Premiums

PROTRIP-WORLD is more than a travel health insurance. By buying one of the additional insurance packages consisting of accident, liability, baggage and assistance insurance, you will get comprehensive insurance cover. In addition to that, health insurance is available with or without a deductible. The deductible amounts to €50 per case.

Comprehensive cover for little money as our infographic illustrates.

PROTRIP-WORLD offers tailor-made insurance combinations. For the corresponding premiums, depending on age, reason for traveling, and booking date, please refer to the following overviews.

International Health Insurance for...

Travelers up to 29 years

You are under 30 years of age and are planning a trip? With the international health insurance of PROTRIP-WORLD you are well prepared for your stay abroad. The big plus: This insurance can be taken out before as well as after departure.

Travelers between 30 and 49 years of age

This is the right overview for all travelers between 30 and 49 years of age. Here too, the insurance can be taken out before and after departure.

Educational travelers up to 29 years, booking the insurance before departure

You are planning to use your trip for further education? For example as an au pair, high school student, Work and Travel participant, volunteer, trainee, language and exchange student, student or doctoral student? In this case, we can offer you an even better rate. To benefit from this, it is irrelevant if only a part of your trip has an educational purpose. The only requirement is that you are not older than 29 years of age and that you take out the insurance before departure.

Useful Supplements

For all travelers

Especially for educational travelers

Both packages only differ in the extent of the liability insurance. The Plus Package for example covers against risks during an internship if it is part of studies or of an Erasmus Plus program. The exact differences can be found in the detailed list of benefits.

Europe within the meaning of this policy

Elements of the premium

PROTRIP-WORLD is a group contract solution consisting of one or several legally independent insurance contracts. PROTRIP-WORLD provides insurance cover during trips abroad for members of the LAC Living Abroad Community e. V. (LAC) and for participants of affiliate partner companies and organizations. Upon your signature of the contract, you will receive a certificate of enrollment that will provide you with information on insured persons and range of services.

The monthly premium consists of the LAC membership fee (€0.01/day), health insurance premium and - if chosen - an additional combination of liability/accident insurance premium, assistance insurance premium and baggage insurance premium.

The premium for the supplement packages consist of €3.00 for the combination of liability and accident insurance, €1.50 for the assistance insurance, €2.10 for the baggage insurance and, if chosen, €4.70 for the liability plus insurance.

Payment details

The premium for this policy is to be paid at the conclusion of the insurance contract for the entire term of the insurance. You can choose from the following payment options:

a) credit card: Maestro, Mastercard, Visa, JCB, Diners, Discover or American Express;

b) SEPA Direct Debit;

c) online payment system: eps, Klarna/SOFORT Überweisung, iDEAL or PayPal.

The premium for this policy depends on the duration of the trip. Should you return early from your stay abroad, a phone call or an email is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. You only need to pay for the actual insurance period. No service fee will be charged for reimbursement.

For countries in the euro-zone:
Where the term of insurance exceeds one month, you can also pay in monthly installments via SEPA Direct Debit. The first installment becomes due at the start of insurance, the subsequent installments at the start of each following month.