BarmeniaGothaer AG
BarmeniaGothaer
BarmeniaGothaer is a travel insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
Barmenia operates on a cost-reimbursement basis: the policyholder pays providers directly and submits invoices for reimbursement, with no deductible. For hospitalization, Barmenia can issue a direct payment guarantee (Kostenzusage) to the hospital if proof of insurance (and, for family cover, proof of eligible dependents) is provided in advance.
Geographic scope
Worldwide, excluding Germany and the insured person's country of habitual residence
Full medical treatment cost coverage applies only outside Germany. For inpatient treatment within Germany during a qualifying trip, only limited benefits apply (hospital daily allowance, transport to a hospital near home, domestic repatriation).
Starting price
€2
Indicative — pricing assumptions not stated
Unique selling points
- Full 100% reimbursement of eligible medical costs abroad with no deductible.
- Medical repatriation is triggered whenever it is medically sensible and justifiable, not only when strictly necessary, plus a flat EUR 500 payment toward additional repatriation costs.
- Single-trip cover (Travel day) can be booked for up to 365 days, one of the longer single-trip terms on the market.
- Telemedicine consultations during the trip are reimbursed at 100%, with the same cost coverage as an in-person doctor visit.
- The Travel+ family tariff includes emergency childcare abroad if parents must be hospitalized or repatriated during the trip.
Coverage limits
Medical expenses (outpatient/inpatient treatment abroad)
unlimited
Full (100%) reimbursement of costs for medically necessary outpatient and inpatient treatment abroad, including doctor's fees, prescribed medicines, remedies, X-ray/imaging, and hospital accommodation, with no sum insured cap. Identical in Travel day and Travel+.
Emergency medical treatment
unlimited
Emergency outpatient care and first response after an accident or sudden illness abroad, including transport to the nearest suitable doctor or hospital, is reimbursed in full with no cap.
Hospitalization abroad
unlimited
Full cost reimbursement for medically necessary inpatient treatment, plus an additional hospital daily allowance of EUR 15/day without proof of costs. Alternatively, the policyholder may choose a flat EUR 30/day hospital cash benefit instead of cost reimbursement.
Outpatient treatment
unlimited
Ambulatory doctor consultations, prescribed medicines, remedies (e.g. physiotherapy), auxiliary devices first needed on the trip (except glasses/hearing aids), and imaging are reimbursed at 100% with no cap.
Emergency dental treatment
unlimited
Simple necessary fillings, repairs to existing dentures, and provisional dentures are reimbursed at 100%. New dentures, crowns, bridges, implants and orthodontic treatment are excluded.
Medical transport to treatment
unlimited
Necessary transport to a suitable hospital for inpatient treatment and transport to a doctor/hospital for outpatient emergency care after an accident are fully reimbursed with no cap.
Medical repatriation / rescue flights
unlimited
Full reimbursement of costs for a medically sensible and justifiable repatriation abroad (including rescue flights and required medically trained escort), triggered also if treatment costs abroad would exceed repatriation costs or hospitalization is expected to exceed 7 days. A flat EUR 500 payment is additionally made for such repatriations. Trigger threshold is 'medically sensible and justifiable' rather than strictly necessary.
Repatriation of remains / burial abroad
€10,000
If the insured person dies abroad, repatriation of the deceased to their place of residence, or alternatively burial at the place of death, is covered up to EUR 10,000. A separate sub-limit of EUR 600 applies for repatriation within Germany.
Search, rescue and recovery costs
€5,000
Costs of search, rescue or recovery operations are reimbursed up to EUR 5,000 per insured person. Under Travel day this applies only if triggered by an accident; under Travel+ it applies for accidents or illness.
COVID-19 / pandemic-related treatment
unlimited
Medically necessary outpatient or inpatient treatment is covered even if caused by a pandemic/infectious disease, with the same 100% reimbursement as other medical expenses.
Pre-existing/chronic conditions
Conditional
Treatment of conditions treated in the last 3 months before departure is excluded if the trip was undertaken to obtain treatment abroad or treatment was already foreseeable at departure. However, an unforeseen acute deterioration of a known/chronic condition during the trip requiring emergency treatment remains covered; routine ongoing management (e.g. regular medication/monitoring) of a chronic condition is not covered.
Winter sports cover
No limit stated
Not addressed in the Travel day/Travel+ terms and conditions.
Adventure sports cover
No limit stated
Not addressed in the Travel day/Travel+ terms and conditions.
Pregnancy-related events
unlimited
Necessary medical examinations and treatment due to pregnancy, premature or miscarriage, and an unforeseeable medically necessary termination of pregnancy are treated as insured events and reimbursed at 100%.
Personal liability
No limit stated
Not part of the Travel day/Travel+ health insurance product; personal liability is only available under Barmenia's separate Reiseversicherung (trip cancellation/baggage/liability) product.
24/7 assistance hotline
No limit stated
The AVB mention telemedicine and assistance-partner phone costs but do not explicitly state a 24/7 availability guarantee.
Key conditions
Assistance call deadline
No mandatory hotline call or prior approval is required before receiving treatment abroad; the insured person has a free choice among licensed doctors and hospitals in the country of stay.
Unauthorized treatment
There is no specific penalty for not calling in advance; however, general policyholder duties (Obliegenheiten) apply, such as submitting original invoices and necessary proof, and providing truthful information. Breach of these duties can lead to full or partial loss of benefits depending on the degree of fault.
Purchase while abroad
Not possible. The contract must be concluded in Germany before the trip begins, and cover never starts before the border crossing (for foreign trips) or leaving home/workplace (for domestic trips).
Chronic conditions
Ongoing routine treatment of chronic diseases (e.g. regular medication and monitoring) is excluded. An unforeseen acute deterioration requiring emergency treatment (e.g. a diabetic emergency) remains covered.
Pregnancy
Necessary examinations and treatment due to pregnancy, premature birth or miscarriage, and an unforeseeable medically necessary termination of pregnancy are covered as an insured event.
Pre-existing condition exclusions
Treatment for a condition already treated in the 3 months before departure is excluded if the trip's purpose was treatment abroad, or if treatment was already foreseeable when the trip began. Coverage continues for conditions if an unforeseen worsening occurs during the trip.
Coverage duration limit
Travel day: single-trip cover selectable from 3 up to 365 days. Travel+: an annual contract covering an unlimited number of trips, but each individual trip is covered only for its first 8 weeks.
Where to buy
Policy specifics
Medical repatriation/transport
Full reimbursement for medically necessary and reasonable repatriation from abroad including rescue flights, with accompanying medical personnel included
SourceRescue and recovery costs
Coverage for search, rescue, and recovery operations costs up to specified limits per insured person
SourceRooming-in (companion accommodation)
Coverage for accommodation costs of a companion staying with a hospitalized minor child during foreign hospitalization
SourceRepatriation of deceased
Coverage for transportation of deceased to home country up to specified maximum amount
SourceMaximum trip duration (Travel+ annual contract)
Travel+ annual contracts limit individual trip duration to maximum 8 weeks; beyond that coverage ceases
SourceCost reimbursement model
Insurer reimburses policyholder directly for reasonable and necessary medical costs incurred abroad; 100% reimbursement without deductible
SourceGeographic scope of coverage
Worldwide coverage for medical treatment incurred outside Germany during insured trips; insurer must have primary residence in Germany
SourcePre-existing conditions exclusion
Treatment of chronic diseases or foreseeable medical conditions not covered unless they first manifest during trip
SourceTravel Day trip duration selection
Travel Day single-trip policies allow selection of duration from 3 days up to 365 days; coverage ends automatically after selected trip
SourceMedical auxiliary devices coverage
Medically prescribed auxiliary devices (e.g., crutches, mobility aids) are covered; excludes optical glasses and hearing aids
Source