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

Travel Insurance - a good investment

Everyone dreams of a beautiful holiday and each year most people live up to this desire. Although exotic destinations of course are still very popular, many people still spend their holidays in native pastures. Especially the central European region provides the perfect conditions and a high variety.

But despite all the euphoria you should also leave at all prepared for this eventuality. Precisely for this reason, it is well to well in advance of the desired leave the necessary precautions. At a travel insurance should not be saved. Indeed, a good travel insurance will ensure that the holiday joy even when unforeseen events always remains untarnished. To ensure the demolition travel insurance, for example, that no unnecessary additional costs, if the short-term vacationers should decide not to travel.

Such circumstances can also occur unexpectedly - for example through a case of illness or a death in the family. A rice demolition insurance guarantees in such a case, that any expenses already paid back again, if you decide you prefer to stay at home. But not only for the undecided contemporaries is a travel insurance is recommended. Who, for example, in his vacation home suddenly becomes ill or an accident for which a demolition travel insurance is the perfect alternative, in order not to lose money unnecessarily.

But even if the case arises, that the luxury hotel as a flophouse in reality turns out, may cancel a travel insurance policy to be worth much. Because instead of the debacle as most holidaymakers auszusitzen, one can recklessly decide to terminate the holiday - without any adverse financial consequences to fear.

Thus, it soon becomes clear that a travel a very worthwhile investment. Because travel insurance guarantees that the inconvenience to leave with empty hands off. Precisely this circumstance probably guaranteed that you can relax even more.

What to do in case of ski travel accident

Basically, there are three cases:

1. You cause an accident and both you, as well as a third party is injured by your fault.
2. A third party causing an accident, you are injured.
3. You are hurt as a result of your own fault and no one else is injured.

The first thing is clear: The health of the victims, which took part in the accident, is most important. You can all argue about a fault when the accident opponent actually a fault hits. Beautiful it is, of course, if you have personal liability insurance.

It is important that the insurance is valid abroad. Please make sure that the foreign coverage, not only in European countries, but also and especially in the U.S. and Canada is very important because there are claims for damages are much higher. Personal injury will have a much greater significance, the courts also speak faster high damages, including pain, too. Without insurance you are virtually facing bankruptcy.

Your personal liability insurance not only checks whether you have caused the damage and then compensated, but the insurer refuses such claims for damages which are not justified, because you are not at fault.

A personal liability insurance will cost between € 50 and € 100 per year. Please do not save it.

The first case, of course, the constellation includes damage caused to your body properly. The damage to the equipment are only covered by a Ski breaking insurance.

Medical expenses and medical services abroad are about your health insurance cover in the event that a mutual agreement between your country and another. However, it is recommended that you do not need to leave for your holiday abroad insurance. The cost per day between € 0.50 and € 1.00.

Those who have private health insurance, please just have to check that insurance cover is also abroad. We will not tire to point out that you have a specific cost risk in the USA / Canada. Before you are admitted to hospital, ask for your credit card, before moving nobody even one finger!

Another may be the result of a skiing accident as an accident. e.g. Disability or even death.

For those who do not have accident insurance, we recommend also the conclusion based on one years contract, you will have all sorts of other activities that contribute to an accident, such as slipping on the ice, insured.

If the accident with you a long convalescence, it must, in particular the self-employed and freelancers to ensure that the loss is covered, usually to do it on a per diem sickness insurance.

In the worst case threatens in consequence of a skiing accident the disability, here are especially the freelancers and the self-addressed, independently sufficient insurance coverage for them. At least you should get a travel accident insurance.