ALTE OLDENBURGER Krankenversicherung AG
ALTE OLDENBURGER
ALTE OLDENBURGER is a travel insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
If the emergency service is notified before hospital admission, ALTE OLDENBURGER settles the hospital bill directly with the hospital so the insured does not have to pay upfront; without prior notification, the reimbursement principle applies and the insured must pay first.
Geographic scope
Worldwide (outside Germany)
Cover applies to foreign countries; the Federal Republic of Germany itself does not count as abroad.
Starting price
€11
Indicative — pricing assumptions not stated
Unique selling points
- Unlimited number of trips per year covered under one annual premium, with each individual trip protected for up to 8 weeks.
- A dedicated Notruf emergency service line helps find a suitable hospital and coordinates repatriation when needed.
- Hospital bills can be settled directly with the treating hospital when the emergency service is notified in advance, avoiding out-of-pocket payment.
- A family tariff (AK-F) covers the policyholder, spouse or registered partner, and minor children under a single contract.
- If a parent must be hospitalized abroad, the insurer organizes and pays for the child's care and additional return travel costs.
Coverage limits
Medical expenses abroad
Covered
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.
Emergency medical treatment
Covered
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.
Inpatient (hospital) treatment
Covered
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.
Outpatient medical treatment
Covered
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.
Dental emergency treatment
Covered
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.
Local medical transport
Covered
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.
Medical repatriation to Germany
Covered
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.
Repatriation of remains / death abroad
Covered
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.
Search, rescue and recovery costs
€5,000
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.
COVID-19 treatment
No limit stated
The policy documents do not separately mention COVID-19 treatment; general illness coverage rules would apply but no explicit statement was found.
Pre-existing conditions
Excluded
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.
Winter sports cover
No limit stated
Not mentioned in the policy documents; no specific winter sports clause or exclusion was found.
Adventure sports cover
No limit stated
Not mentioned in the policy documents; no specific adventure sports clause or exclusion was found.
Pregnancy complications
Conditional
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.
Personal liability abroad
No limit stated
Not mentioned in the policy documents; no personal liability benefit or exclusion was found.
Legal assistance abroad
No limit stated
Not mentioned in the policy documents; no legal assistance benefit or exclusion was found.
Notruf emergency assistance service
Covered
A Notruf emergency service (+49 4441 905-4441) can be contacted for advice and support, to find a suitable hospital, and to coordinate repatriation and child-care benefits; telephone costs for the first contact are reimbursed at a flat rate of 10 EUR. The policy documents do not explicitly state that the service operates around the clock.
Key conditions
Assistance call deadline
The emergency service must be engaged immediately before or upon hospital admission; for repatriation transport and child-care assistance, notifying the emergency service is mandatory in every case to avoid benefit restrictions.
Unauthorized treatment
If the emergency service is not notified in advance of repatriation or child-care assistance, reimbursement is limited to the amount that would have applied had the service been properly engaged.
Purchase while abroad
The application, including the SEPA direct debit mandate, must reach the insurer before the insured departs from Germany; cover cannot be taken out while already abroad.
Chronic conditions
The policy does not define a separate category for chronic diseases; any illness that was foreseeably going to require treatment during the trip as planned is excluded regardless of whether it is chronic or acute (see pre-existing conditions).
Pregnancy
Unforeseen acute pregnancy complications are covered as an insured event, but treatment is excluded if the complication occurs after completion of the 32nd week of pregnancy, unless the extended stay was necessitated by an earlier insured event.
Pre-existing condition exclusions
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.
Coverage duration limit
Cover applies to any number of trips taken within one insurance year, provided each trip does not exceed 8 weeks; if a trip lasts longer, benefits are only provided for the first 8 weeks of that trip.
Where to buy
Policy specifics
Medical repatriation/return transport
Coverage includes return transport to Germany in case of serious illness or injury requiring hospitalization
SourceSearch, rescue, and evacuation costs
Coverage includes costs for search, rescue, and evacuation operations
SourceChild care during parent hospitalization
Coverage includes travel and accommodation for a companion to care for insured children if parent requires hospitalization
SourceEmergency notification requirement
For hospital treatment, repatriation, or child care services, the insured must notify ALTE OLDENBURGER emergency service (+49(0)4441 905 4441) to obtain suitable hospital and avoid out-of-pocket costs
SourceMaximum trip duration per journey
Insurance covers unlimited trips within one year, but maximum duration per individual trip is 8 weeks (56 days)
SourceAnnual contract term
Insurance contract is concluded for one year and automatically renews annually unless cancelled
SourceFamily coverage option
AK-F variant covers policyholder, spouse/partner, and minor children (including step/adopted/foster children) living in Germany
SourceCoverage exclusions
Insurance does not cover treatments where the sole purpose of travel is medical treatment, or for known pre-existing conditions requiring treatment during the trip
SourceDirect payment model for hospital services
When emergency service is notified before hospital admission, ALTE OLDENBURGER settles hospital bills directly; otherwise reimbursement mode applies
Source