BGV Travel insurance (Auslandsreise Krankenversicherung)

100% reimbursement of proven costs for medically necessary outpatient and inpatient treatment abroad due to illness or accident, including doctor/dentist consultations, operations, and prescribed medicines; the tariff states full (100%) cost reimbursement without a stated fixed maximum sum.

Emergency medical consultations and treatment abroad, including emergency ambulance/rescue services to the nearest suitable hospital or emergency doctor, are reimbursed at 100% of proven costs.

100% reimbursement of costs for medically necessary inpatient treatment abroad, including accommodation and meals; if another payer covers part of the hospital costs, a daily hospital allowance of up to €30/day is paid in addition to the remaining reimbursable costs; alternatively, a flat €30/day allowance can be chosen instead of any cost reimbursement.

100% reimbursement of costs for outpatient consultations and treatment by doctors, dentists, alternative practitioners, osteopaths and chiropractors abroad, plus prescribed medicines, remedies and aids first required during the trip.

Covers pain-relieving dental treatment, simple fillings, provisional dentures and denture repairs; excludes new dentures, crowns and inlays.

Covers medically necessary transport (ambulance, rescue vehicle, helicopter) to the nearest suitable hospital or emergency doctor after an accident or emergency; if transport is by other means (e.g. taxi) instead of a rescue service, reimbursement is capped at €30 total per insured event.

Covers a medically sensible and justifiable repatriation transport back to Germany, e.g. when inpatient treatment abroad is expected to exceed 14 days or when local treatment costs would exceed transport costs; costs for a medically necessary accompanying person are also covered.

In the event of death abroad, costs for burial at the place of death or repatriation of the body to the last permanent residence are reimbursed.

Covers search, rescue or recovery costs from organized rescue services following an accident, provided inpatient treatment follows immediately afterwards. The limit is €10,000 per insured person and case under both the annual tariff (AKD-16) and the single-trip tariff (AKE-16).

COVID-19 treatment is not listed as a separate benefit; related illness treatment abroad is covered under the general medical expenses benefit, with no dedicated COVID-19 clause in the tariff or terms.

Treatment is excluded if, before the trip, it was already established due to a diagnosed illness that treatment would foreseeably be needed during the planned trip (unless the trip was undertaken due to the death of a spouse/partner or first-degree relative). However, unexpected deterioration of a chronic illness during the trip is covered.

No specific winter sports clause, inclusion or exclusion is stated in the tariff or terms provided.

No specific adventure/extreme sports clause is stated in the tariff or terms provided.

Medically necessary treatment of pregnancy complications, including premature births, emergency terminations and miscarriages, is an insured event; normal pregnancy and childbirth themselves, and postpartum illnesses, are excluded.

Personal liability cover is not part of this travel health tariff and is not mentioned in the provided terms or tariff documents.

Legal assistance cover is not part of this travel health tariff and is not mentioned in the provided terms or tariff documents.