Limited legal protection abroad
The bags are packed and soon it's off to the mountains or to the sea: A family vacation is the best time of the year for parents and children. But especially when children are present, medical treatment may be necessary due to an accident or illness. In such cases, you as a family should definitely take out international travel health insurance if you are not spending your vacation within Germany.
Although she pays Statutory health insurance medically necessary treatment also in other EU countries and in some other countries. But be careful: If doctors or clinics bill the patient directly, the health insurance company only reimburses the costs it would have to pay for treatment in Germany afterwards. If the costs charged abroad are higher, you are stuck with the difference.
When vacationing outside Europe, the statutory health insurance does not apply in the vast majority of countries. Anyone who does not take additional insurance on their own must bear the costs of medical treatment themselves.
Cheap additional insurance
This insurance gap can be closed at low cost, because international travel health insurance for the whole family costs just 20 to 30 euros per year. In return, you can rely on the fact that you and your family won't have to pay for expensive treatment out of pocket in the event of illness or accident abroad. Insurance is an annual policy that covers all vacation trips.
What you should pay attention to when graduating
If you want to take out international travel health insurance for your family, you should pay attention to the following points in addition to the price when comparing offers:
deductible. Some policies usually include a deductible of 100 euros per claim. In an emergency, you must pay this amount yourself.
Maximum age of children. If you have older children, you should check whether they are all covered. Some providers have an age limit of 18 years, others also insure older children free of charge.
USA and Canada. If you want to go on vacation in North America, then these two countries should definitely be included in your insurance coverage. Individual tariffs exclude the USA and Canada because medical and hospital costs are particularly high there.
