Feuersozietät Berlin Brandenburg Versicherung Aktiengesellschaft

Costs of medically necessary treatment for illness or accident abroad (doctors, dentists, medication, dressings, aids, midwife services) are reimbursed at 100% in all tiers (Kompakt, Optimal, Premium); no single overall sum insured is stated, but several individual benefit categories carry their own sub-limits detailed in this record.

Reimbursed at 100% in all tiers. In Kompakt and Optimal, cover is limited to consultations, treatment and operations that cannot be delayed ('unaufschiebbare Operationen'); postponable ('aufschiebbare') operations are excluded. Premium covers operations without this non-deferrability restriction.

Costs billed by the hospital (accommodation, food, medicine, medical services) during inpatient stays are reimbursed at 100% in all three tiers. As an alternative to cost reimbursement, a daily hospital allowance of €30/day can be chosen if another payer covers part of the costs.

Outpatient consultations and treatment by doctors and dentists are reimbursed at 100% in all tiers; Premium additionally covers alternative practitioners, osteopaths and chiropractors at 100%, which Kompakt and Optimal exclude.

Reimbursed at 100% subject to per-tier annual caps: Kompakt up to €300/calendar year, Optimal up to €500/calendar year, Premium uncapped (no calendar-year limit stated).

Medically necessary ground transport and air rescue transport to a hospital or the nearest suitable emergency doctor are reimbursed at 100% in all three tiers, with no monetary cap stated.

All expenses for a medically practical and justifiable repatriation (including air ambulance) to the pre-trip residence or a suitable hospital in Germany are reimbursed at 100% in all tiers, with no monetary cap stated. Costs for a medically necessary, officially ordered or transport-company-required accompanying person are also covered, regardless of that person's own insurance status at the time of repatriation.

If the insured person dies abroad, costs of burial at the place of death or of transfer to the pre-trip place of residence are reimbursed, with no monetary cap stated. Confirmed for Kompakt and Premium tariff texts reviewed; the Optimal tariff text itself was not among the sources reviewed, though the Optimal IPID confirms the equivalent repatriation benefit exists in the product family.

Costs of search, rescue or recovery operations are explicitly excluded, confirmed in the Kompakt and Premium tariff texts. The exclusion is presumed consistent for Optimal given the shared product structure, though not independently confirmed in the Optimal IPID.

Not addressed as a distinct benefit in any of the reviewed tariff texts, IPIDs or brochure.

Excluded by default in Kompakt, Optimal, and Premium tariff levels A/B (no risk assessment). Only in Premium tariff levels C/D, concluded with a health questionnaire ('Gesundheitsprüfung'), can pre-existing conditions be included, subject to individual risk loadings or benefit exclusions.

Not addressed as a distinct benefit in any of the reviewed tariff texts, IPIDs or brochure.

Not addressed as a distinct benefit in any of the reviewed tariff texts, IPIDs or brochure.

Reimbursed at 100% in all three tiers. Related prenatal care and delivery are also reimbursed at 100% in all tiers, but are subject to an eight-month waiting period and, in Kompakt, are excluded outright if the pregnancy already existed at the start of the contract or renewal application.

Not addressed as a distinct benefit; this is a health/medical tariff and does not include personal liability cover.

Not addressed as a distinct benefit in any of the reviewed tariff texts, IPIDs or brochure.

All tiers include medical advice before and during the trip (destination advice, vaccination info, infection risk info), a worldwide doctor/hospital navigator, organization of repatriation or hospital visits, and a medical interpreter, reachable via a 24-hour emergency hotline nearly worldwide, seven days a week.