Debeka Travel insurance (Travel Medical Ar)
Underwritten by Debeka Krankenversicherungsverein a. G. · Germany
travel insurance from Debeka for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 27, 2026 · Terms dated 2026-07-01Sources
Key facts
- Debeka
- Starting price: €12per yearAs published by the insurer — it does not say who the price is for
Unique selling points
Comprehensive worldwide travel medical cover available from just €12 per year for adults and €6 per year for children.
Coverage extends automatically beyond the standard 70-day limit if the insured cannot travel home for medical reasons.
Protection applies worldwide, including in countries with no social security agreement with Germany where statutory health insurance provides no cover at all.
The policy can be concluded entirely online in just a few steps.
Coverage begins from day one with no waiting periods.
Coverage limits
Medical expenses
Covered
100% reimbursement of medically necessary outpatient and inpatient treatment costs incurred during a trip abroad; no overall monetary cap is stated in the terms.
Section: § 4 Umfang der Leistungspflicht
Wir erstatten zu 100 Prozent die während einer Auslandsreise entstandenen Kosten für:
Emergency/outpatient physician treatment
Covered
100% reimbursement of outpatient physician treatment costs incurred during the trip abroad.
Section: § 4 Umfang der Leistungspflicht > a)
ambulante ärztliche Behandlungen
Inpatient hospital treatment
Covered
100% reimbursement of inpatient hospital treatment costs including surgery, incurred abroad; free choice of hospitals meeting quality criteria.
Section: § 4 Umfang der Leistungspflicht > a)
stationäre Krankenhausbehandlungen einschließlich Operationen
Outpatient medical treatment
Covered
Covers outpatient treatment by physicians, dentists, medical practitioners (Heilpraktiker), chiropractors and osteopaths, plus prescribed medicines, dressings and radiological diagnostics.
Section: § 4 Umfang der Leistungspflicht > a)
ambulante ärztliche Behandlungen – ambulante schmerzstillende zahnärztliche Behandlungen, notwendige Füllungen und provisorischen Zahnersatz, jeweils in einfacher Ausführung, Reparatur von Prothesen – Arznei-, Verband- und Heilmittel – Strahlendiagnostik
Emergency dental treatment
Covered
Covers pain-relieving dental treatment, necessary fillings and provisional dentures in simple form, plus denture repairs; excludes new dentures, crowns and orthodontics.
Section: § 4 Umfang der Leistungspflicht > a)
ambulante schmerzstillende zahnärztliche Behandlungen, notwendige Füllungen und provisorischen Zahnersatz, jeweils in einfacher Ausführung, Reparatur von Prothesen
Medically necessary transport to first treatment
Covered
Covers costs for medically necessary transport to the nearest suitable hospital or a doctor for initial treatment, and onward transport to the nearest suitable hospital if required.
Section: § 4 Umfang der Leistungspflicht > b) Medizinisch notwendiger Krankentransport
Wir erstatten die Kosten für den medizinisch notwendigen Krankentransport zur Erstversorgung – also – zum nächsterreichbaren geeigneten Krankenhaus oder – zu einem Arzt.
Medical repatriation to home country
Conditional
Covers repatriation to the nearest suitable hospital at the insured's place of residence if repatriation is medically sensible and justifiable, cheaper than treatment abroad, or if hospitalization is expected to exceed 14 days.
Section: § 4 Umfang der Leistungspflicht > d) Rücktransport
Wir erstatten die Kosten für den Rücktransport zum nächstgelegenen geeigneten Krankenhaus am Wohnort der versicherten Person.
Repatriation of remains / burial abroad
Covered
Covers the cost of repatriating a deceased insured person, or burial abroad up to the amount a repatriation would have cost.
Section: § 4 Umfang der Leistungspflicht > e) Überführung und Bestattung
Wir erstatten die Kosten für – die Überführung einer verstorbenen versicherten Person oder – deren Bestattung im Ausland. Wird die Person im Ausland bestattet, zahlen wir höchstens so viel, wie eine Überführung gekostet hätte.
Search, rescue and recovery costs
€5K
Reimburses search, rescue and recovery costs up to 5,000 Euro arising from illness, accident or death of the insured person abroad.
Section: § 4 Umfang der Leistungspflicht > h) Such-, Rettungs- und Bergungskosten
Wir erstatten die Such-, Rettungs- und Bergungskosten bis 5.000 Euro, sofern diese aufgrund von – Erkrankung, – Unfall oder – Tod der versicherten Person im Ausland anfallen.
COVID-19 treatment
No limit stated
No COVID-19-specific rule; COVID-19 is treated like any other illness under the general medical expense cover.
Pre-existing conditions
Conditional
If the insured event occurred before the trip began, necessary treatment costs are only reimbursed if an existing illness worsens during the trip abroad.
Section: § 1 Gegenstand, Umfang und Geltungsbereich
Tritt der Versicherungsfall schon vor Antritt der Reise ins Ausland ein, erstatten wir die notwendigen Behandlungskosten nur für den Fall, dass sich eine bestehende Erkrankung während der Auslandsreise verschlechtert.
Winter sports cover
No limit stated
No sport-specific exclusion; accidents during winter sports are covered like any other accident abroad.
Adventure sports cover
No limit stated
No sport-specific exclusion; accidents during adventure or extreme sports are covered like any other accident abroad.
Pregnancy complications and delivery
Covered
Covers costs of delivery and pregnancy complications (including miscarriage, premature birth or emergency termination) up to the 36th week of pregnancy, with exceptions if a longer stay abroad is medically required; costs for the newborn's necessary treatment are also covered until mother and child are fit to travel.
Section: § 4 Umfang der Leistungspflicht > j) Schwangerschaft und Entbindung
Wir erstatten Kosten für eine Entbindung und für Komplikationen während der Schwangerschaft (dazu zählen Fehlgeburten, Frühgeburten oder notfallmäßige Schwangerschaftsabbrüche) bis zur 36. Schwangerschaftswoche.
Key conditions
Assistance call deadline
No fixed deadline for calling the assistance hotline is specified; however, the insurer may require advance notice for benefit verification and can request the insured to be examined by a doctor it appoints.
Unauthorized treatment
If the policyholder breaches a contractual duty (e.g. failing to provide required information), Debeka may reduce or refuse benefits proportionate to the degree of fault, per §10 in conjunction with §28 VVG.
Purchase while abroad
If the contract is concluded while already on a trip abroad, coverage only applies to the next trip abroad; the current trip is not insured.
Chronic conditions
Chronic or pre-existing illnesses are only covered if they worsen unexpectedly during the trip abroad and require treatment; treatments already planned before travel are generally not covered.
Pregnancy
Delivery and pregnancy complications (miscarriage, premature birth, emergency termination) are covered up to the 36th week of pregnancy, with continued cover thereafter if a longer stay abroad becomes medically necessary due to an earlier insured event.
Pre-existing condition exclusions
Costs for an insured event that already existed before the start of the trip are reimbursed only if the existing illness worsens during the trip abroad.
Coverage duration limit
Cover applies for the first 70 days of each trip abroad within an insurance year; if the return trip is not possible after 70 days for medical reasons, cover is automatically extended until the insured person is fit to travel again.
Direct payment
Debeka reimburses costs after the insured submits the invoices; the terms do not provide for direct settlement with providers abroad.
Territorial scope
Covers any territory outside the Federal Republic of Germany, except countries in which the insured person maintains a permanent residence
Exclusions
War and civil unrest exclusion
No coverage for claims arising from war, civil war, or civil unrest; predictable if travel warning issued by German Foreign Office before trip
SourceClause § 5 Nr. 1aPage 2Section: § 5 Einschränkung der Leistungspflicht
Krankheiten und deren Folgen, Folgen von Unfällen und Todesfälle, die durch vorhersehbare Kriegsereignisse oder aktive Teilnahme an inneren Unruhen verursacht worden sind. Kriegsereignisse oder innere Unruhen sind vorhersehbar, wenn vor Reiseantritt das Auswärtige Amt eine Reisewarnung ausspricht;
Documents
Policy specifics
Medical repatriation / transport
Covers medically necessary transport costs to return insured person to home country
SourceClause § 4 Buchstabe dPage 2Section: § 4 Umfang der Leistungspflicht > d) Rücktransport
Wir erstatten die Kosten für den Rücktransport zum nächstgelegenen geeigneten Krankenhaus am Wohnort der versicherten Person.
Outpatient medical treatment
Covers ambulatory physician treatments, prescribed medicines, medical supplies and auxiliary equipment
SourceClause § 4 Buchstabe aPage 2Section: § 4 Umfang der Leistungspflicht > a)
ambulante ärztliche Behandlungen – ... – Arznei-, Verband- und Heilmittel
Maximum trip duration
Insurance coverage applies for a maximum of 70 days per foreign trip
SourceClause § 1 Nr. 5Page 1Section: § 1 Gegenstand, Umfang und Geltungsbereich
Der Versicherungsschutz besteht für die ersten 70 Tage jeder Auslandsreise einer versicherten Person innerhalb eines Versicherungsjahres.
Contract must be concluded before trip
Insurance contract must be established before departure; minimum 1-year contract term
SourceClause § 2 Nr. 2Page 1Section: § 2 Abschluss und Dauer des Versicherungsvertrags
Sie müssen den Vertrag vor Reisebeginn für ein Jahr abschließen.
Geographic coverage scope
Worldwide coverage excluding areas where insured person has permanent residence
SourceClause § 1 Nr. 3Page 1Section: § 1 Gegenstand, Umfang und Geltungsbereich
Als Ausland gilt das Gebiet außerhalb der Bundesrepublik Deutschland. Ausgenommen sind die Länder, in denen die versicherte Person einen Wohnsitz hat.
Cost reimbursement vs. direct settlement
Insurer advances costs for major cases (hospitalization); minor treatments require insured to pay and seek reimbursement
SourceIntentional acts exclusion
No coverage for claims arising from intentional acts, including self-inflicted injuries and substance detoxification
SourceClause § 5 Nr. 1bPage 2Section: § 5 Einschränkung der Leistungspflicht
auf Vorsatz beruhende Krankheiten und Unfälle einschließlich deren Folgen sowie Entgiftungs-, Entzugs- und Entwöhnungsbehandlungen;
No waiting periods
Insurance protection is effective from the first day without waiting periods
SourceSources
Debeka Travel insurance