Berlin Direkt Versicherung Travel insurance (Travelcare Health)
Underwritten by BD24 Berlin Direkt Versicherung AG · Germany
travel insurance from Berlin Direkt Versicherung for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2024Sources
Key facts
- Berlin Direkt Versicherung
- Starting price: €19.90per yearAs published by the insurer — it does not say who the price is for
Unique selling points
Offered without any deductible (ohne Selbstbeteiligung), unlike the insurer's package products which carry an excess.
Annual policy covers an unlimited number of worldwide trips of up to 63 days each.
Explicitly includes COVID-19 illness under the same terms as other covered illnesses.
Covers pregnancy-related treatment including delivery, plus emergency psychological treatment after traumatic events.
Very low entry premium starting at EUR 19.90 per year for individuals up to age 39.
Coverage limits
Medical Expenses
Covered
Covers proven costs for outpatient and inpatient treatment, medications, remedies and prescribed aids due to illness, accident or death; no maximum sum insured is stated in the IPID.
Section: Was ist versichert?
Nachgewiesene Kosten bei Krankheit (inkl. Covid-19-Erkrankung), Unfall oder Tod für: ambulante Behandlungen; stationäre Behandlungen einschließlich unaufschiebbarer Operationen;
Emergency Medical Treatment
Covered
Outpatient and inpatient treatment including unavoidable operations abroad is covered; no cap is stated.
Section: Was ist versichert?
stationäre Behandlungen einschließlich unaufschiebbarer Operationen;
Hospitalization
Covered
Full inpatient hospital treatment is covered without a stated cost cap; in addition a hospital daily-cash allowance of EUR 50 per day is paid for a maximum of 30 days.
Section: Gibt es Deckungsbeschränkungen?
vollstationäre Krankenhausbehandlung: 50, - EUR Tagegeld für maximal 30 Tage
Outpatient Treatment
Covered
Outpatient treatment, prescribed medications and therapies are covered; outpatient emergency psychological treatment after a traumatic event is limited to a maximum of EUR 250.
Section: Gibt es Deckungsbeschränkungen?
Die Kosten der ambulanten psychologischen Notfallbehandlung bis maximal 250,00 EUR
Emergency Dental Treatment
Covered
Pain-relieving dental treatment including simple fillings and accident-related provisional dentures is covered; routine dental work, dentures, crowns and orthodontics are excluded.
Section: Was ist versichert?
schmerzstillende Zahnbehandlungen einschließlich Zahnfüllungen in einfacher Ausführung und unfallbedingten provisorischen Zahnersatz;
Medical Transport
Covered
Transport to inpatient treatment is covered; no monetary cap is stated.
Section: Was ist versichert?
Krankentransporte zur stationären Behandlung;
Medically Necessary Repatriation
Covered
Medically sensible and justifiable repatriation to the home country is covered without deductible; no sum insured is stated.
Section: Was ist versichert?
den medizinisch sinnvollen und vertretbaren Krankenrücktransport;
Repatriation of Remains / Burial Abroad
Covered
Transfer of remains from abroad or burial abroad in case of death is covered; no cap is stated.
Section: Was ist versichert?
Überführung aus dem Ausland oder Beisetzung im Ausland;
Search and Rescue
€15K
Search and rescue costs are covered up to EUR 15,000.
Section: Gibt es Deckungsbeschränkungen?
Rettungs- und Bergungskosten: bis 15.000, - EUR
COVID-19 Treatment
Covered
Proven costs for illness explicitly including COVID-19 infection are covered under the same terms as other illnesses.
Section: Was ist versichert?
Nachgewiesene Kosten bei Krankheit (inkl. Covid-19-Erkrankung), Unfall oder Tod für:
Pre-existing Conditions
Excluded
Foreseeable deterioration or treatment of pre-existing illnesses is always excluded from cover.
Section: Was ist nicht versichert?
absehbare Verschlechterungen oder Behandlungen bestehender Erkrankungen;
Pregnancy Complications
Conditional
Pregnancy treatment including delivery, medically necessary termination and miscarriage-related treatment is covered; treatment due to premature birth or termination of pregnancy is covered only up to the 36th week of pregnancy.
Section: Gibt es Deckungsbeschränkungen?
Behandlungen aufgrund von Frühgeburten und Schwangerschaftsabbrüchen bis zur 36. Schwangerschaftswoche
Emergency Assistance Service
Covered
A 24/7 emergency hotline (ROLAND Assistance, +49 30 346 465 465) coordinates hospitalisation, repatriation and information exchange between doctors, offers telemedical first consultations at no extra cost, and provides travel-warning information.
Section: Krank im Urlaub?
Notruf-Hotline jetzt auch mit telemedizinischer Erstberatung. 24/7. Weltweit. Ohne Zusatzkosten.
Key conditions
Assistance call deadline
The emergency call service (Notrufservice) must be contacted immediately at the start of inpatient treatment, before extensive diagnostic/therapeutic measures, before repatriation transport, and before burial or repatriation abroad in case of death.
Unauthorized treatment
Failure to notify the insurer or the emergency call service as required may lead to denial or reduction of benefits.
Purchase while abroad
Cover only applies if the contract was concluded before the trip started; a trip is deemed to have started once the first travel service has been used. If the contract is concluded after the trip has begun, cover applies only to subsequent trips.
Chronic conditions
No separate chronic-illness clause is stated; the general exclusion for foreseeable deterioration or treatment of existing illnesses applies.
Pregnancy
Pregnancy-related treatment including delivery, medically necessary termination and treatment following miscarriage is covered; treatment for premature birth or termination of pregnancy is covered only up to the 36th week.
Pre-existing condition exclusions
Foreseeable deterioration or treatment of illnesses that already existed before the trip is always excluded from cover.
Coverage duration limit
This is an annual travel health policy covering an unlimited number of worldwide trips, each up to 63 days in duration.
Direct payment
For inpatient treatment the hospital can bill the insurer directly, so no advance payment is usually needed; outpatient treatment is normally paid upfront and reimbursed on submission of the invoice and claim form. The emergency service must be contacted at the start of inpatient treatment or before major procedures.
Territorial scope
Coverage applies worldwide abroad; trips within Germany are not covered
Documents
Policy specifics
Medical Treatment Coverage
Coverage includes outpatient, inpatient, and dental treatments abroad, as well as medications and medical supplies
SourcePage Seite 1Section: Was ist versichert?
ambulante Behandlungen; stationäre Behandlungen einschließlich unaufschiebbarer Operationen; Arznei-, Heil- und Verbandsmittel sowie ärztliche verordnete Hilfsmittel;
Medical Repatriation
Coverage for medically necessary transport back to home country after serious illness or injury abroad
SourcePage Seite 1Section: Was ist versichert?
den medizinisch sinnvollen und vertretbaren Krankenrücktransport;
Dental Treatment
Pain-relieving dental treatment including simple fillings and emergency dental repairs abroad
SourcePage Seite 1Section: Was ist versichert?
schmerzstillende Zahnbehandlungen einschließlich Zahnfüllungen in einfacher Ausführung und unfallbedingten provisorischen Zahnersatz;
Pregnancy-related Treatment
Pregnancy treatment including delivery is covered; treatment due to premature birth or termination of pregnancy is covered up to week 36 of pregnancy
SourcePage Seite 1Section: Gibt es Deckungsbeschränkungen?
Behandlungen aufgrund von Frühgeburten und Schwangerschaftsabbrüchen bis zur 36. Schwangerschaftswoche
Deductible
The product is available without deductible (ohne Selbstbeteiligung)
SourcePage Seite 1Section: Um welche Art der Versicherung handelt es sich?
Das ausgewählte Produkt ist eine Jahres-Reisekrankenversicherung ohne Selbstbeteiligung für alle Reisen weltweit bis zu 63 Tagen.
Coverage Territory
Worldwide coverage for trips up to 63 days duration
SourcePage Seite 1Section: Um welche Art der Versicherung handelt es sich?
Das ausgewählte Produkt ist eine Jahres-Reisekrankenversicherung ohne Selbstbeteiligung für alle Reisen weltweit bis zu 63 Tagen.
Emergency Notification
Requirement to contact emergency service immediately when hospitalization begins or before major diagnostic/therapeutic procedures
SourceAdvance Payment for Non-Emergency Care
Insured must pay upfront for outpatient treatment and submit receipts for reimbursement after return to Germany
SourceSection: Warum lohnt sich eine Reise-Krankenversicherung? > Was ist zu tun, wenn ich im Urlaub erkranke oder ein Notfall eintritt?
Bei ambulanten Heilbehandlungen bei einem Arzt vor Ort musst du in der Regel in Vorkasse gehen und erhältst eine Rechnung, die du zusammen mit dem ausgefüllten Schadensformular einreichst, wenn du wieder in Deutschland bist.
Sources
Berlin Direkt Versicherung Travel insurance