Globally secure: Your health insurance coverage
Comprehensive protection against illness and accidents abroad. Discover nextsure's international health insurance for worry-free travel – digital and straightforward.
Global Coverage
Quick online processing
24/7 Emergency Assistance
Why international health insurance is indispensable
Protection against high medical costs abroad
Medically necessary repatriation included
Insurance for Holiday and Business Trips
Statutory health insurance often inadequate
Scope and Duration: What You Need to Know
The international health insurance from nextsure offers you flexible protection tailored to your travel plans. Coverage generally applies to temporary stays abroad. Standard rates typically cover holidays lasting up to six to eight weeks (approximately 42 to 56 days) per trip. For longer stays, such as a semester abroad, a world tour, or business assignments, we offer special long-term rates, which can provide coverage for up to five years. It is essential to check the coverage area carefully: Does the protection apply worldwide, or are there exclusions for certain countries (e.g., the USA/Canada due to higher healthcare costs)? Our rates clearly define whether travel to war and crisis zones is covered. Also, pay attention to the distinction between single policies for a specific trip and annual contracts that cover all trips within a year up to the maximum insured travel duration per trip. nextsure provides transparent information about cancellation periods and automatic contract renewals to give you full cost control. For optimal protection, we recommend taking out the insurance before the start of the trip, as taking it out from abroad is often not possible or may be subject to waiting times. Also, clarify whether home visits during a long-term stay interrupt or terminate the insurance cover.
Our service components
Your all-round protection abroad with nextsure
Therapy
Outpatient and inpatient medical costs worldwide.
Return transport
Medically advisable repatriation to the home country.
Dental treatment
Acute pain management and simple dental fillings.
Medication
Coverage of doctor-prescribed medication.
Emergency Service
24/7 hotline for global support.
Long-term protection
Rates for stays up to 5 years.
Family option
Affordable protection for the whole family.
Digital Policy
Simple online completion and management via app.
No excess
Many plans available with no excess in the event of a claim.
Tailored solutions for every journey.
Ready for worry-free travel?
Find your optimal international protection now!
Overview of Benefits: Which costs are reimbursed?
A high-quality international health insurance from nextsure covers a variety of medically necessary expenses that may arise during your trip abroad. This includes outpatient treatments by a doctor, dental costs for pain-relieving treatments and repairs of dental prostheses, as well as inpatient hospital stays including surgeries. The costs for prescribed medications, dressings, and therapeutic aids are also covered. A central component of the service is the medically appropriate and justifiable repatriation to the home country if a further treatment on site is not optimal or the anticipated hospital stay exceeds a certain period. In addition, costs for search, rescue, and recovery operations can also be covered up to an agreed amount. It is important that these involve acute, unforeseeable illnesses or consequences of accidents. Pre-existing conditions are often only insured if they become unexpectedly acute. Preventive check-ups or planned treatments abroad are usually not covered. nextsure places emphasis on clear service definitions without hidden clauses, so you know exactly which costs will be reimbursed and whether excesses apply. In the event of a claim, we support you with a 24/7 emergency hotline and digital submission of invoices.
Choosing the Right Plan: Individual, Family, and Long-term Protection
The choice of the right policy for your international health insurance largely depends on your individual travel situation and your needs. nextsure offers you tailored solutions for this. **Single tariffs** are ideal for solo travellers, whether for short holidays or individual business trips, providing comprehensive cover for one person. **Family tariffs** offer a cost-effective option to insure your partner and children (often up to a certain age, e.g. 21 or 25 years, as long as they are in education). The premium is usually cheaper here than the sum of individual policies. Check whether all family members are insured together or can also travel separately. For longer stays abroad beyond the usual 6-8 weeks, such as with work & travel, studying abroad, or being an expat, a **long-term international health insurance** is essential. These tariffs can be taken out for stays from several months up to five years and consider the specific needs of longer stays abroad, often also with options for home visits. When choosing a tariff, you should consider not only the length of stay but also the destination (USA/Canada often require special tariffs or surcharges), planned activities (risk sports) and the desired coverage amount. Our digital comparison calculators help you quickly and easily find the optimal nextsure tariff.
Behaviour in the Event of Damage: Step-by-Step Guide
In an emergency, acting quickly and correctly is crucial to make the most of your travel health insurance benefits. nextsure supports you in this: **1. Contact emergency hotline:** In cases of serious illness, accidents, or if a hospital stay becomes necessary, contact our 24/7 emergency service centre immediately. You will find the phone number in your insurance documents and digitally in our app. Our experts will advise you on the next steps and can, if necessary, send a payment guarantee directly to the hospital. **2. Secure documentation:** Collect all the relevant original receipts: medical bills, prescriptions, hospital reports, payment proofs. Make sure diagnoses and services provided are clearly listed on the invoices. For inpatient stays, a detailed discharge report is important. **3. Advance smaller amounts:** For outpatient treatments and medication costs, it is common to initially pay the costs yourself. Submit the original receipts after your return or digitally for reimbursement. **4. Coordinate repatriation:** A medically necessary or advisable return transport is organized or approved exclusively by the insurance. Do not take independent steps without prior agreement. **5. Observe deadlines:** Report the claim as quickly as possible. There are specific deadlines for submitting invoices, which you can find in your policy terms. With nextsure, you can conveniently upload many documents digitally via our customer portal or app, speeding up the process. Keep all originals carefully until the case is closed.
Additional Services and Exclusions: Understanding the Fine Print
In addition to the core services of international health insurance, such as medical treatment and medical repatriation, there are often valuable additional services, but also important exclusions that you should be aware of. nextsure values transparency. **Typical additional services** may include: Coverage of rooming-in costs for an accompanying person in the hospital (particularly important for children), organization and coverage of costs for the journey of a close person to the bedside in case of severe illnesses, childcare or repatriation of children if parents fall ill, funeral costs abroad or repatriation in case of death. Services for psychological first care after traumatic events may also be included. **Important exclusions** often involve: Treatments for illnesses and consequences of accidents that were already known before departure and for which treatment abroad was foreseeable (chronic conditions, unless there is an acute, unpredictable deterioration). Treatments that were the reason for the trip (planned medical procedure). Addiction treatments, withdrawal measures. Preventive examinations, vaccinations, dental prophylaxis. Costs for glasses or contact lenses. Accidents resulting from intoxication, drug abuse, or participation in criminal acts. Damages due to war events, civil unrest, or pandemics are often also excluded or regulated separately (the current conditions here should be examined closely). Risk sports can also be excluded or require an additional module. Please read the insurance terms and conditions (AVB) of your nextsure policy carefully to understand the exact scope of services and all exclusions. Our experts are happy to advise you.
Trip cancellation
Cancellation Protection
Luggage
Insurance for Your Luggage
Accident protection
Global incidents
International health insurance for specific travel types
Not every trip is the same. Whether you're exploring the world as a backpacker, studying abroad for a semester, or enjoying long cruises as a senior – your international health insurance should match your travel style. nextsure offers specialized solutions for this. **Work & Travel / Au Pair:** These programs often require long-term coverage with specific protections that take into account the nature of the activity. What is often important here is validity for up to one or two years. **Semester Abroad / Students:** Special student rates are often cheaper and tailored to the needs of students, including possible internships abroad. The duration usually covers the entire semester or academic year. **Business Travelers:** Annual policies that cover all business trips are often sensible here. There may be particular requirements when it comes to frequent travel or travel to higher-risk areas. **Seniors / Retirees:** There are plans for older travelers without age limits or with adapted health questions. For longer stays, such as wintering in the south, long-term protection is crucial. Pay attention to benefits such as medical repatriation even in non-life-threatening situations. **Cruises:** It should be clarified whether treatments by the ship's doctor and possible shore excursions in exotic areas are fully covered. Repatriation from a ship can be complex. **Adventure Travel / Risk Sports:** Standard policies often exclude dangerous sports. nextsure offers options or add-ons to insure activities such as deep sea diving, skydiving, or mountain climbing. Check in advance which activities are explicitly insured to avoid unpleasant surprises in the event of a claim.
Comparison: Statutory vs. Private International Health Insurance
Many travellers rely on their statutory health insurance (GKV) abroad, but this coverage is often incomplete and not valid worldwide. A private foreign health insurance from nextsure fills these gaps. **Statutory Health Insurance (GKV):** Within the EU and in countries with social security agreements (e.g., Switzerland, Turkey), the GKV covers costs for medically necessary treatments through the European Health Insurance Card (EHIC) – however, only under the conditions and to the extent that also apply to locals of the respective country. This means co-payments or treatment methods that are common in Germany may not be covered. Outside these countries, the GKV usually does not provide coverage or only very limited coverage. A medically necessary or sensible repatriation to Germany is **never** covered by the GKV; these costs can be financially devastating. **Private Foreign Health Insurance:** It offers comprehensive protection worldwide, independent of the social security system of the travel country. It generally covers full costs for outpatient and inpatient treatments, often also with private doctors or in private hospitals. A crucial factor is the coverage of costs for medically necessary repatriation. Additionally, it often includes services not offered by the GKV, such as dental treatment beyond pain therapy or rescue costs. The private foreign health insurance from nextsure is available for a modest annual premium and is an indispensable supplement to the GKV to minimise financial risks while travelling and ensure optimal medical care.
Digital Services at nextsure: Simple and Fast
As a digital insurance portal, nextsure places special emphasis on user-friendly and efficient online services related to your international health insurance. Our goal is to make purchasing, managing, and reporting claims as easy as possible for you. **Online completion:** In just a few minutes, you can select and purchase the appropriate international health coverage directly on our website or via our app. Intuitive premium calculators assist you with selection, and you will receive all contract documents digitally without delay. **Customer portal & app:** Through your personal customer account, you always have access to your contract data, insurance terms, and emergency numbers. You can change personal data, upload invoices, or view the status of a claim – all conveniently from home or on the go. **Digital claim reporting:** In the event of a claim, you can easily submit medical bills and other documents by photo or scan via the portal or app. This significantly speeds up the reimbursement process. We keep you informed transparently about every processing step. **Chatbot & FAQ:** Our intelligent chatbot is available for quick answers to frequently asked questions. Additionally, a comprehensive FAQ section on our website provides detailed information on all aspects of international health insurance. **Personal digital consultation:** Despite all digital possibilities, personal contact is important to us. Our expert advisors are available by phone, email, or video chat to answer individual questions and provide tailored advice. With nextsure, you will experience insurance coverage that adapts to your digital lifestyle – transparent, fast, and reliable.
When do I need travel health insurance?
Good preparation is the key to a relaxed journey. To ensure you are well covered in an emergency, nextsure has put together a checklist for your travel health insurance: **1. Check coverage:** Is your travel health insurance valid and does it cover the entire travel period as well as all destinations (especially USA/Canada)? For annual contracts: Is the maximum travel duration per trip sufficient? **2. Long-term stay?** For trips over 6-8 weeks: Is a special long-term travel health insurance policy in place? **3. Family members:** Are all traveling family members included and insured under the family tariff? **4. Risk sports/activities:** Are planned special activities (e.g., diving, off-piste skiing) included in the insurance coverage or do you need an additional coverage module? **5. Save emergency numbers:** Store your insurance's emergency hotline on your mobile phone and carry a copy of the number with your travel documents. **6. Insurance documents:** Carry a copy of your insurance policy (digital or printed) with you. The nextsure app provides ideal access for this. **7. EHIC card (for EU/EEA/Switzerland):** Ensure your European Health Insurance Card (EHIC) is valid. It serves as proof for accessing statutory health insurance services. **8. Important health information:** Carry information about any pre-existing conditions, allergies, or regularly needed medications (if necessary, with a doctor's certificate in English). **9. Vaccinations and travel medicine:** Inform yourself in good time about recommended vaccinations and prophylaxis measures for your travel destination. **10. Check before concluding:** Always take out travel health insurance *before* the trip begins. Taking it out from abroad is often no longer possible. With this checklist and suitable travel health insurance from nextsure, you can start your holiday or business trip worry-free.
