{"id":11349,"date":"2025-07-04T04:59:13","date_gmt":"2025-07-03T17:59:13","guid":{"rendered":"https:\/\/saltwatersecrets.com\/?p=11349"},"modified":"2025-07-31T05:35:49","modified_gmt":"2025-07-30T18:35:49","slug":"auslandskrankenversicherung","status":"publish","type":"post","link":"https:\/\/saltwatersecrets.com\/de\/auslandskrankenversicherung\/","title":{"rendered":"Die beste Auslandskrankenversicherung f\u00fcr Surf Nomads &amp; Langzeitreise"},"content":{"rendered":"\n<p class=\"\"><strong>Dieser Artikel handelt von meiner pers\u00f6nlichen Empfehlungen f\u00fcr eine Auslandskrankenversicherung ab einer Reisedauer von einem Monat.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/saltwatersecrets.com\/de\/auslandskrankenversicherung\/\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"1350\" src=\"https:\/\/i0.wp.com\/saltwatersecrets.com\/wp-content\/uploads\/2025\/07\/Auslandskrankenversicherung.png?resize=1080%2C1350&#038;ssl=1\" alt=\"Auslandskrankenversicherung\" class=\"wp-image-11353\" srcset=\"https:\/\/i0.wp.com\/saltwatersecrets.com\/wp-content\/uploads\/2025\/07\/Auslandskrankenversicherung.png?w=1080&amp;ssl=1 1080w, https:\/\/i0.wp.com\/saltwatersecrets.com\/wp-content\/uploads\/2025\/07\/Auslandskrankenversicherung.png?resize=240%2C300&amp;ssl=1 240w, https:\/\/i0.wp.com\/saltwatersecrets.com\/wp-content\/uploads\/2025\/07\/Auslandskrankenversicherung.png?resize=819%2C1024&amp;ssl=1 819w, https:\/\/i0.wp.com\/saltwatersecrets.com\/wp-content\/uploads\/2025\/07\/Auslandskrankenversicherung.png?resize=768%2C960&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1080px) 100vw, 1080px\" \/><\/a><\/figure>\n\n\n\n<p class=\"\">Du planst eine l\u00e4ngere Reise \u2013 vielleicht als surfbegeisterter Nomade, digitaler Freigeist, Backpacker oder einfach, weil du das Leben am Meer liebst? Dann gibt es etwas, das auf deiner To-Do-Liste ganz oben stehen sollte: <strong>eine gute Auslandskrankenversicherung.<\/strong><\/p>\n\n\n\n<p class=\"\">Denn egal ob du dich beim Surfen verletzt, in S\u00fcdostasien den Magen verstimmt oder du einfach beruhigt schlafen m\u00f6chtest, eine verl\u00e4ssliche Versicherung, die wirklich zu deinem aktiven, reisefreudigen Lifestyle passt, ist super wichtig.<\/p>\n\n\n\n<p class=\"\">Ich habe selbst unz\u00e4hlige Stunden damit verbracht, Tarife zu vergleichen, Bewertungen zu lesen und Erfahrungsberichte zu durchforsten. In diesem Artikel teile ich meine pers\u00f6nliche Empfehlung einer Auslandskrankenversicherung, worauf du achten solltest und was Surfer und Langzeitreisende wirklich brauchen, um rundum gut abgesichert zu sein.<\/p>\n\n\n\n<p style=\"font-size:12px\" class=\"\"><em>(<strong>Hinweis: <\/strong>Affiliate-Links sind mit einem * gekennzeichnet Wenn du \u00fcber diesen Link buchst, erhalte ich als kleines Dankesch\u00f6n eine Provision \u2013 f\u00fcr dich bleibt der Preis nat\u00fcrlich gleich. Deine Unterst\u00fctzung hilft mir dabei, diesen Blog mit viel Zeit und Herz zu f\u00fchren.)<\/em><\/p>\n\n\n<style>.kb-table-of-content-nav.kb-table-of-content-id11349_d1d280-8a .kb-table-of-content-wrap{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);}.kb-table-of-content-nav.kb-table-of-content-id11349_d1d280-8a .kb-table-of-contents-title-wrap{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kb-table-of-content-nav.kb-table-of-content-id11349_d1d280-8a .kb-table-of-contents-title{font-weight:regular;font-style:normal;}.kb-table-of-content-nav.kb-table-of-content-id11349_d1d280-8a .kb-table-of-content-wrap .kb-table-of-content-list{font-weight:regular;font-style:normal;margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-right:0px;margin-bottom:0px;margin-left:0px;}<\/style>\n\n\n<h2 class=\"wp-block-heading\">Meine pers\u00f6nliche Empfehlung: Young Travellers<\/h2>\n\n\n\n<p class=\"\">Kaum waren unsere Fl\u00fcge gebucht, habe ich stundenlang im Netz recherchiert, verschiedene Versicherungen verglichen und schnell gemerkt, dass in Sachen Preis-Leistung, Leistungsspektrum und Flexibilit\u00e4t f\u00fcr mich ganz klar <strong><a href=\"https:\/\/www.young-travellers.com\/blogger\/affiliate-saltwatersecrets\/\" target=\"_blank\" rel=\"noreferrer noopener\">Young Travellers<\/a><\/strong>* \u00fcberzeugt hat.<\/p>\n\n\n\n<p class=\"\">Ich bin seitdem selbst bei Young Travellers versichert und war schon mehr als einmal froh dar\u00fcber. Zum Beispiel nach einem Surfunfall auf Bali, bei dem ich mir die Rippen geprellt habe. Ich musste zum Notarzt, aber die Erstattung lief super easy \u2013 digital, schnell und komplett stressfrei.<\/p>\n\n\n\n<p class=\"\">Ein weiteres Argument f\u00fcr mich, die Young Travellers Versicherung abzuschlie\u00dfen: ein Versicherungsschutz auch beim Besuch in der Heimat. Da wir einmal im Jahr nach Deutschland zur\u00fcckkehren, um Familie und Freunde zu sehen, war es mir wichtig, dass ich auch diesem Zeitraum versichert bin.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Worauf Surf Nomaden achten sollten<\/h3>\n\n\n\n<p class=\"\">Young Travellers bietet vor allem auch Schutz in vielen Bereichen, die f\u00fcr digitale Nomaden, Backpacker und Sportbegeisterte besonders wichtig sind:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Alle Sportarten versichert<\/strong> \u2013 auch Risikosportarten wie Surfen, Tauchen oder Snowboarden<\/li>\n\n\n\n<li class=\"\"><strong>Jobben &amp; Arbeitsunf\u00e4lle abgesichert<\/strong> \u2013 perfekt f\u00fcr Work &amp; Travel oder Freelance-Aufenthalte<\/li>\n\n\n\n<li class=\"\"><strong>24\/7 erreichbare Notfall-Hotline<\/strong> \u2013 weltweit, rund um die Uhr<\/li>\n\n\n\n<li class=\"\"><strong>Medizinisch sinnvoller R\u00fccktransport<\/strong> \u2013 also auch dann, wenn er nicht \u201elebensnotwendig\u201c, aber medizinisch geboten ist.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Basic vs. Premium: Warum ich mich f\u00fcr den Premium Tarif entschieden habe<\/h3>\n\n\n\n<p class=\"\">Ich bin ganz ehrlich: Leider habe ich oft Zahnprobleme und das Thema Vorsorge &amp; Frauengesundheit wird f\u00fcr mich als Frau in den 30ern auch immer relevanter.<br>Deshalb habe ich gemerkt, dass zu mir in meinen Bed\u00fcrfnissen der Premium Tarif besser passt.<\/p>\n\n\n\n<p class=\"\">Hier sind die wichtigsten Vorteile auf einen Blick:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Kein Selbstbehalt (im Basic: 100 \u20ac je Schadenfall)<\/li>\n\n\n\n<li class=\"\">Unbegrenzte Zahnbehandlungen und auch Vorsorgeleistungen sind enthalten<\/li>\n\n\n\n<li class=\"\">Schwangerschaften, die w\u00e4hrend der Auslandsreise eintreten, sind vollst\u00e4ndig mitversichert<\/li>\n\n\n\n<li class=\"\">Flexible Laufzeit bis zu 5 Jahre<\/li>\n\n\n\n<li class=\"\">Monatlich k\u00fcndbar &amp; zahlbar<\/li>\n\n\n\n<li class=\"\">W\u00e4hlbar mit oder ohne USA\/Kanada \u2013 je nach Reiseziel<\/li>\n\n\n\n<li class=\"\">Top Preis-Leistung f\u00fcr Langzeitreisende, Digitale Nomaden &amp; Surfer<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">So buchst du deine Versicherung<\/h3>\n\n\n\n<p class=\"\">Die Beratung und der Abschluss der Young Travellers Versicherung erfolgt ausschlie\u00dflich \u00fcber Young Travellers selbst. Du kannst dich dort direkt individuell beraten lassen \u2013 ganz ohne Druck und mit transparenter Tarif\u00fcbersicht.<\/p>\n\n\n\n<p class=\"\"><strong>Hier findest du alle Tarifinfos &amp; die Buchungsm\u00f6glichkeit<\/strong>:<\/p>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns11349_e55cea-f6{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns11349_e55cea-f6 .kt-button{font-weight:normal;font-style:normal;}.kt-btns11349_e55cea-f6 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns11349_e55cea-f6 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns11349_e55cea-f6 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns11349_e55cea-f6 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns11349_e55cea-f6 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns11349_e55cea-f6 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns11349_e55cea-f6 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns11349_e55cea-f6\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn11349_c4aca6-42.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn11349_c4aca6-42.kb-button{background:var(--global-palette8, #F7FAFC);box-shadow:1px 1px 2px 0px rgba(0, 0, 0, 0.2);}<\/style><a class=\"kb-button kt-button button kb-btn11349_c4aca6-42 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/www.young-travellers.com\/blogger\/affiliate-saltwatersecrets\/\" target=\"_blank\" rel=\"noreferrer noopener sponsored\"><span class=\"kt-btn-inner-text\">Young TRavellers Auslandskrankenversicherung*<\/span><\/a><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Alternativen zu Young Travellers<\/h3>\n\n\n\n<p class=\"\">Auch wenn ich Young Travellers absolut empfehlen kann, m\u00f6chte ich dir noch drei weitere Anbieter vorstellen, die ebenfalls gute Optionen f\u00fcr Langzeitreisen sind:<\/p>\n\n\n\n<p class=\"\"><strong>1. HanseMerkur Langzeit-Auslandskrankenversicherung<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Bietet Auslandskrankenversicherung schon sehr lange an. Das Angebot bei Young Travellers ist aber besser und ihr seid trotzdem \u00fcber HanseMerkur versichert.<\/li>\n<\/ul>\n\n\n\n<p class=\"\"><strong>2. CareMed Travel Secure<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Speziell f\u00fcr Auslandssemester, Work &amp; Travel oder Langzeiturlaub<\/li>\n\n\n\n<li class=\"\">Versicherungsschutz auch bei R\u00fcckreise ins Heimatland f\u00fcr max. 6 Wochen<\/li>\n\n\n\n<li class=\"\">Kombitarife mit Haftpflicht- oder Unfallversicherung<\/li>\n<\/ul>\n\n\n\n<p class=\"\"><strong>3. World Nomads<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Internationale Versicherung, bekannt bei Backpackern<\/li>\n\n\n\n<li class=\"\">Super teuer im Vergleich!<\/li>\n\n\n\n<li class=\"\">Viele Sportarten versichert, auch Surfen &amp; Tauchen<\/li>\n\n\n\n<li class=\"\">Abschluss &amp; Verl\u00e4ngerung online \u2013 auch aus dem Ausland<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Checkliste f\u00fcr deine Auslandskrankenversicherung<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items11349_8d6dfa-f9:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items11349_8d6dfa-f9 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items11349_8d6dfa-f9 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items11349_8d6dfa-f9 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items11349_8d6dfa-f9 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items11349_8d6dfa-f9 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-11349_ca2818-12 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-11349_ca2818-12\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Versicherung sp\u00e4testens 2 Wochen vor Abreise abschlie\u00dfen<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-11349_dc64bc-dd .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-11349_dc64bc-dd\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Reisedauer realistisch w\u00e4hlen (lieber etwas l\u00e4nger buchen)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-11349_614fbd-c9 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-11349_614fbd-c9\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Gedeckte Sportarten pr\u00fcfen \u2013 Surfen\/Risikosportarten m\u00fcssen inklusive sein!<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-11349_d515b8-d9 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-11349_d515b8-d9\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">USA\/Kanada nur w\u00e4hlen, wenn du mehr als 50\u202f% der Zeit dort verbringst<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-11349_83b8d6-b3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-11349_83b8d6-b3\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Selbstbehalt &amp; Leistungen (Basic vs. Premium)  mit deinem Bedarf vergleichen<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-11349_6661db-4f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-11349_6661db-4f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Versicherungsschein digital speichern (z.\u202fB. in App oder Cloud)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-11349_220c97-06 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-11349_220c97-06\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Bei R\u00fcckkehr: Nicht genutzte Beitr\u00e4ge ggf. erstatten lassen<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-11349_bc61a4-f7 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-11349_bc61a4-f7\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">R\u00fccktransport &amp; Notfallhotline abkl\u00e4ren<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-11349_a60dc7-13 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-11349_a60dc7-13\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Kombiversicherung pr\u00fcfen (z.\u202fB. Haftpflicht, falls du keine hast)<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Fazit<\/h3>\n\n\n\n<p class=\"\">Eine verl\u00e4ssliche Auslandskrankenversicherung ist f\u00fcr Surfer, Langzeitreisende und digitale Nomaden ein absolutes Must-have. Gerade wenn du regelm\u00e4\u00dfig surfst, sportlich unterwegs bist oder dich fernab der touristischen Zentren aufh\u00e4ltst, ist ein guter Versicherungsschutz super wichtig . Ob Verletzung im Line-up, Lebensmittelvergiftung in Asien oder Zahnschmerzen in der Abgeschiedenheit, mit der richtigen Versicherung bleibst du entspannt und gut abgesichert.<\/p>\n\n\n\n<p class=\"\">Ich hoffe, dieser Artikel hilft dir weiter. Wenn du tiefer einsteigen m\u00f6chtest, schau dir gern auch die folgenden <strong>h\u00e4ufigen Fragen (FAQ) zur Auslandskrankenversicherung<\/strong> an:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">H\u00e4ufige Fragen zur Auslandskrankenversicherung (FAQ)<\/h2>\n\n\n<style>.kb-row-layout-id11349_54f4d0-6e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id11349_54f4d0-6e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id11349_54f4d0-6e > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:900px;margin-left:auto;margin-right:auto;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id11349_54f4d0-6e > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id11349_54f4d0-6e > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id11349_54f4d0-6e > .kt-row-column-wrap{padding-right:1em;padding-left:1em;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id11349_54f4d0-6e alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column11349_5fda95-34 > .kt-inside-inner-col,.kadence-column11349_5fda95-34 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column11349_5fda95-34 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column11349_5fda95-34 > .kt-inside-inner-col{flex-direction:column;}.kadence-column11349_5fda95-34 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column11349_5fda95-34 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column11349_5fda95-34{position:relative;}@media all and (max-width: 1024px){.kadence-column11349_5fda95-34 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column11349_5fda95-34 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column11349_5fda95-34\"><div class=\"kt-inside-inner-col\"><style>.kt-accordion-id11349_7d904f-a4 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:18px;}.kt-accordion-id11349_7d904f-a4 .kt-accordion-panel-inner{border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;background:#ffffff;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px;}.kt-accordion-id11349_7d904f-a4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid var(--global-palette6, #718096);border-right:1px solid var(--global-palette6, #718096);border-bottom:1px solid var(--global-palette6, #718096);border-left:1px solid var(--global-palette6, #718096);border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:#ffffff;font-size:14px;line-height:24px;letter-spacing:1.5px;font-family:\"Outfit\", Helvetica, Arial, sans-serif;text-transform:uppercase;color:#444444;padding-top:14px;padding-right:16px;padding-bottom:14px;padding-left:16px;}.kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id11349_7d904f-a4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id11349_7d904f-a4 .kt-blocks-accordion-header:focus-visible{color:#444444;background:var(--global-palette7, #EDF2F7);border-top:1px solid var(--global-palette6, #718096);border-right:1px solid var(--global-palette6, #718096);border-bottom:1px solid var(--global-palette6, #718096);border-left:1px solid var(--global-palette6, #718096);}.kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette7, #EDF2F7);}.kt-accordion-id11349_7d904f-a4 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id11349_7d904f-a4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#444444;background:var(--global-palette7, #EDF2F7);border-top:1px solid #eeeae8;border-right:1px solid #eeeae8;border-bottom:1px solid #eeeae8;border-left:1px solid #eeeae8;}.kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id11349_7d904f-a4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette7, #EDF2F7);}@media all and (max-width: 1024px){.kt-accordion-id11349_7d904f-a4 .kt-accordion-panel-inner{border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id11349_7d904f-a4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid var(--global-palette6, #718096);border-right:1px solid var(--global-palette6, #718096);border-bottom:1px solid var(--global-palette6, #718096);border-left:1px solid var(--global-palette6, #718096);}}@media all and (max-width: 1024px){.kt-accordion-id11349_7d904f-a4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id11349_7d904f-a4 .kt-blocks-accordion-header:focus-visible{border-top:1px solid var(--global-palette6, #718096);border-right:1px solid var(--global-palette6, #718096);border-bottom:1px solid var(--global-palette6, #718096);border-left:1px solid var(--global-palette6, #718096);}}@media all and (max-width: 1024px){.kt-accordion-id11349_7d904f-a4 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id11349_7d904f-a4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #eeeae8;border-right:1px solid #eeeae8;border-bottom:1px solid #eeeae8;border-left:1px solid #eeeae8;}}@media all and (max-width: 767px){.kt-accordion-id11349_7d904f-a4 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id11349_7d904f-a4 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:18px;}.kt-accordion-id11349_7d904f-a4 .kt-accordion-panel-inner{border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;}.kt-accordion-id11349_7d904f-a4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid var(--global-palette6, #718096);border-right:1px solid var(--global-palette6, #718096);border-bottom:1px solid var(--global-palette6, #718096);border-left:1px solid var(--global-palette6, #718096);}.kt-accordion-id11349_7d904f-a4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id11349_7d904f-a4 .kt-blocks-accordion-header:focus-visible{border-top:1px solid var(--global-palette6, #718096);border-right:1px solid var(--global-palette6, #718096);border-bottom:1px solid var(--global-palette6, #718096);border-left:1px solid var(--global-palette6, #718096);}.kt-accordion-id11349_7d904f-a4 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id11349_7d904f-a4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #eeeae8;border-right:1px solid #eeeae8;border-bottom:1px solid #eeeae8;border-left:1px solid #eeeae8;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id11349_7d904f-a4 kt-accordion-has-9-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-arrow kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane11349_761e9c-d3\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">1. Wann brauche ich eine Auslandskrankenversicherung?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"\">F\u00fcr Reisen \u00fcber 56 Tage (oder au\u00dferhalb der EU) reicht eine normale Reisekrankenversicherung nicht aus. F\u00fcr l\u00e4ngere Aufenthalte brauchst du eine <strong>Langzeit-Auslandskrankenversicherung<\/strong>.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane11349_2102c1-f3\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">2. Wann und wie sollte ich sie abschlie\u00dfen?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"\">Am besten sp\u00e4testens <strong>2 Wochen vor Abreise.<\/strong> Der Abschluss erfolgt bei den meisten Versicherungen ganz einfach online oder per E-Mail. Du bist schon unterwegs? Kein Problem \u2013 Young Travellers bietet als eine der wenigen Anbieter auch Abschluss aus dem Ausland an.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane11349_6fe1db-4e\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">3. Kann ich sie aus dem Ausland heraus verl\u00e4ngern?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"\">Meist ist eine <strong>Verl\u00e4ngerung aus dem Ausland nicht m\u00f6glich.<\/strong> Deshalb: lieber etwas l\u00e4nger buchen \u2013 denn bei fr\u00fcherer R\u00fcckkehr bekommst du nicht genutzte Beitr\u00e4ge in der Regel zur\u00fcckerstattet.<br><strong>Tipp: <\/strong>Wenn n\u00f6tig, einfach eine neue Versicherung starten, sobald die alte ausl\u00e4uft \u2013 das ist bei Young Travellers m\u00f6glich!<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane11349_59ef1c-42\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">4. Muss ich meine deutsche Krankenkasse k\u00fcndigen?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"\">Das kommt ganz auf deine Pl\u00e4ne und deine deutsche Versicherung an. Bei Reisen \u00fcber 8 Wochen ist das<strong> oft sinnvoll<\/strong>. Bist du jedoch privat versichert, kl\u00e4re, ob ein Neueintritt f\u00fcr dich nachteilig sein kann.<br>Einfach bei deiner deutschen Krankenkasse anrufen oder mailen, die helfen dir weiter. Meist reicht die Best\u00e4tigung deiner Auslandskrankenversicherung als Nachweis.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-pane11349_91348b-81\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">5. Wo gilt die Versicherung?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"\">Je nach Tarif weltweit \u2013 mit oder ohne USA\/Kanada. Das Besondere bei Young Travellers: Du musst nur den teureren Tarif buchen, wenn du mehr als 50\u202f% der Zeit in den USA\/Kanada bist. Das spart bares Geld!<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-6 kt-pane11349_9b8c9a-0d\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">6. Wie l\u00e4uft die Erstattung ab?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"\">Du gehst vor Ort zum Arzt, zahlst die Rechnung selbst und reichst sie digital ein \u2013 z.\u202fB. \u00fcber Mail oder einer App. Die Erstattung erfolgt oft innerhalb weniger Tage.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-7 kt-pane11349_042a9a-8b\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">7. Was kostet eine Auslandskrankenversicherung?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"\">Das variiert Je nach Reiseziel, Dauer, Alter und Tarif. Eine genaue \u00dcbersicht findest du direkt auf der Website von <a href=\"https:\/\/www.young-travellers.com\/blogger\/affiliate-saltwatersecrets\/\" target=\"_blank\" rel=\"noreferrer noopener sponsored nofollow\"><strong>Young Travellers<\/strong><\/a>*.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-8 kt-pane11349_48d8a6-c8\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">8. Wie lange gilt eine Auslandskrankenversicherung?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"\">Das h\u00e4ngt ganz davon ab, wie lange du reisen m\u00f6chtest. In der Regel schlie\u00dft du die Versicherung so ab, dass sie genau mit dem Start deiner Reise beginnt und mit dem geplanten R\u00fcckkehrdatum endet \u2013 oder sp\u00e4testens dann, wenn die maximale Laufzeit erreicht ist. Viele Anbieter versichern dich bis zu 12 Monate. Bei Young Travellers ist sogar eine Reisedauer von bis zu 5 Jahren m\u00f6glich \u2013 was f\u00fcr Langzeitreisende und digital Nomads nat\u00fcrlich ideal ist.<\/p>\n\n\n\n<p class=\"\"><strong>Mein Tipp: <\/strong>Lieber ein paar Wochen l\u00e4nger abschlie\u00dfen \u2013 du kannst die Versicherung bei fr\u00fcherer R\u00fcckkehr unkompliziert k\u00fcndigen und bekommst den \u00fcbersch\u00fcssigen Beitrag zur\u00fcck. Verl\u00e4ngern aus dem Ausland ist hingegen oft schwierig.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-9 kt-pane11349_4e89b1-11\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">9. Was ist bei einer Auslandskrankenversicherung alles abgedeckt?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<p class=\"\">Grunds\u00e4tzlich decken alle g\u00e4ngigen Auslandskrankenversicherungen akute Notf\u00e4lle ab \u2013 also alles, was dir auf Reisen passieren kann und schnell behandelt werden muss: Fieber, Verletzungen, Zahnschmerzen oder ein gebrochenes Bein. Solche Behandlungen werden \u00fcbernommen, aber: Sonderw\u00fcnsche wie Einzelzimmer oder Chefarztbehandlung geh\u00f6ren in der Regel nicht dazu.<\/p>\n\n\n\n<p class=\"\">Wenn du keinen Selbstbehalt m\u00f6chtest oder Wert auf zus\u00e4tzliche Leistungen wie Zahnvorsorge, Schwangerschaft oder unbegrenzte Zahnarztkosten legst, solltest du unbedingt einen Premium-Tarif w\u00e4hlen.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Dieser Artikel handelt von meiner pers\u00f6nlichen Empfehlungen f\u00fcr eine Auslandskrankenversicherung ab einer Reisedauer von einem Monat. Du planst eine l\u00e4ngere Reise \u2013 vielleicht als surfbegeisterter Nomade, digitaler Freigeist, Backpacker oder einfach, weil du das Leben am Meer liebst? Dann gibt es etwas, das auf deiner To-Do-Liste ganz oben stehen sollte: eine gute Auslandskrankenversicherung. Denn egal&#8230;<\/p>\n","protected":false},"author":2,"featured_media":11353,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_wp_convertkit_post_meta":{"form":"-1","landing_page":"","tag":"0","restrict_content":"0"},"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[153,212],"tags":[218,217],"class_list":["post-11349","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-nomad","category-reiseplanung","tag-auslandskrankenversicherung","tag-reiseplanung"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Die beste Auslandskrankenversicherung f\u00fcr Surf Nomads &amp; 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