Insurance for the summer: Protect yourself and your trip!
Insurance for the summer: Protect yourself and your trip!
Deutschland - Summer is just around the corner and the travel time with it. Many Germans are already starting to forge their vacation plans. During this time, the view is increasingly aimed at the necessary insurance. According to Tagesschau , almost two thirds of Germans take out travel insurance to secure themselves during their trips abroad.
The travel cancellation insurance and foreign health insurance are particularly popular. In many cases, the latter is to be regarded as a duty, also within the European Union, since it covers the unexpected treatment costs abroad. This includes visits to the doctor, medication and also the return transport to Germany. The statutory health insurance companies often only take on a limited part of the costs, which makes it advisable to take out foreign health insurance.different insurance options
In addition to international health insurance, there are a variety of other options that travelers can consider. This includes, among other things, the travel termination insurance and the luggage insurance. The Stiftung Warentest expressly recommends foreign health insurance for all travel countries, and the costs are quite manageable for individuals at less than 10 euros per year.
Another important point is the contract term. Many policies offer protection for periods between 30 and 60 days. Travelers who go on vacation with their own car should know that their vehicle is usually insured through vehicle liability insurance abroad. Proof of liability insurance is often carried out by the green card, which is even mandatory in some countries.
services of foreign health insurance
Foreign health insurance covers numerous benefits that are important for travelers. These include:
- cost reimbursement for outpatient medicinal treatments and dental treatments
- Inpatient healing treatments including accommodation and care
- Transport to the doctor or hospital
- Transfer in the event of death or funeral costs abroad
- Accompanying person in the hospital in children under the age of 18
The services apply worldwide and travelers have free choice of doctor. However, visits to the doctor abroad have to be paid immediately, and the original invoices must be kept. Contact with the health insurer is particularly necessary for a hospital stay.
advice on insurance selection
When choosing insurance, consumers should pay particular attention to payment modalities and deductures. Many insurers exclude certain treatments, such as foreseeable diseases or treatments that represent the reason for the trip. For travelers who use rental cars, Mallorca policization is recommended because it offers additional liability protection.
In addition, travelers should thoroughly check whether they need an all-round carefree package for their needs, as they can often be superfluous. In particular, luggage insurance is often not recommended, since protection usually only applies under certain conditions, while the contributions can be high.Overall, a well -selected insurance is crucial in order to be able to relax easily on vacation. It is advisable to find out more about the various offers and to select the right protection for individual travel needs. Interested parties can find more information on this, for example, on the website of the consumer center at Consumer center .
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