Extra tips for the right health insurance on vacation
Pay attention to the insured medical services. Do you like being active on vacation? Then medical treatment after sports accidents should be insured. Are you traveling as a family? Make sure that if your children go to hospital, the insurance gives you the opportunity to stay there together. Insurance companies often list this under the term “rooming-in” in their policy.
Tip: As a rule, you can recognize good insurance by the extensive coverage of medical services. Only illnesses that were known to a doctor before the trip are not insured.
Extra tip: Anyone suffering from a chronic illness should clarify the insurance cover personally with the insurance company in advance.
Of the medical repatriation should definitely be included in your insurance. Pay particular attention to the wording here. If your insurer writes that repatriation will only be accepted if it is “absolutely necessary”, then the assumption of costs is only guaranteed in this “absolutely necessary” case. If, however, your insurance documents say that the insurance will cover the costs if the transport is carried out “Sensible” is, you have a very good chance of a paid return trip.
Choose a worldwide insurance coverage. Otherwise, you not only have to check before each trip whether your destination country is within the scope of the insurance, but also, if necessary, take out additional health insurance for this region. Double insurance coverage is not a problem for trips abroad, as long as you inform the providers about the double insurance in the event of treatment abroad – but unnecessary costs arise from double insurance.
If you pregnant On vacation, we advise you to carefully check the insurance conditions. Good tariffs not only cover all examinations and treatments during pregnancy, but also pay for a delivery abroad.
Do you travel frequently for work? Make sure that your international travel insurance not only covers private trips, but also business trips.