When do I need international travel health insurance?

If you travel within the EU, you do not necessarily need your own international health insurance, but costs can also arise here. Statutory health insurance also pays within the EU, but only the costs that would also arise in Germany. In addition, the patient must bear the costs themselves.

However, if you travel to countries outside of Europe, you should take out international health insurance, because the statutory health insurance does not pay there.

Where do I need travel health insurance

Basically, in countries of the European Union and in Switzerland you do not necessarily need a special international health insurance. Those affected can go directly to a doctor, hospital or other so-called service provider with the European Health Insurance Card.

Important: If you have a pre-existing condition before you start your trip, your travel health insurance will generally not pay for any medical treatment.

Is my family also covered by this insurance?

No, the travel health insurance must be taken out individually for each person.

What does the foreign travel health insurance cover?

International health insurance reimburses the costs of medical treatment abroad. If you or one of the insured persons falls ill on the trip, the costs for treatment, medication or even transport home will be covered by the insurance.