ALTE OLDENBURGER Travel insurance (Travel Medical Ak)

Reimburses medically necessary outpatient, inpatient and dental treatment costs incurred abroad due to illness or accident. No monetary cap is stated for medical expenses generally; the insurer may reduce benefits if costs are disproportionate to the treatment provided.

Covers transport to the nearest available doctor or hospital by recognized rescue services for initial care after an accident or emergency, plus the medically necessary treatment itself.

Covers physician services, hospital services including nursing, accommodation and meals, and transport to the nearest suitable hospital by recognized rescue services. No monetary cap is stated. As an alternative to cost reimbursement, the insured may instead choose a hospital daily allowance of 25 EUR per day of hospitalization.

Covers outpatient treatment by physicians, alternative practitioners (Heilpraktiker), chiropractors and osteopaths, plus prescribed medicines, bandages, aids and physiotherapy remedies, and transport to the nearest reachable doctor or hospital.

Covers pain-relief dental treatment including simple fillings, provisional dentures in simple design, and repair/restoration of dentures already present at the start of the trip. Excludes inlays, new dentures (e.g. crowns, bridges, prostheses, implants) and orthodontic treatment; laboratory work for provisional dentures is also excluded.

Covers transport to the nearest reachable doctor or hospital by recognized rescue services for initial care following an accident or emergency, both for outpatient and inpatient cases.

Organizes and reimburses the additional costs of a medically necessary return transport to Germany when repatriation is medically sensible, the inpatient treatment abroad is expected to last longer than 14 days, or repatriation costs would be lower than continued treatment abroad. Prior approval from the emergency service is required; without it, reimbursement is capped at the amount that would have applied had the service been notified.

If the insured dies abroad, the insurer organizes transport of the deceased to their last permanent residence and reimburses the direct transfer costs. If burial takes place abroad instead, burial costs are reimbursed up to the amount that a repatriation would have cost.

Reimburses costs incurred if the insured must be searched for, rescued or recovered abroad due to illness, accident or death, up to 5,000 EUR.

The policy documents do not separately mention COVID-19 treatment; general illness coverage rules would apply but no explicit statement was found.

No benefits are paid for illnesses that were foreseeably going to require treatment during the trip as planned, unless the trip was undertaken due to the death of the insured's spouse/registered partner or a first-degree relative.

Not mentioned in the policy documents; no specific winter sports clause or exclusion was found.

Not mentioned in the policy documents; no specific adventure sports clause or exclusion was found.

Unforeseeable, acute pregnancy complications (including miscarriage, premature birth or emergency termination) are treated as an insured event, but no benefit is paid if they occur after completion of the 32nd week of pregnancy, unless the extended stay abroad was necessitated by a prior insured event. Medically necessary treatment of a premature baby is also covered.

Not mentioned in the policy documents; no personal liability benefit or exclusion was found.

Not mentioned in the policy documents; no legal assistance benefit or exclusion was found.