BavariaDirekt Versicherung AG
BavariaDirekt
BavariaDirekt is a travel insurance for the Germany market with online purchase and 24/7 assistance.
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.
Geographic scope
Worldwide (excluding Germany)
Coverage applies worldwide during a temporary stay abroad; the Federal Republic of Germany itself is not considered 'abroad' and is excluded from cover.
Starting price
€12
Indicative — pricing assumptions not stated
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 just €11.50 per year.
- Includes five 'Medical Protect plus' services free of charge, such as 24/7 German-speaking video doctor consultations and cashless treatment via the 'UKV Urlaubs-Retter' partner network.
- 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.
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 instead of the remaining reimbursable costs, or a flat 30 EUR/day allowance can be chosen instead of cost reimbursement.
Outpatient treatment
Covered
100% reimbursement for ambulatory treatments and required medicines as well as remedies and aids, without deductible.
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
€30
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.
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.
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').
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.
Documents
Policy specifics
Medical repatriation / Krankenrücktransport
Coverage for medically necessary or medically reasonable patient transport back to Germany
Source100% cost reimbursement
All medical treatment and medication costs are reimbursed at 100% (no deductible/Selbstbehalt)
SourceMultiple annual trips coverage
Annual policy covers unlimited number of trips within one calendar year, each up to 56 days duration
SourceImmediate policy validity
After contract conclusion, insurance coverage becomes effective immediately without waiting period
SourceFree choice of healthcare provider
Insured persons may choose any doctor or hospital without network restrictions
Source24-hour service hotline
Service hotline available daily 24 hours to assist with medical emergency coordination and provider location
SourceExclusion: 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
SourceClaim 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
SourceDeath and funeral repatriation coverage
In case of death abroad, insurance covers funeral costs abroad or repatriation to place of permanent residence
Source