You unexpectedly need medical assistance while travelling abroad.

For example: You contract malaria and have to go to hospital. Medical and hospital costs that exceed the maximum insured amount covered by health insurance are covered.

You already had symptoms when you took out the insurance. Or you undergo a check-up while travelling.

For example: When you take out travel insurance shortly before your holiday, you already have symptoms of an illness. This illness makes it necessary for you to see a doctor during your holiday abroad.