Travel insurance

International health insurance covers any medical incidents that may occur while traveling on vacation. On the one hand, it comes into effect if medical care is required during the vacation. On the other hand, this insurance also covers additional repatriation costs. Medically necessary repatriation from abroad is usually not covered by compulsory health insurance.

Trip Cancellation Insurance comes into effect if a trip has to be canceled before departure. Common reasons for canceling a trip are serious illness, death or complicated pregnancy. In such cases, trip cancellation insurance covers the insured's expenses related to the cancellation of the trip. An important condition is that the incident is unforeseeable - for example, foreseeable trip cancellation is not covered by insurance. Usually a fixed deductible of 20% is charged for trip cancellation. This amount is deducted from eligible expenses, which the insurer reimburses in the event of a claim.

If luggage is lost, stolen or damaged while traveling, baggage insurance comes to the rescue. Luggage can be damaged while traveling, in an accident, fire, flood or storm. Typically, the insurance will reimburse the current value of the contents of the luggage. Such insurance is especially useful for expensive luggage or long trips.

Trip interruption insurance comes into effect if a vacation trip has to be canceled early. It reimburses the insured for the cost of unused travel services and any additional accommodation and meal expenses. The insurance also pays out if a group trip is canceled due to an insured event. This insurance is especially worth considering for longer trips.

If an insured event occurs during a trip that results in permanent disability or death of the insured, accident insurance pays out money. This insurance is therefore particularly useful for active vacations such as mountain tours, diving or trips involving a lot of sports. Some insurance policies also include compensation for damaged sports equipment such as bicycles. Theft of sports equipment is also covered.

Health insurance for foreign visitors is a prerequisite for obtaining a visa in the Schengen area if you are inviting guests from non-EU countries who require a visa to enter the EU. This travel insurance covers the high costs of medical repatriation of the insured person to a hospital in the place of residence anywhere in the world.

With annual health insurance, policyholders pay a small amount per year and thus cover trips of normal duration. Annual health insurance may cover several vacation trips in one year, but not one long trip. Compulsory health insurance does not provide sufficient coverage for vacation trips because it does not include, for example, repatriation.

Rental car insurance covers the cost of damages caused when using a rental car. There are three types of insurance: comprehensive, liability and theft insurance. Comprehensive insurance limits the cost of repairs that the renter may require. Theft insurance protects against the attempted or successful theft of a rental car. Liability insurance covers damage caused by the rental car to other people or their property.

A health insurance policy is a compulsory document for obtaining a student or pupil visa, as well as a residence permit for the purpose of studying abroad. According to immigration regulations, health insurance is required when there is a visa-free regime between the student's country of residence and the country where he or she is studying.

Students who plan to study abroad can insure their stay for a period of 365 days. If the study lasts more than a year, the insurance policy is taken out first for the first 365 days; 10 days before the expiry of the policy, the student or pupil must apply for an extension of the insurance for the next period.

In order to obtain a work visa and work in a foreign country, an employee who is not registered with the health/social insurance system of the country where he/she works must obtain a private health insurance policy. This policy must comply with the legal requirements of the country.

The contract must regulate the stay abroad of the place of citizenship/permanent residence for work and must cover the entire period of stay with no limit on the number of days of continuous stay in the country of work (except for occupations involving regular travel to the insurance territory). When obtaining a residence permit for the purpose of employment or for other reasons, an insurance policy valid with a residence permit is required. If the term of the employment contract is more than one year, the insurance policy must be taken out for 365 days. At the end of the policy period, a new insurance contract must be concluded for a new period.

Group insurance differs from individual insurance in that it covers not one, but a whole group of people united by a common journey, according to the terms of the insurance contract. The main insurance policy is usually held by the group supervisor or official representative for groups of minors, and the other members of the group may have copies of the policy to prove their coverage. Group insurance can be arranged for various periods of time, from a single sporting event to an entire year, which is especially convenient for creative teams that frequently travel abroad.

Usually the basic set of services that motorhome insurance companies provide include:

Public liability Accident insurance Travel assistance Travel assistance Making a damage claim

Older people have the option to expand this list by adding additional coverages for more protection, such as theft, window damage or solar panels.

Like any vehicle, a bus can encounter technical malfunctions that can jeopardize the safety of passengers. Although you cannot control the technical condition of the bus, you can protect yourself and your loved ones from financial losses in case of an accident by taking out bus travel insurance. If a passenger is injured in an accident, the insurance company reimburses all or part of the costs of emergency medical care, transportation, treatment and rehabilitation. The amount of payments depends on the severity of the injury and the insurance company's tariffs. In case of death of the insured, his family will receive the full sum insured. Bus travel insurance can also compensate for expenses if you, for reasons beyond your control, are late and lose your paid hotel room or do not have time for other transportation.

Active vacations in the mountains, including climbing and trekking, have many health benefits but also carry a number of risks. It is important to have mountaineering insurance to ensure timely assistance in case of emergency. Mountain hikers and climbers face various dangers. Some of them are related to the peculiarities of nature in the mountains: avalanches, rockslides, ant hills, glaciers and cracks in glaciers that can cause injuries, including serious ones. Other frequent problems include:

• altitude sickness - oxygen deprivation due to thin air, exacerbated by high humidity, fatigue, and dehydration;
• injuries due to human error - including safety violations, inadequate training, or lack of team coordination;
• hypothermia due to the harsh mountain climate;
• skin and retinal burns due to intense ultraviolet radiation.
• Climbers also have the risk of getting lost if they deviate from the route. This usually happens in bad weather conditions such as thunderstorms, squally winds, snowfall, or in fog.

When engaging in outdoor activities at a ski resort, there is a chance of getting injured. Even professional athletes are at risk of bruises, sprains and fractures, not to mention ordinary skiing and snowboarding enthusiasts. Anyone traveling to the snowy slopes should be aware of the risk and severity of possible injuries. Sports insurance helps to reduce financial risks associated with unexpected medical expenses. The right insurance program will cover medical expenses and other costs in accordance with the terms of the contract.

If you hire a domestic helper, cleaner, nanny or gardener, you are an employer. You therefore need to take out compulsory accident insurance for your domestic staff.

Typically, flight insurance is a contract between you and an airline travel provider or insurance company that defines the terms and situations under which you will be reimbursed for non-refundable airfare if your trip is canceled. Airline ticket insurance, which you purchase from an airline or travel agent when planning your trip, reimburses you for the cost of your airfare if you are unable to fly due to unforeseen circumstances such as illness or injury. This basic type of insurance usually does not offer additional benefits. However, there are other forms of flight insurance that may be available to you when you book your air travel.