Debeka Krankenversicherungsverein a. G. / Debeka Versicherungsgruppe
Debeka
Debeka is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
Debeka generally reimburses costs after the insured pays and submits original invoices; for serious cases such as hospitalization the insurer can advance payment directly, while routine outpatient costs must typically be paid locally and are reimbursed afterwards.
Geographic scope
Worldwide, excluding Germany and any country where the insured person has a permanent residence
Covers any territory outside the Federal Republic of Germany, except countries in which the insured person maintains a permanent residence
Starting price
€12
Indicative — pricing assumptions not stated
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.
Emergency/outpatient physician treatment
Covered
100% reimbursement of outpatient physician treatment costs incurred during the trip abroad.
Inpatient hospital treatment
Covered
100% reimbursement of inpatient hospital treatment costs including surgery, incurred abroad; free choice of hospitals meeting quality criteria.
Outpatient medical treatment
Covered
Covers outpatient treatment by physicians, dentists, medical practitioners (Heilpraktiker), chiropractors and osteopaths, plus prescribed medicines, dressings and radiological diagnostics.
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.
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.
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.
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.
Search, rescue and recovery costs
€5,000
Reimburses search, rescue and recovery costs up to 5,000 Euro arising from illness, accident or death of the insured person abroad.
COVID-19 treatment
No limit stated
The terms and conditions and IPID do not mention any COVID-19 specific provision or exclusion.
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.
Winter sports cover
No limit stated
No mention of winter sports coverage or exclusion is made in the reviewed terms, IPID, or product page.
Adventure sports cover
No limit stated
No mention of adventure/extreme sports coverage or exclusion is made in the reviewed terms, IPID, or product page.
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.
Personal liability abroad
No limit stated
No personal liability cover is mentioned in the reviewed terms, IPID, or product page for this product.
Legal assistance
No limit stated
No legal assistance cover is mentioned in the reviewed terms, IPID, or product page for this product.
24-hour emergency hotline
Covered
Reimburses telephone costs incurred for calls to Debeka's 24-hour emergency hotline.
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.
Where to buy
Policy specifics
Medical repatriation / transport
Covers medically necessary transport costs to return insured person to home country
SourceOutpatient medical treatment
Covers ambulatory physician treatments, prescribed medicines, medical supplies and auxiliary equipment
SourceContract must be concluded before trip
Insurance contract must be established before departure; minimum 1-year contract term
SourceGeographic coverage scope
Worldwide coverage excluding areas where insured person has permanent residence
SourceCost reimbursement vs. direct settlement
Insurer advances costs for major cases (hospitalization); minor treatments require insured to pay and seek reimbursement
SourceWar 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
SourceIntentional acts exclusion
No coverage for claims arising from intentional acts, including self-inflicted injuries and substance detoxification
SourceNo waiting periods
Insurance protection is effective from the first day without waiting periods
Source