Product Information Sheet on HanseMerkur Travel Insurance Care
Transcription
Product Information Sheet on HanseMerkur Travel Insurance Care
Product Information Sheet on HanseMerkur Travel Insurance Care College (PIB) You are interested in taking out travel insurance with HanseMerkur? A good choice! This information sheet is intended to give you a quick overview of the various options available. Please note, however, that this does not contain all of the information relating to your policy! For a full version of the contents of the policy, kindly refer to the insurance application form, the insurance policy and the terms and conditions of insurance, and later written agreements if any. Each of the following options for insurance cover is only valid if it is explicitly concluded by you, i.e. if it is included in the insurance cover selected by you! What type of insurance is this? Your insurance is a travel insurance that is valid for a limited period. The travel health insurance covers the costs for unforeseeable medically necessary outpatient or inpatient treatment due to illness or the consequences of an accident in acute cases during the stay abroad. What is the scope of your insurance cover? The scope of cover and the individual benefits are determined by the tariff selected. Benefits world-wide emergency service Basic medically prescribed medications and transports 50.00 EUR deductible pregnancy examinations and treatment in-patient treatment at a hospital (general nursing class - multiple-bed rooms no optional benefits) costs for treatment acc. GOÄ/GOZ basic version accident-related medical aids repatriation for medical reasons analgesic dental treatment (treatment and cost plan required if more than two teeth treated) repatriation/burial costs in event of death of the insured person deductible per insured event secondary liability cost for dental prosthesis (within 2 years of insurance term, qualifying period:8 months) replacement amount in event of a severe disease credit note for one month's premium if no claims in 12 months/insurance year accident-related dental prosthesis up to max. EUR 2,500.00 visual aids (up to EUR 100.00, 3 months qualifying period) Comfort Premium 25.00 EUR deductible up to 1.8 times the up to 2.3 times the rate of the scale of rate of the scale of fees fees up to 250.00 EUR up to 250.00 EUR up to 10,000.00 EUR 100 % 100 % (up to € 250.00 100 % (up to € 500.00 - above that 50%) - above that 50%) up to 2.3 times the rate of the scale of fees 100 % 100 % up to 10,000.00 EUR up to 10,000.00 EUR up to 15,000.00 EUR 50.00 EUR 4 weeks only for gynaecologists – 4 weeks 8 weeks 50 % up to max. 70 % up to max. 500.00 EUR 1,000.00 EUR – 100 % – up to 1,500.00 EUR up to 2,500.00 EUR – – – – – All the details are an extract from the list of benefits. For the exact scope of benefits please refer to the Terms and Conditions of Insurance. Product information sheet: Care College V01.20130702 Page 1 of 3 How much is the premium and when is it payable? What happens if you do not pay? Your insurance premium is a monthly premium. It is based on the selected tariff and period. Please note that, in the case of contractual periods of more than 18 months, the premium will be increased from the 19th month. For the current premiums, please see the following list. You can find the exact premium for the respective cover in that list. The first or single premium is due when the contract begins. Cover begins at the earliest from payment of the premium. If the amount of the first or single premium is not paid on or before the due date, the insurer providing cover is entitled to withdraw from the contract unless you are not responsible for non-payment. If you fail to pay one or several subsequent premiums after being called on to do so by a certain date by the insurer providing cover, the insurer is entitled to terminate the insurance contract. Please see the Terms and Conditions of Insurance for further details (§ 3, Teil A, Allgemeine Bedingungen der vereinbarten Versicherungsbedingungen). Premium table Care College tariff Basis duration 1 - 18 starting months month 19 EUR/month 26.00 48.00 Comfort 1 - 18 months 33.00 starting month 19 56.00 Premium 1 - 18 starting months month 19 57.00 79.00 What is not covered? We exclude some cases from cover, since we would otherwise have to demand a very high premium. Examples of insured events that are generally not insured are events in which the policyholder or insured person wilfully caused the insured event, the insured event is caused by foreseeable acts of war or civil unrest or in which the policyholder or insured person attempt to fraudulently misrepresent the circumstances that are of significance with regard to the reason for or amount of the benefit. In addition, there is no cover in particular - for treatment abroad, which was at least also a reason for the start of the journey, - for addiction treatment or cures, - for hypnosis, psychoanalytical or psychotherapeutic treatment, - for treatment or accommodation due to infirmity, need for nursing care or custody and - for organ donations and their consequences. You will find full details on the limitations of cover in the Terms and Conditions of Insurance (§ 6, Teil A: Allgemeine Bedingungen der vereinbarten Versicherungsbedingungen). Duties (obligations) to be complied with: What obligations arise at the time of conclusion of contract? At the time of conclusion of contract you must have disclosed all information fully and truly. If you fail to do so, your insurance cover is endangered! What obligations do you have to fulfil if an event covered by the insurance occurs? Make sure that the damage incurred remains as small as possible! Avoid everything that might lead to an unnecessary increase in costs. Notify HanseMerkur immediately about the damage incurred. For further obligations, please refer to “Obligations” in the Terms and Conditions of Insurance (§ 7, Teil A: Allgemeine Bedingungen der vereinbarten Versicherungsbedingungen). What are the legal consequences if you fail to meet your obligations? Very important: If you violate your obligations, HanseMerkur is entitled to reduce the benefits due by an amount corresponding to the gravity of the violation. This can even lead to a complete loss of insurance cover. For more details in this connection, see the Terms and Conditions of Insurance (“Obligations” and “Violation of Obligations” § 7 III, Teil A: Allgemeine Bedingungen). Product information sheet: Care College V01.20130702 Page 2 of 3 When does your insurance cover begin and when does it end? The insurance cover begins with the payment of the premium at the earliest, though not before the agreed date of commencement, and it ends - on the agreed expiry date, - at the end of the insurance contract, - on the date on which one of the requirements for the insurability of the insured person ceases to apply, - at the end of the stay abroad. For further details, please see the Terms and Conditions of Insurance (§ 4 (3), Teil A: Allgemeine Bedingungen der vereinbarten Versicherungsbedingungen). To whom must you submit your declarations? All declarations regarding your insurance relationship must be addressed to: Care Concept AG, Postfach 33 01 51, 53203 Bonn Phone: +49 228 97735-0 Fax: +49 228 97735-35 E-mail: [email protected] If your declaration is received by Care Concept AG, it is also deemed to have been received by the responsible insurer. Product information sheet: Care College V01.20130702 Page 3 of 3