Travel Health Insurance

Asia Exchange recommends the STAY Travel Insurance of HanseMerkur for insuring your health abroad. It is an excellent choice for everyone who wants to travel or stay abroad for a longer period of time. All kinds of sports are covered as well! The insurance can be booked by anyone everywhere.

This travel health insurance has no maximum coverage for e.g.:

  • out-patient medical treatment & in-patient hospital treatment
  • drugs, operations, physiotherapy, dental treatment
  • transport to the hospital & return transport to home country

Protection in home country in case of cancellation: When your insurance period is at least 7 months, you will remain insured in your home country if you interrupt and then continue your journey within the insurance period. The protection applies for a period of 3 weeks in the first year of insurance and for 6 weeks in every further year. This way you will remain insured in case you choose to return home from abroad for a short period of time.

You can between “Basic” and “Premium” insurance. “Premium” offers these additional advantages, among others:

  • medical check-up incl. pregnancy check-up, dental check-up, gynecological check-up
  • no deductible

Coverage: stays abroad. The state territory of the Federal Republic of Germany and the state territory in which your residence is located on contract conclusion are not deemed to be abroad.

Insured benefits

Out-patient and in-patient medical treatment abroad:
Costs of necessary curative treatment resulting from illness or accident100 %100 %
Chronic or existing conditions unexpectedly becoming acute100 %100 %
Medically necessary pregnancy treatment caused by complaints100 %100 %
Childbirth up to the end of the 36th week of the pregnancy (premature birth)100 %100 %
Treatment due to miscarriages100 %100 %
Treatment due to medically necessary abortions100 %100 %
Pain-relieving, conserving dental treatment, including simple dental fillings and repairs of existing dental prostheses (per insured year)300 €100 %
Costs of dental prostheses, if these become necessary for the first time as a result of an accident during the insured period500 €500 €
Medication and dressings prescribed by a physician100 %100 %
Medically prescribed radiation, light and other physical therapies100 %100 %
Medically prescribed massages, medicinal packages, inhalations and physiotherapy100 %100 %
Medically prescribed aids as a result of an accident100 %100 %
Diagnostic radiology100 %100 %
Operations that cannot be postponed100 %100 %
Medically necessary rehabilitationno100 %
Initial and one-off out-patient treatment of psychoanalytical and psycho-therapeutic diseases by a specialist during stays in the USA and Canada as well as compensation of costs for a return trip to the home country, if in-patient treatment becomes necessary100 %100 %
Out-patient psychoanalytical treatment during stays in the USA and Canada: 5 sessions (max. 750 €) per insured yearno100 %
Medical check-ups abroad:
Prenatal care examinations to the extent that pregnancy commenced after contract inceptionno100 %
Births by physicians (waiting period 8 months)no100 %
Out-patient examinations for the early diagnosis of diseases according to the programs introduced by law in the Federal Republic of Germany (targeted prevention screenings, waiting period 6 months, per insured year)no500 €
Gynecological examination for women for the early diagnosis of cancer (waiting period 6 months, per insured year)no100 €
Dental check-up according to the programs introduced by law in the Federal Republic of Germany (targeted prevention screenings, waiting period 6 months, per insured year)no100 €
Provision of information:
Options regarding medical care in case of illness or accident: via the emergency service100 %100 %
In case of in-patient treatment abroad due to illness or accident: set up of contact and transfer of information between the insured person’s GP and the treating hospital physicians: via the emergency service100 %100 %
In case of in-patient treatment abroad and on request: transfer of information to relatives100 %100 %
Premature birth abroad:
Childbirth up to the end of the 36th week of the pregnancy: costs of medical treatment abroad of the newborne baby up to 50,000 €yesyes
Care services abroad:
In case of in-patient treatment of an insured child up to 18 years: costs of accommodating a companion in the hospital100 %100 %
Organisation and compensation for the supervision of a child up to 18 years, who must continue or abandon the trip alone, to the extent that all companions or the only companion accompanying the child on the trip cannot continue the trip as planned, or must abandon the trip, because of death, a severe accident or unexpected severe illness100 %100 %
Dispatch of required medically prescribed medication to the insured person, if prescribed medication is lost during the journey (costs of the replacement substances themselves are not covered)100 %100 %
In case a hospital stay of the insured person will exceed 5 days: compensation of costs of transport for the return trip of one close person to the hospital location and back100 %100 %
In case the booked stay is disrupted or prolonged as a result of the hospital stay: compensation of costs of the insured person and the insured fellow traveler for overnight costs of up to 10 days, max. 2,500 €yesyes
Transport / transfer / funeral expenses:
Compensation of additional costs of a transport back to the nearest hospital at the insured person’s place of residence, to the extent that a transport makes medical sense and is justifiable or if, according to the treating physician’s estimate, hospital treatment abroad is likely to exceed 14 days100 %100 %
Costs of a companion or, if necessary, an accompanying
physician, to the extent that this attendance is medically necessary, officially stipulated or specified by the company performing the transport
100 %100 %
Compensation for the costs of transporting a sick person for in-patient treatment in the nearest suitable hospital and back to their accommodation100 %100 %
Compensation of additional return travel costs in case of a delayed return from the journey after a hospital stay of at least 10 days100 %100 %
Compensation of additional return travel costs of accompanying insured persons in case of disruption or prolongation of their stay as a result of a medically sensible transport back of an insured person100 %100 %
Compensation for additionally required costs incurred as a result of the demise of an insured person due to transporting the deceased to their permanent residence100 %100 %
Compensation for the costs of a funeral abroad up to the amount that would have been incurred for a transport home100 %100 %
Organisation and costs of the additional transport of luggage to the extent that all co-insured adults were transported back or are deceased100 %100 %
Subsequent performance abroad:
If illness during the stay abroad makes necessary curative treatment exceeding the end of the coverage because the journey back is no longer possible as a result of an inability to travel, for which evidence has been provided, benefits must be paid under these conditions (including for a transport back if this becomes necessary) until the ability to travel is restored100 %100 %
Further benefits:
Phone costs on contacting the emergency center (25 € per claim)yesyes
If all curative treatment costs incurred abroad, which are covered by the payment obligation in this insurance, are submitted to another service provider / insurance company participating in the compensation
of costs before the claim is submitted to us, we pay – in
addition to the compensation of costs – an additional 50 € per day for in-patient hospital treatment lasting for a maximum of 14 days. In the case of out-patient treatment (regardless of the number of treatments and diseases), we pay an additional one-off amount of 25 € per treated person.
Alternative hospital daily benefits (max. 30 days, 50 € per day) instead of the costs invoiced abroadyesyes
Deductible per claim:100 €no
Insurance coverage in home country (temporarily return home):

Temporary return to the home country incl. return travel back to the destination abroad within the insured period of time

Insured period of 7-12 months: 3 weeks of coverage in the home country; insured period of at least 13 months: 6 weeks of coverage in the home country per insured year. Coverage is given for necessary medical treatment of illness or accident occuring during the home stay.yesyes

Table of Premiums

Travel Health Insurance (excl. USA & Canada)
Duration of stay:Monthly premium per personMonthly premium
Up to 39 years40-65 yearsPer family
1 – 12 months28 €39 €32 €44 €75 €96 €
1 – 60 months31 €41 €35 €46 €93 €116 €
“Mixed stays”: Premiums “excl.” USA & Canada also are applicable in case of mere transits stops in the USA or Canada for any insured period or in case of stays of max. 14 days in the USA or Canada, if the insured period is at least 7 months. Otherwise, the whole period of stay must be insured by premiums “incl.” USA & Canada, if no of these exemptions is given.

Please read the Full Terms & Conditions.

  • Booking period: at any time until departure
  • Your insurance policy will be sent to you by email immediately after successful online booking.
  • Payment by installments possible only via bank account in Germany or Austria

Insurer: HanseMerkur Reiseversicherung AG


Book your insurance now