Travel insurance — Austria

[1] Medical expenses: €320,000 – €1,000,000 ↩

Total cost coverage for all insured medical services per claim and insurance period is capped at EUR 320,000 under Top Jahresreiseschutz (Basis) and at EUR 1,000,000 under Top Jahresreiseschutz PLUS.

[2] Medical transport: Covered ↩

Medical transport is organized and covered by the Assistance-Zentrale, which decides on the means of transport and accommodation based on medical necessity and reasonableness; a specific monetary sub-limit was not confirmed.

[3] COVID-19 treatment: Conditional ↩

Under Top Jahresreiseschutz PLUS, illnesses designated as an epidemic by a national health authority or as a pandemic by the WHO (e.g. COVID-19) are treated as a covered illness within the combined EUR 1,000,000 medical benefits cap. Under the Basis tier (Top Jahresreiseschutz), epidemics and pandemics are explicitly excluded from cover.

[4] Personal liability: See details ↩

Travel personal liability sums found in search results (e.g. up to EUR 300,000/500,000) relate to a different Allianz Assistance (AWP) product line and could not be confirmed for Top Jahresreiseschutz / Top Jahresreiseschutz PLUS.

[5] Emergency dental: See details ↩

No specific sub-limit for emergency dental treatment could be confirmed in the reviewed source documents.

[6] Search & rescue: See details ↩

Unlabeled EUR amounts appear in the T&C text near assistance-service provisions, but no source could be confirmed clearly attributing a specific sub-limit to search and rescue costs for this exact product.

[7] Legal assistance: €2,000 ↩

Legal assistance/advice costs related to a covered event are reimbursed up to EUR 2,000 per insurance period.

[8] Emergency medical treatment: €320,000 – €1,000,000 ↩

Emergency medical treatment costs abroad fall under the combined benefits cap of EUR 320,000 (Basis) or EUR 1,000,000 (PLUS) per claim and insurance period.

[9] Hospitalization: €320,000 – €1,000,000 ↩

Hospital treatment costs abroad are covered within the same combined cap of EUR 320,000 (Basis) or EUR 1,000,000 (PLUS) per claim and insurance period.

[10] Outpatient treatment: €320,000 – €1,000,000 ↩

Outpatient/ambulatory medical treatment abroad is covered under the same combined benefits cap of EUR 320,000 (Basis) or EUR 1,000,000 (PLUS) per claim and insurance period.

[11] Medical evacuation: Covered ↩

The product overview references cost coverage for medical evacuation/repatriation as part of the assistance services; a specific monetary sub-limit for evacuation alone was not confirmed.

[12] Repatriation of remains: See details ↩

Not confirmed with a specific value in the reviewed source documents.

[13] Pre existing conditions: Excluded ↩

No cover applies to events or conditions that had already occurred and were recognizable to the insured person at the start of the insurance or at the start of the trip.

[14] Winter sports cover: See details ↩

Not confirmed as a distinct, separately-defined benefit in the reviewed source documents.

[15] Adventure sports cover: See details ↩

Not confirmed as a distinct, separately-defined benefit in the reviewed source documents.

[16] Pregnancy complications: See details ↩

Not addressed with a specific benefit or exclusion in the reviewed source documents.

[17] Medical expenses: €300,000 – €1,000,000 ↩

Covers inpatient and outpatient medical treatment abroad including transport to hospital. BASIC: up to €300,000 (separate outpatient sub-limit line listed but exact figure not retrievable from the excerpt); CLASSIC: up to €500,000 (unexpected acute chronic illness sub-limit €50,000); ALL RISK MED: up to €1,000,000.

[18] Medical transport: Covered ↩

Ambulanzjet or medically necessary repatriation, or after 3 days of hospitalization, reimbursed at 100% of cost in all three tiers (BASIC, CLASSIC, ALL RISK MED); CLASSIC/ALL RISK MED apply a 100% rate also to unexpected acute chronic-illness cases up to €50,000.

[19] COVID-19 treatment: Conditional ↩

A sudden, unexpected serious illness of the insured person that is officially classified as an epidemic or pandemic disease (e.g. Covid-19) is explicitly named as a covered illness event triggering medical assistance/repatriation and trip-cancellation benefits. However, general circumstances arising from an epidemic or pandemic (e.g. travel restrictions, not personal illness) are separately excluded from certain benefits such as trip interruption (Reiseabbruch) under the policy's exclusion clauses.

[20] Personal liability: See details ↩

Not found as a benefit line in the retrieved excerpts of the BASIC, CLASSIC or ALL RISK MED benefit tables.

[21] Emergency dental: Covered ↩

Emergency (pain-relief) dental treatment abroad is reimbursed as part of the general 'Krankenversicherung im Ausland bei Unfall und Krankheit' (medical treatment abroad) benefit, which is capped at €320,000 per year for Top Jahresreiseschutz and €1,000,000 per year for Top Jahresreiseschutz PLUS. No separate stand-alone dental sub-limit is stated in the official coverage overview.

[22] Search & rescue: €11,000 ↩

Such- und Bergungskosten im Ausland (search and rescue costs abroad, including helicopter rescue) are covered up to €11,000 per insured event.

[23] Legal assistance: See details ↩

Not found as a benefit line in the retrieved excerpts of the BASIC, CLASSIC or ALL RISK MED benefit tables.

[24] Emergency medical treatment: €300,000 – €1,000,000 ↩

Same benefit line as medical treatment expenses: BASIC up to €300,000, CLASSIC up to €500,000, ALL RISK MED up to €1,000,000 for stationary/ambulatory treatment including transport to hospital.

[25] Hospitalization: €300,000 – €1,000,000 ↩

Stationäre Behandlung (inpatient treatment): BASIC up to €300,000, CLASSIC up to €500,000, ALL RISK MED up to €1,000,000, as part of the combined inpatient/outpatient treatment limit.

[26] Outpatient treatment: €300,000 – €1,000,000 ↩

Ambulante Behandlung is listed as its own row in BASIC (exact sub-limit not retrievable from the excerpt) and is combined with inpatient treatment in CLASSIC (€500,000) and ALL RISK MED (€1,000,000).

[27] Medical evacuation: Covered ↩

Covered under the same Ambulanzjet/Heimtransport benefit line as medical_transport, reimbursed at 100% of cost in all three tiers.

[28] Repatriation of remains: Unlimited ↩

Überführung im Todesfall: if the insured person dies during a trip, the Assistance-Zentrale covers the full costs ('volle Kosten') of repatriating the mortal remains to the permanent residence in Austria.

[29] Pre existing conditions: €30,000 – €500,000 ↩

BASIC covers unexpected acute flare-ups of chronic illness up to €30,000; CLASSIC up to €50,000; ALL RISK MED additionally provides an 'All Risk Med-Schutz' covering treatment costs for pre-existing physical and psychological conditions up to €500,000. Conditions known at the time of taking out the policy are otherwise excluded.

[30] Winter sports cover: Conditional ↩

No specific stand-alone winter-sports benefit or limit is stated for this product in the official documents reviewed. Ordinary recreational winter sports (e.g. skiing/snowboarding on marked pistes) fall under the general accident and medical-assistance benefits (including the €11,000 search-and-rescue limit and the general medical treatment sum insured), while participation in Extremsportarten (extreme/high-risk sports) is excluded per the general exclusions referenced in the policy's FAQ.

[31] Adventure sports cover: Excluded ↩

The insurer's official FAQ states that common exclusions from the travel insurance contract include risky activities such as extreme sports (Extremsportarten), acts of war, or terrorism ('Zu den üblichen Ausschlüssen gehören risikoreiche Aktivitäten wie Extremsportarten, Kriegshandlungen oder Terrorismus'). Detailed lists of general and specific exclusions are set out in the Allgemeine Versicherungsbedingungen (AVB).

[32] Pregnancy complications: Conditional ↩

Pregnancy of the insured person is listed as a covered ground for trip cancellation/interruption, but only if the pregnancy was medically established and confirmed after the insurance was taken out and the trip was booked ('Schwangerschaften der versicherten Personen, wenn die Schwangerschaft nach Versicherungsabschluss und Reisebuchung ärztlich festgestellt und bestätigt wurde'). Pregnancies known at the time of booking are not covered under this ground.

[33] Medical expenses: Covered ↩

Costs of medically unavoidable inpatient and outpatient treatment of illness or accident consequences abroad are reimbursed at up to 100% (including any social insurance benefit) or 90% (without social insurance contribution); the exact sum insured is set out in the individual policy.

[34] Medical transport: Covered ↩

Costs of transport to the nearest hospital in the event of an accident or illness abroad are reimbursed at 90% where no social-insurance claim exists, or up to 100% where the amount exceeds a partial social insurance benefit.

Die Kosten des Transports in die nächstgelegene Krankenanstalt sowie Medikamenten- und Arztkosten für Behandlungen außerhalb einer Krankenanstalt werden zu 90 Prozent ersetzt, sofern ein Anspruch auf Kostenersatz aus der Sozialversicherung nicht besteht.

[35] COVID-19 treatment: Conditional ↩

There is no general exclusion for epidemic or pandemic illness in the health insurance; however, no cover applies to illness or accidents related to a crisis event if the insured deliberately travels to, or remains in, a region for which the Austrian authorities have issued a (partial) travel warning after the crisis began.

Erkrankungen im Zuge einer Epidemie und Pandemie sind grundsätzlich versichert. Wenn Sie vorsätzlich in ein Krisengebiet reisen bzw. dort bleiben, sind Erkrankungen und Folgen aus Unfällen, die im Zusammenhang mit Krisenereignissen entstehen, nicht im Versicherungsschutz enthalten.

[36] Personal liability: See details ↩

No personal liability benefit is mentioned in any of the reviewed sources for this product.

[37] Emergency dental: Conditional ↩

Acute, medically unavoidable dental pain treatment is covered as part of the general outpatient/inpatient treatment benefit, but conservative and prosthetic dental treatment (fillings, dentures/tooth replacement) is explicitly excluded.

auf konservierende und prothetische Zahnbehandlungen und auf die Beistellung von Heilbehelfen (zum Beispiel Brillen, Mieder, Prothesen) sowie alle sonst zur Körper- und Krankenpflege dienenden Apparate und Behelfe

[38] Search & rescue: €10,000 ↩

The insurer covers 90% of the costs for search and rescue of accident victims, up to a maximum of EUR 10,000.

Die DONAU Versicherung übernimmt 90 % der Kosten für die Suche und Bergung von Unfallopfern (max. bis 10.000,- Euro).

[39] Legal assistance: See details ↩

No legal assistance/legal protection benefit is mentioned in any of the reviewed sources for this product.

[40] Emergency medical treatment: Covered ↩

Treatment of illness or accident consequences that arise acutely during a covered stay abroad is reimbursed at up to 100% (with social insurance contribution) or 90% (without); only medically unavoidable, appropriate and locally customary treatment costs are covered.

Der Versicherer ersetzt nach Maßgabe der Absätze 4.2. bis 4.3. Kosten, die dem Versicherten durch während der Dauer des Versicherungsschutzes durchgeführte, aus medizinischen Gründen unaufschiebbare Behandlungen von Krankheitszuständen und Unfallfolgen entstehen, die akut während eines versicherten Auslandsaufenthaltes (Absatz 3.2.) auftreten.

[41] Hospitalization: Covered ↩

Costs of operative and non-operative inpatient treatment in standard accommodation of a public hospital (or comparably priced private clinic) are reimbursed at 90%, provided the insurer/partner is informed immediately after admission; if social insurance pays part of the cost, the amount exceeding the social insurance benefit is reimbursed, effectively up to 100%.

Die Kosten stationärer Behandlungen operativer und nicht operativer Art bei Standardunterbringung in öffentlichen Spitälern und preislich gleichgestellten Privatkrankenanstalten werden zu 90 Prozent ersetzt, sofern unverzüglich nach der Aufnahme in das Spital der Versicherer... informiert wird.

[42] Outpatient treatment: Covered ↩

Doctor and medication costs for treatment outside a hospital are reimbursed at 90% where no social-insurance claim exists (the portion exceeding any social insurance benefit is reimbursed up to the maximum amounts stated in the policy leaflet/Merkblatt where a partial social insurance claim exists).

Die Kosten des Transports in die nächstgelegene Krankenanstalt sowie Medikamenten- und Arztkosten für Behandlungen außerhalb einer Krankenanstalt werden zu 90 Prozent ersetzt, sofern ein Anspruch auf Kostenersatz aus der Sozialversicherung nicht besteht.

[43] Medical evacuation: Unlimited ↩

The SOS repatriation service covers 100% of the additional cost of the homeward journey of the sick/injured insured person and of the cheapest homeward journey of co-insured family members/partners, with no sum limit according to the insurer's FAQ.

Der SOS-Rückholdienst holt Sie und Ihre mitversicherte Familie im Ernstfall nach Österreich zurück. Wir übernehmen die zusätzlichen Kosten einer Heimfahrt bzw. eines Heimfluges des oder der erkrankten oder verletzten Versicherten – und das alles ohne Summenbegrenzung.

[44] Repatriation of remains: Covered ↩

If the insured dies during a covered stay abroad, 100% of the cost of transferring the remains to the former place of residence is covered, provided the transport/transfer is arranged by a provider authorized under the accompanying policy leaflet (Merkblatt); no fixed sum is stated.

der Überführung eines während eines versicherten Auslandsaufenthaltes verstorbenen Versicherten zu seinem früheren Wohnort, sofern der Krankentransport oder die Überführung von einem laut dem beiliegenden Merkblatt dazu berechtigten Unternehmen vermittelt wird.

[45] Pre existing conditions: Conditional ↩

For contracts concluded before the insured turns 75, acute attacks or episodes of existing chronic or latent illnesses occurring abroad are treated the same as newly arising illnesses and are covered. If the contract is newly concluded at age 75 or older, pre-existing conditions are not covered at all.

Bei Vertragsabschluss vor Vollendung des 75. Lebensjahres sind solchen Krankheitszuständen und Unfallfolgen während des Auslandsaufenthaltes auch akut werdende Anfälle oder Schübe bestehender chronischer oder latenter Erkrankungen gleichgestellt.

[46] Winter sports cover: See details ↩

None of the reviewed sources state a specific benefit or exclusion for recreational winter sports; only accidents from active participation in sports competitions/championships or official training for such events are excluded.

Folgen aus Unfällen, die durch aktive Teilnahme an sportlichen Wettbewerben und Wettkämpfen sowie am offiziellen Training für solche Veranstaltungen entstehen;

[47] Adventure sports cover: See details ↩

None of the reviewed sources state a specific benefit or exclusion for adventure/extreme sports; only accidents from active participation in sports competitions/championships or official training for such events are excluded.

Folgen aus Unfällen, die durch aktive Teilnahme an sportlichen Wettbewerben und Wettkämpfen sowie am offiziellen Training für solche Veranstaltungen entstehen;

[48] Pregnancy complications: Excluded ↩

Pregnancy check-ups, childbirth and termination of pregnancy are explicitly excluded from cover.

Schwangerschaftsuntersuchungen, Entbindungen oder Schwangerschaftsabbrüche;

[49] Medical expenses: €1,000,000 ↩

Inpatient treatment abroad is covered up to €1,000,000 per trip; outpatient treatment, hospital transport and repatriation are reimbursed at 100% of costs without a separately stated cap, subject to an overall €500,000 sublimit for acute flare-ups of pre-existing conditions.

14.Stationäre Behandlung bis € 1.000.000

[50] Medical transport: Covered ↩

Transport to the nearest hospital and medically necessary transfer transport are reimbursed at 100% of costs.

12.Transport ins Krankenhaus/Verlegungstransport bis 100 %

[51] COVID-19 treatment: Covered ↩

Unexpected acute illness including epidemic or pandemic diseases (such as COVID-19) is covered under the same medical benefits as other unexpected illnesses abroad.

Versicherungsfall ist eine unerwartet akut eintretende Erkrankung (einschließlich epidemischer oder pandemischer Krankheiten), der Eintritt einer unfallbedingten Körperverletzung oder der Eintritt des Todes der versicherten Person während einer Reise im Ausland.

[52] Personal liability: €500,000 ↩

Personal and property damages caused as a private individual are covered up to a lump sum of €500,000, of which damage to rented premises (including inventory) is limited to €25,000.

23.Sach- und Personenschäden pauschal bis € 500.000 davon Sachschäden an gemieteten Räumen (inkl. Inventar) bis € 25.000

[53] Emergency dental: Covered ↩

Pain-relieving dental treatment, including simple fillings, is covered as part of outpatient treatment abroad; no separate cap is stated.

die ambulante ärztliche Behandlung inklusive ärztlich verordneter Heilmittel und schmerzstillender Zahnbehandlungen (einschließlich Zahnfüllungen in einfacher Ausfertigung);

[54] Search & rescue: €80,000 ↩

Search and rescue costs in case of accident, mountain or maritime distress are covered up to €80,000.

Bei Unfall, Berg- oder Seenot ersetzen wir die Such- und Bergungskosten bis € 80.000.

[55] Legal assistance: €3,000 ↩

The insurer helps obtain a lawyer/interpreter and provides an advance for a lawyer up to €3,000, plus a separate advance for bail up to €13,000.

25.Vorschuss für Anwalt bis € 3.000 26.Vorschuss für Strafkaution bis € 13.000

[56] Emergency medical treatment: Covered ↩

Emergency outpatient medical treatment abroad, including prescribed medicines, is reimbursed at 100% of costs.

die ambulante ärztliche Behandlung inklusive ärztlich verordneter Heilmittel und schmerzstillender Zahnbehandlungen (einschließlich Zahnfüllungen in einfacher Ausfertigung);

[57] Hospitalization: €1,000,000 ↩

Inpatient hospital treatment abroad including prescribed medicines is covered up to €1,000,000 per trip.

14.Stationäre Behandlung bis € 1.000.000

[58] Outpatient treatment: Covered ↩

Outpatient medical treatment abroad is reimbursed at 100% of costs; no separate monetary ceiling is stated beyond the overall pre-existing-condition sublimit of €500,000.

13.Ambulante Behandlung bis 100 %

[59] Medical evacuation: Covered ↩

Repatriation when medically necessary, including air ambulance jet, is reimbursed at 100% of costs; repatriation after 3 days of hospitalization without medical necessity is also covered (excluding air ambulance jet).

15.Heimtransport bei medizinischer Notwendigkeit (inkl. Ambulanzjet) bis 100 %

[60] Repatriation of remains: Covered ↩

Repatriation of the deceased in standard form to the home country, or alternatively burial at the place of death (up to the cost of standard repatriation), is reimbursed at 100%.

22.Überführung im Todesfall oder Begräbnis am Ereignisort bis 100 %

[61] Pre existing conditions: €500,000 ↩

A pre-existing illness or injury is covered only if it unexpectedly becomes acute during the trip; total benefits for such cases (medical treatment, transport, repatriation) are capped at €500,000.

Eine bei Reiseantritt bestehende Erkrankung oder Unfallfolge ist versichert, wenn diese unerwartet akut wird und nicht gemäß Artikel 25 vom Versicherungsschutz ausgeschlossen ist. Ersetzt werden die in Artikel 23 und Artikel 24 angeführten Kosten bis zur vereinbarten Versicherungssumme für bestehende Erkrankungen.

[62] Winter sports cover: See details ↩

The sources do not separately address winter sports cover as a distinct benefit.

[63] Adventure sports cover: Excluded ↩

Events arising from extreme sports are excluded from cover (except trip cancellation); diving is limited to a valid international qualification and max. 40m depth, and mountaineering to a max. altitude of 6,000m.

1.19. bei Ausübung einer Extremsportart auftreten. Punkt 1.19. gilt nicht für Reisestorno.

[64] Pregnancy complications: Conditional ↩

Unexpected serious pregnancy complications and premature births are covered up to the end of the 35th week of pregnancy; costs for the newborn are reimbursed within the sum insured agreed for the mother.

Unerwartete Schwangerschaftskomplikationen und unerwartete Frühgeburten sind bis einschließlich der 35. Schwangerschaftswoche versichert. Die im Punkt 2. angeführten Kosten werden für das neugeborene Kind innerhalb der für die versicherte Mutter vereinbarten Versicherungssumme ersetzt.

[65] Medical expenses: €1,000,000 ↩

Covers the costs of outpatient and inpatient medical treatment during an insured trip abroad due to acute illness or accident, up to a combined sum of €1,000,000; the sums in the benefits schedule cap the insurer's liability for all insured events per trip.

Wir ersetzen die Kosten für ambulante Behandlung und für stationäre Behandlung bis € 1.000.000 im Ausland.

[66] Medical transport: Covered ↩

The insurer organizes and pays for transport to the nearest hospital and any medically necessary transfer transport; no separate cap is stated beyond the overall medical sum.

den Transport ins nächstgelegene Krankenhaus und einen medizinisch notwendigen Verlegungstransport;

[67] COVID-19 treatment: Covered ↩

Epidemic and pandemic illness is now explicitly named as an insured event: both the IPID and the Art. 23.1 definition of the insured event expressly include unexpected, acutely occurring illness "including epidemic or pandemic illness", covered within the overall €1,000,000 medical sum.

Versichert sind unerwartet akut eintretende Erkrankungen auch bei Pandemien und Epidemien oder Unfall während der Reise im Ausland.

[68] Personal liability: €500,000 ↩

Covers, as a lump sum, the settlement of justified claims or the defence against unjustified claims for bodily injury and property damage caused by the insured person as a private individual during the trip, up to €500,000; within this, damage to rented accommodation (including inventory) is limited to €25,000.

Versichert sind die Erfüllung berechtigter oder die Abwehr unberechtigter Schadenersatzansprüche wegen eines als Privatperson verursachten Sach- und Personenschadens pauschal bis € 500.000.

[69] Emergency dental: Covered ↩

Pain-relief dental treatment, including simple dental fillings, is covered as part of outpatient treatment abroad within the shared €1,000,000 medical sum; no separate sub-limit is stated.

die ambulante ärztliche Behandlung inklusive ärztlich verordneter Heilmittel und schmerzstillender Zahnbehandlungen (einschließlich Zahnfüllungen in einfacher Ausfertigung);

[70] Search & rescue: €80,000 ↩

In the event of an accident, mountain or sea distress, search and rescue costs are reimbursed up to €80,000.

Bei Unfall, Berg- oder Seenot ersetzen wir die Such- und Bergungskosten bis € 80.000.

[71] Legal assistance: €13,000 ↩

If the insured person is threatened with or taken into detention abroad, the insurer helps arrange a lawyer and interpreter and provides an advance of up to €3,000 for a lawyer and up to €13,000 for bail, repayable within two weeks of returning from the trip (at the latest within two months of receiving the funds).

25.Vorschuss für Anwalt bis € 3.000 26.Vorschuss für Strafkaution bis € 13.000

[72] Emergency medical treatment: €1,000,000 ↩

An insured event is an unexpected, acutely occurring illness (including epidemic or pandemic illness), accident-related injury or death of the insured person during a trip abroad; treatment costs are reimbursed within the shared €1,000,000 medical sum.

Versicherungsfall ist eine unerwartet akut eintretende Erkrankung (einschließlich epidemischer oder pandemischer Krankheiten), der Eintritt einer unfallbedingten Körperverletzung oder der Eintritt des Todes der versicherten Person während einer Reise im Ausland.

[73] Hospitalization: €1,000,000 ↩

Inpatient hospital treatment abroad including prescribed medicines is covered up to €1,000,000; this is the same combined limit shared with outpatient treatment, not a separate sub-limit.

14.Stationäre Behandlung bis € 1.000.000

[74] Outpatient treatment: Covered ↩

Outpatient medical treatment abroad is covered at 100% within the shared €1,000,000 sum that also covers inpatient treatment; the benefits table lists it as "up to 100%" rather than a separate monetary cap.

13.Ambulante Behandlung bis 100 %

[75] Medical evacuation: Covered ↩

The insurer organizes and pays for repatriation to the country of residence when medically necessary, including by air ambulance, with doctor escort and medically adequate transport if required.

Wir organisieren bei medizinischer Notwendigkeit den Heimtransport und übernehmen die anfallenden Kosten.

[76] Repatriation of remains: Covered ↩

In the event of death, the insurer covers repatriation of the deceased in standard form to the country of residence, or alternatively the costs of burial at the place of the incident up to the equivalent cost of a standard repatriation.

die Überführung Verstorbener in der Standardnorm ins Wohnsitzland, aus dem die Reise angetreten wurde, oder stattdessen für das Begräbnis am Ereignisort (maximal bis zur Höhe der Kosten einer Überführung in der Standardnorm);

[77] Pre existing conditions: €500,000 ↩

A medical condition or accident sequela that already existed before the trip is covered only if it unexpectedly becomes acute during the trip and is not otherwise excluded; the maximum aggregate benefit for such events is €500,000.

Maximalleistung bei unerwartetem Akutwerden einer bestehenden Erkrankung gesamt bis € 500.000

[78] Winter sports cover: Not established from the reviewed documents ↩

The official KomplettSchutz exclusion list (Article 6 of the ERV-RVB 2024 conditions) and the product's IPID do not name recreational winter sports as a separately covered or excluded activity; the explicit coverage restrictions are travel into undeveloped/unexplored areas or above 6,000 m altitude, professional sport, motor sport, and participation in official national/international sports competitions and their official training.

bei Reisen in unerschlossene oder unerforschte Gebiete sowie in einer Seehöhe über 6.000 m eintreten; ... bei Ausübung von Berufssport inklusive Training entstehen; bei Teilnahme an Landes-, Bundes- oder internationalen Sportwettbewerben sowie am offiziellen Training für diese Veranstaltungen auftreten.

[79] Adventure sports cover: Conditional ↩

Tauchen ist nur mit gültiger internationaler Berechtigung für die jeweilige Tiefe und nur bis maximal 40 m Tiefe versichert; Bergsteigen ist bis max. 6.000 m Seehöhe gedeckt. Berufssport, Extremsport, Motorsport sowie offizielle Wettbewerbe sind ausgeschlossen.

[80] Pregnancy complications: Conditional ↩

Unexpected severe pregnancy complications and premature births are covered up to and including the 35th week of pregnancy, within the overall medical sum; terminations of pregnancy and complications occurring after the 35th week are excluded.

Unerwartete Schwangerschaftskomplikationen und unerwartete Frühgeburten sind bis einschließlich der 35. Schwangerschaftswoche versichert.

[81] Medical expenses: €250,000 – €500,000 ↩

Combined sum insured for outpatient treatment, inpatient treatment and medication costs abroad due to acute illness or accident; up to EUR 250,000 under Travelstar Single or EUR 500,000 under Family & Friends. This is a shared sum insured for the whole Reisekranken-/Reiseunfall module (ABRV point 1.6).

[82] Medical transport: €250,000 – €500,000 ↩

Costs of medically necessary transport to the nearest hospital abroad for inpatient or outpatient treatment and back to accommodation; up to EUR 250,000 (Single) or EUR 500,000 (Family & Friends).

[83] COVID-19 treatment: €250,000 – €500,000 ↩

Illnesses classified as an epidemic or pandemic, such as COVID-19, are explicitly covered as acute illness abroad under the same medical/accident sum insured (EUR 250,000 Single / EUR 500,000 Family & Friends); quarantine also triggers a separate EUR 1,000 per person hotel-cost benefit.

Versichert sind während der Reise im Ausland akut auftretende Krankheiten (einschließlich einer als Epidemie oder Pandemie eingestuften Krankheit wie z. B. Covid-19) und Schwangerschaftskomplikationen bis einschließlich der 35. Schwangerschaftswoche sowie Quarantäne und Unfälle des Versicherten.

[84] Personal liability: €440,000 ↩

Lump-sum liability cover for personal injury and property damage claims arising from an event during the insurance period while travelling abroad, up to EUR 440,000; this flat limit applies under both Single and Family & Friends.

[85] Emergency dental: Conditional ↩

Only simple dental fillings needed for immediate pain relief are covered as part of the general medical treatment costs; conservative or prosthetic dental treatment is excluded and no separate limit is stated.

konservierende oder prothetische Zahnbehandlungen bzw. Behandlungen, die nicht der Erstversorgung zur unmittelbaren Schmerzbekämpfung dienen. Die Kosten für zur unmittelbaren Schmerzbekämpfung notwendiger Zahnfüllungen in einfacher Ausfertigung sind jedoch versichert.

[86] Search & rescue: €11,000 ↩

Search, rescue and recovery costs including helicopter rescue, up to EUR 11,000 per insured person, the same limit applies under both Single and Family & Friends.

Such-, Bergungs- und Rettungskosten (einschließlich Helikopterbergung), höchstens jedoch € 11.000,-- pro versicherter Person.

[87] Legal assistance: €5,500 ↩

Costs of legal assistance abroad in emergencies (e.g. criminal prosecution measures) are covered up to EUR 5,500, the same limit for both Single and Family & Friends.

Bei Notfällen gemäß den Punkten 9.1. bis 9.5. sind die Kosten von Dolmetschern bis € 2.200,-- und die Kosten von Rechtsbeiständen bis € 5.500,-- versichert.

[88] Emergency medical treatment: €250,000 – €500,000 ↩

Covers acute illness and accidents abroad including outpatient and inpatient emergency treatment and guarantees of payment issued directly to hospitals; up to EUR 250,000 (Single) or EUR 500,000 (Family & Friends), from the shared medical/accident sum insured.

[89] Hospitalization: €250,000 – €500,000 ↩

Inpatient hospital treatment abroad due to acute illness or accident; up to EUR 250,000 (Single) or EUR 500,000 (Family & Friends), from the shared medical/accident sum insured.

[90] Outpatient treatment: €250,000 – €500,000 ↩

Outpatient medical treatment abroad due to acute illness or accident; up to EUR 250,000 (Single) or EUR 500,000 (Family & Friends), from the shared medical/accident sum insured.

[91] Medical evacuation: €250,000 – €500,000 ↩

Organisation and cost of emergency repatriation from abroad, using an air ambulance jet if medically necessary, when local treatment is insufficient; up to EUR 250,000 (Single) or EUR 500,000 (Family & Friends).

[92] Repatriation of remains: €22,000 – €44,000 ↩

Costs of repatriating a person who dies abroad during the trip, or burial costs at the place of death; limited to EUR 22,000 per deceased person and EUR 44,000 in total per policy (Family & Friends).

Kosten der Überführung eines während einer Reise im Ausland verstorbenen Versicherten oder Kosten der Bestattung vor Ort. Die Entschädigung für diese Kosten ist mit € 22.000,-- pro Verstorbenem und insgesamt mit € 44.000,-- begrenzt.

[93] Pre existing conditions: €15,000 ↩

Pre-existing illnesses that had already occurred or were foreseeable at contract conclusion or travel start are generally excluded; however, treatment costs for a chronic illness that becomes unexpectedly acute after the trip has started are covered up to EUR 15,000, and related emergency/repatriation transport up to EUR 50,000.

Die Leistung für Heilbehandlungskosten von chronischen Erkrankungen wird nur dann übernommen, wenn diese nach Reiseantritt unerwartet akut werden und ist mit € 15.000,-- begrenzt.

[94] Winter sports cover: See details ↩

No separate winter sports benefit is offered; recreational winter sports are not excluded as such, but extreme sports, paragliding, unguided extreme high-altitude mountain tours above 6,000 metres, and professional sport are excluded (ABRV 5.2.2).

für Ereignisse die bei Extremsportarten, Fallschirmspringen, Paragleiten oder Ähnlichem, extremen Hochgebirgstouren ohne geprüften Bergführer, Hochgebirgstouren über 6.000 Meter und solchen, die nicht als Pauschalreise gebucht wurden oder sportlichen Aktivitäten im Wildwasser auftreten,

[95] Adventure sports cover: Excluded ↩

No cover for events occurring during extreme sports, parachuting, paragliding, extreme high-mountain touring without a certified guide, tours above 6,000 metres, non-package high-mountain tours, or whitewater sports, nor for professional sport.

für Ereignisse die bei Extremsportarten, Fallschirmspringen, Paragleiten oder Ähnlichem, extremen Hochgebirgstouren ohne geprüften Bergführer, Hochgebirgstouren über 6.000 Meter und solchen, die nicht als Pauschalreise gebucht wurden oder sportlichen Aktivitäten im Wildwasser auftreten,

[96] Pregnancy complications: €250,000 – €500,000 ↩

Pregnancy complications, including unexpected premature births, are covered up to and including the 35th week of pregnancy, from the shared medical/accident sum insured (EUR 250,000 Single / EUR 500,000 Family & Friends); pregnancies/deliveries from the 36th week, abortion and contraception-related treatment are excluded.

Versichert sind während der Reise im Ausland akut auftretende Krankheiten (einschließlich einer als Epidemie oder Pandemie eingestuften Krankheit wie z. B. Covid-19) und Schwangerschaftskomplikationen bis einschließlich der 35. Schwangerschaftswoche sowie Quarantäne und Unfälle des Versicherten.

[97] Medical expenses: Not established from the insurer's documents ↩

Reimburses locally customary, medically necessary treatment costs incurred abroad (outpatient and inpatient treatment, medication, dental first aid, radiology, physiotherapy, unavoidable operations) in unlimited amount unless a specific sub-limit is stated.

Erstattet werden die in der amtlichen Währung des Aufenthaltslandes entstandenen ortsüblichen Kosten, soweit nachstehend nicht ein anderer Betrag genannt wird, in unbegrenzter Höhe.

[98] Medical transport: Not established from the insurer's documents ↩

Transport to the nearest suitable hospital for inpatient treatment and back to the accommodation is covered in unlimited amount (VB-KV 2025 §1.2 j).

j) Krankentransporte zur stationären Behandlung in das nächsterreichbare geeignete Krankenhaus und zurück in die Unterkunft.

[99] COVID-19 treatment: Unlimited ↩

Medically necessary treatment costs for a COVID-19 infection incurred abroad are covered as ordinary illness, including costs above EUR 100,000; this remains the case since the WHO classified the coronavirus as a pandemic, and an official travel warning does not affect coverage.

[100] Personal liability: Excluded ↩

Personal liability abroad is not included in the annual travel health insurance tariff; the insurer's own tariff comparison marks "Reise-Haftpflichtversicherung" as not applicable for the Jahres-Auslandskrankenversicherung, while it is included in the single-trip Auslandskrankenversicherung.

Reise-Haftpflichtversicherung Zutreffend Nicht zutreffend

[101] Emergency dental: Not established from the insurer's documents ↩

Pain-relieving conservative dental treatment, simple fillings and repairs to existing dentures performed or prescribed by a dentist are covered in unlimited amount; dentures, crowns, orthodontics and implants are excluded (VB-KV 2025 §1.2 b, §3.2 k).

b)schmerzstillende konservierende Zahnbehandlungen einschließlich Zahnfüllungen in einfacher Ausführung sowie Reparaturen von vorhandenem Zahnersatz, sofern diese durch einen Zahnarzt durchgeführt oder verordnet werden.

[102] Search & rescue: Not established from the insurer's documents ↩

Neither the terms and conditions nor the product pages reviewed mention search and rescue cost coverage for this product.

[103] Legal assistance: Not established from the insurer's documents ↩

Legal assistance abroad is not mentioned in the terms and conditions of this travel health insurance product, nor in the insurer's tariff comparison pages reviewed.

[104] Emergency medical treatment: Not established from the insurer's documents ↩

Unavoidable (medically urgent) operations abroad are covered in full, in unlimited amount (VB-KV 2025 §1.2 i).

i) unaufschiebbare Operationen.

[105] Hospitalization: Not established from the insurer's documents ↩

Inpatient treatment in a facility recognised as a hospital in the country of stay, under permanent medical supervision, is reimbursed in unlimited amount (VB-KV 2025 §1.2 c).

c) unaufschiebbare stationäre Behandlungen, sofern diese in einer Einrichtung erfolgen, welche im Aufenthaltsland allgemein als Krankenhaus anerkannt ist, unter ständiger ärztlicher Leitung steht, über ausreichende diagnostische und therapeutische Möglichkeiten verfügt und Krankengeschichten führt.

[106] Outpatient treatment: Not established from the insurer's documents ↩

Medically necessary outpatient treatment abroad, including physician fees and prescribed medication, is reimbursed in unlimited amount (VB-KV 2025 §1.2 a, d).

a) ärztliche ambulante Behandlungen einschließlich durch Beschwerden hervorgerufener, medizinisch notwendiger Schwangerschaftsbehandlungen, Entbindungen bis zum Ende der 36. Schwangerschaftswoche (Frühgeburt), Behandlungen wegen Fehlgeburt sowie medizinisch notwendiger Schwangerschaftsabbrüche.

[107] Medical evacuation: Not established from the insurer's documents ↩

If medically advisable and reasonable, extra costs of a repatriation transport to the nearest suitable hospital at the insured's home address are covered in unlimited amount, including an escort where required; also covered if inpatient treatment abroad is expected to exceed 10 days or its cost exceeds the transport cost (VB-KV 2025 §1.6.1, §1.6.3).

Wir erstatten die Mehrkosten für einen Rücktransport zum nächstgelegenen geeigneten Krankenhaus an Ihrem Wohnort, sofern der Rücktransport medizinisch sinnvoll und vertretbar ist, und zwar je nach Ihrem Zustand per Eisenbahn, Autobus, Rettungsauto oder Flugzeug.

[108] Repatriation of remains: Not established from the insurer's documents ↩

In the event of death, burial costs abroad up to the amount that a repatriation would have cost, or the additional costs of repatriation to the permanent place of residence, are covered in unlimited amount (VB-KV 2025 §1.6.4).

Ersetzt werden auch die Kosten für eine Bestattung im Ausland bis zur Höhe der Aufwendungen, die bei einer Überführung entstanden wären oder die notwendigen Mehrkosten, die im Falle Ihres Ablebens durch Ihre Überführung an Ihren ständigen Wohnsitz entstehen.

[109] Pre existing conditions: Not established from the insurer's documents ↩

No cover exists for events that had already occurred at the time of booking or departure, or where it was already clear at departure that they would occur during the trip as planned; this also applies to pre-contractual conditions (VB-KV 2025 §4.5).

Kein Versicherungsschutz besteht für Ereignisse, die zum Zeitpunkt der Reisebuchung oder des Reiseantritts bereits eingetreten waren oder von denen bei Reiseantritt feststand, dass sie bei planmäßiger Durchführung der Reise stattfinden mussten. Dies gilt auch für vorvertragliche Leiden.

[110] Winter sports cover: Covered ↩

HanseMerkur's Austrian travel insurance range, which includes the Jahres-Auslandskrankenversicherung (VB-KV 2025 JRV-A), is explicitly marketed as including special winter sports cover, in particular search and recovery costs (Such- und Bergungskosten) for ski and snowboard accidents. The exact monetary limit applicable to the JRV-A tariff specifically could not be confirmed from the official terms, so no figure is stated.

Spezielle Wintersport-Abdeckung (z.B. Such- und Bergungskosten)

[111] Adventure sports cover: Not established from the insurer's documents ↩

The terms only exclude events occurring during motorsport competitions (rallies) and related training; general adventure sports cover is not otherwise addressed.

Kein Versicherungsschutz besteht für Ereignisse, die bei motorsportlichen Wettbewerben (Wertungsfahrten und Rallyes) und dem dazugehörigen Training auftreten.

[112] Pregnancy complications: Not established from the insurer's documents ↩

Medically necessary treatment for pregnancy-related complaints, deliveries up to the end of the 36th week of pregnancy (premature birth), treatment for miscarriage, and medically necessary termination of pregnancy are covered as an insured event, in unlimited amount; treatment for disorders of the reproductive organs is excluded (VB-KV 2025 §1.2 a, §2.1, §3.2 n).

Als Versicherungsfall gelten auch medizinisch notwendige Behandlungen wegen Beschwerden während der Schwangerschaft, Frühgeburten bis zur 36. Schwangerschaftswoche, Fehlgeburten, medizinisch notwendige Schwangerschaftsabbrüche sowie Tod.

[113] Medical expenses: Unlimited ↩

Outpatient medical treatment, medically necessary treatment, medication and dressing materials, radiology, physical therapy, unavoidable operations and medical transport abroad are reimbursed at the customary local cost in full (unlimited), in both the Sorglos and Premium tiers. Inpatient (hospital) treatment is subject to a separate limit — see 'hospitalization'.

[114] Medical transport: Unlimited ↩

Additional costs of transport to the nearest suitable hospital at the destination, and medically justified transport back to the accommodation, are covered without a monetary ceiling in both tiers.

[115] COVID-19 treatment: Unlimited ↩

The policy does not list any pandemic, epidemic or communicable-disease exclusion in the Reise-Krankenversicherung (the exclusions list only names HIV specifically). COVID-19 illness abroad is therefore covered as an ordinary illness under the general outpatient/inpatient treatment terms (unlimited outpatient cost reimbursement; inpatient capped at EUR 300,000 in Sorglos, unlimited in Premium).

[116] Personal liability: €750,000 – €1,000,000 ↩

General everyday private liability risks occurring on the trip (e.g. as head of family/household, cyclist, sports participant) are covered up to EUR 750,000 in the Sorglos tier and up to EUR 1,000,000 in the Premium tier. Liability for damage to rented accommodation (Mietsachschäden) is covered up to EUR 25,000 in both tiers.

[117] Emergency dental: Unlimited ↩

Pain-relieving conservative dental treatment, simple fillings and repairs of existing dentures performed or prescribed by a dentist are covered in both tiers, with no separate monetary limit stated (reimbursed as part of general treatment costs). Dentures, crowns, implants and orthodontic treatment are explicitly excluded.

[118] Search & rescue: €20,000 – €80,000 ↩

Under the Reise-Unfallversicherung (travel accident cover) bundled with this product, costs for search, rescue or recovery operations by public or private rescue services, transport to hospital, and additional return-travel costs are covered up to EUR 20,000 in the Sorglos tier and up to EUR 80,000 in the Premium tier.

[119] Legal assistance: Covered ↩

Within the Reise-Haftpflichtversicherung, costs of a legal dispute over a covered liability claim are borne in full and are not counted against the insured sum, in both tiers. Separately, under Reise-Assistance, HanseMerkur helps arrange a lawyer/interpreter and advances (as a repayable loan, not an indemnity) up to EUR 3,000 for legal, court and interpreter costs in case of arrest or threat of arrest, and up to EUR 13,000 as a loan for bail, identical in both tiers.

[120] Emergency medical treatment: Unlimited ↩

Non-deferrable/emergency treatments, urgent operations and emergency ambulant care abroad are covered in unlimited amount (at customary local rates) in both tiers. Emergency call centre also arranges guidance to a German- or English-speaking doctor.

[121] Hospitalization: Unlimited ↩

Unavoidable inpatient hospital treatment abroad is covered. In the Sorglos tier, costs are capped at EUR 300,000 per insured event; in the Premium tier there is no cap on inpatient treatment costs.

[122] Outpatient treatment: Unlimited ↩

Ambulant medical treatments abroad are reimbursed in full at customary local cost, without a monetary ceiling, in both the Sorglos and Premium tiers.

[123] Medical evacuation: Unlimited ↩

Medically sensible repatriation to a hospital near the insured's home address is covered without a monetary ceiling in both tiers. Costs of a necessary escort or medical escort during the transport are capped at EUR 2,500 per insured event in the Sorglos tier, while the Premium tier has no cap on escort costs.

[124] Repatriation of remains: Unlimited ↩

In the event of death abroad, HanseMerkur covers burial costs abroad up to the amount that repatriation would have cost, or the additional costs of repatriating the deceased to their permanent residence, in full, in both tiers.

[125] Pre existing conditions: Conditional ↩

Treatment abroad is excluded only if it was the sole or a contributing reason for undertaking the trip, or if it was already foreseeable at the time of departure that treatment would be needed during the planned course of the trip (unless the trip was undertaken due to the death of a spouse or first-degree relative). Pre-existing conditions unrelated to the reason for travel and not foreseeably requiring treatment are otherwise covered under the normal illness benefits.

[126] Winter sports cover: See details ↩

No separate winter sports benefit; recreational winter sports are covered under the general benefits, and only motorsport competitions (time trials and rallies) and their associated training are excluded.

[127] Adventure sports cover: See details ↩

No dedicated adventure or extreme sports benefit is stated. The only related restriction found is a general exclusion of events occurring during motorsport competitions (time trials and rallies) and their associated training.

[128] Pregnancy complications: Unlimited ↩

Medically necessary treatment for pregnancy-related complaints, deliveries up to the end of the 36th week of pregnancy (premature birth), treatment for miscarriage, and medically necessary termination of pregnancy are covered as part of outpatient treatment, with no separate monetary cap, in both tiers. Treatment of newborns following a birth during the trip is also covered.

[129] Medical expenses: €5,276 ↩

During worldwide vacation-related stays abroad (excluding Austria) up to 31 days, costs for hospital, doctor's fees and medicines are reimbursed up to EUR 5,276.34 per case; this figure is the current indexed amount, up from EUR 4,200 stated in the 01/2022 edition of the BVB.

Kostenersatz für Spital, Ärzte und Medikamente weltweit gültig, ausgenommen Österreich; max. € 5.276,34 pro Fall

[130] Medical transport: €594 ↩

Costs for medical transport (ambulance or medical taxi) within the EU are reimbursed up to EUR 197.86 per event, up to an annual maximum of EUR 593.59 per insured person and calendar year. This supersedes the EUR 157.50 / EUR 472.50 figures shown in the 01/2022 BVB edition.

Krankentransport EU-weit gültig, € 197,86 pro Fall, max. € 593,59 pro Person und Kalenderjahr

[131] COVID-19 treatment: Excluded ↩

The product-specific terms (BVB MUK SP/20) explicitly exclude costs arising from epidemics and pandemics from the health-cost benefits of Unfallsonderklasse Plus, alongside exclusions for ionising radiation, strikes and detention.

bei Auftreten von Seuchen, Epidemien und Pandemien

[132] Personal liability: Not established from the reviewed documents ↩

Not addressed in the reviewed terms.

[133] Emergency dental: Excluded ↩

Dental treatment, dentures and dental/jaw surgery are explicitly listed as not insured under this tariff.

Zahnbehandlungen, Zahnersatz sowie zahn- und kieferchirurgische Eingriffe

[134] Search & rescue: €1,913 ↩

Costs for rescue after an accident (e.g. sea rescue, mountain rescue, traffic accident) and for primary transport that are not covered by the statutory insurer are reimbursed up to EUR 1,912.67 per insured event (current indexed amount; the 01/2022 BVB edition stated EUR 1,522.50).

Bergung und Primärtransport im Urlaub weltweit gültig, ausgenommen Österreich; € 1.912,67 pro Fall

[135] Legal assistance: Not established from the reviewed documents ↩

Not addressed in the reviewed terms.

[136] Emergency medical treatment: €5,276 ↩

Doctor's fees for medical treatment during a worldwide vacation-related stay abroad are reimbursed within the same combined EUR 5,276.34 per-case limit as hospital costs and medicines.

Kostenersatz für Spital, Ärzte und Medikamente weltweit gültig, ausgenommen Österreich; max. € 5.276,34 pro Fall

[137] Hospitalization: €5,276 ↩

Inpatient hospital treatment during a worldwide vacation-related stay abroad is reimbursed up to the combined EUR 5,276.34 per-case limit (with doctor's fees and medicines). Separately, an accident-related daily hospital cash benefit of EUR 92.34 for adults applies EU-wide.

Ersatzkrankenhaustagegeld wegen Unfallfolgen EU-weit gültig, Allgemeine Klasse € 92,34 für Erwachsene

[138] Outpatient treatment: €5,276 ↩

Outpatient medical treatment and medicines during a worldwide vacation-related stay abroad are reimbursed within the combined EUR 5,276.34 per-case limit; urgently needed medicines not available at the destination are organized by the air ambulance and reimbursed in full.

In voller Höhe erstattungsfähig ist die auf dem schnellsten Wege mögliche Organisation eines für die versicherte Person notwendigen Medikamentes, das am Urlaubsort nicht zur Verfügung steht, durch die Flugambulanz.

[139] Medical evacuation: Unlimited ↩

Emergency air transport is reimbursed in full when the insured person is stabilized, hospitalized, fit to fly per aviation-medical guidelines, and one of several medical criteria applies (life-threatening illness/surgical emergency, need for specialist treatment, risk of defective healing, expected stay over 4 weeks, or transport to the nearest specialist clinic near home). This wording is confirmed in the 01/2022 BVB edition; no cap on this benefit has been found in current marketing pages either.

Erstattungsfähig sind die Aufwendungen für einen Nottransport auf dem Luftweg in voller Höhe, wenn die versicherte Person primär versorgt ist, sich stationär im Krankenhaus befindet, den flugmedizinischen Richtlinien zufolge transportfähig ist...

[140] Repatriation of remains: €10,553 ↩

If the insured person dies while abroad, repatriation costs or, alternatively, burial costs abroad are reimbursed at 100% up to a total maximum of EUR 10,552.67 (current indexed amount; the 01/2022 BVB edition stated EUR 8,400).

Ersatz für Begräbnis- bzw. Überstellungskosten weltweit gültig, ausgenommen Österreich; Kostenersatz 100 %, max. € 10.552,67

[141] Pre existing conditions: Conditional ↩

An explicit pre-existing-condition exclusion was found only for trip cancellation and trip interruption (Reisestorno/Reiseabbruch): claims are excluded if related to specified serious conditions (heart disease, stroke, cancer, diabetes, migraine, epilepsy, multiple sclerosis, herniated disc) treated as inpatient within 12 months before booking. No equivalent exclusion naming pre-existing conditions was found for the W.1.3 medical-expenses-abroad benefit itself in the reviewed sections.

bei Reisestorno und Reiseabbruch, wenn der Grund dafür in Zusammenhang mit einer innerhalb der letzten 12 Monate vor Reisebuchung stationär behandelten folgenden Erkrankung der versicherten Personen steht: Herzerkrankungen, ...

[142] Winter sports cover: Covered ↩

The official IPID for Unfallsonderklasse Plus lists only limited coverage restrictions (non-contract hospitals, criminal/intentional acts, certain clinics, room categories, waiting periods) and contains no exclusion for skiing or other winter sports, unlike muki's standalone accident-insurance products (e.g. Unfallversicherung Exklusiv/Standard) which explicitly exclude competitive nordic/alpine ski events.

Heilbehandlungen wegen bestimmter Ursachen oder Ereignisse z.B. strafbare, vorsätzliche Handlungen

[143] Adventure sports cover: Covered ↩

The product-specific IPID for Unfallsonderklasse Plus does not list extreme/adventure sports (e.g. climbing, mountaineering) among its coverage restrictions, which cover only non-contract hospitals, criminal/intentional acts, certain clinics, room categories and waiting periods. This differs from muki's dedicated accident-insurance tariffs, which carry separate 'Unversicherbare Sportarten' and 'Sonderrisiko' catalogues (e.g. climbing above grade VI, extreme sports such as freeriding or base jumping) that do not apply to this health-cost product.

[144] Pregnancy complications: Conditional ↩

If a pregnancy was already known at the start of a foreign stay, related abortion, delivery and postpartum illness are not covered abroad, and the air ambulance explicitly advises against foreign travel for known pregnancies. However, treatment of unforeseeable, acutely occurring pregnancy complications, including premature birth before completion of the 32nd week and miscarriage, is covered, as well as medically necessary treatment of the premature infant.

Die Flugambulanz (siehe Leistungen bei urlaubsbedingten weltweiten Auslandsaufenthalten) empfiehlt aus Erfahrung dringend, bei bekannter Schwangerschaft keine Reisen ins Ausland zu unternehmen.

[145] Medical expenses: €1,000,000 ↩

Headline medical sum abroad; inpatient hospital treatment is covered up to EUR 1,000,000, while outpatient treatment and medical transports are reimbursed at 100% of costs. The family tariff sum applies jointly to all insured persons (Art. 7.2).

12.Stationäre Behandlung bis € 1.000.000

[146] Medical transport: Covered ↩

Transport to the nearest hospital and medically necessary transfer transport are reimbursed at 100% of costs.

10.Transport ins Krankenhaus/Verlegungstransport bis 100 %

[147] COVID-19 treatment: Covered ↩

Unexpected acute illness abroad explicitly includes epidemic or pandemic diseases and is covered under the same medical benefits and limits as other acute illnesses.

Versicherungsfall ist eine unerwartet akut eintretende Erkrankung (einschließlich epidemischer oder pandemischer Krankheiten)...

[148] Personal liability: €500,000 ↩

Covers property and personal injury damage claims against third parties during the trip, lump sum up to EUR 500,000, of which property damage to rented accommodation (including inventory) is limited to EUR 25,000.

21.Sach- und Personenschäden pauschal bis € 500.000 davon Sachschäden an gemieteten Räumen (inkl. Inventar) bis € 25.000

[149] Emergency dental: Covered ↩

Pain-relieving dental treatment, including simple dental fillings, is covered as part of outpatient treatment abroad (no separate sub-limit stated); conservative or prosthetic dental treatment is excluded (Art. 25.2).

die ambulante ärztliche Behandlung inklusive ärztlich verordneter Heilmittel und schmerzstillender Zahnbehandlungen (einschließlich Zahnfüllungen in einfacher Ausfertigung);

[150] Search & rescue: €80,000 ↩

Search and rescue costs following an accident, mountain or water distress are covered up to EUR 80,000.

9. Such- und Bergungskosten bei Unfall, Berg- oder Seenot bis € 80.000

[151] Legal assistance: €13,000 ↩

Assistance in obtaining a lawyer and interpreter if the insured is arrested or threatened with arrest abroad; the insurer advances up to EUR 3,000 for a lawyer and up to EUR 13,000 for bail, to be repaid by the insured within 2 weeks of return (at the latest within 2 months of receiving the advance).

23.Vorschuss für Anwalt bis € 3.000 24.Vorschuss für Strafkaution bis € 13.000

[152] Emergency medical treatment: €1,000,000 ↩

The insured event is an unexpected acute illness (including epidemic or pandemic diseases), accident-related bodily injury, or death of the insured person during a trip abroad; stationary treatment is capped at EUR 1,000,000.

Versicherungsfall ist eine unerwartet akut eintretende Erkrankung (einschließlich epidemischer oder pandemischer Krankheiten), der Eintritt einer unfallbedingten Körperverletzung oder der Eintritt des Todes der versicherten Person während einer Reise im Ausland.

[153] Hospitalization: €1,000,000 ↩

Inpatient hospital treatment abroad including medically prescribed remedies, covered up to EUR 1,000,000.

12.Stationäre Behandlung bis € 1.000.000

[154] Outpatient treatment: Covered ↩

Outpatient medical treatment abroad, including prescribed remedies and pain-relieving dental treatment, is reimbursed at 100% of costs; no separate monetary sub-limit is stated beyond the general policy sums.

11. Ambulante Behandlung bis 100 %

[155] Medical evacuation: Covered ↩

Repatriation to the country of residence from which the trip was started, when medically necessary, including by air ambulance jet, reimbursed at 100% of costs; repatriation is also covered after 3 days of hospitalization even without medical necessity (excluding air ambulance jet).

13.Heimtransport bei medizinischer Notwendigkeit (inkl. Ambulanzjet) bis 100 %

[156] Repatriation of remains: Covered ↩

Repatriation of the deceased in standard form to the country of residence from which the trip was started, or alternatively burial at the place of death (up to the cost of a standard repatriation), reimbursed at 100% of costs.

20.Überführung im Todesfall oder Begräbnis am Ereignisort bis 100 %

[157] Pre existing conditions: €500,000 ↩

A condition or accident sequela existing at the start of the trip is covered if it unexpectedly becomes acute and is not otherwise excluded (Art. 26); combined maximum benefit for all related medical/transport/repatriation costs is EUR 500,000, versus EUR 1,000,000 for stationary treatment generally.

Maximalleistung für 10. bis 20. bei unerwartetem Akutwerden einer bestehenden Erkrankung bis € 500.000

[158] Winter sports cover: Conditional ↩

Recreational winter sports are covered under the general medical, search-and-rescue and liability benefits; cover excludes professional sport (including training), participation in official competitions, and travel above 6,000 m altitude.

bei Reisen in unerschlossene oder unerforschte Gebiete sowie in einer Seehöhe über 6.000 m eintreten; ... bei Ausübung von Berufssport inklusive Training entstehen;

[159] Adventure sports cover: Conditional ↩

Non-professional adventure sports are generally covered; excluded are extreme sports, professional sport and training, official competitions, diving beyond 40 m or without a valid certification, and travel in unexplored/undeveloped areas.

bei Tauchgängen entstehen, wenn die versicherte Person keine international gültige Berechtigung für die betreffende Tiefe besitzt... Jedenfalls besteht kein Versicherungsschutz bei Tauchgängen in einer Tiefe von mehr als 40 m;

[160] Pregnancy complications: Conditional ↩

Unexpected severe pregnancy complications and premature birth are covered as a medical benefit abroad up to and including the 35th week of pregnancy; costs for the newborn are reimbursed within the sum agreed for the insured mother.

Unerwartete Schwangerschaftskomplikationen und unerwartete Frühgeburten sind bis einschließlich der 35. Schwangerschaftswoche versichert.

[161] Medical expenses: Not established from the insurer's documents ↩

Covers outpatient medical treatment, prescribed medication and inpatient hospital treatment abroad up to the agreed insured sum stated in the product's benefit table.

Der Versicherer ersetzt bis zur vereinbarten Versicherungssumme, entsprechend den Angaben (Leistungsübersicht) im jeweiligen Produkt, die nachgewiesenen Kosten für:

[162] Medical transport: Not established from the insurer's documents ↩

Primary transport to the nearest reachable hospital, and rescue from mountain or water distress, is covered up to the agreed insured sum.

Primärtransporte in das nächst erreichnare Krankenhaus sowie Bergung aus Berg- und Wassernot.

[163] COVID-19 treatment: Not established from the insurer's documents ↩

Events arising from epidemics or pandemics are generally excluded from coverage.

aufgrund von Epidemie und Pandemie eintreten;

[164] Personal liability: Not established from the insurer's documents ↩

Covers the insured's legal liability for personal injury, property damage or resulting financial loss suffered by third parties while travelling abroad (underwritten by AGA International S.A.); a per-event deductible of 10% of the loss (min. EUR 350, max. EUR 2,000) applies.

Der Selbstbehalt beträgt in jedem Versicherungsfall 10% des Schadens, jedoch mindestens 350,00 Euro und max. 2.000,00 Euro.

[165] Emergency dental: Not established from the insurer's documents ↩

Conserving, prosthetic or curative dental treatments (e.g. dental treatments) are explicitly excluded from cost reimbursement.

bei konservierenden oder prothetischen (D.1.08.) oder kurativen (D.1.20.) Behandlungen (z.B. Zahnbehandlungen, physikalische Therapien, Chemotherapie, etc.);

[166] Search & rescue: Not established from the insurer's documents ↩

Costs of searching for the insured person and transporting them to the nearest passable road or hospital are reimbursed if the person had to be rescued injured, unharmed or dead following an accident or distress situation.

Der Versicherer ersetzt die nachgewiesenen Kosten der Suche nach der versicherten Person und ihres Transportes bis zur nächsten befahrbaren Straße oder in das nächstgelegene Spital.

[167] Legal assistance: Not established from the insurer's documents ↩

Helvetia-underwritten legal protection covers pursuit of claims against a tour operator arising from package-travel service contracts, up to a maximum of EUR 5,000 per claim; a 10% deductible (min. EUR 500) applies if a lawyer not proposed by the insurer is chosen.

Die Höchstgrenze der vom Versicherer in einem Leistungsfall für den Versicherungsnehmer zu erbringende Leistungen beträgt 5.000,00 Euro. ... Bei Wahl eines nicht vom Versicherer vorgeschlagenen Anwaltes hat der Versicherungsnehmer einen Selbstbehalt in Höhe von 10% der Schadenleistung, mindestens 500,00 Euro zu tragen.

[168] Emergency medical treatment: Not established from the insurer's documents ↩

Acute illness or accident-related bodily injury abroad triggers cover for necessary medical treatment; treatment costs expected to exceed EUR 1,000 must be reported to the OAFA emergency centre before treatment begins.

Rechnungsbeträge, deren Höhe € 1.000,00 voraussichtlich überschreiten, zwingend den Versicherern/der OAFA Ärzteflugambulanz bei sonstigem Ausschluss der Ersatzleistung vor Behandlungsbeginn gemeldet werden müssen

[169] Hospitalization: Not established from the insurer's documents ↩

Inpatient treatment in a recognized hospital abroad is covered, with the insurer endeavouring to settle costs directly with the hospital (cost guarantee) where required by the product's benefit table.

stationäre Heilbehandlungen in einem Krankenhaus und soweit erforderlich eine Kostengarantie gemäß Leistungsübersicht des jeweiligen Produktes.

[170] Outpatient treatment: Not established from the insurer's documents ↩

Outpatient medical treatment abroad is covered; diagnostic tests require a specialist referral necessary for immediate therapeutic success.

ambulante ärztliche Behandlungen Voraussetzung ist, dass bei Kosten von ambulanten diagnostischen Abklärungen (wie z.B. bildgebender Diagnostik, Labor etc.) eine dem Fachgebiet zugeordnete ärztliche Überweisung zugrunde liegt und diese für den unmittelbaren therapeutischen Erfolg zwingend notwendig ist

[171] Medical evacuation: Not established from the insurer's documents ↩

Repatriation to Austria or a neighbouring state (if the trip started there) is organized by the OAFA emergency centre once medically sensible and justifiable; self-organized transport is not reimbursed.

Rücktransport (Heimholung) der versicherten Person sobald dieser medizinisch sinnvoll und vertretbar ist mit medizinisch adäquatem Transportmittel (einschließlich Ambulanzflugzeug) - organisiert durch den Versicherer /OAFA Ärzteflugambulanz, bei sonstiger Leistungsfreiheit - nach Österreich oder in einen angrenzenden Staat, wenn die Reise dort begonnen hat.

[172] Repatriation of remains: Not established from the insurer's documents ↩

Standard transport costs for a deceased insured person, or burial costs at the place of death abroad, are covered under the cancellation/extra-return-journey module.

Weiters versichert ist der Kostenersatz für die zusätzlich anfallenden Mehrkosten ... oder die Standard-Transportkosten für eine während einer Reise außerhalb Österreichs verstorbene versicherte Person oder deren Begräbniskosten am Sterbeort außerhalb Österreichs.

[173] Pre existing conditions: Not established from the insurer's documents ↩

Chronic conditions not covered by the hard exclusion list are insured only if they become unexpectedly acute during the trip, with reduced insured sums; conditions under ongoing treatment at the start of the trip are excluded. Heart disease, stroke, cancer, diabetes (type I/II), migraine and multiple sclerosis are excluded if treated (in- or outpatient) within the 12 months before conclusion of the policy.

folgende Krankheiten und bestehende Leiden, sofern sie in den letzten 12 Monaten vor Versicherungsabschluss stationär und/oder ambulant in Therapie behandelt wurden: Herzerkrankungen; Schlaganfall; Krebsleiden; Diabetes (Typ I und II); Migräne; Multiple Sklerose.

[174] Winter sports cover: Not established from the insurer's documents ↩

Skiing and snowboarding are explicitly classified as ordinary holiday sports (not extreme sports) and are therefore covered; off-piste skiing/snowboarding is only covered when accompanied by a mountain/ski guide.

Nicht als Extremsportart gelten die üblichen (Urlaubs-) Sportarten, z.B.: Kanu-/Bootfahren, Fischen, Golf, Reiten, Mountainbiking, Skifahren und Snowboarden (ausserhalb der Pisten allerdings ausschließlich mit einem Führer)

[175] Adventure sports cover: Not established from the insurer's documents ↩

Extreme sports such as parachuting, paragliding, bungee jumping, climbing, whitewater sports, high-altitude tours above 6000m without a certified guide, or tours not booked as a package trip are excluded from coverage.

Als Extremsportarten gelten somit z.B.: Fallschirmspringen oder ähnliches, Paragleiten, Bungeejumping, Klettern oder Wildwasser-Sportarten, extreme Hochgebirgstouren ohne geprüften Berg- und Schiführer, solche über 6000 m und solche, die nicht als Pauschalreise gebucht wurden;

[176] Pregnancy complications: Not established from the insurer's documents ↩

Treatment for pregnancy, termination of pregnancy, childbirth or treatment of the consequences of contraceptive measures, and complications resulting from these events, are excluded; OAFA explicitly advises against travelling abroad with a known pregnancy.

bei Schwangerschaft für Schwangerschaftsbehandlungen, Schwangerschaftsunterbrechungen, Entbindungen oder Behandlungen der Folgen von empfängnisverhütenden Maßnahmen und bei aus diesen Ereignissen resultierenden Komplikationen und Beschwerden (die OAFA Ärzteflugambulanz empfiehlt aus Erfahrung dringend, bei bekannter Schwangerschaft keine Reisen ins Ausland zu unternehmen);

[177] Medical expenses: €250,000 ↩

Overall sum insured of EUR 250,000 per person for medical treatment costs abroad due to illness or accident, covering hospital treatment, medically necessary transport to the nearest hospital, and ambulatory treatment/medication (subject to a EUR 70 deductible).

[178] Medical transport: €1,950 ↩

Emergency transport back to Austria, including Ambulance-Jet if necessary, is covered at full cost when organized via UNIQA SOS-Service; if not organized through UNIQA, reimbursement is capped at EUR 1,950.

[179] COVID-19 treatment: See details ↩

[180] Personal liability: €500,000 ↩

Covers the satisfaction of justified, or defense against unjustified, claims for personal injury and property damage caused by the insured person while travelling, up to EUR 500,000.

[181] Emergency dental: Conditional ↩

Only first-aid dental treatment for immediate pain relief is covered; dental treatment beyond first aid and dentures are excluded.

[182] Search & rescue: €7,700 ↩

Rescue costs in case of accident, mountain or water emergency, including rescue helicopter, are covered up to EUR 7,700 per person.

[183] Legal assistance: See details ↩

Not included in the Rundumschutz bundle.

✓ Reise-Haftpflichtversicherung für Personen- und Sachschäden ✓ Reise-Unfallversicherung für schwere Unfallfolgen ab 50 % Dauerinvalidität pro Person

[184] Emergency medical treatment: €250,000 ↩

Urgent, medically necessary treatment for sudden illness or accident abroad is covered up to the overall sum insured of EUR 250,000 per person.

[185] Hospitalization: €250,000 ↩

Inpatient hospital treatment abroad is fully covered within the overall sum insured of EUR 250,000 per person, with no deductible.

[186] Outpatient treatment: €250,000 ↩

Outpatient treatment (doctor's fees, medication) is covered within the EUR 250,000 sum insured, less a EUR 70 deductible per person and stay abroad.

[187] Medical evacuation: €1,950 ↩

Medically necessary repatriation to an Austrian hospital or permanent residence is covered at full cost if organized by UNIQA SOS-Service (requires life-threatening condition, inadequate local treatment standard, or expected hospital stay >5 days); otherwise capped at EUR 1,950.

[188] Repatriation of remains: €1,950 ↩

Repatriation of a deceased insured person to Austria is covered at full cost if organized via UNIQA SOS-Service, otherwise capped at EUR 1,950; burial at the place of death is covered up to EUR 1,950.

[189] Pre existing conditions: Conditional ↩

Treatment of chronic illnesses is excluded, except as the consequence of an acute attack or flare-up; treatment that had already begun before the start of cover is also excluded.

[190] Winter sports cover: See details ↩

No separate winter sports module; skiing accidents are covered like other accidents, except high-altitude mountain tours above 6,000 m, which are excluded.

Heilbehandlungen von Krankheiten und Unfallfolgen, die infolge der Teilnahme an Hochgebirgstouren auf Bergen mit einer Höhe von über 6.000 m entstehen.

[191] Adventure sports cover: See details ↩

No separate adventure sports module; accident cover excludes unguided climbing/mountaineering and competitive or extreme sports.

Bei Klettertouren oder sonstigen Bergbesteigungen, die ohne geprüften Führer unternommen werden.

[192] Pregnancy complications: Conditional ↩

Pregnancy examinations and deliveries are excluded, except premature deliveries occurring at least 2 months before the natural due date.

[193] Medical expenses: €75,000 – €150,000 ↩

Covers hospital costs including ambulance, plus doctor's fees and medication incurred abroad. Limits: EUR 75,000 (single person), EUR 100,000 (single parent), EUR 150,000 (family).

Arzthonorare und Medikamente (bei Auslandsreisen) 75.000,00 100.000,00 150.000,00

[194] Medical transport: €75,000 – €150,000 ↩

Repatriation in a medical bed on a scheduled flight following a hospital stay abroad. Limits: EUR 75,000 (single person), EUR 100,000 (single parent), EUR 150,000 (family).

Heimtransport (Krankenbett im Linienflugzeug) bei einem Krankenhausaufenthalt im Ausland 75.000,00 100.000,00 150.000,00

[195] COVID-19 treatment: See details ↩

COVID-19 is not named specifically, but as an acute illness it is covered like any other acute illness occurring during the trip under the general treatment, rescue, repatriation and repatriation-of-remains benefit, up to the agreed sum insured.

In Erweiterung von Art. 18 werden für jeden Versicherungsfall bis zur Höhe der jeweils vereinbarten Versicherungssumme Behandlungs-, Bergungs-, Heimtransport- und Überführungskosten, die während einer Reise im Ausland infolge eines Unfalls oder einer akut eingetretenen Krankheit entstanden sind, ersetzt, sofern die Gesundheitsschädigung während der Reise entstanden ist.

[196] Personal liability: €750,000 – €1,500,000 ↩

Covers the insured's private liability for damages caused to third parties while travelling. Limits: EUR 750,000 (single person), EUR 1,000,000 (single parent), EUR 1,500,000 (family).

Reise-Privat-Haftpflichtversicherung 750.000,00 1.000.000,00 1.500.000,00

[197] Emergency dental: See details ↩

There is no separate emergency dental treatment benefit; treatment of an acute illness or injury, which can include emergency dental treatment, is covered under the general treatment costs benefit (ABRV Art. 19), though repair or replacement of dentures is excluded.

für Kosten der Reparatur oder der Wiederbeschaffung eines Zahnersatzes, künstlicher Gliedmaßen oder sonstiger künstlicher Behelfe;

[198] Search & rescue: €7,500 – €15,000 ↩

Costs of searching for and rescuing the insured following an accident or mountain/water distress. Limits: EUR 7,500 (single person), EUR 15,000 (single parent/family).

Bergungskosten aus Berg- oder Wassernot 7.500,00 15.000,00 15.000,00

[199] Legal assistance: See details ↩

No standalone legal assistance/legal protection benefit for the insured's own disputes is described; only defense costs against third-party liability claims are covered within the liability section.

[200] Emergency medical treatment: €75,000 – €150,000 ↩

Treatment costs necessary for first aid and treating an accident or acutely occurring illness during a trip abroad, up to the agreed sum insured per tariff tier.

Ersatz wird für jene Behandlungskosten geleistet, die zur Erstversorgung sowie zur Behebung der Unfallfolgen oder Behandlung einer akut eingetretenen Krankheit nach ärztlicher Verordnung notwendig geworden sind.

[201] Hospitalization: €75,000 – €150,000 ↩

Hospital costs including ambulance transport for treatment abroad. Limits: EUR 75,000 (single person), EUR 100,000 (single parent), EUR 150,000 (family).

Krankenhauskosten einschließlich Krankenwagen (bei Auslandsreisen) 75.000,00 100.000,00 150.000,00

[202] Outpatient treatment: €75,000 – €150,000 ↩

Doctor's fees and medication costs incurred abroad. Limits: EUR 75,000 (single person), EUR 100,000 (single parent), EUR 150,000 (family).

Arzthonorare und Medikamente (bei Auslandsreisen) 75.000,00 100.000,00 150.000,00

[203] Medical evacuation: €75,000 – €150,000 ↩

Emergency repatriation via air ambulance jet, organized through the IFRA coordination center. Limits: EUR 75,000 (single person), EUR 100,000 (single parent), EUR 150,000 (family). Cover lapses if IFRA instructions are not followed or the ambulance flight is not organized through IFRA.

Notfall-Heimtransport mit Ambulance-Jet 75.000,00 100.000,00 150.000,00

[204] Repatriation of remains: €75,000 – €150,000 ↩

Costs for repatriating the deceased to Austria, or for burial at the place of death, if an accident or sudden illness during the trip leads to death. Limits: EUR 75,000 (single person), EUR 100,000 (single parent), EUR 150,000 (family).

Rücktransport Verstorbener bzw. Begräbniskosten am Ereignisort 75.000,00 100.000,00 150.000,00

[205] Pre existing conditions: Excluded ↩

Chronic conditions and their consequences are excluded unless additional cover was agreed, as are illnesses and ailments that were treated or required treatment in the 6 months before the policy start.

6.1. für bestehende chronische Leiden und Folgen, sofern keine Zusatzdeckung vereinbart wurde; 6.2. für solche Krankheiten und Gebrechen, die in den letzten 6 Monaten vor Versicherungsbeginn behandelt worden oder behandlungsbedürftig gewesen sind und deren Folgen;

[206] Winter sports cover: See details ↩

Recreational skiing and other winter sports are not excluded; only participation in official regional, national or international skiing, ski-jumping, bobsleigh, skibob or skeleton competitions and their official training is excluded from accident cover.

bei der Teilnahme an Landes-, Bundes- oder internationalen Wettbewerben auf dem Gebiet des Schilaufens, Schispringens, Bob-, Schibob- oder Skeletonfahrens sowie am offiziellen Training für diese Veranstaltungen;

[207] Adventure sports cover: Excluded ↩

Treatment, rescue, repatriation and related costs are excluded for claims arising from bungee jumping, boxing, freestyle wrestling, rafting, American football, bobsleighing, luge, skeleton, base jumping, other air sports, hang-gliding, weightlifting, cave trekking, house running, heli-bungee, high ropes, hydro-speed, scad diving, kite surfing, motocross and polo.

für Schadenfälle bei Ausübung der Sportarten Bungeejumping, Boxen, Freistilringen ,Rafting, American Football, Bobfahren, Eiskanalrodeln, Skeleton, Base-Jumping, sonstige Luftsportarten, Drachenfliegen, Gewichtheben, Höhlentrekking, House Running, Heli Bungee, High Ropes, Hydro-Speed, Scad Diving, Kite Surfen, Moto Cross, Polo;

[208] Pregnancy complications: €75,000 – €150,000 ↩

Sudden, unforeseeable abnormal pregnancy developments requiring special medical care are co-insured up to the agreed medical treatment sum. Normal pregnancy discomforts, deliveries, pregnancy termination and their consequences are not covered.

Als mitversichert gelten Schwangerschaftskomplikationen, das heißt, ein plötzlich unvorhersehbar eintretender abnormaler Verlauf der Schwangerschaft, der eine besondere medizinische Betreuung erfordert.

[209] Medical expenses: Covered ↩

Tarif RE/RF (annual, multi-trip up to 42 days each): inpatient and outpatient urgent treatment costs worldwide unlimited, reimbursed 100% if Austrian social insurance also pays, otherwise 90%. Tarif RVI/RVS (single fixed-term stay 1-12 months): treatment of illness/accident consequences arising acutely during the insured period reimbursed at 100%; the exact sum insured is stated in the individual policy.

Übernahme von Kosten bei ambulanten und stationären unaufschiebbaren Behandlungen operativer und nicht operativer Art einschließlich der Transportkosten in die nächstgelegene Krankenanstalt bei Unfall oder Krankheit weltweit unbegrenzt.

[210] Medical transport: €1,500 ↩

RVI/RVS: transport to the nearest hospital is covered at 100%; transport for continued treatment at a hospital near the home address by ambulance vehicle is covered up to EUR 1,500. RE/RF: transport costs to the nearest hospital are included within the unlimited treatment cost cover.

Transportkosten zur Weiterbehandlung in einem Krankenhaus in Wohnortnähe mittels eines Sanitätsfahrzeugs bis zu EUR 1.500,–

[211] COVID-19 treatment: Conditional ↩

Illnesses including pandemic-related infections are covered as ordinary acute illness, except that no cover applies for illness or accident consequences from war/crisis events (including pandemic-related infections) in regions under an official Austrian travel warning.

Für Erkrankungen und Unfallfolgen aufgrund von Kriegs- oder Krisenereignissen (wie z. B. pandemie bedingte Infektionen) besteht in Regionen, für die eine Reisewarnung der zuständigen österreichischen Behörde vorliegt oder in Kraft tritt, kein Versicherungsschutz.

[212] Personal liability: See details ↩

Not included – this is a travel medical policy only.

Kosten unaufschiebbarer stationärer Behandlungen von Krankheiten oder Unfallfolgen in der allgemeinen Verpflegsklasse eines öffentlichen Krankenhauses

[213] Emergency dental: Conditional ↩

Only dental treatment serving immediate pain relief (Erstversorgung) is covered; dental treatment beyond acute pain relief and dentures/prosthetics are explicitly excluded.

Zahnbehandlungen, die nicht der Erstversorgung zur unmittelbaren Schmerzbekämpfung dienen, sowie Zahnersatz

[214] Search & rescue: €4,000 – €10,000 ↩

Rescue costs from NACA severity level IV upward in connection with an accident are covered: up to EUR 4,000 under Tarif RVI/RVS, and 90% up to EUR 10,000 under Tarif RE/RF.

Bergungskosten ab NACA IV (das sind Verletzungen und Erkrankungen ohne akute Lebensgefahr, die aber eine kurzfristige Entwicklung einer Vitalgefährdung nicht ausschließen) im Zusammenhang mit einem Unfallereignis bis zu EUR 4.000,–

[215] Legal assistance: See details ↩

Not included – this is a travel medical policy only.

Kosten unaufschiebbarer stationärer Behandlungen von Krankheiten oder Unfallfolgen in der allgemeinen Verpflegsklasse eines öffentlichen Krankenhauses

[216] Emergency medical treatment: Covered ↩

Urgent (unaufschiebbare) medical treatment abroad, both outpatient and inpatient, is covered. RE/RF: 100%/90% worldwide unlimited. RVI/RVS: 100% for acute illness/accident treatment during the trip.

Übernahme von Kosten bei ambulanten und stationären unaufschiebbaren Behandlungen operativer und nicht operativer Art einschließlich der Transportkosten in die nächstgelegene Krankenanstalt bei Unfall oder Krankheit weltweit unbegrenzt.

[217] Hospitalization: Covered ↩

RVI/RVS: cost reimbursement for the general ward class in public hospitals abroad, where possible via direct billing, at 100%, including transport to the nearest hospital. RE/RF: inpatient unavoidable treatment costs worldwide unlimited at 100%/90%.

Kostenersatz für die allgemeine Gebührenklasse in öffentlichen Krankenhäusern – wenn möglich im Wege der Direktverrechnung – im Ausland einschließlich der Kosten des Transports in die nächstgelegene Krankenanstalt

[218] Outpatient treatment: Covered ↩

RVI/RVS: cost reimbursement for medically necessary outpatient medical treatment including prescribed medication, subject to a EUR 35 deductible. RE/RF: outpatient unavoidable treatment costs worldwide unlimited at 100%/90%, no deductible stated.

Kostenersatz für medizinisch notwendige ambulante ärztliche Behandlung einschließlich verordneter Arzneimittel Selbstbehalt EUR 35,–

[219] Medical evacuation: Covered ↩

SOS repatriation service covers the cost of a medically necessary flight/journey home for an ill or injured insured person at 100%, provided the transport is arranged via Tyrol Air Ambulance.

SOS-Rückholdienst – wir übernehmen folgende Mehrkosten, sofern der Transport oder die Überführung durch Tyrol Air Ambulance vermittelt wurde: • für die Heimfahrt bzw. den Heimflug erkrankter oder verletzter Versicherter sowie ihrer mitversicherten Angehörigen

[220] Repatriation of remains: Covered ↩

Repatriation of an insured person who dies during the insurance period to their former place of residence is covered at 100% via the SOS repatriation service. Under RE/RF, a local burial can alternatively be reimbursed up to EUR 2,000 instead of repatriation.

für die Überführung verstorbener Versicherter an den früheren Wohnort und die Rückreise ihrer mitversicherten Angehörigen. Alternativ werden die Kosten für ein Begräbnis vor Ort mit bis zu EUR 2.000,– vergütet.

[221] Pre existing conditions: Conditional ↩

Acute flare-ups or episodes of pre-existing chronic or latent diseases are treated equally to new illness and covered, but only if the insurance was concluded before the insured person's 75th birthday.

Das gilt auch für akute Anfälle oder Schübe bestehender chronischer oder latenter Erkrankungen, sofern der Abschluss der Versicherung vor Vollendung des 75. Lebensjahrs erfolgte.

[222] Winter sports cover: See details ↩

Winter sports are not separately addressed; only active participation in sports competitions and tournaments, and the official training for them, is excluded from cover.

Unfälle bei aktiver Teilnahme an sportlichen Wettbewerben und Wettkämpfen sowie am offiziellen Training für solche Veranstaltungen

[223] Adventure sports cover: See details ↩

Active participation in sports competitions and tournaments, and the official training for them, is excluded from cover; adventure sports undertaken recreationally are not separately excluded.

Unfälle bei aktiver Teilnahme an sportlichen Wettbewerben und Wettkämpfen sowie am offiziellen Training für solche Veranstaltungen

[224] Pregnancy complications: See details ↩

Pregnancy check-ups, terminations of pregnancy and childbirth/deliveries are excluded from cover; acute pregnancy complications are not separately addressed.

Schwangerschaftsuntersuchungen, Entbindungen oder Schwangerschaftsabbrüche