DONAU Versicherung AG Vienna Insurance Group

Assistance call deadline

The insurer or its authorized partner must be informed immediately after admission to hospital, and any inpatient stay or outpatient treatment whose total cost exceeds EUR 5,000 must be reported without delay so the insurer can assess a possible repatriation.

Unauthorized treatment

If a hospital admission is not reported and treatment could have been arranged more cheaply via an organized repatriation, or if a partial social-insurance payment applies, the insured retains a deductible of 10% of the remaining costs after social insurance benefits; if social insurance pays nothing, the deductible is 20%.

Purchase while abroad

The policy cannot be taken out while already abroad: only persons with their ordinary residence in Austria can be insured, and cover only applies to trips for which the premium was paid before departure from Austria.

Chronic conditions

Acute attacks or episodes of existing chronic or latent illnesses that occur during a covered stay abroad are treated the same as newly arising illnesses and are covered, provided the contract was concluded before the insured turned 75.

Pregnancy

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

Pre-existing condition exclusions

If the contract is newly concluded at age 75 or older, pre-existing chronic or latent conditions are not covered at all; for contracts concluded before age 75, acute flare-ups of such conditions abroad are covered.

Coverage duration limit

Cover applies only to the first six weeks (maximum 42 days) of each individual trip abroad undertaken while the policy is in force, regardless of how many trips are taken per year.

Emergency transport to nearest hospital

Covers transport costs to the nearest hospital in case of accident or illness abroad

Medication repatriation

Covers sending of medications that are unavailable locally when needed abroad

Crisis area exclusion with travel warning

No coverage in areas with official Austrian travel warnings if insured deliberately travels there or remains there after warning

Maximum trip duration per journey

Coverage limited to 42 days (six weeks) per individual journey

Pre-existing conditions exclusion at age 75+

Upon new enrollment at age 75 and above, pre-existing chronic and latent diseases are not covered

Austria and residence country exclusion

Coverage excludes Austria and any countries where the insured person already has a residence

Social insurance coordination

Insurer covers 100% of costs including social insurance contributions; if social insurance is also liable, only the portion exceeding social insurance payment is covered

No duplicate recovery across policies

If claims exist under multiple insurance contracts (tariffs), the total reimbursement cannot exceed actual costs incurred

SOS repatriation service

Travel health insurance includes SOS repatriation service for medical evacuation and return to Austria if needed

Annual unlimited multiple trips

Single annual policy covers unlimited number of trips, each up to 42 days/6 weeks

Family coverage (Tariff RF)

Family tariff (RF) allows joint coverage of spouse/partner and children up to age 20 at family premium rate

Automatic annual renewal

Annual policy automatically renews for another year unless cancelled with 3-month notice before expiration

Pandemic and epidemic coverage with restrictions

Diseases during epidemic/pandemic are covered; however, no coverage for illnesses/accidents related to crisis events if insured intentionally travels to or remains in affected region after crisis begins