East Frisian Regional Fire Insurance Fund (Ostfriesische Landschaftliche Brandkasse)

Reimbursement of medically necessary treatment costs abroad for illness or accident, including doctor/dentist consultations, medication, remedies and aids, without a stated overall monetary cap.

An insured event is the medically necessary treatment of an insured person due to illness or the consequences of an accident occurring during a temporary trip abroad.

Covers accommodation and meals during inpatient treatment abroad (plus companion costs for a minor child). If another payer covers part of the cost, a daily hospital allowance of up to 30 EUR/day applies instead; a flat 30 EUR/day allowance can alternatively be chosen instead of cost reimbursement.

Covers consultations and treatment by doctors, dentists, alternative practitioners, osteopaths and chiropractors, plus prescribed medication and supplies, with free choice of doctor abroad.

Covers pain-relieving dental treatment, simple fillings, provisional dentures and repair of prostheses; new dentures, crowns and inlays are excluded.

Covers ambulance/rescue transport to the nearest suitable hospital or emergency doctor after an accident or emergency, and medically necessary transfer to another hospital. If transport is not via a rescue service (e.g. taxi), reimbursement is capped at 30 EUR total per insured event.

Covers costs of a medically sensible and reasonable repatriation to the permanent residence (e.g. if inpatient treatment abroad would exceed 14 days or treatment costs would exceed transport costs), plus a medically necessary accompanying person, provided the transport is organized by the insurer or the emergency hotline.

In case of death of the insured person, the costs of burial at the place of death or of transporting the remains to their last permanent residence are reimbursed.

Search, rescue or recovery costs of publicly or privately organized rescue services following an accident, where inpatient treatment immediately follows, are covered up to a maximum of 2,500 EUR per insured person per insured event.

Not addressed in the reviewed tariff/AVB documents.

Treatment is excluded if, at the start of the trip, it was already certain (due to a diagnosed condition) that treatment would be needed during the trip as planned; however, unexpected deterioration of chronic illnesses is covered.

Not addressed in the reviewed tariff/AVB documents.

Not addressed in the reviewed tariff/AVB documents.

An insured event includes medically necessary treatment of pregnancy complications, including premature births, emergency-related terminations, and miscarriages. Normal pregnancy, planned terminations, ordinary childbirth and postpartum illness costs are excluded except for these specifically listed complication cases.

Not addressed in the reviewed tariff/AVB documents.

Not addressed in the reviewed tariff/AVB documents.

A 24-hour emergency hotline reachable nearly worldwide seven days a week provides pre-trip medical destination advice, doctor/hospital location assistance, organization of repatriation or hospital visits, and medical interpretation during the trip.