Questions & Answers

Do you want to have detailed information before purchasing your group contract solution (PROTRIP-WORLD-PLUS oder PROTRIP-WORLD-GRUPPE)? In this section, we collected a number of frequently asked questions regarding the scope of coverage. If you have any other questions, feel free to contact us.

  • Which doctor may I consult in case of illness?

    In principle, our insurance offers free choice of medical practitioners. However, in case of major out-patient treatment or any kind of in-patient treatment, please contact our claims office or emergency service as soon as possible. This will enable us to quickly settle the costs for your medical treatment with the doctor or clinic and you won’t be asked to make an advance payment.

  • Which documents do I need to submit to be reimbursed for medical costs?

    We kindly ask you to submit invoices (practitioners’ invoices, prescriptions, etc.). Invoices must carry the following information: name of patient, description of illness, itemised list of medical treatments, and overall treatment costs. In addition, please submit a copy of supporting documents (medical reports, police reports, etc.).
    Please send the complete documentation along with the claim form to our claims department.

  • What do I need to do in case of in-patient treatment?

    For any kind of in-patient treatment, please contact our emergency service. This will enable us to attend to your needs as quickly as possible. You will also avoid an advance payment.

  • What do I need to do in case of emergency?

    In any kind of emergency, please contact our emergency service staff who will provide cost guarantees or arrange for quick repatriation.

  • Which rules apply in case of pre-existing conditions?

    The acute and unforeseeable deterioration in health related to prior or chronic illnesses shall be covered. If you suffer from a pre-existing or chronic illness, it is advisable to ask your general practitioner in your home country to certify in writing that you are fit to travel before you go abroad.

  • Am I covered for sports activities during my stay abroad?

    In principle, any kind of sports activity is covered. However, your accident insurance does not cover claims resulting from participation in private or official high speed racing.

  • Does this insurance cover third party liability if I drive a motor vehicle in a foreign country?

    No, the use of motor vehicles is not covered by this liability insurance.

  • Can I extend my insurance period if I decide to prolong my stay abroad?

    Yes, that is no problem at all. For this purpose, please contact your contact person at the coordinating university in good time before your insurance expires.

  • What is a return transport and when am I entitled to it?

    The return transport of the insured person is the medically reasonable and justifiable transport of the insured person to the place of residence in the home country or to the nearest suitable hospital to the place of residence if, due to illness or possible undersupply, treatment cannot or can only be carried out inadequately in the country of travel.

    In the event of repatriation, the insured person is dependent on either medical supervision or a special medical facility, such as an extra seat in the aircraft or intensive care transport by ambulance flight.

    Trained medical staff decides and plans the medically reasonable and justifiable return transport based on the respective needs of the patient.

    If there is an emergency situation that may require a return transport, please contact the assistance.

  • Praise, questions, criticism or suggestions?

    Your opinion is important to us!

    • Do you feel in good hands with DR-WALTER?

      We would be pleased if you would take the time to write a review on Google, Facebook or Trustpilot. In this way you will not only help us to further improve our service, but also help other customers who are looking for the right insurance.

    • In which areas can we still improve?

      If you still have unresolved issues or are not satisfied with our service, you can of course contact the relevant specialist department or the complaints management department ( You can also reach us via our Contact form. For further information on questions regarding complaint handling, please see our legal notice.

Do you require advice?
Your contacts:
Corporate Clients

Patricia Cürten, Nancy Kannenberg and Sandra Battocchio from our International Programs Team.

Phone: +49 2247 9194-945
Fax: +49 2247 9194-306