Holidays abroad - Tips for the right travel insurance

Sick on vacation - that`s something you really don`t want to think about. But, however, you should because in case of emergency it could be - without the right insurance - quite expensive. And therefore, its extremely important to study the contract details of your insurance.

The search for the right doctor is not easy - certainly not abroad, if you have an emergency and prompt medical assistance needs. Since helps a good health insurance abroad, which, ideally, Organizational, and especially all the costs incurred for medication, treatment, hospitalization and repatriation takes over. The whole thing is just six euros for one person or 12 euros for the whole family. At the end, but you should make sure what kind of service the insurance offers.

Limited protection is included

The European health insurance card, you have the statutory still have a certain amount of travel in other European countries and some other countries such as Turkey, Norway and Iceland. This replaces the medical treatment fund in the amount of German phrases - if you precise documents with lists of medical services authority. The difference at higher cost, for example through private treatment, but it must be paid.

An additional travel insurance in your luggage should be also. It is worth also find out whether you already have a credit or membership card travel protection.

Attention on long trips

Many travel health insurance with a maturity of one year. They often apply only for stays up to six weeks at a time. So if you are a particularly long trip plans should have a separate contract for insurance.

Hannelore Egger had for their trip to Greece a cheap additional travel medical insurance. Then the accident happened: They fell and injured is difficult. In the hospital in Athens it was five days - unwashed, UNTRIMMED teeth, completely neglected. She had only one wish - back to Germany.

Problems with Repatriation

In the horizontal plane, she had to be transported. Only in Germany was a correct diagnosis instead: pelvic fractures. Despite her condition, there were problems with the reimbursement of the flight through the travel insurance. The thought that their injuries in Greece would continue to be treated. And so she had to return from his own pocket to pay: 8,200 euros.

No medical necessity

The reasoning: The return was not medically necessary. This clause allows the insurance, not to pay. Many insurance companies have better conditions this year: The return will be refunded if it is sensible and reasonable, which in the case of Mrs. Egger would have applied.

Also: If a hospital stay abroad longer than the planned trip, it is crucial that the contract is not limited, but that for reasons of insurance, the insured person has no further runs.

Travel cancellation insurance

Incidentally, the separate complementary travel insurance reimbursed them to travel only if they are soon all clearances and documents that are fundamental to prove the resignation. Otherwise: Have a good trip!