BGV Badische Versicherungen (Badischer Gemeinde-Versicherungs-Verband, a public-law corporation, together with its subsidiary BGV-Versicherung Aktiengesellschaft)
BGV
BGV is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
Policyholders generally pay medical costs upfront abroad and submit original invoices for reimbursement afterwards; the insurer's 24-hour emergency call service can, in appropriate cases, arrange direct cost-coverage guarantees with hospitals so the insured does not have to advance money for inpatient treatment or repatriation.
Geographic scope
Worldwide (outside Germany)
Coverage applies to travel abroad; the Federal Republic of Germany itself is not considered 'abroad' and is not covered.
Starting price
€12
Indicative — pricing assumptions not stated
Unique selling points
- 100% reimbursement of medical costs abroad with no deductible, covering outpatient and inpatient treatment, doctors, dentists, and alternative practitioners.
- Choice between an annual multi-trip tariff (AKD-16, up to 56 days per trip) and a single continuous-trip tariff (AKE-16, up to 365 days), so cover matches the customer's travel pattern.
- Included 'Medical Protect plus' package of five extra assistance services (travel-health info line, digital doctor video consultations, cashless outpatient treatment via partner doctors, inpatient hotline, repatriation assistant) at no extra cost.
- Low entry-level annual premium starting at just €11.50 per person for year-round multi-trip protection.
- 24-hour, nearly worldwide emergency call service that arranges hospital admission, cost-coverage guarantees and medically necessary repatriation transport.
Coverage limits
Medical expenses
Covered
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 treatment
Covered
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.
Hospitalization
Covered
100% reimbursement of costs for medically necessary inpatient treatment abroad, including accommodation and meals; if another payer covers part of the hospital costs, an alternative daily hospital benefit (Krankenhaustagegeld) of up to €30/day can be claimed instead of full reimbursement.
Outpatient treatment
Covered
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.
Emergency dental treatment
Covered
Covers pain-relieving dental treatment, simple fillings, provisional dentures and denture repairs; excludes new dentures, crowns and inlays.
Local medical transport
Covered
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.
Medically necessary repatriation transport
Covered
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.
Repatriation of remains / burial abroad
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.
Search, rescue and recovery costs
€2,500 – €10,000
Covers search, rescue or recovery costs from organized rescue services following an accident, provided inpatient treatment follows immediately afterwards. The limit is €2,500 per insured person and case under the annual tariff (AKD-16) and €10,000 per insured person and case under the single-trip tariff (AKE-16).
COVID-19 treatment
No limit stated
No specific mention of COVID-19 treatment was found in the tariff or terms; illness treatment abroad generally falls under the general medical expenses cover, but no dedicated COVID-19 clause is stated.
Pre-existing conditions
Conditional
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.
Winter sports cover
No limit stated
No specific winter sports clause, inclusion or exclusion is stated in the tariff or terms provided.
Adventure sports cover
No limit stated
No specific adventure/extreme sports clause is stated in the tariff or terms provided.
Pregnancy complications
Covered
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
No limit stated
Personal liability cover is not part of this travel health tariff and is not mentioned in the provided terms or tariff documents.
Legal assistance
No limit stated
Legal assistance cover is not part of this travel health tariff and is not mentioned in the provided terms or tariff documents.
24/7 emergency assistance
Covered
A worldwide 24-hour, 7-days-a-week emergency call service provides doctor/hospital referrals, arranges medically necessary repatriation transport, gives medical travel advice before and during the trip, and coordinates cost-coverage for hospital treatment or repatriation.
Key conditions
Assistance call deadline
If hospital treatment or a repatriation transport becomes necessary, the insured should contact the 24-hour emergency call service beforehand so that cost coverage can be organized; the emergency line is reachable nearly worldwide, seven days a week.
Unauthorized treatment
If a repatriation transport is organized without involving the insurer or its emergency call service, benefits are limited to the costs that would have been incurred had the insurer or the emergency service organized it.
Purchase while abroad
The insurance contract must be concluded before the trip begins. For contracts concluded after a trip has already started, coverage only begins with the start of a new trip.
Chronic conditions
Unexpected deterioration of a chronic illness during the trip is covered; however, treatment that was already foreseeable and planned before departure due to a previously diagnosed condition is excluded.
Pregnancy
Medically necessary treatment of pregnancy complications (including premature birth, emergency termination, miscarriage) is covered; normal pregnancy, childbirth and postpartum illnesses are excluded from cover.
Pre-existing condition exclusions
Treatment is not covered if it was already foreseeable before the trip, based on a previously diagnosed illness, that treatment would be needed during the planned trip, unless the trip was made due to the death of a spouse/partner or first-degree relative.
Coverage duration limit
Under the annual tariff (AKD-16), each individual trip is covered for a maximum of 56 days; under the single-trip tariff (AKE-16), one continuous trip is covered for a maximum of 365 days.
Policy specifics
Medical treatment coverage
Full cost reimbursement for ambulatory and inpatient medical treatment due to illness or accident abroad
SourceMedical repatriation
Costs for medically necessary return transport to home country in case of serious illness or injury
Source24-hour emergency service
Round-the-clock emergency hotline and assistance during medical emergencies abroad
SourcePharmaceutical coverage
Reimbursement for prescription medicines and medical supplies required during treatment
SourceMaximum trip duration (annual policy)
Annual policy (AKD-16) covers each trip with a maximum duration of 56 days
SourceMaximum trip duration (single-trip policy)
Single-trip policy (AKE-16) covers one trip with a maximum duration of 365 days
SourceContract conclusion timing
Insurance contract must be concluded before departure; can be concluded up to the departure day
SourceGeographic scope
Coverage applies to all countries outside Germany; some tariffs may exclude specific regions (NAFTA states, etc.)
SourceReimbursement method
Policyholder typically advances costs and receives reimbursement; direct settlement possible in exceptional cases
SourceAge-based pricing
Insurance premiums vary based on age; different rates for persons up to 64 years and persons 65+
SourceNo waiting periods
Coverage takes effect immediately upon contract conclusion without waiting periods or health examinations
SourceSources
- https://micro.ukv.de/content/_micro/aoksan/aoksan-ausland-einzel/
- https://www.bgv.de/privatkunden/produkte/freizeit/reise/auslandskrankenversicherung/
- https://www.bgv.de/privatkunden/versicherungen/gesundheit/auslandskrankenversicherung/
- https://www.ukv.de/content/reiseversicherungen/auslandsreisekranken/urlaubsreisen/
- https://www.ukv.de/content/reiseversicherungen/auslandsreisekranken/urlaubsreisen/ake/
- https://www.ukv.de/v/reiseversicherungen/auslandsreisekranken-urlaubsreisen.html