Do you want to have detailed information before purchasing our PROTRIP-WORLD-H insurance policy? In this section, we collected a number of frequently asked questions about the comprehensive cover provided by PROTRIP-WORLD-H. If you have any other questions, feel free to contact us.
Here you will find general questions about PROTRIP-WORLD-H.
LAC stands for Living Abroad Community e. V. The LAC is an association that looks after the interests of people living abroad temporarily as well as during short-term and long-term stays for personal or professional reasons and provides them with information and services. The purpose of the association is to be achieved in particular through:
- Providing advice and support to the above mentioned group of people in all economic, legal, and social matters of their personal and family life that result from their stay abroad.
- Negotiating with authorities, associations, public insurance institutions, and all other public and private bodies and institutions about the specific problems, needs, and wishes of the above mentioned group of people that result from their stay abroad in order to improve their situation.
- Concluding agreements on special conditions for the above mentioned group of people regarding the purchase of goods and services.
Not everyone can purchase PROTRIP-WORLD-H. To qualify for PROTRIP-WORLD-H, the main purpose of your stay abroad needs to be further education abroad. It is considered to be further education if you take part in an exchange programme as:
- student and doctoral student,
- Erasmus Plus participant,
- language and exchange student or
- au pair.
If the main purpose of your stay abroad is further education, insurance cover will
also exist during any periods without further education within the insurance period
Accompanying family members can be insured as well. You just need to conclude an insurance policy for each family member separately.
Should you return early from your stay abroad, a phone call or an email is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. You only pay for the actual period of insurance. No service fee will be charged for this reimbursement.
Here are some frequently asked questions regarding the application.
In order to purchase PROTRIP-WORLD-H insurance cover, you only need to do two things: Fill in the application form and check whether all entered information is correct. Then simply confirm your application - that’s it!
Following your application, you will immediately receive an email with your insurance certificate along with customer information.
Following your application, you will immediately receive an email with your insurance certificate along with customer information. If you did not receive an email, please check the mentioned email address and take a look in the SPAM folder.
When purchasing our policy online, all information is sent through a secure connection. We use your data only for fulfilment of the insurance contract. For more information, go to our section on Data protection.
Here are some of the most frequently asked questions about existing contracts.
In case of an extension of your programme abroad, you can apply for an extension prior to the expiry of the existing insurance policy. Just give us a call:
Or you can send us a letter, fax or an email.
If the insurer accepts your request for extension, insurance cover only applies for insured events that occurred after you applied for extension.
After expiry of the period applied for, insurance coverage will end automatically. Should you return early from your stay abroad, please inform us. A phone call or an email is sufficient. In this case, you only pay the premiums which arose before the notification. If a direct debit system exists, it will be stopped. Credit will be immediately refunded to your account. No service fee will be charged.
At your request, the account can also be based on the date of your return instead of the date of notification. In this case, please send us some proof of reentry which confirms your premature return (for example your plane ticket).
If the main purpose of your stay abroad is further education, insurance cover will also exist during any periods without further education within the insurance period applied for.
You can access our online service 24/7. You can use our online forms, for example, to apply for an extension of insurance cover,
terminate the insurance prematurely or change your bank and address data.
Please change to our Secure Server, to send your changes online (German).
Here are some of the most frequently asked questions regarding payment.
The premium for this policy is to be paid at the conclusion of the insurance contract for the entire term of the insurance. You can choose from the following payment options:
a) credit card: Maestro, Mastercard, Visa, JCB, Diners, Discover or American Express;
b) SEPA Direct Debit;
c) online payment system: eps, Klarna/SOFORT Überweisung, iDEAL or PayPal.
The premium for this policy depends on the duration of the trip. Should you return early from your stay abroad, a phone call or an email is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. You only need to pay for the actual insurance period. No service fee will be charged for reimbursement.
German and Austrian accounts only:
Where the term of insurance exceeds one month, you can also pay in monthly installments via SEPA Direct Debit. The first installment becomes due at the start of insurance, the subsequent installments at the start of each following month.
If you pay by credit card, we use the 3-D Secure procedure. It provides additional security for your credit card transactions and reduces the risk of fraud due to card misuse.
You first enter your credit card number. A connection will then be established with the card issuer so that you can confirm your identity, for example by entering a code. If the authentication was successful, the credit card payment is executed. The 3-D Secure procedure should not be confused with your credit card's check number (CVC).
In order to use the 3-D Secure procedure, you must register with your bank/credit company, which usually takes a few days.
Please avoid any chargebacks. Every chargeback causes an enormous administrative effort along with bank charges. For any unpaid direct debit, we will have to charge the resulting fees imposed on us, if you are the one responsible for the unpaid direct debit (for example as a result of revocation, incorrect information or insufficient account balance).
We will refund any overpaid premiums immediately in full without charging a service fee. Should you return early from your stay abroad, a phone call or an email is sufficient. We will then calculate your exact premium depending on the number of days you stayed abroad. We will refund any premiums you have already paid for months that have not started yet. No service fee will be charged for this reimbursement.
Here you will find questions & answers regarding claims.
The claim processing takes place in our claims department. A claim should be reported immediatly by phone or by email.
Tel. +49 2247 9194 -31
Mon-Fri: 8 am to 6 pm
The claim consultant will give you detailed information about which documents will be needed for further handling. Often requested documents for the claim adjustment are quotations, proof of the purchase price and date, pictures of the damage as well as the filled out claim form.
Our processing time is approx. 2 weeks. After completion of the processing you will receive a written notification.
Phone: +49 (0) 2247 9194 -977
Mon-Fri: 8 am to 6 pm