Travel Insurance FAQ

Frequently Asked questions

1. Where am I covered?

The insurance provides coverage worldwide. However, it does not cover you in your home country.

2. When does the Emergency Room (ER) co-payment apply?

In case of treatment in an emergency room which could have taken place in an out-patient facility, the reimbursement shall be reduced by a co-payment of EUR 200. This means for a non-emergency treatment (e.g. in case of a flu, a bad stomach etc.) you should visit an out-patient facility like a doctor’s office or a walk-in clinic and not an ER. The co-payment of EUR 200 does not apply for ER visits in case of emergency or if you are hospitalized.

3. What do I do if I am admitted to a hospital?

You are required to contact the our Emergency Service within 24 hours in the event of hospitalization. The emergency service will provide the hospital with a guarantee of payment and will settle the bills directly.

4. Are pre-existing conditions covered?

A pre-existing medical condition is covered only if it has been stable for at least 6 months prior to departure from your home country. If you submit a claim please make sure that you include proper documentation from a physician stating that the condition was not present 6 months prior to the start of the policy.

5. Why is the ID Card so important?

Your insurance ID Card summarizes all necessary information you need if you have to go to a doctor or a hospital. Here you find the emergency phone numbers for a hospitalization and for out-patient treatment (e.g. doctor’s office, walk-in clinic etc.), as well as a claims address and necessary information for the physician (e.g. co-payments). You always have to bring your ID Card for any medical treatment you might need. When calling the emergency hotline the following information will be requested: the Customer Number (listed on top of the ID Card), the name of the organization you are traveling with, your name and your date of birth.

6. Is medicine included?

Medicine prescribed by a physician is covered. For reimbursement please send the original prescription, the receipt and a short documentation from the doctor stating that the medicine is necessary for your treatment.

7. When do I need to fill out a claim form?

If you are in the US and your claim is settled directly with the physician through UnitedHealthcare there is no need for you to fill out a claim form. If you are outside the US, you will need to pay and then send to us a claim form with the original receipts for reimbursement.

8. When does the co-payment apply?

If your health insurance policy includes a co-payment it applies for outpatient treatments and has to be paid once per accident or illness. Your physician will collect the co-payment directly at your first visit. It does not apply in case of hospitalization.

9. Can I extend my coverage if I decide to stay abroad for a longer period?

Yes, you can extend your coverage if you decide to stay abroad for longer than planned. Please fill in the insurance form for required additional dates. You will be asked to pay an additional premium for the extra days. Please note that any illness or injury which has come into existence, or has shown symptoms, or has been diagnosed in the previous insurance period shall not be covered in the extended insurance period.