ADAC Versicherung AG
ADAC
ADAC is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
ADAC can issue a direct cost-guarantee (Kostenübernahmeerklärung) to hospitals abroad for eligible inpatient treatment costs; for minor treatments the insured pays locally and submits original invoices for reimbursement afterwards.
Geographic scope
Worldwide, excluding Germany and the insured person's country of residence
Coverage applies worldwide except in Germany and in the country where the insured person has their residence.
Starting price
€41
Indicative — pricing assumptions not stated
Unique selling points
- ADAC Auslandskrankenschutz Basis was rated 'Sehr gut' (very good) by Stiftung Warentest for both individual and family annual contracts.
- ADAC Auslandskrankenschutz has been recognized by Focus Money as the fairest travel health insurer and for the fairest price-performance ratio.
- The Basis tariff has zero deductible, so no deductions are made from any covered benefit in a claim.
- ADAC runs its own round-the-clock emergency and repatriation service, reachable via a single ADAC emergency number for all claims worldwide.
- The Premium tariff uniquely bundles medical cover with patient legal protection (100,000 EUR sum insured) and accident cover, features not offered by the Basis or Exklusiv tiers.
Coverage limits
Medical expenses (general)
Covered
No limit stated
Reimburses medically necessary treatment for illness or injury occurring abroad; reimbursable costs are settled according to the officially applicable local fee schedule or, absent one, customary local rates. No maximum sum is stated in any of the three tariffs.
Emergency medical treatment
Covered
No limit stated
Covers first-aid/emergency treatment by an emergency doctor abroad and medically necessary examination and treatment; no cap is stated.
Inpatient hospital treatment
Covered
No limit stated
Covers nursing, accommodation and board during medically necessary inpatient treatment abroad, plus accommodation for one accompanying person in the same hospital room (rooming-in); ADAC can issue a direct cost guarantee to the hospital. No monetary cap is stated.
Outpatient treatment
Covered
No limit stated
Covers medically necessary outpatient treatment by a freely chosen doctor, chiropractor, non-medical practitioner or osteopath abroad, including X-ray diagnostics and prescribed medicines/dressings. No cap is stated.
Emergency dental treatment
Covered
No limit stated
Covers pain-relieving dental treatment including simple fillings, repairs of dentures/orthodontic appliances, X-ray diagnostics, and simple provisional dentures. Orthodontic treatment and new dentures (crowns, implants, bridges, prostheses) are excluded.
Primary and transfer transport
Covered
No limit stated
Covers transport to the nearest suitable doctor/hospital in a medical emergency (primary transport) and medically necessary transfer to another hospital. No cap is stated.
Medical repatriation
Covered
No limit stated
ADAC organizes and pays for repatriation to the insured's home or nearest suitable hospital in Germany when medically sensible and justifiable, e.g. when inpatient treatment abroad is expected to exceed 14 days; escort costs are covered when required, and always for minors. No monetary cap is stated.
Repatriation or burial in case of death
Covered
No limit stated
ADAC repatriates a deceased insured person to their home in Germany and covers the necessary costs (uncapped). As an alternative to repatriation, ADAC instead covers the costs of burial or cremation at the place of death, up to 10,000 EUR per insured person.
Search, rescue and recovery costs
€15,000
Covers the costs of a rescue service searching for, rescuing or recovering an insured person who has fallen ill or been injured, up to 15,000 EUR per insured person; this also applies in case of death.
COVID-19 treatment
No limit stated
Not explicitly addressed as a separate benefit in the policy conditions or IPIDs; treated under general medically necessary treatment of illness abroad.
Pre-existing chronic conditions
Conditional
If a chronic illness was already being treated before the trip, only the additional costs of medically necessary treatment abroad caused by an unexpected worsening of that illness are reimbursed; treatment that was already foreseeably necessary at the start of the trip is excluded.
Winter sports cover
No limit stated
Not separately addressed in the policy documents; the only sports-related exclusion concerns professional athletes injured during active participation in competitions/training.
Adventure sports cover
No limit stated
Not separately addressed in the policy documents; the only sports-related exclusion concerns professional athletes injured during active participation in competitions/training.
Pregnancy complications and related events
Covered
Covers medical treatment abroad of pregnancy complications, medically necessary termination of pregnancy, miscarriage, and premature birth up to and including the 36th week of pregnancy. Routine, preventive and check-up examinations and births after the 36th week are excluded.
Personal liability
No limit stated
Not part of the ADAC Auslandskrankenschutz product; ADAC sells private liability insurance (Privathaftpflichtversicherung) as a separate product line.
Patient legal protection (Premium only)
€100,000
Only in Premium
The Premium tariff bundles patient legal protection helping the insured pursue claims for medical malpractice and breach of the doctor's duty to inform occurring during a covered treatment abroad; sum insured 100,000 EUR (damages claims, contract and property law protection). Only available as part of Premium, not standalone.
24/7 emergency assistance
Covered
The ADAC emergency number is reachable around the clock in case of a claim; ADAC also provides an information service on required/recommended vaccinations, naming of German- or English-speaking doctors abroad, notification of relatives, and an interpreter service (reimbursed up to 200 EUR per claim).
Key conditions
Assistance call deadline
The insured must notify ADAC without delay in case of inpatient treatment, medical repatriation, or death abroad, and must contact ADAC before extensive diagnostic or therapeutic measures (e.g. MRI/CT scans, biopsies, coronary angiography, surgery); the 24/7 ADAC emergency number must be used.
Unauthorized treatment
Intentional breach of the policyholder's duties results in loss of cover; grossly negligent breach allows ADAC to reduce benefits in proportion to the severity of fault, provided the insured was informed beforehand in writing of these consequences.
Purchase while abroad
The contract must be concluded before crossing the border out of Germany; if it is concluded while the insured is already abroad, there is no coverage for that particular stay.
Chronic conditions
Only an unexpected acute worsening of a pre-existing, already-treated chronic illness during the trip is covered (additional costs reimbursed); treatment that would foreseeably have been needed during a planned trip anyway is excluded.
Pregnancy
Covered are complications during pregnancy, medically necessary termination of pregnancy, miscarriage, and premature birth up to and including the 36th week of pregnancy; routine check-ups, preventive care, and births after the 36th week are excluded.
Pre-existing condition exclusions
There is no blanket exclusion of pre-existing conditions; only treatments that were already foreseeable/scheduled to occur during the trip at its outset (based on a pre-existing diagnosis) are excluded, while an unexpected acute worsening of a chronic condition remains covered.
Coverage duration limit
Cover applies for the first 63 days of each stay abroad during the policy term; for longer stays ADAC offers the separate 'Auslandskrankenschutz Langzeit' product, covering 2–24 months.
Documents
ADAC Auslandskrankenschutz Basis – Consumer Information & Terms and Conditions
Terms & conditions
ADAC Auslandskrankenschutz Basis – IPID
IPID
ADAC Auslandskrankenschutz Exklusiv – Consumer Information & Terms and Conditions
Terms & conditions
ADAC Auslandskrankenschutz Exklusiv – IPID / Contract documents
IPID
ADAC Auslandskrankenschutz Premium – IPID
IPID
Policy specifics
Medical repatriation
Coverage for transport back to Germany when hospitalization exceeds 14 days and is medically necessary
SourceSearch, rescue and recovery costs
Coverage for rescue and recovery operations following accident or serious illness abroad
SourcePregnancy and childbirth coverage
Coverage for complications during pregnancy, medically necessary termination of pregnancy, miscarriage, and premature birth
SourcePet repatriation
If insured is unable to care for pet abroad due to illness/injury, ADAC organizes return of dog or cat to home
SourceHospital daily allowance
Exklusiv and Premium pay a hospital daily allowance of 30 EUR per day of full inpatient treatment abroad (or in Germany immediately following a medical repatriation), capped at 30 days (max. 900 EUR).
SourceTransitional lump-sum benefit
Exklusiv and Premium pay a transitional lump-sum benefit of 1,000 EUR from the 31st uninterrupted day of full inpatient treatment and a further 2,000 EUR from the 53rd day (max. 3,000 EUR in total).
SourceImmediate lump-sum benefit for severe events
Exklusiv and Premium pay an immediate lump sum of 5,000 EUR for a severe heart attack, severe stroke, or specified severe injuries with a complicated course (e.g. paraplegia, amputation, severe burns) confirmed by an ADAC-appointed doctor; the claim must be made within 3 months of the event.
SourceReturn travel costs after first treatment
Exklusiv and Premium reimburse up to 1,000 EUR for the insured's travel back to their accommodation after emergency first treatment.
SourceAdvisory service after medical repatriation
After a medical repatriation, Exklusiv and Premium provide telephone advice on cost bearers for treatment in Germany, rehabilitation clinics, disability-related housing/vehicle adaptation, social-law questions, and professional reintegration.
SourcePatient legal protection & accident cover (Premium only)
The Premium tariff bundles patient legal protection (claims for treatment errors and breach of the duty to inform, sum insured 100,000 EUR) and an accident cover (invalidity benefit up to 20,000 EUR with progression, death benefit 5,000 EUR) together with the medical cover; these three covers can only be purchased jointly, not standalone.
SourceAvailable tariff tiers
Three tariff tiers: Basis (basic coverage), Exklusiv (exclusive with additional services), and Premium (highest tier with legal protection)
SourceGeographic coverage area
Worldwide coverage with exceptions for Germany and country of residence
SourceAge limits and rate adjustments
Insurance available up to age 75; premium increases at age 66 and 76
SourceProfessional sports injury exclusion
No coverage for treatment of injuries sustained by professional athletes during active participation in competitions
SourceCost reimbursement method
For minor treatments: policyholder pays at point of service then submits receipts for reimbursement via online claim form
SourceSources
- https://www.adac.de/der-adac/verein/corporate-news/premium-mitgliedschaft-aks/
- https://www.adac.de/produkte/versicherungen/auslandskrankenversicherung/familien/
- https://www.adac.de/produkte/versicherungen/auslandskrankenversicherung/senioren/
- https://www.adac.de/produkte/versicherungen/auslandskrankenversicherung/tarife-und-leistungen/