die Bayerische Insurance Group (formerly Bayerische Beamten Versicherungen / BBV), parent company BY die Bayerische Vorsorge Lebensversicherung a.G.
die Bayerische
die Bayerische is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
The insurer can issue a direct cost guarantee (Kostenzusage) to third-party treatment providers, provided proof of insurance (policy number, policyholder's name and address) is submitted, plus proof of eligibility for co-insured family members where relevant.
Geographic scope
Worldwide
Worldwide cover for trips abroad (Germany itself is excluded from the definition of 'abroad'); a separate, more limited domestic benefit applies to medically necessary inpatient treatment in Germany at least 100 km from the insured's home or workplace (30 EUR daily hospital allowance, transfer costs up to 600 EUR, and domestic repatriation costs up to 600 EUR).
Starting price
€1
Indicative — pricing assumptions not stated
Unique selling points
- Full 100% reimbursement of medically necessary outpatient and inpatient treatment abroad with no stated sum-insured cap, unlike many capped competitor policies.
- Round-the-clock multilingual assistance via the Barmenia-Mediline hotline, including medication sourcing, interpreter services and referrals to German-speaking doctors.
- Flexible product range: a single-trip tariff (Travel day) covering 3 to 365 days, or an annual multi-trip tariff (Travel+) covering unlimited trips with up to 8 weeks of cover per trip.
- Emergency medical repatriation, including ambulance flights, is fully reimbursed and topped up with an additional 500 EUR lump-sum payment on request.
- Rooming-in benefit lets a parent stay with a hospitalized child free of charge (or claim double hospital daily allowance), with coverage up to age 18 under the Travel+ annual tariff.
Coverage limits
Medical expenses abroad
unlimited
Outpatient and inpatient medical treatment, medication and dressings, remedies (e.g. physiotherapy after an accident) and aids (except vision aids and hearing aids) are reimbursed in full (100%), with no stated cap on the sum insured.
Emergency medical treatment
unlimited
Medical consultations, visits and procedures including operations and operation ancillary costs are reimbursed in full (100%) for medically necessary treatment abroad.
Inpatient hospital treatment
unlimited
Inpatient treatment costs (accommodation in a one- or two-bed room and meals) are reimbursed in full (100%); in addition, a hospital daily allowance of 15 EUR per day is paid without proof of costs.
Outpatient treatment
unlimited
Outpatient medical treatment abroad, including medication, remedies and aids (excluding vision aids and hearing aids), is reimbursed in full (100%).
Emergency dental treatment
unlimited
Dental treatment including necessary simple fillings, repairs to existing dentures and provisional dentures is reimbursed in full (100%).
Local medical transport
unlimited
Necessary transport to a recognised, medically suitable hospital for inpatient treatment, and transport to a doctor or hospital for outpatient emergency care, are reimbursed in full.
Medically necessary repatriation transport
unlimited
A medically sensible and justifiable transport back to Germany due to illness or accident, including ambulance flights, is reimbursed in full with no stated cap; an additional 500 EUR lump sum is paid on request for such a repatriation.
Repatriation of the deceased / burial abroad
€10,000
If the insured person dies abroad, the costs of repatriation to their place of residence are reimbursed up to 10,000 EUR, or burial costs at the place of death are covered up to the same amount. A lower cap of 600 EUR applies if death occurs within Germany.
Search, rescue or recovery costs
€5,000
If the insured person must be searched for, rescued or recovered following an accident, costs are reimbursed up to 5,000 EUR.
COVID-19 / pandemic-related treatment
unlimited
Medically necessary outpatient or inpatient treatment is covered even if caused by a pandemic, under the same 100% reimbursement terms as other illnesses.
Pre-existing medical conditions
Conditional
Treatment for illnesses treated within the last three months before travel is excluded only if treatment abroad was the reason for the trip, or if it was already foreseeable at departure that treatment would be needed; unforeseen treatment needs arising from a pre-existing condition are covered within the tariff scope.
Winter sports cover
No limit stated
Not mentioned in any reviewed travel-medical document for this product.
Adventure sports cover
No limit stated
Not mentioned in any reviewed travel-medical document for this product.
Pregnancy-related treatment
unlimited
Necessary medical examinations and treatment due to pregnancy, premature birth or miscarriage, and an unforeseeable medically necessary termination of pregnancy, are treated as an insured event and reimbursed in full (100%).
Personal liability abroad
No limit stated
Not part of this travel-medical product; personal liability cover is only offered under Barmenia's separate bundled Reiseversicherung (trip cancellation/baggage/liability/accident) product.
Legal assistance abroad
No limit stated
Not part of this travel-medical product; legal/interpreter assistance in case of arrest is only offered under Barmenia's separate bundled Reiseversicherung product.
24/7 emergency assistance hotline
Covered
The Barmenia-Mediline is reachable around the clock for help with obtaining medication, arranging German-speaking doctors or interpreters, and finding the nearest suitable doctor or hospital.
Key conditions
Assistance call deadline
No fixed deadline for contacting the 24/7 Barmenia-Mediline assistance service is stated in the reviewed documents; contact is recommended as soon as help is needed.
Unauthorized treatment
If treatment costs exceed the medically necessary scope or are grossly disproportionate to the services rendered, the insurer may reduce benefits to a reasonable amount; benefits may also be reduced or refused in cases of intentional or grossly negligent breach of contractual obligations.
Purchase while abroad
The insurance contract must be concluded in Germany before the start of the trip; it cannot be purchased after departure while already abroad.
Chronic conditions
Chronic conditions treated in the three months before the trip are excluded only if the trip was undertaken because of, or despite foreseeable need for, such treatment; unforeseen complications of a pre-existing chronic condition during the trip remain covered within the tariff scope.
Pregnancy
Medically necessary examinations and treatment due to pregnancy, premature birth or miscarriage, and an unforeseeable medically necessary termination of pregnancy are treated as insured events and covered.
Pre-existing condition exclusions
No cover applies for illnesses treated in the three months before travel if the trip was taken because treatment abroad was needed, or if treatment was already foreseeable at the time the trip began; unforeseen treatment needs from a pre-existing condition remain covered.
Coverage duration limit
Travel day (single-trip policy) covers trips from a minimum of 3 up to a maximum of 365 days; Travel+ (annual policy) covers unlimited trips within the contract year but only the first 8 weeks of any single trip.
Documents
General Terms and Conditions – Travel day (AVB)
Terms & conditions
Travel health insurance benefits overview (Travel day / Travel+)
Table of benefits
Product information for the separate bundled Reiseversicherung (trip cancellation/baggage/liability/accident) – not travel medical, different legal entity (Barmenia Allgemeine Versicherungs-AG)
Other document
Policy specifics
Medical repatriation/transport
Coverage for medically necessary repatriation including emergency medical transport flights
SourceRooming-in/family support
Coverage for accommodation and costs when a family member stays with an insured person during inpatient treatment
Source24/7 emergency assistance hotline
Round-the-clock multilingual emergency assistance service (Barmenia-Mediline)
SourceSource no longer reachableMaximum trip duration (annual policy)
Travel+ (annual policy) covers worldwide trips up to 8 weeks per individual trip; total coverage for 365 days within contract year
SourceMaximum trip duration (single trip policy)
Travel day (single trip policy) covers trips from minimum 3 days to maximum 365 days
SourceEligibility - permanent residence requirement
Must have permanent residence/habitual place of residence in Germany
Source