Delay insurance after 4 hours per Metal Card Advertising; The N26 premium accounts include a mobility and travel insurance :

1. Emergency medical cover that covers you, your spouse and your children (which also includes dental insurance and winter sports insurance)
2. Trip curtailment or cancellation insurance
3. Flight delay insurance and luggage delay or loss cover
4. Bike, scooter and car sharing insurance
5. Car rental insurance
6. Cell phone insurance