Barmenia Versicherungen a.G.

Outpatient and inpatient medical treatment costs abroad (doctor's fees, prescribed medicines, remedies, aids, X-ray/isotope treatment, accommodation/meals during hospitalization, dental treatment) are reimbursed in full without any deductible.

Necessary ambulatory first-aid treatment following an emergency, and transport to a doctor or hospital for such treatment, is covered in full as part of the general medical expense cover.

Full cost reimbursement for medically necessary inpatient treatment abroad (1- or 2-bed room and meals). Instead of cost reimbursement, the insured may elect a hospital daily cash benefit of 30.00 EUR per day. In addition, Barmenia always pays a supplementary hospital daily allowance of 15.00 EUR per day without proof of costs.

Medically necessary outpatient treatment abroad, including doctor's consultations, prescribed medicines and remedies, is reimbursed in full.

Dental treatment including necessary simple fillings and repairs to existing dentures, as well as provisional dentures, is covered in full. New permanent dentures, crowns and orthodontic treatment are excluded.

Necessary transport to a recognized, medically suitable hospital for inpatient treatment, and to a doctor/hospital for outpatient first aid after an emergency, is reimbursed in full.

Full reimbursement of necessary costs for a medically sensible and justifiable transport back to Germany due to illness or accident, including medically trained escort personnel and emergency air ambulance flights where medically necessary. In addition, a flat-rate lump sum of 500.00 EUR is paid on request for any such repatriation transport (this is an extra payment, not a cap on the transport cost cover).

If the insured person dies abroad, costs of transporting the body to their place of residence are reimbursed up to 10,000.00 EUR, or alternatively burial costs at the place of death up to the same amount.

If the insured person must be searched for, rescued or recovered following an accident, costs are reimbursed up to 5,000.00 EUR.

Medically necessary outpatient or inpatient treatment is covered even if caused by a pandemic, on the same full-reimbursement basis as other medical expenses.

Not mentioned as a distinct benefit in the provided Travel day/Travel+ (Krankenversicherung) terms and conditions.

Not mentioned as a distinct benefit in the provided Travel day/Travel+ (Krankenversicherung) terms and conditions.

Necessary medical examinations and treatment due to pregnancy, premature birth or miscarriage, and an unforeseeable medically necessary termination of pregnancy, are treated as an insured event and reimbursed in full, on the same basis as other medical expenses.

The terms and conditions describe a cost-guarantee (Kostenzusage) process but do not explicitly describe a dedicated 24/7 assistance hotline for this product.