DBV Travel insurance (Single Travel)
Underwritten by AXA Krankenversicherung AG · Germany
travel insurance from DBV for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2025-09Sources
Key facts
- DBV
- Starting price: €7.92per yearAs published by the insurer — it does not say who the price is for
Unique selling points
Annual cover from €7.92 per person per year.
No deductible: covered treatments are reimbursed at 100% of costs.
No health questions are required, allowing a fast online purchase even shortly before departure.
A 24/7 service team is reachable worldwide regardless of time zone or destination.
Treatment abroad, both outpatient and inpatient, is provided with private-patient status.
Coverage limits
Medical expenses abroad
Covered
100% reimbursement of medically necessary outpatient and inpatient treatment costs abroad due to illness or accident; no monetary limit is stated in the T&Cs.
Section: 1.2 Leistungsumfang > 1.2.1
Erstattet werden die Aufwendungen für ambulante ärztliche Behandlung und, soweit am Aufenthaltsort der versicherten Person kein geeigneter Arzt praktiziert, entweder
Outpatient emergency medical treatment
Covered
Reimburses outpatient medical treatment as a private patient, including prescribed medicines, plus doctor call-out fees or taxi costs to the nearest suitable doctor where none is locally available.
Section: 1.2.1
a) das vom Arzt für einen Arztbesuch berechnete Wegegeld, oder b) die Vergütung für eine Taxifahrt zum nächstgelegenen geeigneten Arzt.
Hospital / inpatient treatment
Covered
Covers hospital treatment (including surgery) as a private patient and transport costs to the nearest suitable hospital; no monetary cap is stated.
Section: 1.2.1
Erstattet werden die Aufwendungen für Behandlungen im Krankenhaus und Transportkosten zum nächstgelegenen geeigneten Krankenhaus.
Outpatient treatment
Covered
Reimburses outpatient physician treatment, prescribed medicines and bandages, remedies (baths, massages, physiotherapy, irradiation) and first-time simple aids needed during the stay abroad.
Section: 1.2.1
Erstattet werden die Aufwendungen für im Folgenden genannte Heilmittel: - Bäder - Massagen - medizinische Packungen - Inhalationen - Heil-/ Krankengymnastik - Bestrahlungen und andere Anwendungen elektrischen Stroms
Emergency dental treatment
Covered
Covers pain-relieving dental treatment and simple fillings (amalgam), plus emergency repairs to dentures, temporary dentures and crowns to restore chewing function; no monetary cap is stated in the T&Cs.
Section: 1.2.1
Erstattet werden die Aufwendungen für schmerzstillende Zahnbehandlung und Zahnfüllungen in einfacher Ausfertigung (Amalgamfüllungen). Erstattet werden auch die Aufwendungen für die Instandsetzung von Zahnersatz, provisorischem Zahnersatz und Kronen zur Wiederherstellung der Kaufähigkeit.
Medical transport to nearest hospital
Covered
Covers transport costs to the nearest suitable hospital when inpatient treatment is medically necessary.
Section: 1.2.1
Erstattet werden die Aufwendungen für Behandlungen im Krankenhaus und Transportkosten zum nächstgelegenen geeigneten Krankenhaus.
Medical repatriation to Germany
Covered
Reimburses the cost of a medically sensible and justifiable return transport of the insured person to their domicile or the nearest suitable hospital, using the most cost-effective means of transport; AXA can organize this on request.
Section: 1.2.2
Erstattet werden die Aufwendungen für einen medizinisch sinnvollen und vertretbaren Rücktransport der versicherten Person entweder, a) an den Wohnsitz der versicherten Person, oder b) in das dem Wohnsitz der versicherten Person nächstgelegene geeignete Krankenhaus.
Repatriation of remains / burial abroad
€10K
Reimburses the cost of transporting the deceased insured person to their last domicile without a stated cap, or alternatively the cost of burial at the place of death abroad up to a maximum of 10,000 EUR.
Section: 1.2.3
die Bestattung einer versicherten Person an deren Aufenthaltsort im Ausland bis maximal 10.000 Euro.
Search and rescue
No limit stated
No separate search-and-rescue benefit is included in this tariff.
COVID-19 treatment
No limit stated
No COVID-19-specific rule is stated; such illness is covered like any other illness under the general treatment provisions.
Pre-existing conditions
Conditional
No benefit is payable for illnesses and accident sequelae for which the trip abroad was undertaken, or for treatments known at the start of the trip to be required if the trip proceeded as planned (unless the trip was made due to the death of a spouse or first-degree relative). New or acutely worsening conditions arising during the trip are covered.
Section: 1.2.6
Krankheiten und Unfallfolgen, zu deren Behandlung die Auslandsreise erfolgt ist. Keine Leistungspflicht besteht ebenfalls für Behandlungen, bei denen bei Reiseantritt der versicherten Person bekannt war, dass sie bei planmäßiger Durchführung der Reise stattfinden mussten. Dies gilt nicht, wenn die Reise wegen des Todes des Ehegatten oder eines Verwandten ersten Grades unternommen wurde;
Winter sports cover
No limit stated
No sport-specific exclusion for winter sports; resulting accidents are covered like any other accident.
Adventure sports cover
No limit stated
No sport-specific exclusion for adventure sports; resulting accidents are covered like any other accident.
Pregnancy complications
Covered
Illnesses covered explicitly include pregnancy discomforts and complications, premature or miscarriages, and medically necessary termination of pregnancy; routine pregnancy check-ups and delivery itself are excluded.
Section: 1.1.1
Krankheiten sind auch Schwangerschaftsbeschwerden und -komplikationen, Früh- oder Fehlgeburten sowie medizinisch notwendige Abbrüche einer Schwangerschaft.
24/7 assistance service
Covered
AXA's service team is reachable around the clock, wherever the insured person is travelling.
Section: Auslandskrankenversicherung Gesundheit im Ausland absichern – weltweit, schon ab 7,92 € im Jahr
Erreichbar von überall. Unser Serviceteam ist rund um die Uhr für Sie da
Key conditions
Assistance call deadline
No specific hourly call-in deadline is stated; however, the start and end of each trip abroad, and any inpatient hospital treatment, must be reported to the insurer on request or within 10 days of admission.
Unauthorized treatment
If contractual behavioural obligations are intentionally breached, the insurer is fully or partly released from its duty to pay; in cases of gross negligence, the benefit may be reduced proportionally to the severity of fault.
Purchase while abroad
Trips are excluded from cover if the outbound journey had already begun before the contract was concluded; no benefit is paid for insured events that occurred before coverage started.
Chronic conditions
Chronic conditions are not separately named; the general exclusion applies to illnesses for which the trip was undertaken or that were known at departure to require treatment during the planned trip.
Pregnancy
Pregnancy discomforts, complications, premature/miscarriages and medically necessary termination are treated as covered illnesses, but routine antenatal check-ups and the delivery itself are excluded.
Pre-existing condition exclusions
No benefit is paid for illnesses for which the trip was undertaken, or treatments known at departure to be necessary during the planned trip, unless the trip resulted from the death of a spouse or first-degree relative.
Coverage duration limit
Coverage applies to the first 56 days (8 weeks) of each individual trip abroad under the annual policy; if the return journey is not medically possible by then, cover extends until the insured person is fit to travel again. A separate long-stay variant advertised on the DBV website covers trips of up to 365 days.
Direct payment
Costs are reimbursed against original invoices submitted after treatment; medically necessary and justifiable return transport can be organized and arranged directly by AXA at the policyholder's request.
Territorial scope
Coverage applies abroad. Germany never counts as 'abroad' regardless of domicile; the country where the insured person carries out their regular occupation and the country to which the insured person relocates after conclusion of the contract also do not count as abroad.
Documents
Policy specifics
Maximum trip duration
Coverage for trips up to 56 days per trip within annual policy period
SourceSection: Auslandskrankenversicherung Ihr Schutz im Ausland für unbeschwertes Verreisen
Absicherung für jede Auslandsreise bis zu 56 bzw. 365 Tage (je nach Tarif)
Repatriation guarantee beyond standard period
Coverage extends beyond 56 days if return journey would endanger health, includes medical transport costs
SourceSection: Auslandskrankenversicherung Gesundheit im Ausland absichern – weltweit, schon ab 7,92 € im Jahr
Leistungsgarantie - auch über 56 Tage hinaus -, wenn die Rückreise ohne Gefährdung der Gesundheit nicht möglich ist
What counts as 'abroad'
Germany never counts as abroad regardless of domicile; the country of the insured person's regular occupation and the country to which the insured person relocates after the contract is concluded also do not count as abroad.
SourceSource no longer reachableClause 1.1.1Page Seite 1 von 5Section: 1.1.1
Deutschland gilt unabhängig vom Wohnsitz nicht als Ausland. Als Ausland gilt auch nicht das Land, in dem die versicherte Person ihrer ständigen Berufsausübung nachgeht. Ebenfalls nicht als Ausland gilt der Staat, in den die versicherte Person nach Abschluss des Vertrages ihren Wohnsitz verlegt.
No deductible/excess
Policy includes 100% cost reimbursement without deductible for covered services
SourceSection: Auslandskrankenversicherung Ihr Schutz im Ausland für unbeschwertes Verreisen
Schon ab 7,92 € im Jahr 100% rundum abgesichert bei jeder Auslandsreise
Private patient treatment status
Insured person receives treatment as private patient in hospitals and medical facilities abroad
SourceSection: Auslandskrankenversicherung Gesundheit im Ausland absichern – weltweit, schon ab 7,92 € im Jahr
Ambulante Heilbehandlung als Privatpatient inkl. verordneter Medikamente
No health underwriting required
Policy can be purchased online without completing health questionnaire
SourceSection: Auslandskrankenversicherung Gesundheit im Ausland absichern – weltweit, schon ab 7,92 € im Jahr
Einfach online abschließen. Keine Gesundheitsfragen. Kein Selbstbehalt
Dental treatment with no stated monetary limit
Covers pain-relieving dental treatment, simple fillings, and emergency repairs to dentures/temporary dentures/crowns, without a monetary cap stated in the T&Cs.
SourceSource no longer reachableClause 1.2.1Page Seite 2 von 5Section: 1.2.1
Erstattet werden die Aufwendungen für schmerzstillende Zahnbehandlung und Zahnfüllungen in einfacher Ausfertigung (Amalgamfüllungen). Erstattet werden auch die Aufwendungen für die Instandsetzung von Zahnersatz, provisorischem Zahnersatz und Kronen zur Wiederherstellung der Kaufähigkeit.
Sources
- acio.dehttps://www.acio.de/download/reisekrankenversicherung/axa_singletravel.pdf#page=1(opens in a new tab)Source no longer reachable
- acio.dehttps://www.acio.de/download/reisekrankenversicherung/axa_singletravel.pdf#page=2(opens in a new tab)Source no longer reachable
- acio.dehttps://www.acio.de/download/reisekrankenversicherung/axa_singletravel.pdf#page=3(opens in a new tab)Source no longer reachable
- axa.dehttps://www.axa.de/pk/gesundheit/p/auslandskrankenversicherung(opens in a new tab)
- dbv.dehttps://www.dbv.de/krankenversicherung/p/auslandskrankenversicherung(opens in a new tab)
DBV Travel insurance