Reisekrankenversicherung: Rücktransport mitbedenken

Wer sich gegen Erkrankungen bei häufigen und längeren Auslandsaufenthalten absichern möchte, der nutzt gerne eine Reisekrankenversicherung. Ein aktueller Test von Reisekrankenversicherungen durch die Stiftung Warentest zeigt auf: Es gibt viele Kleinigkeiten wie Rücktransport, die beim Abschluss einer Reisekrankenversicherung zu berücksichtigen sind.

Reisekrankenversicherung: Rücktransport mitbedenken
Reisekrankenversicherung: Rücktransport mitbedenken

Der Untersuchung zur Reisekrankenversicherung wurde durch die Zeitschrift Finanztest jetzt veröffentlicht. Es gibt viele Details zu beachten, wenn man eine Reisekrankenversicherung abschließen möchte. Insbesondere Vielreisende, die häufiger auch im außereuropäischen Ausland unterwegs sind, sollten sich überlegen, eine dauerhafte Reisekrankenversicherung abschließen. Das kommt billiger als das einzelne Abschließen von Reisekrankenversicherungen für jeden einzelnen Auslandaufenthalt. Wer nur eher selten im Ausland ist, der kann auch mit seiner Krankenversicherung in Deutschland sprechen, ob deren Schutz nicht ausreichend für den Auslandsaufenthalt ist.

Interessant sind die Details der Reisekrankenversicherung, wenn es um den Rücktransport geht. Der ist zwar selten, kann aber zu sehr hohen Kosten führen, die in den wenigsten Fällen von einer gesetzlichen Krankenversicherung vollumfänglich getragen werden. Hier ist es allerdings wichtig, dass die Bedingungen für den Rücktransport großzügig gestaltet sind. Ein Rücktransport sollte bereits dann in den Versicherungsbedingungen der Reisekrankenversicherung abgedeckt werden, wenn er lediglich medizinisch sinnvoll und nicht bereits medizinisch notwendig ist. Eine entsprechende Formulierung in den Versicherungsbedingungen der Reisekrankenversicherung kann also wichtig werden, wenn man selbst im Fall der Fälle über die Angemessenheit des Rücktransports entscheiden möchte.

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