DEVK Deutsche Eisenbahn Versicherung Sach- und HUK-Versicherungsverein a.G. (DEVK Insurance Group)
DEVK
DEVK is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
Primarily a reimbursement model: insureds pay abroad and submit original invoices for reimbursement, but DEVK can also issue a direct cost-guarantee (Kostenübernahmeerklärung) to hospitals to avoid large upfront payments, coordinated via the DEVK 'Auslandsreise' team and Malteser Hilfsdienst.
Geographic scope
Worldwide (outside Germany)
Covers temporary stays abroad; 'abroad' is defined as any territory outside the Federal Republic of Germany.
Starting price
€13
Indicative — pricing assumptions not stated
Unique selling points
- No deductible applies under the Auslandsreisekrankenversicherung, unlike the excess that may apply under the customer's primary private health plan.
- Cover starts immediately with no waiting period, and applies worldwide with private-patient status at doctors and hospitals.
- 24/7 emergency coordination and advance cost-guarantee arrangements with hospitals are organised via the Malteser Hilfsdienst emergency centre.
- The policy renews automatically each year, providing continuous year-round travel medical protection without re-applying before every trip.
- Customers who need more than 2 months abroad can extend cover via the partnered Langzeit-Reiseschutz for stays up to 2 years, for travellers up to age 55.
Coverage limits
Medical treatment costs
unlimited
Reimbursement of costs incurred abroad for medical treatment, medicines, remedies, X-ray/radiation diagnostics etc. at 100% (Tarif R2) or up to 100% (Tarif R2H) with no fixed sum insured cap.
Emergency medical treatment
unlimited
Costs for medically necessary outpatient/emergency physician treatment abroad are reimbursed without a fixed monetary ceiling.
Inpatient hospital treatment
unlimited
Inpatient treatment including operations and ancillary surgical costs is reimbursed with free choice of hospital, no fixed sum cap.
Outpatient treatment
unlimited
Outpatient physician treatment, medicines and remedies prescribed abroad are reimbursed without a fixed cap.
Emergency dental treatment
€2,000
Pain-relief dental treatment, simple fillings and repairs of dentures are covered under both tariffs; Tarif R2H additionally covers provisional dentures (Provisorien) up to 2,000 EUR per claim. New dentures, crowns, implants and orthodontics are excluded.
Local medical transport
unlimited
Covers transport to the nearest suitable hospital or emergency doctor at the destination; Tarif R2H also reimburses medically sensible transport from initial treatment back to accommodation and control-visit trips up to 250 EUR.
Medical repatriation transport
unlimited
Covers the cost of transporting the insured back to their permanent residence or nearest suitable hospital when medically necessary (R2) or medically sensible and justified (R2H, expanded Feb 2025), including cost of a medically required escort, with no stated monetary ceiling.
Repatriation of remains / burial abroad
unlimited
Repatriation of the deceased to their permanent residence in Germany is covered without a monetary limit. As an alternative, burial abroad is covered up to 10,000 EUR (death in Europe) or up to 15,000 EUR (death outside Europe).
Rescue, recovery and search costs
€2,500 – €15,000
Rescue, recovery and search costs arising from illness, accident or death abroad are covered up to 2,500 EUR under Tarif R2 and up to 15,000 EUR under Tarif R2H.
COVID-19 / pandemic treatment
Conditional
Only in Tarif R2H
Tarif R2H explicitly states that benefit obligation also exists for insured events caused by pandemic, epidemic or nuclear energy; Tarif R2's older AVB does not mention this explicitly.
Pre-existing conditions
Conditional
Only in Tarif R2H
Tarif R2H reimburses additional expenses for medical treatment that becomes necessary because a pre-existing illness/accident condition worsens during the trip; Tarif R2 does not contain an equivalent provision.
Winter sports cover
No limit stated
Not mentioned as a separate benefit or exclusion in the reviewed AVB documents.
Adventure sports cover
No limit stated
Not mentioned as a separate benefit or exclusion; the website states that sports trips generally remain covered.
Pregnancy complications
Conditional
Medical treatment of unforeseeable, acutely occurring pregnancy complications is covered, including premature birth before completion of week 32 (Tarif R2) or week 36 (Tarif R2H) of pregnancy, and miscarriage; known pregnancy at trip start, elective abortion and normal delivery are excluded.
Personal liability
No limit stated
Not part of this travel medical product; a separate liability component is only mentioned as part of the unrelated Langzeit-Reiseschutz/Komfortschutz partner product.
Legal assistance
No limit stated
Not found in the reviewed AVB/Verbraucherinformationen for the travel medical product.
24/7 emergency assistance
Covered
DEVK's cooperation partner Malteser Hilfsdienst operates a 24-hour emergency control centre for customers requiring urgent ambulance flights or repatriation transport.
Key conditions
Assistance call deadline
No fixed call-before-treatment deadline is stated; however, reimbursement of repatriation transport costs requires a treating physician's statement on medical necessity and the mode of transport (§6(3)).
Unauthorized treatment
If treatment exceeds the medically necessary extent or costs are disproportionate to the services rendered, the insurer may reduce its payment to a reasonable amount (§5(2)).
Purchase while abroad
The insurance contract must be concluded before the start of the foreign trip; it cannot be purchased once the insured is already abroad (§3(3)).
Chronic conditions
Chronic conditions are not separately addressed; under Tarif R2H, additional costs for treatment needed because a pre-existing illness or accident condition worsens during the trip are reimbursed, while Tarif R2 has no such provision.
Pregnancy
Only unforeseeable, acute pregnancy complications are covered, including premature birth (before week 32 under R2 / week 36 under R2H) and miscarriage; treatment related to a pregnancy known before the trip, elective abortion and normal delivery are excluded.
Pre-existing condition exclusions
Tarif R2 does not address pre-existing conditions; Tarif R2H reimburses additional costs where treatment becomes necessary due to a worsening of a pre-existing illness or accident condition during the trip.
Coverage duration limit
Cover applies to temporary trips abroad up to 42 days under Tarif R2, or up to 2 months (60 days) under Tarif R2H; for longer stays, only the first 42 days/2 months are covered.
Policy specifics
Medical repatriation/transport
Coverage for medically necessary or medically reasonable and justified repatriation to Germany
SourceCoverage duration per trip
Standard Tarif R2: up to 42 days per trip; Extended Tarif R2H: up to 60 days (2 months) per trip
SourceRooming-in for minors
Parent accommodation costs covered during inpatient treatment of a minor child
SourceChildren repatriation
Coverage for return of insured minors to home country if accompanying adult falls ill/dies
SourceDental treatment coverage limit
Pain-relief dental treatment and simple fillings covered; prosthetics repairs up to 2,000 EUR
SourceDeath repatriation
Repatriation to home country without limit; or burial in European countries up to 10,000 EUR; non-European up to 15,000 EUR
SourceCost reimbursement model
The insurer reimburses costs incurred for medical treatment abroad, either directly at point of care or via reimbursement application after advance payment
SourcePrivate patient status
Insured persons are treated as private patients (Privatpatient) at physicians and hospitals abroad
SourceEmergency assistance coordination
DEVK partners with Malteser Hilfsdienst for 24/7 emergency coordination and advance payment guarantee arrangements
SourceExclusion: travel for medical treatment
No coverage for trips undertaken primarily for the purpose of receiving medical treatment abroad
SourceRestrictions in certain countries
Special restrictions and exclusions apply to travels to Russia, Belarus, Ukraine, Cuba, and Ecuador; no coverage for war-related illnesses/injuries
Source