Allianz Deutschland AG

Assistance call deadline

No fixed number of hours is specified in the reviewed documents; the 24-hour hotline should be contacted before or during inpatient treatment so the cashless cost-guarantee/direct-billing arrangement (up to €10,000) can be organized; failure to inform the insurer promptly can be treated as a breach of duty.

Unauthorized treatment

If a contractual duty (Obliegenheit) is breached intentionally, Allianz is not liable to pay; if breached through gross negligence, the benefit can be reduced in proportion to the degree of fault, up to total loss of the claim, unless the policyholder proves the breach had no effect on the occurrence or scope of the claim.

Purchase while abroad

The contract must be concluded before departure and for the full trip duration; it cannot be taken out once the trip has begun. Current tariffs do, however, allow last-minute purchase up to the day of departure.

Chronic conditions

Chronic conditions are not named as a separate category, but the general pre-existing-condition exclusion applies: treatment for a condition already diagnosed before departure and foreseeably required during the trip is excluded.

Pregnancy

Pregnancy complications, treatment and delivery due to premature birth or miscarriage, and medically necessary termination of pregnancy are treated as insured events and reimbursed under the standard medical-expenses benefit.

Pre-existing condition exclusions

No benefit is paid for treatment that was the reason for the trip, or that was already foreseeable/scheduled at departure due to a pre-existing diagnosed condition, unless the trip was undertaken because of the death of a spouse/partner or first-degree relative.

Coverage duration limit

Annual tariffs (R32, R33 and the current Allianz Jahres-Reise-Krankenschutz) cover each individual trip up to 56 days (8 weeks); single-trip tariffs (R77 and the current Allianz Reise-Krankenschutz) allow a selectable contract duration of between 5 and 365 days.

Medical treatment abroad

Not established from the insurer's documents

Coverage for ambulatory and inpatient medical treatment, including surgery, accommodation and meals in hospital

Repatriation and transport

Coverage for medically necessary and reasonable repatriation including ambulance flights

Emergency assistance services

24-hour hotline, physician referral, interpreter services, cost guarantee up to 10,000 EUR at hospitals

Pre-existing conditions exclusion

Claims arising from pre-existing conditions are excluded unless explicitly covered

Early booking requirement

Insurance must be concluded before departure; cannot be purchased during holiday if already ill

Dental treatment limitation

No coverage for definitive dental work; only emergency temporary dental repairs as immediate measures are covered

Maximum trip duration

Not established from the insurer's documents

For annual policies (R32/R33): maximum 8 weeks (56 days) per trip; for single trip policies: up to 365 days

Coverage territory - Standard

Worldwide coverage including Europe, USA, Canada; optional extensions available for high-risk regions

Direct billing arrangement

Not established from the insurer's documents

Insurer arranges direct settlement with hospitals and physicians up to 10,000 EUR; no prepayment required by policyholder