AdmiralDirekt.de GmbH
AdmiralDirekt
AdmiralDirekt is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
Insured persons typically pay medical providers directly and submit receipts/invoices for reimbursement; for hospitalization, the 24-hour emergency service team can arrange a direct cost guarantee with the hospital.
Geographic scope
Worldwide, outside Germany (tariffs with or without USA/Canada available)
Coverage applies to travel outside Germany, since Germany is the insured person's country of residence; tariff selection determines whether USA/Canada are included in the geographic scope.
Unique selling points
- No deductible (Selbstbeteiligung) applies to outpatient or inpatient treatment costs abroad.
- The HanseMerkur annual travel medical insurance was awarded 'SEHR GUT' (0.5) as test winner by Stiftung Warentest (Finanzen 05/2025).
- Insured persons are treated as private patients abroad with free choice of doctor and hospital.
- A multilingual 24/7 emergency service team assists with hospital guarantees, doctor referrals, and organizing repatriation.
- If hospitalized for more than 5 days, the insurer organizes and pays for a visit by a close person, including travel costs.
Coverage limits
Medical expenses coverage
unlimited
All costs for outpatient and inpatient medical treatment abroad are covered, without any deductible.
Emergency medical treatment
unlimited
Insured persons are treated as private patients abroad and all costs for necessary medical help are covered.
Hospitalization / inpatient treatment
unlimited
All costs for inpatient hospital treatment abroad are covered without a deductible.
Outpatient treatment
unlimited
All costs for medically necessary outpatient treatment abroad are covered without a deductible.
Emergency dental treatment
unlimited
Covers pain-relieving emergency dental treatments, simple dental fillings, and repairs of existing dentures, within the same all-costs-covered benefit.
Medical transport to nearest clinic
Covered
Costs for transport to the nearest suitable clinic for treatment are covered.
Medically necessary repatriation to home country
Covered
Covers a medically sensible repatriation to Germany, including costs for a co-insured accompanying person if needed; if hospitalized more than 5 days, costs for a close person's visit are also covered.
Repatriation of remains
No limit stated
Not addressed in the reviewed AdmiralDirekt/HanseMerkur sources for this product.
COVID-19 treatment
unlimited
Medically necessary treatment costs due to COVID-19 infection abroad are covered; treatment costs exceeding EUR 100,000 are also covered.
Pre-existing conditions
No limit stated
Coverage may be limited or excluded for conditions existing prior to travel; full details are set out in the General Terms and Conditions (AVB).
Personal liability
No limit stated
Not part of this travel medical product; sold as a separate travel liability product.
24/7 emergency assistance
Covered
A round-the-clock, multilingual emergency service team is available in case of illness, providing guidance, contacting doctors/hospitals, and arranging cost guarantees or repatriation.
Key conditions
Assistance call deadline
Insured persons should contact the 24/7 emergency service team promptly, especially to arrange a cost guarantee before or during hospitalization.
Unauthorized treatment
Not specified in the reviewed sources for this product.
Purchase while abroad
The travel medical insurance can be taken out at any time before departure, but the trip is defined as beginning when leaving the country of residence, implying it cannot be purchased once already abroad.
Chronic conditions
Handling of chronic illnesses is governed by the General Terms and Conditions (AVB); coverage may be limited depending on the specific clause.
Pregnancy
Not specified in the reviewed sources for this product.
Pre-existing condition exclusions
Coverage may be limited or excluded for conditions existing prior to travel; details must be reviewed in the full Terms & Conditions.
Coverage duration limit
AdmiralDirekt markets both a single-trip travel medical policy and an annual policy for multiple trips per year; the exact per-trip duration limit for the standard product is not specified in the reviewed sources.
Documents
General Terms and Conditions (AVB) – Auslandskrankenversicherung VB-KV 2024 (T-D) / Jahres-Auslandskrankenversicherung VB-KV 2024 (JRV-D)
Terms & conditions
Insurance Product Information Document (IPID) – Auslandskrankenversicherung (single trip / annual)
IPID
HanseMerkur Reiseversicherung download center (terms & claim forms)
Other document
Policy specifics
Medical expenses coverage
Comprehensive coverage of ambulatory and inpatient medical treatment costs incurred abroad without self-participation (Selbstbeteiligung)
SourceRepatriation and medical transport
Coverage for medically necessary transport to nearest clinic and medically meaningful repatriation to home country
SourceEmergency dental treatment
Coverage for emergency pain-relieving dental treatments, simple dental fillings, and repairs of existing dentures
SourceCompanion accommodation and care costs
Coverage for accommodation and care costs for co-insured companions (e.g., when traveling with children requiring inpatient treatment)
Source24-hour emergency service
Round-the-clock multilingual emergency hotline service providing medical guidance and assistance coordination
SourcePrivate patient treatment
Insured persons are treated as private patients abroad, allowing access to private clinics and specialists
SourceGeographic coverage scope
Coverage applies to travel outside Germany; worldwide coverage options available (with or without USA/Canada)
SourceClaims and reimbursement procedure
Insured person typically pays medical provider directly and submits receipts/invoices for reimbursement to insurer
Source