BavariaDirekt Travel insurance (Auslandskranken Versicherung Akd)
Underwritten by Union Reiseversicherung AG · Germany
travel insurance from BavariaDirekt for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2018-01-01Sources
Key facts
- BavariaDirekt
- Starting price: €18per yearAs published by the insurer — it does not say who the price is for
Unique selling points
100% reimbursement of medical costs abroad with no deductible, covering both public and private doctors and clinics.
Unlimited number of trips per contract year are covered, each up to 56 days, starting from €18 per year.
Via the 'Notfall Ambulant Assistent' (partner Air Doctor), doctor appointments abroad can be booked online and billed directly, so no costs need to be paid upfront.
Immediate policy validity from the day of conclusion, with no waiting period, and free choice of doctor or hospital abroad.
Worldwide protection with no regional restrictions, including a 24/7 emergency call service reachable in nearly every country.
Coverage limits
Medical expenses
Covered
100% reimbursement of medical treatment and medication costs incurred abroad, with no deductible, applicable to both public and private doctors and clinics.
Section: Die wichtigsten Leistungen unserer Reisekrankenversicherung > Erstattung zu 100 Prozent
Ambulante und stationäre Behandlungen sowie erforderliche Arzneimittel
Emergency medical treatment
Covered
Covers medically necessary treatment of illness or accident consequences occurring abroad, including consultations, operations and operation-related costs, freely choosing among licensed doctors, dentists, naturopaths, osteopaths and chiropractors.
Hospitalization
Covered
Covers inpatient treatment, accommodation and meals at a hospital of choice, including the cost of a companion staying with a minor child. If another payer (e.g. statutory health insurance) covers part of the costs, a hospital daily allowance of up to 30 EUR per day is paid in addition to the remaining reimbursable costs, or a flat 30 EUR/day allowance can be chosen instead of any cost reimbursement.
Outpatient treatment
Covered
100% reimbursement for ambulatory treatments and required medicines as well as remedies and aids, without deductible.
Section: Die wichtigsten Leistungen unserer Reisekrankenversicherung > Erstattung zu 100 Prozent
Heilmittel und Hilfsmittel
Emergency dental treatment
Covered
Covers pain-relieving dental treatment, simple fillings, provisional dentures and repairs of prostheses; excludes new dentures, crowns and inlays.
Medical transport
Covered
Covers medically necessary transport by ambulance or rescue helicopter to the nearest suitable hospital or doctor after an accident or emergency; if the transport is not carried out by a rescue service (e.g. taxi), the benefit is capped at 30 EUR per insured event.
Section: Tarif AKE-16 > 6. Welche Versicherungsleistungen werden erbracht? > 6.1 Erstattet werden die Aufwendungen für: > h) Rettungsdienste
Erfolgt die Fahrt nicht durch einen Rettungsdienst (z. B. Taxi), ist die Leistung auf einen Rechnungsbetrag von insgesamt 30 Euro je Versicherungsfall begrenzt.
Medical repatriation
Covered
Covers a medically sensible and reasonable repatriation transport back to Germany, including the cost of a companion if medically advisable, provided the transport is organized by the insurer or its emergency call service.
Repatriation of remains / funeral costs
Covered
In case of death abroad, the costs of burial at the place of death or repatriation to the last permanent place of residence are reimbursed.
Search, rescue and recovery costs
€10K
Covers search, rescue or recovery costs after an accident of the insured person, provided inpatient treatment follows immediately; limited to a maximum of EUR 10,000 per insured person and insured event.
Section: Tarif AKE-16 > 6. Welche Versicherungsleistungen werden erbracht? > 6.1 Erstattet werden die Aufwendungen für: > i) Such-, Rettungs- oder Bergungskosten
Such-, Rettungs- oder Bergungskosten von öffentlich-rechtlich oder privatrechtlich organisierten Rettungsdiensten nach einem Unfall der versicherten Person, wenn im unmittelbaren Anschluss eine stationäre Behandlung stattfindet. Diese Leistungen sind begrenzt auf maximal 10.000 Euro je versicherte Person und Versicherungsfall,
Pre-existing conditions
Conditional
Treatment is excluded where, at the start of the trip, it was already known due to a diagnosed illness that treatment would be required during the planned trip. Unexpected deteriorations of chronic conditions during the trip remain covered.
Pregnancy complications
Covered
Medically necessary treatment of pregnancy complications is covered, including premature births, emergency terminations and miscarriages; ordinary pregnancy, childbirth and postnatal illnesses are excluded.
24/7 assistance hotline
Covered
A 24-hour, seven-days-a-week emergency service reachable nearly worldwide provides referrals to doctors and hospitals, organizes hospital admission cost guarantees, repatriation, and medical interpretation, plus a travel-info line and video-consultation service with German-speaking doctors ('Medical Protect plus').
Section: Was tun im Krankheitsfall während einer Auslandsreise?
Wenn Sie unterwegs erkranken oder einen Unfall haben und auf medizinische Versorgung angewiesen sind, kontaktieren Sie umgehend unseren Notrufservice . Die Mitarbeiter sind täglich 24 Stunden für Sie erreichbar .
Key conditions
Assistance call deadline
In case of hospitalization or the need for repatriation, the insured should contact the 24-hour emergency call service immediately, ideally before treatment or transport begins, so the insurer can arrange cost coverage.
Unauthorized treatment
If a repatriation is arranged without involving the insurer or its emergency call service, the benefit is limited to the amount that would have been payable had the insurer organized the transport itself.
Purchase while abroad
The insurance contract must be concluded before the trip begins; for contracts concluded after a trip has already started, cover only applies from the start of a new trip.
Chronic conditions
Unexpected deterioration of the health condition in the case of chronic illnesses is covered, but planned treatment of a condition that was already foreseeable before departure is excluded.
Pregnancy
Medically necessary treatment of pregnancy complications, including premature birth, emergency termination and miscarriage, is covered; ordinary pregnancy, delivery and postnatal care are not.
Pre-existing condition exclusions
Cover is excluded for treatment that was already foreseeable, based on a diagnosed illness, at the time the trip started; unforeseen worsening of the condition remains insured.
Coverage duration limit
Each individual trip is covered for a maximum of 56 days. The annual contract covers an unlimited number of trips per contract year and is concluded for one year, automatically renewing for another year unless cancelled in writing at least one month before expiry.
Direct payment
Insured persons can receive cashless treatment through UKV's partner network via the 'UKV Urlaubs-Retter' service without having to pay costs upfront; for other providers, costs are reimbursed afterwards upon submission of original invoices and proof of payment.
Territorial scope
Coverage applies worldwide during a temporary stay abroad; the Federal Republic of Germany itself is not considered 'abroad' and is excluded from cover.
Documents
Insurance Product Information Document (IPID) - Auslandsreise-Krankenversicherung (opens in a new tab)
Product information sheet · PDF
General Terms and Conditions (AVB/AK-16) and Tariff (opens in a new tab)
Terms & conditions · PDF
Coverage overview (BavariaDirekt Produktinfos) (opens in a new tab)
Table of benefits · PDF
UKV single-trip tariff product page (AKE-16) (opens in a new tab)
Other document · PDF
Policy specifics
Medical repatriation
Coverage for medically necessary or medically reasonable patient transport back to Germany
SourceSection: Die Vorteile der Auslandskrankenversicherung von URV und BavariaDirekt
Inklusive Krankentransport vor Ort oder Krankenrücktransport - wenn medizinisch sinnvoll und vertretbar auch für eine Begleitperson
Worldwide coverage
Coverage applies worldwide with no geographic restrictions or exclusions
SourceSection: Die Highlights unserer Reisekrankenversicherung > Weltweiter Schutz
Der Auslandskrankenschutz gilt weltweit – ohne Ausnahme.
100% cost reimbursement
All medical treatment and medication costs are reimbursed at 100% (no deductible/Selbstbehalt)
SourceSection: Die Highlights unserer Reisekrankenversicherung > 100 Prozent Erstattung
Für sämtliche Behandlungen oder Medikamente erstatten wir die Kosten zu 100 Prozent.
Multiple annual trips coverage
Annual policy covers unlimited number of trips within one contract year, each up to 56 days duration
SourceSection: Die Vorteile der Auslandskrankenversicherung von URV und BavariaDirekt
Weltweiter Schutz bis zu 56 Tagen pro Reise Schutz gilt für beliebig viele Reisen innerhalb des Vertragsjahres
Immediate policy validity
After contract conclusion, insurance coverage becomes effective immediately without waiting period
SourceSection: Die Highlights unserer Reisekrankenversicherung
Die Auslandskrankenversicherung ist nach Vertragsabschluss sofort gültig.
Free choice of healthcare provider
Insured persons may choose any doctor or hospital without network restrictions
SourceSection: Die Vorteile der Auslandskrankenversicherung von URV und BavariaDirekt
Freie Arztwahl
24-hour service hotline
Service hotline available daily 24 hours to assist with medical emergency coordination and provider location
SourceSection: Die Highlights unserer Reisekrankenversicherung > Service und Beratung im Ernstfall
Die Mitarbeiter der Service-Hotline sind täglich 24 Stunden erreichbar und vermitteln auch Ärzte oder Krankenhäuser.
Exclusion: pre-arranged treatment reason for travel
Treatment of existing conditions not covered if the medical treatment abroad was the reason or one of the reasons for the trip
SourceSection: Reisekrankenversicherung – das ist nicht versichert
Behandlung von bereits bestehenden Krankheiten , wenn vor Reiseantritt feststand, dass während der Reise eine Therapie notwendig sein wird – das gilt nicht für eine Verschlechterung chronischer Leiden während einer Auslandreise
Claim notification requirement for costly treatments
Insured must notify insurer immediately in case of treatment, particularly for expensive treatments, to ensure best coordination and potentially avoid cost disputes
SourceSection: Reisekrankenschutz und Auslandskrankenschutz
Melden Sie sich im Behandlungsfall immer gleich bei Ihrem Auslandsreiseversicherer, vor allem bei kostspieligen Behandlungen.
Death and funeral repatriation coverage
In case of death abroad, insurance covers funeral costs abroad or repatriation to place of permanent residence
SourceSection: Die Vorteile der Auslandskrankenversicherung von URV und BavariaDirekt
Im Todesfall kommen wir auch für die Bestattung im Ausland oder die Überführung an den ständigen Wohnsitz auf
Sources
BavariaDirekt Travel insurance