Can I use my private health insurance abroad?
February 16, 2022 | 40,00 EUR | answered by Ben Bergmann
Dear insurance lawyer,
my name is Sandra Kaiser and I have a question regarding my private health insurance. I am planning a longer trip abroad soon and I am wondering if I can use my private health insurance there. I have been insured with my insurance company for many years and have only been covered for medical services within the country.
However, as I do not want to forego medical care while traveling abroad, I am concerned about whether my private health insurance is valid overseas. It is important for me to know if I will be supported by my insurance in case of illness or injury abroad and what services I can access.
Could you please explain to me in more detail if and to what extent my private health insurance is valid abroad? Are there specific countries or regions where my insurance does not apply? What steps do I need to take to ensure that I am adequately insured abroad and can rely on the support of my health insurance in case of emergency?
Thank you in advance for your help and advice.
Sincerely,
Sandra Kaiser
Dear Mrs. Kaiser,
Thank you for your inquiry regarding your private health insurance in relation to a planned longer trip abroad. It is understandable that you are concerned about whether your insurance is valid abroad and what benefits you can avail. I will gladly explain in detail how the situation regarding your private health insurance abroad looks.
It is important to know that private health insurances are usually valid abroad, but there are some important points to consider. First, you should check if your insurance includes international travel health insurance. This special form of health insurance extends coverage to international trips and usually covers medically necessary treatments abroad.
It is advisable to contact your insurance before your trip and clarify the exact conditions for insurance coverage abroad. Your insurance may exclude certain countries or regions or have specific regulations for cost coverage abroad. Therefore, it is important to inform yourself thoroughly in advance to avoid unpleasant surprises in case of emergency.
To ensure that you are adequately insured abroad, you should also inquire about possible repatriation insurance. This insurance covers the costs of medically necessary repatriation to your home country in case of a serious illness or injury.
In summary, it is important to thoroughly familiarize yourself with your private health insurance before your trip abroad to ensure that you can rely on your insurance for support in case of emergency. If you have any further questions or need assistance, I am at your disposal.
Best regards,
Ben Bergmann
Insurance Law Attorney
