Insurable stay
 

The temporary tourist stay or the business travel of foreign guests in a host country as well as the onward journey to other host countries are covered.

Host country is deemed to refer to all states in the European Union, and Iceland, Liechtenstein, Norway and Switzerland. The country in which the insured person has a permanent place of residence is not deemed to be a host country. Cover begins at the earliest when the insured person enters a host country and ends at the latest with leaving the host countries.

The policy must be taken out before the trip begins and at the latest on the day the person enters the first host country.

For guests travelling to Germany, the following deadline for taking out insurance applies:

- Stays up to 31 days: The insurance can be taken out on the day of entry in Germany and on the following three working days (Monday - Friday).

- Stays from 32 days to 365 days: The insurance can be taken out on the day of entry in Germany and on the following 14 calendar days.

Backdating is not possible. The day of entry (start of the insurance) must be the date on which the insurance is taken out. Insured events that occurred before this date are not covered by the insurance.