With the Protrip German Traveler international health insurance, au pairs, work-and-travel participants, interns, language students, university students, volunteers, long-term travelers and non-posted employees are safely covered worldwide.
Please note: The insurance must be taken out before leaving the home country Austria/Germany.
The big plus: This insurance can be taken out directly for up to five years.
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What does deductible mean?
A deductible means that in the event of a claim, you will have to cover a certain portion of the costs yourself. Common types of insurance with deductibles include private health insurance, car insurance, and professional or business liability insurance.
The deductible, also known as an excess or co-payment, is usually subtracted per claim. When an insured event occurs, the insurance covers the costs exceeding the deductible, but only up to the agreed insurance sum.
If you choose a higher deductible, you may be able to obtain a lower insurance premium. This is because a higher deductible is advantageous for the insurer. In such cases, the insurer does not have to deal with minor claims, and the associated administrative costs are avoided.
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How can the premium be paid?
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:
- credit card:
Maestro, Mastercard, Visa, Diners, Discover or Bancontact
- SEPA Direct Debit
- online payment system:
eps, Apple Pay, 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. - credit card:
Insurance conditions and product information
For full details of the benefits, please refer to the consumer information Protrip German Traveler (German).
Our product product information sheet Protrip German Traveler (German) provides you with a brief overview of the main contents of your insurance.
This insurance can also be taken out after departure. So if you need follow-up coverage abroad or want to stay longer than originally planned, these are the applicable rates.
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What does deductible mean?
A deductible means that you have to bear a certain financial share yourself in the event of a claim. Classic insurance policies that have a deductible include private health insurance, car insurance and professional liability or public liability insurance.
The deductible, also known as the excess or personal contribution, is normally deducted per claim. If an insured event occurs, the insurance will cover the costs exceeding the deductible, but only up to the agreed sum insured.
If you opt for a higher deductible, you may be able to get a lower insurance premium. This is because a higher excess is advantageous for the insurer. In such cases, the insurer does not have to deal with small claims and the associated processing costs are eliminated.
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How can the premium be paid?
When paying by SEPA direct debit or credit card, we offer you the option of paying the premium monthly. Alternatively, a one-time payment for the entire insurance period is also possible.
All other payment methods are only available for a one-time payment for the entire duration of the insurance.
You can choose from the following payment options:
- Credit card
Monthly or one-time payment possible:
MasterCard, VISA, Bancontact, Diners Club, DISCOVER, Maestro
One-time payment possible:
AMERICAN EXPRESS
- SEPA Direct Debit
Monthly or one-time payment possible
- Online banking:
SOFORT, eps, iDEAL
- Online payment system:
PayPal, Apple Pay
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. - Credit card
Elements of the premium
Protrip World Traveler 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.
Insurance conditions and product information
For full details of the benefits, please refer to the consumer information Protrip World Traveler.
Our product product information sheet Protrip World Traveler provides you with a brief overview of the main contents of your insurance.
Are you planning to further your education during your trip? For example as an au pair, high school participant, work-and-travel traveler, volunteer, intern, language or exchange student, university student, or doctoral candidate?
In this case, we can offer you reduced premiums. It doesn’t matter if only part of your trip has an educational purpose. The only requirements are that you are under 30 years of age and take out the insurance before departure.
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How can the premium be paid?
When paying by SEPA direct debit or credit card, we offer you the option of paying the premium monthly. Alternatively, a one-time payment for the entire insurance period is also possible.
All other payment methods are only available for a one-time payment for the entire duration of the insurance.
You can choose from the following payment options:
- Credit card
Monthly or one-time payment possible:
MasterCard, VISA, Bancontact, Diners Club, DISCOVER, Maestro
One-time payment possible:
AMERICAN EXPRESS
- SEPA Direct Debit
Monthly or one-time payment possible
- Online banking:
SOFORT, eps, iDEAL
- Online payment system:
PayPal, Apple Pay
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. - Credit card
Elements of the premium
Protrip World Education 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.
Insurance conditions and product information
For full details of the benefits, please refer to the consumer information Protrip World Education.
Our product product information sheet Protrip World Education provides you with a brief overview of the main contents of your insurance.
Europe within the meaning of this policy
Europe within the meaning of this policy includes all EU countries, Norway, Iceland, Liechtenstein, Switzerland, Andorra, Monaco, San Marino, Vatican City as well as the Canary Islands, the Azores and Madeira. All other European overseas territories are excluded.
The following 27 countries are currently member of the European Union (EU): Austria, Belgium, Bulgaria, Croatia, Cyprus (Republic of Cyprus), Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.