BD24 Berlin Direkt Versicherung AG
Berlin Direkt Versicherung
Berlin Direkt Versicherung is a travel insurance for the Germany market with online purchase and limited assistance availability.
Direct payment
The IPID does not describe a cashless direct-billing arrangement; proven treatment costs must be documented, and the insurer's emergency call service (Notrufservice) must be contacted immediately in cases such as hospitalisation or before major diagnostic/therapeutic procedures.
Geographic scope
Worldwide
Coverage applies worldwide abroad; trips within Germany are not covered
Starting price
€20
Indicative — pricing assumptions not stated
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.
Emergency Medical Treatment
Covered
Outpatient and inpatient treatment including unavoidable operations abroad is covered; no cap is stated.
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.
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.
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.
Medical Transport
Covered
Transport to inpatient treatment is covered; no monetary cap is stated.
Medically Necessary Repatriation
Covered
Medically sensible and justifiable repatriation to the home country is covered without deductible; no sum insured is stated.
Repatriation of Remains / Burial Abroad
Covered
Transfer of remains from abroad or burial abroad in case of death is covered; no cap is stated.
COVID-19 Treatment
Covered
Proven costs for illness explicitly including COVID-19 infection are covered under the same terms as other illnesses.
Pre-existing Conditions
Excluded
Foreseeable deterioration or treatment of pre-existing illnesses is always excluded from cover.
Adventure Sports Cover
No limit stated
Not addressed in the available TravelCare Health documents.
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.
Emergency Assistance Service
Covered
An emergency call service (Notrufservice) is provided for coordination of hospitalization, repatriation and information exchange between doctors, plus travel-warning information; the source does not explicitly confirm 24/7 hours.
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.
Where to buy
Policy specifics
Medical Treatment Coverage
Coverage includes outpatient, inpatient, and dental treatments abroad, as well as medications and medical supplies
SourceMedical Repatriation
Coverage for medically necessary transport back to home country after serious illness or injury abroad
SourceDental Treatment
Pain-relieving dental treatment including simple fillings and emergency dental repairs abroad
SourcePregnancy-related Treatment
Coverage for pregnancy-related medical treatment abroad up to week 36 of pregnancy
SourceEmergency 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
Source