Travel insurance to Germany, Austria, Switzerland

Don't forget to take out travel health insurance

Austria, Germany and Switzerland are a wonderful trio of European developed countries that have a lot to offer tourists. For lovers of culture, architecture and history, Austria is of particular value. The capital of Austria, Vienna, is rich in various sights, architecture, and is also home to the famous opera, which is often used in the filming of famous films. Classical music lovers should definitely visit Salzburg, and fans of modern art - Graz. Well, the most popular purpose of traveling to Austria is skiing, the resorts in the country are equipped with all modern equipment. Both beginners and more advanced skiers and snowboarders will find suitable slopes here.

Germany offers tourists a wide variety - here incredibly beautiful nature is combined with rich cultural traditions. Berlin is an example of a modern city in which a huge number of young people live. Clubs, restaurants, shopping - there are an incredible number of them here. The second popular destination in Germany is Munich, every beer lover is simply obliged to visit Oktoberfest or traditional beer gardens. Not far from the city is the famous Neuschwanstein Castle.

Switzerland is not as popular as the previous two countries, but nevertheless it definitely deserves attention. The most popular cities for tourists are Geneva, Bern and Zurich. All three countries are part of the Schengen zone (although Switzerland is not a member of the European Union). For this reason, every tourist should have travel insurance for Austria, Germany and Switzerland.

How to apply for a policy in Germany

For Schengen zone countries, including Austria, Germany and Switzerland, there is a minimum threshold for the insured amount, which is 30 thousand euros. Insured persons can increase the insured amount if they wish, but then the cost of the policy will be higher. In addition, when applying for a policy, you must adhere to certain conditions, namely:

• The insurance must be valid for the entire period of stay abroad.
• The policy must be valid in all Schengen countries.
• The policy must cover the costs associated with a sudden illness of a tourist. This must include first aid and surgical care.

It is very easy to apply for insurance, you can order travel insurance to Germany online. You don't even need to leave your home to do this. It only takes a few minutes.

Insurance against non-departure and for active sports

Medical insurance is mandatory for application. However, other additional options can be included in the travel policy that expand insurance coverage. Among them is insurance against non-departure. As a rule, accommodation and tickets are paid in advance. However, there are cases when, due to certain circumstances, the trip is canceled. This option provides for compensation in such cases. Among the reasons for trip cancellation are:

• A sharp deterioration in health or death of the insured person or close relative;
• Refusal to enter the country during passport or customs control;
• Participation in court proceedings;
• Conscription into the army and others.

Austria, Switzerland and Germany have a diverse nature - mountains, lakes, plains. That is why many people go to these countries for active recreation or extreme sports. Among the most popular types of active recreation in these countries are skiing and snowboarding, fishing, hiking.

A different insurance is provided for such tourists, it costs more due to the fact that there is a greater risk of injury. Moreover, if the insured event occurs in the mountains, the victim will need to be evacuated by helicopter, which costs 2 thousand euros.

It is important to understand that regular medical insurance does not cover insured events that occurred during active recreation and extreme sports.

Cost of medical services in Austria and Switzerland

In Austria, medicine is high-quality and expensive. If you do not have a medical policy, you can pay 80 euros for a dental X-ray. But for an X-ray of the lungs and heart, you will have to pay 225 euros. The cost of a general blood test is 20 euros.

As for Switzerland, medical services are even more expensive here. A visit to the doctor will cost 60-300 francs, and a full examination with diagnostics and tests - 2 thousand dollars. Calling an ambulance will also cost a lot - 1000 francs. Given all this, it is recommended to increase the insured amount to 50 thousand euros. For these reasons, travel insurance to Switzerland is really profitable. As for the cost, it is influenced by many factors. To calculate approximate insurance prices, you can use an online calculator.