Pending review

Ostfriesische Landschaftliche Brandkasse Travel insurance (Akd16 Auslandsreise Krankenversicherung)

Underwritten by Union Krankenversicherung Aktiengesellschaft · Germany

travel insurance from Ostfriesische Landschaftliche Brandkasse for the Germany market, with 24/7 assistance.

Verified Aug 28, 2026 · Terms dated 2024-01-01Sources

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Key facts

Ostfriesische Landschaftliche Brandkasse

Unique selling points

Covers multiple trips of up to 56 days each within a single year under one annual policy, without a deductible.

Free choice of doctor, dentist, alternative practitioner or physiotherapist among providers recognized in the destination country.

A worldwide 24-hour emergency hotline organizes repatriation, hospital visits and provides medical interpretation during the trip.

Several persons can be insured under one contract, arranged through a local branch or Sparkasse adviser.

Coverage limits

Medical expenses abroad

Not established from the insurer's documents

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.

Third-party source, not the insurer's documentClause 7.1Page 1

Section: 7. Welche Versicherungsleistungen werden erbracht ?

Erstattet werden die Aufwendungen für: a) Beratungen und Behandlungen durch Ärzte und Zahnärzte, einschließlich Operationen und Operationsnebenkosten

Emergency medical treatment

Not established from the insurer's documents

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.

Third-party source, not the insurer's documentClause 6Page 1

Section: 6. Was ist ein Versicherungsfall ?

Versicherungsfall ist a) die medizinisch notwendige Heilbehandlung einer versicherten Person wegen Krankheit oder Unfallfolgen

Covered

Hospitalization (inpatient treatment)

Covered

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 is paid in addition to the remaining reimbursable costs; a flat 30 EUR/day allowance can alternatively be chosen instead of cost reimbursement.

Clause 7.5Page 2

Section: 7. Welche Versicherungsleistungen werden erbracht?

zahlt der Versicherer neben den verbleibenden erstattungsfähigen Restkosten ein Krankenhaustagegeld.

Outpatient treatment

Not established from the insurer's documents

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

Third-party source, not the insurer's documentClause 7.4Page 2

Section: 7. Welche Versicherungsleistungen werden erbracht ?

Der versicherten Person steht die Wahl unter den im Ausland zur Heilbehandlung zugelassenen Ärzten, Zahnärzten, Heilpraktikern, Physiotherapeuten, Chiropraktikern, Psychotherapeuten, psychologischen Psychotherapeuten oder Kinder- und Jugendlichenpsychotherapeuten frei.

Emergency dental treatment

Not established from the insurer's documents

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

Third-party source, not the insurer's documentClause 7.1.jPage 1

Section: 7. Welche Versicherungsleistungen werden erbracht ?

schmerzstillende Zahnbehandlung durch Zahnärzte und die damit in Verbindung stehenden notwendigen Zahnfüllungen in einfacher Ausführung, die Anfertigung von provisorischem Zahnersatz, sowie Reparaturen von Prothesen (nicht jedoch Neuanfertigung von Zahnersatz, Kronen und Inlays)

Emergency medical transport

Not established from the insurer's documents

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.

Third-party source, not the insurer's documentClause 7.1.hPage 1

Section: 7. Welche Versicherungsleistungen werden erbracht ?

Erfolgt die Fahrt nicht durch einen Rettungsdienst (z.B. Taxi), ist die Leistung auf einen Rechnungsbetrag von insgesamt 30 Euro je Versicherungsfall begrenzt

Medical repatriation / evacuation

Not established from the insurer's documents

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.

Third-party source, not the insurer's documentClause 7.2Page 2

Section: 7. Welche Versicherungsleistungen werden erbracht ?

der Rücktransport medizinisch sinnvoll und vertretbar ist. Dies ist beispielsweise dann der Fall, wenn eine stationäre Behandlung voraussichtlich länger als 14 Tage dauert oder die voraussichtlichen Kosten der Heilbehandlung im Ausland die Kosten des Rücktransports übersteigen würden

Repatriation of remains

Not established from the insurer's documents

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.

Third-party source, not the insurer's documentClause 7.3Page 2

Section: 7. Welche Versicherungsleistungen werden erbracht ?

Beim Tode der versicherten Person werden die Kosten der Bestattung am Sterbeort oder der Überführung an deren letzten ständigen Wohnsitz erstattet.

Covered

Search, rescue and recovery costs

€10K

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 10,000 EUR per insured person per insured event.

Clause 7.1.iPage 1

Section: 7. Welche Versicherungsleistungen werden erbracht?

Diese Leistungen sind begrenzt auf maximal 10.000 Euro je versicherte Person und Versicherungsfall.

COVID-19 treatment

Not established from the insurer's documents

Not addressed in the reviewed tariff/AVB documents.

Third-party source, not the insurer's document

Pre-existing conditions

Not established from the insurer's 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.

Third-party source, not the insurer's documentClause 8.1.aPage 2

Section: 8. In welchen Fällen besteht kein Versicherungsschutz ?

Behandlungen, von denen bei Reiseantritt aufgrund einer bereits diagnostizierten Erkrankung feststand, dass sie bei planmäßiger Durchführung der Reise stattfinden mussten... Unerwartete Verschlechterungen des Gesundheitszustandes bei chronischen Erkrankungen sind hingegen versichert

Winter sports cover

Not established from the insurer's documents

Not addressed in the reviewed tariff/AVB documents.

Third-party source, not the insurer's document

Adventure sports cover

Not established from the insurer's documents

Not addressed in the reviewed tariff/AVB documents.

Third-party source, not the insurer's document

Pregnancy complications

Not established from the insurer's 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.

Third-party source, not the insurer's documentClause 6.bPage 1

Section: 6. Was ist ein Versicherungsfall ?

die medizinisch notwendige Behandlung von Schwangerschaftskomplikationen einschließlich Frühgeburten, notfallbedingten Schwangerschaftsabbrüchen und Fehlgeburten

Personal liability

Not established from the insurer's documents

Not addressed in the reviewed tariff/AVB documents.

Third-party source, not the insurer's document

Legal assistance

Not established from the insurer's documents

Not addressed in the reviewed tariff/AVB documents.

Third-party source, not the insurer's document

24/7 emergency assistance

Not established from the insurer's 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.

Third-party source, not the insurer's documentClause 10Page 2

Section: 10. Welche Gesundheits-Assistance-Leistungen werden erbracht ?

Wenden Sie sich in diesen Fällen umgehend an unseren 24-Stunden Notrufservice, den Sie nahezu weltweit sieben Tage die Woche erreichen

Key conditions

Assistance call deadline

The tariff instructs insured persons to contact the 24-hour emergency hotline immediately if hospitalization or repatriation becomes necessary; no specific hour-based deadline is stated.

Unauthorized treatment

If repatriation is organized without involving the insurer or the emergency hotline, benefits are limited to the costs that would have been incurred had the insurer/hotline organized it. More generally, if treatment exceeds the medically necessary scope or fees are unreasonable for the destination country, the insurer may reduce benefits to a reasonable amount.

Purchase while abroad

Contracts concluded only after the start of a trip abroad provide coverage only from the start of a new trip; the current trip already underway is not covered retroactively.

Chronic conditions

Unexpected deterioration of chronic conditions during the trip is covered; however, treatment that was already foreseeably necessary at the start of the trip due to a previously diagnosed condition is excluded.

Pregnancy

Costs for normal pregnancy, elective terminations, deliveries and postpartum illnesses are excluded, except for medically necessary treatment of pregnancy complications, premature births, emergency-related terminations and miscarriages, which are covered insured events.

Pre-existing condition exclusions

Treatment is excluded if it was already certain at the start of the trip that it would be needed as planned, due to a pre-existing diagnosed condition, unless the trip was undertaken due to the death of a spouse/partner or first-degree relative.

Coverage duration limit

Under tariff AKD-16, cover applies per trip abroad for a maximum of 56 days from the start of the trip, within an annually renewing policy; a separate single-trip tariff (AKE-16) is available for longer trips of up to 365 days.

Direct payment

In standard cases, the insured person pays treatment costs upfront and is reimbursed afterwards by the insurer; in exceptional cases direct billing to the insurer is possible and the 24-hour hotline can advise on direct payment options.

Territorial scope

Coverage applies abroad; the Federal Republic of Germany does not count as abroad

Documents

General Terms and Conditions for Travel Health Insurance (AVB/AK-16) (opens in a new tab)

Terms & conditions · PDF

Tariff AKD-16 Travel Health Insurance (opens in a new tab)

Terms & conditions · PDF

Policy specifics

Medical expenses abroad

Coverage for medically necessary treatment and care abroad

Source

Section: Auslandsreise-Krankenversicherung

Ambulante und statitionäre Absicherung

Medical repatriation

Cost coverage for medically necessary and reasonable repatriation to home country

Source

Outpatient and inpatient care

Coverage for both outpatient doctor visits and inpatient hospital treatment abroad

Source

Section: Leistungsumfang: Das sichert Ihre neue Auslandsreisekrankenversicherung ab > Behandlung

Ambulante Behandlungen (inkl. freier Arztwahl) Stationäre Aufenthalte

Medication coverage

Coverage for medically prescribed medications and medical supplies

Source

Section: Leistungsumfang: Das sichert Ihre neue Auslandsreisekrankenversicherung für Familien ab > Behandlung

Arzneimittel, Heilmittel und Hilfsmittel

24-hour emergency hotline

Round-the-clock emergency assistance service available worldwide during travel

Source

Section: Auslandsreise-Krankenversicherung

24-Stunden-Notruf-Service

Maximum trip duration per journey

Standard policies cover individual trips of up to 56 days duration

Source

Policy duration types

Two tariff options available: AKD annual policy (covers all trips within one year, max 56 days each) and AKE single-trip policy

Source

Payment and reimbursement model

In standard cases, insured person pays treatment costs upfront and is reimbursed afterwards by the insurer

Source

In der Regel strecken Sie die Kosten vor, wir erstatten sie Ihnen nachträglich. In Ausnahmefällen bezahlen wir Rechnungen auch direkt.

Geographic coverage

Coverage applies worldwide, excluding Germany

SourceClause 4Page 1

Section: 4. Wo besteht der Versicherungsschutz?

Der Versicherungsschutz erstreckt sich auf das Ausland. Nicht als Ausland gilt die Bundesrepublik Deutschland.

Eligible persons

Only persons with permanent residence in Germany are eligible for coverage

Source

Policy conclusion deadline

Insurance can be concluded at any time, including on the day of departure (last-minute booking possible)

Source

Section: Fragen und Antworten zur Auslandsreisekrankenversicherung

Treffen Sie in aller Ruhe Ihre Entscheidung, denn ein Abschluss der Auslandskrankenversicherung ist bis zum Abreisetag möglich – Sie können auch direkt online abschließen.