Allianz Direct Versicherungs-AG

Covers reasonable and customary costs of medically necessary emergency medical and dental treatment abroad, including prescribed medicines, up to the benefit limit agreed in the individual policy schedule (Versicherungsschein); no fixed euro amount is stated in the general terms. Excludes costs in the country of the insured's permanent residence or a country where they stayed over 3 months/year in the last 3 years.

Sudden, unexpected illness or injury abroad, including diagnosis of an epidemic/pandemic disease such as COVID-19, is covered; the treating provider must be a licensed doctor, dentist or hospital. No separate fixed sub-limit is stated; the sum insured is set in the policy schedule.

Covers medically necessary inpatient treatment; Allianz Direct can issue a cost-guarantee letter or make an advance payment to the hospital. No fixed sub-limit stated in the general terms.

Outpatient doctor visits and treatment for sudden illness/injury abroad are covered as part of the emergency medical treatment benefit; no separate fixed cap stated.

Covers dental injury, inflammation, lost filling or broken tooth requiring dental treatment during the trip abroad; part of the overall medical benefit, no separate fixed sub-limit stated.

Covers transport from the place of the emergency to the nearest suitable doctor or medical facility if local facilities are not adequate, including an organized and paid medical escort where necessary; must be arranged in advance via Allianz Direct's medical service, otherwise reimbursement is capped at what the insurer would have paid.

If medically sensible and the insured is stable enough, Allianz Direct organizes and pays for repatriation transport home (or to another facility/location in the country of residence chosen by the insured), including a medical escort if required. Must be arranged via Allianz Direct in advance; no fixed euro cap is stated.

Allianz Direct organizes and pays the reasonable and necessary costs of transporting the insured's remains to a funeral home near their permanent residence or elsewhere in their home country. If a family member instead chooses local burial/cremation, costs are reimbursed up to the amount repatriation would have cost. No fixed euro cap is stated.

Diagnosis of an epidemic or pandemic disease such as COVID-19 during the trip is explicitly treated the same as any other sudden unexpected illness and is covered under the medical expenses benefit; no separate sub-limit.

As part of the always-included Reise-Assistance service, Allianz Direct helps arrange a lawyer and interpreter if the insured is arrested or threatened with detention, and provides consulate contact details. This is a service benefit, not a monetary sum insured.

A worldwide 24-hour emergency service providing pre-trip information, help finding doctors/facilities, hospital liaison, medical interpreting, help replacing lost travel documents, emergency money transfer support, and message relay, included in every package variant.