Travel insurance
As travel insurance refers to insurance contracts , the various risks associated with travel cover.
Types of travel insurance
As travel insurance insurance are called, which will be completed in the context of travel. The most important are trip cancellation insurance , travel insurance , travel accident insurance , baggage insurance , trip cancellation insurance and travel rebooking insurance ; more insurance companies are: Travel personal liability insurance , travel legal expenses insurance and travel assistance insurance . These insurances are offered individually or in combination (insurance package) by insurance companies , credit card companies and traffic clubs, among others .
Travel cancellation insurance
→ Main article: Travel cancellation insurance (RRV)
A trip cancellation insurance (in Austria, trip cancellation insurance called) protects the insured against charges that may arise when the already booked trip can not be started. Under certain conditions, such as accident, death or illness of the insured person or a close relative, the cancellation fees are covered in whole or in part.
Trip cancellation insurance
→ Main article: Trip interruption insurance
Travel interruption insurance covers the costs that arise when a trip has to be interrupted for certain reasons. Depending on the insurance contract, return travel costs and cancellation costs for the rest of the trip will be reimbursed in full or in part.
Travel health insurance
Travel health insurance protects the insured against medical and treatment costs that may arise abroad in the event of illness. The amount that is not covered by the statutory health insurance (through social insurance agreements with other countries) is partially or fully covered. A home transport of the insured person as a result of a serious illness or an accident can also be covered by travel health insurance.
However, the chronically ill are not adequately protected with travel health insurance alone. Because she often does not pay if treatment abroad was foreseeable. Patients must fill this gap with the help of their health insurer before they travel. But the health insurance does not always have to be involved in known illnesses, because if an illness is inconspicuous for a longer period of time (such as an allergy), but then suddenly deteriorates at the holiday destination, it is an unexpected deterioration Insurance coverage takes effect. How long the illness must be inconspicuous before the trip so that the insurance cover takes effect in the event of sudden symptoms is specified in the insurance conditions.
Travel accident insurance
Travel accident insurance covers any financial disadvantages incurred in connection with an accident while traveling. Benefits from the insurer are mostly received in the event of permanent disability , for rescue and return costs and in the event of death.
Luggage insurance
Luggage insurance replaces luggage that is lost while traveling under certain conditions (e.g. luggage monitoring) up to an agreed maximum limit. However, coverage through household contents insurance can also be considered . In the event of gross negligence, for example if a valuable watch is stolen from a sleeping traveler who has neglected to cover his watch, the insurer can reduce his benefit proportionally.
Travel rebooking insurance
A travel rebooking insurance covers rebooking costs in the amount stipulated in the contract if a trip has to be rebooked for certain reasons.
Individual evidence
- ↑ a b c d Chamber of Labor Upper Austria - Travel Insurance ( Memento of the original dated November 18, 2009 in the Internet Archive ) Info: The archive link has been inserted automatically and has not yet been checked. Please check the original and archive link according to the instructions and then remove this notice.
- ↑ a b Insurance Association Austria - Travel Insurance ( Memento of the original dated August 7, 2009 in the Internet Archive ) Info: The archive link was inserted automatically and has not yet been checked. Please check the original and archive link according to the instructions and then remove this notice.
- ^ Stiftung Warentest: Health insurance: Chronically ill on vacation , In: Finanztest 4/2013, p. 67 and test.de of April 8, 2013, accessed online on May 15, 2013
- ↑ Orientation aid : New model conditions for insurers in the event of travel cancellation . fr.de. March 6, 2018. Retrieved January 18, 2019.
- ↑ Düsseldorf Higher Regional Court of November 15, 2005 - 4 U 12/05
literature
- Hubert W. van Bühren / Irmtraud Nies, travel insurance. Resignation - demolition - sick - luggage. Commentary , 3rd edition, Munich 2010, Verlag CH Beck, ISBN 978-3-406-58531-9
