DKV Travel insurance (Reisemed)

Medically necessary outpatient and inpatient treatment costs for illness or accident abroad are reimbursed at 100%; no fixed maximum sum insured is stated in either tariff.

Emergency treatment following an accident or acute illness abroad, including transport to the nearest available doctor or hospital, is reimbursed at 100%.

Inpatient treatment costs including nursing, accommodation and board are reimbursed at 100%; under Tariff ARE, the insured may instead choose a hospital daily allowance of 25 EUR per day.

Costs for outpatient doctor's fees, prescribed medicines, dressings, aids and physiotherapy first required due to an accident or illness abroad are reimbursed at 100%.

Under Tariff ARE, pain-relief dental treatment and fillings with plastic material are reimbursed at 100%; provisional crowns/dentures due to an accident and repairs to existing dentures are reimbursed at 50%, up to a combined maximum of 250 EUR. All other dental work is excluded. Under Tariff RD/RDN, only provisional dental treatment is covered; the fabrication of new permanent dentures is excluded.

Transport by recognised ambulance/rescue services to the nearest appropriate doctor or hospital for first treatment after an accident or emergency is reimbursed at 100%.

A medically necessary and medically ordered return transport to the insured's permanent residence (or a hospital there) is covered. Under Tariff ARE, extra transport costs are reimbursed at 100% only with prior approval from DKV's emergency call service, otherwise at 80%; costs are also covered without proof of necessity if inpatient treatment abroad is expected to last more than 14 days. Under Tariff RD/RDN, the 'medically sensible and justifiable' return transport is covered without a stated approval-based percentage split.

If the insured dies abroad, DKV reimburses the direct costs of returning the body to the last permanent residence. Under Tariff ARE, burial costs abroad (chosen instead of repatriation) are reimbursed up to 10,000 EUR. Under Tariff RD/RDN, burial abroad is reimbursed up to the amount the repatriation would have cost, with no separate fixed EUR ceiling stated.

Under Tariff RD/FamilyMed RDN, search, rescue and recovery costs are covered up to a maximum of 20,000 EUR. This benefit is not mentioned in the Tariff ARE terms.

Treatment of COVID-19 and other pandemic illnesses is covered worldwide like any other illness.

Illnesses for which it was foreseeable at the start of the trip that treatment would be needed during the planned trip are excluded from cover, as are treatments that were the sole or a partial reason for the trip.

Not addressed in the reviewed policy documents.

Not addressed in the reviewed policy documents.

Only unforeseeable, acute pregnancy complications are covered. Under Tariff ARE this includes premature births before the end of the 32nd week of pregnancy and miscarriages; under Tariff RD/FamilyMed RDN it extends to premature births before the end of the 36th week, plus miscarriages and medically necessary termination of pregnancy. Known pregnancies at trip start, elective abortion, normal delivery and postpartum illness are excluded.

Not addressed in the reviewed policy documents.

Not addressed in the reviewed policy documents.