Concordia Versicherungs-Gesellschaft auf Gegenseitigkeit
Concordia
Concordia is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
For outpatient and dental treatment the insured must pay bills locally themselves and submit original invoices to Concordia after the trip for reimbursement. For inpatient hospital treatment, the insured must notify Concordia's 24/7 assistance hotline within 48 hours; Concordia's assistance centre then issues a cost-guarantee (Kostenübernahmeerklärung) directly to the foreign hospital.
Geographic scope
Worldwide, outside Germany
Coverage applies to travel outside Germany and outside the insured person's country of permanent residence or habitual abode; the territory of the Federal Republic of Germany never counts as 'abroad'.
Starting price
€12
Indicative — pricing assumptions not stated
Unique selling points
- Unlimited number of trips per policy year, each covered for up to 6 weeks, for a premium starting at just €12 per person per year.
- Reimburses invoices in full even where the treating doctor charges above German statutory fee schedule (GOÄ) rates.
- Pays independently of the terms of the insured's existing private health insurance, which can help preserve a private policyholder's premium refund (Beitragsrückerstattung).
- 24-hour assistance hotline staffed 365 days a year in over 30 foreign languages for medical emergencies abroad.
- Covers medically necessary repatriation transport and death-related repatriation/burial costs, which statutory health insurers never pay for.
Coverage limits
Overall medical expenses
Covered
No limit stated
Reimbursement of medically necessary outpatient, inpatient and dental treatment costs abroad; the AVB does not state an overall aggregate cap.
Emergency medical treatment
Covered
Costs of medically necessary treatment of illness or accident consequences are reimbursed, including emergency transport to the nearest suitable doctor.
Inpatient hospital treatment
Covered
Covers medically necessary hospital treatment, operations, nursing, accommodation and meals in hospital, and transport to the nearest suitable hospital; a cost-guarantee is issued directly to the hospital via the assistance hotline.
Outpatient treatment
Covered
Reimburses medically necessary ambulatory treatment including X-ray diagnostics, plus necessary medicines, dressings, remedial treatments (physiotherapy etc.) and simple aids on prescription.
Emergency dental treatment
Covered
Covers pain-relieving dental treatment, simple fillings, temporary dentures (Provisorien) and repairs of inlays/dentures to restore chewing ability; new dentures and orthodontic treatment are explicitly excluded.
Local medical transport
Covered
Covers necessary emergency transport to the nearest suitable doctor or hospital, and any subsequent transfer transport, in the destination country.
Medical repatriation transport
Covered
Covers the necessary costs of transporting the insured person back to their permanent residence in Germany, or to the nearest suitable hospital in Germany, when medically sensible and justifiable, or if hospitalisation abroad would exceed two weeks, or if repatriation is cheaper than further treatment abroad.
Repatriation of remains / burial abroad
Covered
If the insured person dies, Concordia pays the necessary costs to repatriate the deceased to their permanent residence in Germany, or alternatively the costs of burial abroad, up to the amount that repatriation would have cost.
Search, rescue and recovery costs
€5,000
Reimburses up to €5,000 in total for costs incurred if the insured person must be searched for, rescued or recovered due to illness, accident or death.
COVID-19 treatment
No limit stated
Not separately addressed in the 2016 AVB/AKE and AVB/AKF terms; general illness treatment provisions would apply but COVID-19 is not named.
Pre-existing conditions
Conditional
No cover for treatment already known before departure to be necessary during the trip; however, if a pre-existing illness worsens during the trip, the additionally required treatment is covered.
Winter sports accident cover
Covered
No separate winter sports clause exists; recreational sports accidents (e.g. skiing) fall under the general accident/illness cover. Cover is excluded only where the insured is a professional athlete injured while actively competing.
Adventure/leisure sports accident cover
Covered
No separate adventure sports clause exists; leisure sports accidents fall under the general accident cover (Unfall). Cover is excluded only where the insured is a professional athlete injured while actively competing.
Pregnancy complications
Covered
Covers costs if the insured person needs examination/treatment due to pregnancy complications, suffers a miscarriage, gives birth before completing the 37th week of pregnancy, or must terminate the pregnancy for medical reasons.
Personal liability
No limit stated
This is a travel medical product; personal liability cover is not part of the AVB/AKE or AVB/AKF benefits.
Legal assistance
No limit stated
Legal assistance/legal expenses cover is not part of this travel medical product's benefits.
24/7 assistance hotline
Covered
A 24-hour emergency hotline, staffed 365 days a year in over 30 languages, provides information on doctors/hospitals, doctor-to-doctor consultations, flight-fitness checks, organisation of repatriation/burial, and notification of relatives or employer.
Key conditions
Assistance call deadline
Hospital admissions must be reported to the 24/7 assistance hotline within 48 hours; other (non-hospital) claims can simply be reported after returning from the trip.
Unauthorized treatment
Breach of contractual duties (e.g. providing required information, evidence of travel dates, submission of original invoices) can lead to full or partial loss of cover, applying the intent/gross-negligence scale of §28 VVG.
Purchase while abroad
The contract must be concluded before the trip begins; if the contract is concluded while the insured is already abroad, there is no coverage for that trip.
Chronic conditions
Treatments already known before departure to be necessary during the trip are excluded; however, additional treatment made necessary by the worsening of an existing illness during the trip is covered.
Pregnancy
Covered are pregnancy complications, miscarriage, premature birth before completion of the 37th week of pregnancy, and medically necessary termination of pregnancy.
Pre-existing condition exclusions
Pre-existing conditions known before the trip to require treatment during it are excluded, but worsening of a pre-existing condition during the trip is covered for the additionally necessary treatment.
Coverage duration limit
Coverage applies to each trip for up to 6 weeks; there is no limit on the number of trips per policy year; cover extends beyond 6 weeks only if the insured person is medically unable to travel or be transported.
Where to buy
Documents
General Terms and Conditions for Foreign Travel Health Insurance, Tariff AKE (AVB/AKE 2016)
Terms & conditions
Customer Information / IPID for Foreign Travel Health Insurance, Tariff AKE
IPID
General Terms and Conditions for Family Foreign Travel Health Insurance, Tariff AKF (AVB/AKF 2016)
Terms & conditions
Plain-language explainer ('Beipackzettel') for the Foreign Travel Health Insurance
Other document
Policy specifics
Ambulatory and hospital treatment coverage
Reimbursement for medically necessary outpatient, inpatient and dental treatments
SourceFree choice of healthcare providers
Insured persons may freely choose among licensed physicians, dentists, naturopaths, chiropractors, and osteopaths in destination countries
SourcePlanned treatment exclusion
No coverage for treatments that were planned or scheduled before trip departure
SourceRepatriation medical necessity
Repatriation is covered only when medically necessary and reasonable
SourceGeographic coverage scope
Coverage available worldwide outside Germany for up to 6 weeks per trip
Source24/7 medical assistance center
24-hour assistance hotline available for medical emergencies and information during abroad travel
SourceAnnual policy year structure
Policy operates on annual policy year basis; automatic renewal unless cancelled
Source48-hour hospital notification requirement
Hospital admissions abroad must be reported to Concordia's 24/7 assistance hotline within 48 hours so that a direct cost-guarantee can be issued to the hospital
Source