 You will lose your insurance cover if you have deliberately breached the above-mentioned obligations.

4.2 In the case of gross negligence, we can reduce the payment of benefits in proportion to the severity of your fault. Unless you can prove that you did not breach the obligations with gross negligence.

4.3 If you breach any existing obligation to provide information or clarification after the insured event has occurred, the insurance cover could become partially or totally void. The prerequisite is: We have pointed out the consequences in a separate written notification.

4.4 Your insurance cover remains effective if you can prove that the breach of obligation was not the cause of the occurrence or the determination of the insured event, nor of the determination or the scope of the benefit. This does not apply in the case of fraudulent intent.

5. Do you have to pay an excess?

If you have chosen a tariff with an excess, you will have to pay part of the loss yourself. In the case of damage to property, we will deduct € 150 for each insured event from the reimbursement. This also applies if specific amounts are defined as a maximum reimbursement.

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