Allianz Travel insurance (Reise Krankenversicherung)

100% reimbursement of costs for medically necessary outpatient and inpatient treatment abroad (doctor's fees, medication, hospital accommodation and meals); no monetary cap stated. Legacy tariff R77 applies a one-off €50 deductible per insured person for the whole contract term; current tariffs (Allianz Reise-Krankenschutz / Jahres-Reise-Krankenschutz) and legacy R32/R33 are offered without deductible.

100% reimbursement of fees for ambulatory doctor consultations, examinations and outpatient procedures needed due to illness or accident during the trip; free choice of any doctor licensed in the country of stay.

100% reimbursement of hospital charges including nursing, accommodation and meals, plus accompanying-person accommodation if the insured is under 18; an alternative hospital daily allowance of €30/day applies instead of reimbursement for treatment within Germany or where the policy uses a cash-benefit basis.

100% reimbursement for prescribed medication, bandages, physiotherapy-type remedial treatments (inhalations, physiotherapy, massage, hydrotherapy, electro/light therapy) and medical aids, excluding sight aids and hearing aids.

100% reimbursement for pain-relieving dental treatment, simple fillings, provisional dentures, and repairs of inlays, dentures, crowns and bridges. Definitive dentures, implants, crowns/bridges (new fabrication), gnathology and orthodontic treatment are explicitly excluded.

100% reimbursement of medically necessary transport to the nearest suitable doctor/hospital for initial treatment, onward transfer for further treatment, and return transport to accommodation immediately after treatment.

100% reimbursement of a medically sensible and reasonable repatriation transport (including air ambulance) to the permanent residence held before the trip, or to the nearest suitable hospital there, including the cost of an accompanying person; the cheapest suitable means of transport must be chosen unless medical grounds prevent it.

100% reimbursement, without cap, of the costs of repatriating the deceased to the permanent residence held before the trip; if burial takes place abroad, costs directly related to the burial are reimbursed up to €10,000.

Current-generation tariffs (Allianz Reise-Krankenschutz / Jahres-Reise-Krankenschutz) cover search, rescue and recovery costs up to €15,000 per claim; this benefit was introduced after the legacy R32/R33/R77 tariffs, which do not include a separate search-and-rescue benefit of this kind.

COVID-19 is not a separate benefit; it is treated like any other illness under the general 100% medical-expenses cover for illness abroad.

No benefit is paid for treatments that were the sole or a contributing reason for undertaking the trip, or for treatments that were already foreseeable at departure because of a condition diagnosed beforehand and required as scheduled during the trip; exception if the trip was undertaken due to the death of a spouse/partner or first-degree relative.

No specific winter sports exclusion or add-on is set out; treatment following a winter-sports accident falls under the general accident/illness cover.

No separate adventure-sports exclusion; treatment after an accident falls under the general medical cover.

Medically necessary examinations and treatment for pregnancy complications, examinations, treatment and delivery due to premature or miscarriage, and medically necessary termination of pregnancy are all treated as insured events under the 100% medical-expenses benefit.

Personal/travel liability is not part of the travel health insurance product; it is only offered as a separate module within Allianz's multi-peril travel packages, which are a different (non travel_medical) product.

Legal assistance is not a benefit of this travel health insurance; the policy covers medical treatment, transport and related assistance services only.