Questions & Answers

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.

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.

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.

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

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.

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.

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

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.

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.