DBV Deutsche Beamtenversicherung (branches of AXA Versicherung AG, AXA Lebensversicherung AG and AXA Krankenversicherung AG)
DBV
DBV is a travel insurance for the Germany market with online purchase and 24/7 assistance.
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.
Geographic scope
Worldwide
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.
Starting price
€8
Indicative — pricing assumptions not stated
Unique selling points
- Coverage starts from just €7.92 per person per year, one of the lowest entry prices in the German market.
- 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.
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.
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.
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.
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.
Medical return transport
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.
Medical transport to nearest hospital
Covered
Covers transport costs to the nearest suitable hospital when inpatient treatment is medically necessary; the T&Cs do not define a separate 'evacuation' concept distinct from this transport and the return-transport provision.
Repatriation of remains / burial abroad
€10,000
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.
Search and rescue
No limit stated
Not addressed in the verified sources for this product.
COVID-19 treatment
No limit stated
Not separately addressed in the verified official sources for this product.
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.
Winter sports cover
No limit stated
Not addressed in the verified official sources for this product.
Adventure sports cover
No limit stated
Not addressed in the verified official sources for this product.
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.
Personal liability
No limit stated
Not addressed in the verified official sources for this product.
Legal assistance
No limit stated
Not addressed in the verified official sources for this product.
24/7 assistance service
Covered
AXA's service team is reachable around the clock, wherever the insured person is travelling.
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.
Documents
singleTRAVEL Terms and Conditions (VG082)
Terms & conditions
Policy specifics
Worldwide coverage scope
Coverage applies worldwide with specific exclusions for NAFTA countries (USA, Canada, Mexico) depending on tariff variant
SourceRepatriation guarantee beyond standard period
Coverage extends beyond 56 days if return journey would endanger health, includes medical transport costs
SourceWhat 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 reachableNo deductible/excess
Policy includes 100% cost reimbursement without deductible for covered services
SourcePrivate patient treatment status
Insured person receives treatment as private patient in hospitals and medical facilities abroad
SourceNo health underwriting required
Policy can be purchased online without completing health questionnaire
SourceDental treatment without limit
Covers pain-relieving dental treatments and emergency repairs to dental prosthetics without maximum amount
SourceDental 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 reachable