ERGO Group AG

Assistance call deadline

The insured person (or, in case of death, their legal successor) must contact the ERV emergency call center without delay before starting inpatient treatment, before a medical repatriation is carried out, and before a burial or repatriation of remains abroad.

Unauthorized treatment

ERGO is not obliged to pay if a duty (such as the notification duty) is breached intentionally; in case of gross negligence, the benefit can be reduced according to the severity of fault, unless the policyholder proves the breach was not causal for the loss or its extent.

Purchase while abroad

To conclude an annual contract, the policyholder (and any co-insured person) must have their habitual residence or company seat in Germany or another EU/EEA country; the terms reviewed do not explicitly address purchasing this annual policy while already staying abroad.

Chronic conditions

Treatments known before the trip to be necessary during the trip (e.g. dialysis) and treatments that were a reason for undertaking the trip are excluded, except when the trip had to be undertaken due to the death of a spouse, partner or first-degree relative.

Pregnancy

Pregnancy complications, medically indicated termination, delivery, premature birth treatment for the newborn, and miscarriage are covered up to and including the 36th week of pregnancy.

Pre-existing condition exclusions

Treatments that were the reason for the trip, or that the traveler already knew before departure would need to be carried out during the trip, are not covered.

Coverage duration limit

Under the annual policy, medical cover (outside the cancellation and interruption parts) applies for a maximum of the first 45 days of each individual trip; coverage ends after day 45 if the trip continues longer.

Medical repatriation

Covers medically necessary and reasonable transportation back to home country, including companion and baggage transport

Trip cancellation coverage

Reimburses cancellation costs for covered reasons like unexpected serious illness, accidents, or death of insured parties

Trip interruption coverage

Covers additional return journey costs and reimburses unused travel services when trip must end prematurely

Baggage and luggage coverage

Covers loss, damage, or theft of baggage and travel equipment during covered journeys

Child repatriation and care

Arranges and covers costs for child repatriation if insured parent requires hospitalization, and for companion care during child hospitalization

Automatic annual renewal

Contract automatically renews yearly unless cancelled at least one month before expiration

Minimum 50 km distance from home

Insurance covers trips starting at 50 km distance from place of residence, including weekend trips and day trips

Maximum trip duration

Annual travel insurance covers individual trips up to maximum 45 days duration

Family coverage flexibility

Family policies cover up to 2 adults and children up to age 25; independent travel by family members is insured

Pre-existing condition consideration

Medical cancellation consulting available if illness or accident occurs after booking; pre-existing conditions reviewed on case basis

Claims advance payment

Not established from the insurer's documents

ERGO provides advance payment for claims reported; insurer settles claims directly with providers when notified

German language requirement

Terms and conditions and all contract communications are in German language