Detailed list of benefits

Health insurance benefits

11.2 Medical treatment

1. The Insurer will pay the costs of medical treatment required, which is performed or ordered by doctors. This includes in particular:

a) in-patient treatment in hospital including operations;
b) out-patient treatment;
c) drugs, medicines and bandages;
d) out-patient first-response medical care of psychological illnesses up to a total of €1,500.00;
e) in-patient emergency medical treatment for mental and psychological disorders occurring for the first time, up to a total of €20,000.00;
f) aids (e.g. aids for walking, rental of a wheelchair), if they are required for the first time on account of an accident or an illness during the insured stay.

2. Dental treatment

a) The insurer will reimburse the costs for dental treatment for the relief of pain, including simple or temporary fillings and repairs to restore the function of dentures and replacement teeth up to a total sum of €500 for each insured event.
b) If dental treatment is medically necessary as a result of an accident which the insured person has suffered during the insured stay, the insurer will pay the costs up to a total of €1,000 for each insured event. An accident is deemed to have occurred if the insured person suffers involuntary damage to his/her health as a result of an event which suddenly impinges on his/her body from outside.

3. If medical return transport is required by the end of the insured stay because it is not possible to move the insured person, the insurer will pay the costs of medical treatment up until the day when it is possible to move the insured person.

4. Telephone costs

Telephone costs to make contact with the Emergency Call Centre of the insurer will be paid up to €25 for each insured event.

11.3 Pregnancy/Labour

1. In the event of pregnancy occurring during the insured stay, the insurer will pay the costs for

a) antenatal checkups up;
b) two ultrasound examinations, unless further scans are medically necessary on account of special circumstances;
c) treatment for complications during pregnancy;
d) out-patient or in-patient labour. Additional costs for a Caesarean operation are also eligible for repayment, provided it is medically necessary;
e) medically necessary termination of pregnancy;
f) birth assistants and midwives;
g) postnatal care of the mother and the newborn. The payments for newborns are limited to €50,000.

2. Pregnancies at stage less than six months, at the moment of departure from the home country, to participate in this action, shall not be excluded from cover.

11.4 Medical transport/Repatriation

The insurer will pay the costs for

a) medically necessary transport abroad for hospitalization or initial outpatient treatment in a hospital; transport must be provided by a recognized emergency medical service;
b) medically effective and reasonable evacuation of the insured person to his/her place of residence in the home country or to a suitable hospital nearest to his/her place of residence, if it is likely that the insured stay will have to be definitively terminated as a result of the illness/injury. In the case of trips, the insurer will also pay the costs for medically effective and reasonable evacuation to the place of stay in the country of stay or to a suitable hospital nearest to his/her place of stay in the country of stay;
c) repatriation of mortal remains of the insured person to the place of residence prior to the trip or, optionally, burial abroad up to the amount of the repatriation costs.

You will find a full description of benefits and benefit exclusions in the Insurance Conditions .

Accident insurance benefits

PROTRIP-WORLD-PLUS provides the following accident insurance benefits:

Sums insured in accident insurance

You will find a full description of benefits and benefit exclusions in the Insurance Conditions.

Liability insurance benefits

The insurance policy PROTRIP-WORLD-PLUS includes full personal liability insurance for the insured person. In addition to personal injury and property damage, the policy also covers damage to rented property. Damages to rented property are damages caused to a rented flat/apartment. It has become popular with landlords to demand that such damage is covered.

Personal liability insurance coverage only applies if the insured person is not sufficiently covered by other insurance policies (subsidiary coverage). Damage caused by the use of a motor vehicle is not insured. This includes both personal injury and damage to property.

Sums insured in liability insurance

You will find a full description of benefits and benefit exclusions in the Insurance Conditions.

Assistance insurance benefits

I. Assistance in case of loss of means of payment

1. Where the insured person finds himself/herself in a financial emergency during a trip abroad as a result of theft, robbery or other loss of his/her travel funds, the insurer will establish contact to the insured person’s main bank.

If contacting the main bank is not successful within 24 hours after the working day following the notice of claim, the insured person can take out a loan with the insurer up to €1,600 per insured event.

2. Loan payment will only be made on submission of a written unconditional letter of commitment of the insured person to the insurer to pay back the loan at the latest 30 days after receiving it.

3. Any loss in case of a suspected criminal act must be reported immediately to the responsible police department; the insured person needs to have his/her notification confirmed by the police. In any case, inquiries need to be made with and confirmed by the lost property office.

II. Assistance in case of loss of travel documents

1. Where the insured person finds himself/herself in an emergency situation during a trip abroad as a result of theft, robbery or other loss of his/her travel documents, the insurer will provide him/her with information about the responsible authorities and documents required to issue the necessary replacement documents for finishing the trip.

2. The insurer will reimburse the costs for obtaining the replacement documents required abroad to finish the trip. Any costs incurred by issuing replacement documents after the end of the trip are not covered.

3. Any loss in case of a suspected criminal act must be reported immediately to the responsible police department; the insured person needs to have his/her notification confirmed by the police. In any case, inquiries need to be made with and confirmed by the lost property office.

III. Assistance in case of criminal prosecution

1. Where the insured person is arrested or threatened to be arrested, the insurer will provide help in finding a lawyer and an interpreter.

2. The insured person can take out a loan with the insurer of up to €12,000 for the payment of court, lawyer and interpreter fees or for the payment of a bail.

3. Loan payment will only be made on submission of a written unconditional letter of commitment of the insured person to the insurer to pay back the loan at the latest 30 days after receiving it.

IV. Return trip in case of an emergency

1. In the event of death, severe injury or unexpected serious illness of a relative, the insurer will organize the return trip from abroad and reimburse the additional expenses for travelling by train or plane (economy class). Relatives of the insured person according to the policy are spouses, children, parents, partners (cohabitation), life partners (in accordance with Law on Civil Partnership (LPartG)), stepparents, stepchildren, grandparents, grandchildren, siblings, parents-in-law, children-in-law, brothers-in-law and sisters-in-law.

2. In the event of damage to property of the insured person as a result of fire, acts of god or criminal acts of a third party, the insurer will organize the return trip from abroad and reimburse the additional expenses for travelling by train or plane (economy class). Precondition for the payment of the claim: the damage is substantial with regard to the financial situation and personal assets of the damaged party or the presence of the insured person is required for damage assessment.

3. Travel services that were not made use of will not be reimbursed. For every insurance year, the insurer will provide payment for a maximum of two insured events of this kind.

V. Arrival of a person in a position of trust in case of an emergency

1. Where the insured person undergoes inpatient treatment for more than five days during a trip abroad due to severe injuries as a result of an accident or due to unexpected serious illness, the insurer will, at the request of the insured person, organize the arrival and departure of a person in a position of trust to the hospital and from there back to his/her home; the insurer will further pay his/her travel expenses by train or plane (economy class) as well as the costs for simple accommodation. Benefits are paid per insured event up to a maximum amount of €4,000.

In case of an officially ordered deportation of the visitor, the insurance policy covers the incurring costs up to €4,000 if claims are made against the host.

Deportation costs policy also provides coverage after the expiration of insurance if the visitor, against all expectations, has not left the Federal Republic of Germany.

You will find a full description of benefits and benefit exclusions in the Insurance Conditions.