Who can take out insurance?

Ideal for everybody

• Visitors or guests (visitor visa/marriage visa)
• Business travellers (business visa)
• Tourists (tourist visa)
• Group visitors (visitor visa for travel groups)

of foreign nationality (from a country subject to visa requirements) temporarily staying in the Federal Republic of Germany or within the sovereignty of those member states of the EU which have signed and fully abide by the terms of the Schengen Convention.

The following EU member states have signed and fully abide by the terms of the Schengen Convention: Austria, Belgium, Denmark, France, Finland, Germany, Greece, Iceland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain and Sweden.

The insurance cover complies fully with the stipulations of the RESOLUTION passed by the COUNCIL OF THE EUROPEAN UNION on 22.12.2003. (2004/17/EU).

What should I know?

• Max. acceptance age: 80 years
• Max. insurance period: 183 days
• Min. insurance period: 8 days
• Follow-up insurance prior to expiry: can be arranged by telephone, fax, e-mail or post; max. insurance period is 183 days
• Payment: single payment after conclusion
• Validity of policy: 12 months after issue for the agreed period
• Cancellation: free of charge subject to presentation of proof that a visa has been refused
• Stipulated self-retention in the travel health insurance: none

How much are the premiums?

mawista visa tariff

Duration of travel Single travellers per person up to 65 years of age Travel groups from 10 persons per person up to 65 years of age up to 8 days EUR 13 EUR 9 up to 15 days EUR 19 EUR 16 up to 31 days EUR 34 EUR 29 up to 45 days EUR 49 EUR 42 up to 62 days EUR 67 EUR 58 up to 92 days EUR 95 EUR 86 up to 183 days EUR 199 EUR 170

100 % surcharge for persons over 65 years of age and up to 80 years of age.

What benefits are insured*?

Travel health insurance Out-patient and dental treatment Medical treatment 100 %, without self-retention Medicine and dressing material 100 %, without self-retention Medically required walking aids and wheelchair rental 100 %, without self-retention Analgesic dental treatment and repairs to dentures and provisional inlays 100 %, max. EUR 250

In-patient treatment Hospital treatment (including emergency operations) in a general ward (incl. general medical treatment), not as a private patient!! 100 %, without self-retention Costs of transport to the nearest available hospital for in-patient treatment 100 %, without self-retention

Other benefits Burial or transfer costs max. EUR 10,000 Return travel to native country max. EUR 10,000 Extended liability until able to be transported, but for a max. period of 45 days from the commencement of treatment

Personal liability insurance Personal liability insurance: EUR 1 million EUR flat rate for personal injury and damage to property. Includes insurance cover for claims relating to damage to rented holiday apartments and hotel rooms, but not to the rented furnishings (EUR 250,000 cover for damage to rented property)!! insured

What benefits are NOT insured*?

The travel health insurance does not include insurance cover for:

• treatment and other medically defined measures which are the reason for travel;
• treatment and other medically defined measures, the necessity of which was known to the insured person, or which under the given circumstances should have been reckoned with, before the planned start of travel or at the time the policy was concluded;
• dental treatment other than analgesic treatment and repairs to dentures and provisional inlays costing more than EUR 250 per stay;
• massage and wellness treatment, as well as the procuration of artificial limbs and other aids;
• treatment of alcohol or drug-related illnesses and other addictions and their consequences, including return hospital transport;
• delivery after the 36th week of pregnancy and terminated pregnancies and their consequences, including return hospital transport;
• treatment or placement due to infirmity, the need for nursing care or custody (including return hospital transport);
• treatment of psychiatric or mental disorders, as well as hypnotism and psychotherapy (including associated medication and return hospital transport);
• injuries suffered as a result of active participation in competitions organised by sport organisations and related training (including return hospital transport).

What happens if your guest does not receive a visa?

If your guest is not allowed to enter the country, you can apply for reimbursement of the insurance premiums. The application must be submitted within 30 days following the refusal to grant a visa.

To receive reimbursement of the insurance premiums, you must submit the original insurance policy together with the notice of rejection from the embassy or consulate and a full copy of your guest’s passport. Please take note, that the reimbursement of the premium will be done after the policy expires, that means after 12 Month.

How do I take out the insurance?

Online:
You can take out your insurance over the Internet using our online form. Simply enter your personal details. You can then immediately print the insurance confirmation or policy.

Post or fax:
Simply download the German-English application form as a PDF file, complete it, and then send it by post or fax it to the address on the form.

Application as PDF file

You will receive your insurance policy after a few days (it can also be sent by fax or e-mail upon request). The charges will be debited from your account or credit card.

What should I do in the event of a claim?

What do I have to do in all claims cases?
The insured person must keep the claim amount as low as possible and provide proof of the costs incurred. Therefore, please make sure to gather suitable proof for the time the claim is to be made (e.g. confirmation of ill health, doctor’s report) and the scope of the claim (e.g. bills, documentation).

What should I do in the event of illness, injury or other emergencies while travelling?
(Travel health insurance/travel emergency call insurance)
In cases of serious injury or illness, particularly prior to entering hospital, please contact the ELVIA emergency assistance centre without delay to ensure you receive adequate treatment and to arrange return transport home if necessary.

The following documents must be submitted in order for your claim to be processed:

• Copy of the insurance policy in your possession
• Complete copy of the passport of the insured person with personal details, entry visa and date of entry into the area of validity of the insurance
• Original bill and/or prescriptions with details of the medical diagnosis and services provided

Important:
The bills must include the following details: the name of the treated person, a description of the illness, details about the treatment and a list of the medical services provided and the associated costs. Prescriptions must include the following details: the prescribed medication, prices and the chemist’s official stamp.
In cases of out-patient treatment, you will receive a bill from the doctor, which you will usually have to pay in advance at the time of treatment.
Please note that if you are treated by a doctor in Germany, doctors’ bills are calculated at 1.8 times the charge rates for doctors (GÖA) or for dentists (GOZ); primarily medical-related services are calculated at a maximum of 1.3 times the charge rate, and laboratory services are calculated at a maximum of 1.15 times the charge rate.

What do I have to pay attention to if I cause damage?
(Travel liability insurance)
Please write down the names and addresses of any witnesses who may have observed the event leading to the damage and notify ELVIA.

Important:
Avoid admitting liability for any damage you may have caused. If you do so, this may invalidate your insurance claim.

Remuneration is paid in euros into a German bank account.

Please send all claims together with the appropriate documentary proof to:

Legal information for the consumer

* The insurance terms and conditions of the ELVIA visa travel insurance issued by ELVIA Reiseversicherungs-Gesellschaft AG, Munich, are legally binding.

You can view and download our insurance terms and conditions as a PDF file. This information is only available in German. We apologise for any inconvenience.