Here you will find a detailed list of benefits provided by PROTRIP-WORLD-GRUPPE.
Patricia Cürten, Nancy Kannenberg and Sandra Battocchio from our International Programs Team.
Phone: +49 2247 9194-945
Fax: +49 2247 9194-306
Email: international@dr-walter.com
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 to and including the 12th week of pregnancy;
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. If the pregnancy had already arisen before the commencement of the insured stay, the insurance cover is restricted to acute and unforeseeable deteriora- tion in the health of the mother and / or child.
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 .
PROTRIP-WORLD-GRUPPE provides the following accident insurance benefits:
You will find a full description of benefits and benefit exclusions in the Insurance Conditions.
The insurance policy PROTRIP-WORLD-GRUPPE 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.
You will find a full description of benefits and benefit exclusions in the Insurance Conditions.
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.
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.
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.
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.
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.
The insured person’s entire baggage as well as his/her valuables such as jewelry, laptops, and video equipment is/are covered within the sums insured. The insurer will reimburse the baggage’s current value in case of theft, burglary, robbery, extortion with robbery, willful destruction or maliciousness on the part of third parties, accidents involving a means of transportation or an accident of the insured person and in case of storms, fires, lightning strikes, or explosions or force majeure.
The policy includes damage to furs, jewelry, objects made of precious metals, laptops, photographic and film equipment and portable video systems, including their accessories. For the aforementioned objects, the liability for damages per insured event is limited to a maximum of 50% of the sum insured of €2,000
The deductible for damages to baggage per insured event is €50.
You will find a full description of benefits and benefit exclusions in the Insurance Conditions.