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!

Travel health insurance: Going to Russia

Depending on the destination country for your next holiday, you should have a specified health insurance for your time abroad. In non-EU states, such as in Russia, the standard packages of the big health insurers like DAK, AOK, BKK TKK won`t count. The following health insurance companies are allowed to apply for a Russian visa:

* ACE Insurance S.A.-N.V.
* ADAC safe Versicherungs AG
* Private health insurance Allianz AG
* Allianz Worldwide Care Ltd .- AWC Ltd.
* OLD OLDENBURGER Health Insurance V.V.a.G
* Property ARAG Allgemeine Versicherungs-AG
* ARAG Krankenversicherung AG
* ASSTEL Krankenversicherung AG
* AXA Colonia ZN Berlin
* AXA Colonia ZN Hamburg
* AXA Colonia ZN Munchen
* AXA-Krankenversicherung/Shasskiye Vorota
* Barmenia Krankenversicherung AG, founded. 1904
* Bavarian officials Krankenkasse AG
* Central Krankenversicherung AG
* CIGNA Life Insurance Company of Europe SA-NV
* CONCORDIA Krankenversicherungs AG
* Continentale Krankenversicherung a.G
* DBV-Winterthur Krankenversicherung AG
* Health Insurance Association Debeka a.G
* DEVK sickness - AG
* German insurance association a.G Ring
* German DKV Krankenversicherung AG
* ELVIA Travel Insurance Company Ltd.
* ENVIVAS Krankenversicherung AG
* Europ Assistance Insurance Ltd.
* Europe Krankenversicherung AG
* Europaishe Travel Ltd.
* Gerling Lebensversicherungs AG
* Global Voyager Assistance (Cyprus) "- GVA
* Global Krankenversicherung AG
* Gothaer Krankenversicherung AG
* Gouda Versicherungs-AG (ISA)
* Hallesche Krankenversicherung AG
* Hallesche-Nationale Krankenversicherung AG
* Hanse Merkur Krankenversicherung AG
* Hanse Merkur Travel Insurance AG
* HUK-Coburg-Krankenversicherung AG
* INTER Krankenversicherung AG
* International SOS
* KarstadtQuelle Versicherung AG
* LVM Krankenversicherungs - AG
* Mannheimer Krankenversicherung AG
* Munich Reinsurance Company
* Neckermann Versicherung AG
* Nurnberger Krankenversicherung AG
* Postal Civil Service Health Insurance Fund (PBEAKK)
* Police PVAG Versicherungs AG
* R + V Krankenversicherung AG
* ROLAND safe-Versicherung AG
* Black and Baltic Sea Versicherungs-Aktiengesellschaft SOVAG
* SIGNAL Krankenversicherung AG
* SIGNAL IDUNA Allgemeine Versicherung AG
* Suddeutsche Krankenversicherung AG
* Universa Krankenversicherung AG
* Union Krankenversicherung AG
* VAV
* Victoria Krankenversicherung
* Health Insurance Wurttemberg AG

New prices for travel health insurance

Latest studies confirm that even for six to eight euros, there are good deals for a travel health insurance. Its also recommended to update your insurance, since many vendors have renewed their terms.

But often, the conditions have not been automatically converted. If you are an insurer with better conditions would like to switch, you can terminate its contract with a period of three months to the maturity notice.

In recent years, therefore, inter alia, the conditions for returning to the home country improves. Many insurers now offer this always then, if he was "sensible and reasonable" is. Fewer and fewer providers require, for example, that a return of the question only if the insured more than two weeks in the hospital should lie.

Even for six to eight euros, there is a very good offer. Travel abroad for the protection is generally recommended, because the health insurance companies outside Europe usually do not take care in Europe is often only a part. Returning to the home country pays no cash, even the most private is not.

Holidaymakers should not, however, to leave the emergency services on behalf of the insurer for a suitable doctor looking abroad. Only three out of ten emergency services were at a test call from the Azores to the nearest s correctly call.

Often stressed employees were therefore have no information or send the caller to the remote island's capital, in one case even on the Portuguese mainland. It is therefore advisable to evaluate the necessary information before the commencement of the journey.

Top Tip: Travel Health Insurances and their contract terms

Consumers should read the fine print at the conclusion of a foreign health insurance more closely. Because the conditions often include renewal clauses, warns the Consumer Center.

Accordingly the text is often loud, that the implied contract by one further year, if the policyholder is duly announced. Depending on the insurer could this period one or three months - annoying for consumers, the late notice.

Who in the insurance knows that after the forthcoming tour will not soon again travels abroad, is perhaps better with a short-term contract or a daily policy serves only for the days of actual travel apply. Depending on the provider, the time spent abroad will not be longer than 42 to 62 days, explaining the consumer protector.