Our private travel health insurance - comprehensive travel protection for holidays abroad

Our Highlights

  • Outpatient and inpatient treatment
  • Single or annual insurance
  • No excess in the event of illness
  • from € 21 per year for families

from 10 € per Trip

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Bernhard Reiseversicherungen Bewertungen
  • Worldwide travel cover
  • Multiple awards
  • Favourable premiums
  • Unique insurance benefits
  • 70 years of experience
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Everything you need to know about private travel health insurance

With our private travel health insurance you are comprehensively covered abroad and can enjoy your stay abroad without worries!

  • Medical care: In the event of illness, private travel health insurance covers the costs of necessary medical treatment abroad.

  • Emergency transportation: If necessary, the costs for necessary patient transportation or medical evacuation are covered.

  • Repatriation: The costs of repatriation to the home country in the event of illness or death are also covered.

  • Services: Support in case of emergency and claims

  • Additional benefits: Our private travel health insurance can be supplemented with many additional benefits, e.g. travel cancellation insurance, luggage insurance, and much more.

The private travel health insurance in comparison:

What does travel health insurance cost?

Individual insurance Annual insurance  
Hospital costs for outpatient and inpatient treatment:
Analgesic dental treatment (max. € 500):
Repatriation costs for further treatment in the home country:
Repatriation costs in the event of death (up to € 25,000):
Favourable conditions for groups: X
Number of possible trips: 1 Any number of trips per year
Maximum duration of travel per trip: 356 days 56 days
Area of validity: Worldwide without USA/Canada or worldwide with USA/Canada Worldwide
Calculation example (up to 64 years; 14 days; without USA/Canada): 25,00 € 13,90 €

Why is private health insurance abroad worthwhile?

You might ask yourself why you actually need travel health insurance? Are you not insured abroad by the normal, statutory health insurance? The answer to this question is: Unfortunately only partially!

On one hand, it depends on which country you are traveling to:
If, for example, you are travelling to a country that is not a Schengen country, such as Tunisia or Egypt, you are simply not covered by health insurance without private travel health insurance and are therefore exposed to an extreme health and financial risk. If you need medical treatment there and, in the worst case, even need to stay in hospital for several days, you will have to bear all the costs alone.

Especially in countries where medical and treatment costs are much higher than in Germany, such as in the USA or Canada, expenses can quickly arise that bring a normal earner without travel health insurance in financial distress.

On the other hand, the nature of your illness or the extent of the treatment you require plays a role:
most European countries, i.e. the so-called Schengen states, have a social security agreement with Germany. As long as you stay in these countries, your health insurance will cover the costs of treatment etc.. However, only to the same extent as in Germany: If a treatment abroad costs, for example, 1000 €, but in Germany the same only 800 €, you have to pay the difference out of your own pocket. Unless you have a private travel health insurance, which takes effect in such a case.

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Why private travel health insurance makes sense:

Scooter riding in Asia

Even though scooter riding is very popular in Asia, it can quickly become dangerous. Even as an experienced rider, you can quickly reach your limits in Asia. Consideration in traffic and traffic rules are not an issue for many local drivers. The lack of roadworthiness of scooters and the lack of protective measures due to the high temperatures also increase the risk of a traffic accident. A fall or crash can result in abrasions or serious injuries. With private travel health insurance, you will not incur any unexpected costs if you need to see a doctor, as outpatient medical treatment and X-ray diagnostics are included in the insurance benefits.

Active abroad

Hiking activities are also very popular abroad. Whether you are on a relaxing tour or a challenging hike in the mountains, you are usually treading on unfamiliar ground. Unfortunately, paths and climbing trails are often not as well signposted and secured as expected. Maintenance is also often neglected abroad. The possibility of an accident is therefore quite likely. If there is no doctor in the immediate vicinity or one is not equipped to treat you, there is a problem. Necessary transportation to a distant hospital is usually associated with high costs. It therefore makes sense to take out private travel health insurance that covers the costs of transportation to the nearest suitable hospital for inpatient treatment and back to your accommodation.

Visiting the dentist while traveling

Enjoying typical local food abroad is always associated with special experiences. Unfortunately, this can quickly become a problem with unfamiliar dishes with contents that you don't know. A filling can become loose, damaged or the gums can be affected. A visit to the dentist is then necessary. This can quickly become expensive abroad. To avoid having to pay for this in an emergency, it is highly recommended that you take out private travel health insurance.

What does the travel health insurance cover?

Medical repatriation - an expensive affair without travel health insurance.

Imagine you have to be treated in a hospital for an extended period of time (probably longer than 14 days) during your trip. The staff may not speak your language and none of your family or friends will be able to visit you. For this reason, you would like to travel home and receive further treatment there, as it has been proven that this promotes the healing process and the medical care is usually better there as well. However, this is only possible if it makes medical sense and is also justifiable.

In this case, the travel health insurance would cover all costs for medical repatriation to Germany.

 

Sick on site - treatment needed

It may happen that the treatment you need cannot be guaranteed locally. Imagine that the attending physician orders your medical return transport to Germany. Without travel health insurance, you will have to bear the costs of this return transport in any case - regardless of whether you are staying in a Schengen state or not, because your statutory health insurance generally does not cover medical transport from abroad.

Overview of the costs of our annual insurance per year

  per person for families
Annual premiums up to 35 years 9,90 € 21 €
Annual premiums up to 65 years 13,90 € 29 €
Annual premiums up to 75 years 29,90 € 65 €
Annual premiums from 75 years 79,90 € 159 €

Insurance conditions

Private annual international health insurance for individuals or families:
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Other important travel insurances

Travel Cancellation Insurance

  • Reimbursement of cancellation costs
  • Reimbursement of cancellation costs
  • optional Corona illness

from 2,2 % of the travel price

► take out now

more information

Luggage insurance

  • Loss of luggage
  • Damage to luggage
  • Reimbursement for replacement purchases

from 25,- € per trip

► take out now

more information

Annual cancellation insurance

  • Reimbursement of trip cancellation costs
  • incl. Corona protection
  • any number of trips per year

from 29 € per person

► take out now

more information

Travel legal protection

  • Road traffic damage
  • Threat of punishment abroad
  • Legal dispute with tour operator

Additional insurance

► more information

 

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