Exclusion of benefits – the facts

No insurance cover is provided for damages:

  • intentionally caused by the insured person;
  • caused by the insured person as a result of an intentional criminal act or the intentional attempt of committing a criminal act.

Health insurance does not cover:

  • costs of treatment of pre-existing conditions including chronic illnesses unless there is an acute and unexpected deterioration in the patient’s health;
  • treatments and other medically prescribed measures of which the insured person knew at the start of the journey that they would have to take place for medical reasons in case the trip was carried out as planned (e.g. dialysis);
  • purchase and repair of pacemakers, prostheses, visual and hearing aids;
  • costs due to accidents or illnesses as a result of mental illness or cognitive disorders if these are caused by the use of alcohol, drugs, intoxicants or narcotics, sleeping pills or other narcotic substances;
  • acupuncture, fango and massages;
  • need of care or custody;
  • psychoanalytic and psychotherapeutic treatments unless covered within the policy’s medical benefits, as well as hypnosis;
  • costs due to pregnancy and childbirth if the mother was already pregnant prior to the start of the insured stay as well as in case of an acute and unexpected deterioration in the health of the mother and/or baby.

You will find the detailed terms and conditions in the General Insurance Conditions.

Accident insurance does not cover:

  • accidents as a result of drunkenness or drug use;
  • illnesses and wear and tear, e.g. back pain resulting from a permanent sitting position, strokes or heart attack since they are not considered as accidents;
  • accidents caused directly or indirectly by nuclear power;
  • accidents as a result of mental illness or cognitive disorders;
  • accidents caused directly or indirectly by foreseeable acts of war.

You will find the detailed terms and conditions in the General Accident Insurance Conditions.

Liability insurance does not cover:

  • damages to leased, rented or borrowed equipment;
  • damages to the host family’s movable property;
  • damages to motor vehicles as a result of operating such vehicles;
  • damages caused by the exchange, transmission or provision of electronic data.

You will find the detailed terms and conditions in the General Liability Insurance Conditions.

Assistance insurance does not cover:

  • illnesses as a psychological reaction to war, unrest, an act of terror, a plane crash or the fear of war, unrest or acts of terror;
  • chronic mental illnesses, also if they occur in phases, and addiction.

You will find the detailed terms and conditions in the Assistance Insurance Conditions.

Baggage insurance does not cover:

  • damages caused directly or indirectly by nuclear power;
  • damages directly or indirectly caused by foreseeable acts of war;
  • damages caused by confiscation, deprivation of possession or other acts of authorities.

You will find the detailed terms and conditions in the Baggage Insurance Conditions.

Do you require advice?
If you have any questions, please feel free to contact us:

Phone: +49 (0)2247 9194-977

Customer Service
Mo - Fr: 8 am to 8 pm
Sa: 9 am to 12 pm

Specialist Department
Mo - Fr: 8 am to 6 pm