| General conditions of insurance and policy information |
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As long as there are no deviations stipulated in the policy, the applicant is deemed as the policy holder. The insured person is the foreign guest, alternatively, the German traveller abroad. KLEMMER INTERNATIONAL - Assekuranzmakler GmbH provides services in the name of, and with the authority of the insurer – as for example, policy administration, premium collection, claims compensation of accident and liability insurance as well as benefit checks and settlement of accounts regarding health insurance. The contractually agreed services are made up of the registration, policy confirmation, later written agreements, the legal regulations of the host country of the traveller, as well as the conditions of insurance. As independent insurance brokers we are obliged to critically watch the market and suppliers and to find beneficial products for our clients. For this reason KLEMMER INTERNATIONAL - Assekuranzmakler GmbH cooperates with divers chosen insurers.
Insurer 1: Deutscher Ring Krankenversicherungsverein a. G. Deutscher Ring Sachversicherungs-AG Ludwig-Erhard-Str. 22 - 20459 Hamburg
Insurer 2: CIGNA S.A.-N.V. (Kranken + Unfall) Rossertstraße 9 - 60323 Frankfurt am Main Haftpflichtkasse Darmstadt VVaG (Haftpflicht) Arheilger Weg 5 - 64380 Roßdorf The benefits in the download-documents are identical for all insurers. As an example the documents on this page contain the insurer "Deutscher Ring". Which insurer applies for your current contract can be found in the printed documents that we send to you with confirmation of insurance.
For "Germans abroad" we work together with Insurer 3: ACE European Group Limited Lurgiallee 10 - 60439 Frankfurt am Main
The current version of our contract information can be downloaded in PDF-format. For display purposes you will need the cost-free programme Adobe Acrobat Reader.
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Conditions of insurance for the guest/tourist-insurance
