Allianz Assistance Travel insurance (Reiseschutz)

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.

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.

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.

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).

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.

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.

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

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.

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

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.

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.

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.

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).

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.

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

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