Stay safe on the road all year round
Comprehensive health protection for all your travels throughout the year. With the annual travel health insurance from nextsure, you are optimally covered for illness or accidents abroad – digitally and hassle-free.
Worldwide Protection
Flexible Terms
24/7 Emergency Service
Annual Travel Health Insurance: Your reliable companion worldwide
One-time sign-up, protected all year round
Medical emergencies abroad covered
Ideal for frequent travellers and families
More cost-effective than individual policies
Why an Annual Travel Health Insurance is Indispensable
An annual travel health insurance is essential protection for anyone who travels several times a year. Unexpected illnesses or accidents abroad can quickly lead to significant financial strain, as statutory health insurance often covers only a fraction of the costs or nothing at all, especially outside Europe. With an annual policy from nextsure, you are protected against high doctor and hospital costs, necessary medications, and medically advisable repatriation. You benefit from comprehensive coverage for all trips within a year, whether it's a short break or a longer holiday. This not only spares you the repeated organisation of travel health insurance before each trip but is usually also significantly more cost-effective. Invest in your health and financial security to enjoy your travels without worry. Our digital service also ensures a fast and straightforward claims process in the event of a loss.
Our Services
Tailored protection for your travels
Worldwide Protection
Valid for all trips throughout the year, worldwide.
Doctor costs
Coverage of outpatient & inpatient treatment costs.
Return transport
Medically justified repatriation included.
24/7 Service
Emergency hotline available 24/7.
Dental treatment
Coverage for pain-relieving dental treatments.
Families
Attractive rates for families and couples.
Medication
Reimbursement for doctor-prescribed medications.
Digital Plus
Simple online management and damage reporting.
Limitless
Plans with unlimited coverage amounts available.
Discover the benefits of our annual travel health insurance and travel with peace of mind.
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Who is the annual travel health insurance suitable for?
The annual travel health insurance from nextsure is the ideal solution for a broad target audience that values comprehensive protection and comfort. Frequent travellers, both for business and pleasure, benefit from a one-time arrangement and year-round coverage. Families who go on holiday regularly will find a cost-effective and straightforward way to insure all family members. This insurance also offers reliable coverage for digital nomads or individuals who frequently take weekend trips abroad. Students studying abroad or interns whose stays might span several shorter periods will find this coverage particularly beneficial. In short: If you leave the German borders more than once a year, annual travel health insurance is a clever and economical decision to cover medical risks abroad and to embark on every journey worry-free.
An overview of the core benefits of our annual travel health insurance
Our annual travel health insurance offers you a comprehensive range of services to ensure you are optimally protected on all your travels. This includes covering the costs for outpatient and inpatient medical treatments abroad, including doctors' fees, prescribed medication, dressings, and urgent operations. A medically sensible and justifiable repatriation to your home country is also covered, as are the costs for pain-relieving dental treatments. In the event of a death, we cover the repatriation costs or the costs for a burial abroad up to an agreed amount. In addition, our 24/7 emergency service is available to you worldwide, assisting with the organisation of medical help and acting as a point of contact in crisis situations. Many plans also include rooming-in for an accompanying person during a child's hospital stay and the arrangement of hospital visits. With nextsure, you enjoy transparent protection without hidden clauses, managed digitally and accessible at any time.
Finding the Right Plan: What You Should Pay Attention To
Choosing the right tariff for your annual travel health insurance is crucial for comprehensive coverage. Firstly, consider the area of cover: Do you need worldwide protection or do you mainly travel within Europe? The sum insured should be sufficiently high to cover expensive treatments and repatriation – unlimited coverage is often the best option here. Check the conditions for repatriation: Is it "medically necessary" or already "medically advisable and justifiable"? The latter offers you more flexibility. Another important point is the maximum duration per single trip; many annual tariffs limit this to, for example, 42, 56, or 90 days. Also consider whether pre-existing conditions are covered and under what conditions. For families, family tariffs are often more cost-effective. nextsure offers you transparent tariff options and a digital comparison tool to find the optimal coverage for your individual travel needs. Our experts are also happy to provide you with personal advice.
Emergency Abroad: How to Act Correctly
A medical emergency abroad requires quick and considered action. Stay calm and promptly contact our 24/7 emergency hotline. You can find the phone number in your insurance documents and in our nextsure app. Describe the situation precisely. Our experts will then initiate the necessary steps, assist in finding suitable doctors or hospitals, and clarify the cost coverage. Keep your insurance number ready. For minor illnesses, consult a doctor and initially pay the bill yourself – carefully keep all receipts and medical reports to submit them later for reimbursement. In the case of hospital stays or serious illnesses, contacting us directly before treatment begins (if possible) is essential, so we can issue a cost coverage guarantee to the hospital. Document everything and use our digital channels for quick submission of documents.
Trip cancellation
Cancellation Protection
Luggage
Your luggage is insured
Overseas Liability Insurance
Damage abroad
Jahresreise-Krankenversicherung vs. Statutory Health Insurance
Statutory health insurance (GKV) offers only limited protection abroad. Within the EU and countries with social security agreements, the GKV often only covers costs that would also be reimbursed domestically – private co-payments or higher rates for private patients abroad usually remain uncovered. A medically necessary repatriation is generally not paid for by the GKV. Outside of Europe, there is usually little or no entitlement to benefits. This is where annual travel health insurance comes in: It covers medical treatment costs worldwide, often even in private clinics, takes care of medically sensible repatriation, and offers additional assistance services. It thus closes the significant coverage gaps of the GKV and protects you from potentially ruinous costs. Therefore, annual travel health insurance is not a duplication but an essential supplement for every traveller to minimise financial risks in the event of illness abroad.
Your advantages: Digital and straightforward with nextsure
nextsure revolutionises the conclusion and management of your annual travel health insurance with a fully digitised process. From selecting your tariff to completing your contract online in just a few minutes, to digital damage reporting – everything can be done conveniently from home or on the go. In your personal customer portal, you always have access to your contract data, insurance conditions, and emergency numbers. Invoices and documents can be easily submitted via app or upload function, which speeds up the processing. Our chatbot and the comprehensive FAQ section answer many questions instantly, while our expert advisors are available for more complex issues via video call or phone. Automatic reminders for contract renewals and personalised information complete our digital service. Experience a new way of insurance: transparent, fast, and tailored to your needs – this is the nextsure standard for your annual travel health insurance.
Family-friendly: Annual travel insurance for all ages
Families particularly benefit from an annual travel health insurance plan. With the special family rates from nextsure, not only you, but also your partner and children are comprehensively covered for all joint and separate trips throughout the year. This is often significantly cheaper than taking out individual policies for each family member and each trip. Children are often more susceptible to minor illnesses or accidents, and a visit to the doctor abroad can quickly become expensive. Our plans take into account the special needs of families, such as rooming-in in hospital if a child needs to be admitted, or organizing the journey home for children if the parents fall ill. The digital conclusion and management also make it easy for busy parents to keep an eye on their insurance coverage. Travel with the peace of mind that your loved ones are well cared for in the event of an emergency – worldwide and all year round.
What exactly does the annual travel health insurance cover?
The choice between annual travel health insurance and a single policy depends on how often and how long you travel. A single policy covers only a specific trip and must be taken out before each holiday. This can become time-consuming and costly if you travel frequently. On the other hand, annual travel health insurance offers protection for all trips within a year up to a certain maximum duration per trip (e.g., 42, 56, or more days). Generally, an annual policy is worthwhile from as few as two to three trips per year or for a longer trip. It not only provides a financial benefit but also more convenience, as you only need to arrange insurance cover once. For spontaneous short trips, you are always automatically covered with an annual policy. Consider your travel plans for the coming year: if you travel several times, even for weekend trips abroad, nextsure's annual travel health insurance is the smart and more economical choice for continuous protection.
