Annual travel insurance gives you the best possible protection all year round. It applies for an unlimited number of trips in a given year and is valid worldwide. Insurance with a term of one year (annual insurance) tacitly renews after expiry of the one-year contract term (insurance period) for successive terms of one year each, provided that neither the policyholder nor HanseMerkur International terminates the contract in writing giving one month’s notice.
If you cannot embark on the trip, contractually owed cancellation costs incurred for an insured reason will be reimbursed. Cancellation insurance also includes the following benefits:
If the start of your trip is delayed:
If you rebook your trip:
A claim or insured event refers to a scenario in which the insured risk materialises, triggering the insurer’s benefit obligation. This can include, for example, an unexpected and serious illness prior to the trip in cases involving travel cancellation insurance, but also the loss of luggage in cases involving luggage insurance.
If you want to report a claim, please refer to the information on our website. You can find tips there for what to do in the event of a claim. We also provide you with further information on what to do in an emergency.
For products featuring cancellation insurance (travel cancellation insurance), there is a conclusion period of 30 days after booking your trip. Insurance for foreign-national visitors can be taken out up to five days after they arrive in Switzerland. All other travel insurance policies can be taken out at any time before you embark on the trip (at the same time as, or after, the travel booking).
The insurance cover for cancellation insurance starts upon delivery of the insurance policy. For all other types of insurance, the insurance cover also starts upon delivery of the insurance policy, but at the earliest upon commencement of the insured trip.
Our 24-hour emergency hotline service is available for any emergencies you have while travelling. It is available any time and across the globe, including on Sundays and public holidays. Our worldwide emergency hotline service for travellers is available round the clock: +41 43 550 21 21
Important things for us to know in an emergency:
A family is considered to be no more than two adults and any accompanying children up to the age of 21 (i.e. their 21st birthday), irrespective of the family relationship or place of residence, but not more than a total of seven persons.
The General Conditions of Insurance set out the rights, duties and obligations incumbent on HanseMerkur International AG and the policyholder. They also include provisions governing the inception, term and termination of the insurance cover. The General Conditions of Insurance also provide a precise description of the benefits provided (content, scope, insured events) and, where appropriate, a definition of the persons at risk.
You can find the General Conditions of Insurance on our detailed product pages or in the download centre. We also make them available to you during the booking process and after you take your insurance out online.
Medical expense insurance is one of the most important types of travel insurance. It protects you in the event you are involved in an accident or fall ill unexpectedly during your trip. This means that you can relax in the knowledge that you are well protected during your holiday, too. Medical treatment can be a very expensive matter in other countries. As a result, HanseMerkur’s medical expense insurance offers assistance and the assumption of costs for:
You can pay for your insurance on account or by credit card (Visa, Mastercard, American Express, Diners Club).
Our personal assistance includes emergency assistance round the clock. Insured benefits include:
In the event of illness, accident, death:
In the event of loss of means of payment and mobile phones during travel:
In cases involving significant damage to property (at least CHF 2,500):
In the event of a breakdown involving your bicycle or an accident:
The following relatives of the insured person are persons at risk:
The following persons may also be persons at risk:
Means of public transport are considered to be those means of transport which run regularly on the basis of a timetable and for which a ticket must be issued for use.
A trip is considered to be a stay of more than one day outside the usual place of residence or a stay of shorter duration in a place at least 25 kilometres from the place of permanent residence, excluding commuting to and from work.
A trip is considered to have been interrupted if you end your planned stay early to travel home (e.g. because you are ill). You can use trip interruption insurance to insure the costs incurred as a result (e.g. to rebook your flight).
We need the trip price to calculate the premium. Please add all of the costs associated with your trip up, for example the cost of your hotel, flight, rental car, etc.