Feuersozietät Travel insurance (Gesundheit Global)
Underwritten by Union Krankenversicherung AG · Germany
travel insurance from Feuersozietät for the Germany market, with 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2017-04-01Sources
Key facts
- Feuersozietät
Unique selling points
No deductible: insured persons pay no out-of-pocket share for any covered service.
Cover for stays of up to five (Optimal/Premium) years, far longer than typical short-term travel insurance.
The Premium tier offers a comprehensive package described as equivalent to full private health insurance, including dental prosthetics, orthodontics and psychotherapy.
Up to six weeks of continued cover during temporary returns to Germany, per calendar year (Optimal) or per trip interruption (Premium).
Worldwide 24/7 emergency hotline including a medical interpreter and a global doctor/hospital navigator service.
Coverage limits
Medical expenses abroad
Not established from the insurer's documents
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.
Section: 4. Welche Versicherungsleistungen werden erbracht? > 4.1
4.1 Erstattet werden die Aufwendungen für: a) Beratungen und Behandlungen durch Ärzte und Zahnärzte, einschließlich unaufschiebbarer Operationen und Operationsnebenkosten
Emergency / non-deferrable operations
Not established from the insurer's documents
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.
Section: 4. Welche Versicherungsleistungen werden erbracht? > 4.1 / 5. In welchen Fällen besteht kein Versicherungsschutz?
a) Beratungen und Behandlungen durch Ärzte und Zahnärzte, einschließlich unaufschiebbarer Operationen und Operationsnebenkosten ... f) während der Vertragsdauer aufschiebbare Operationen
Inpatient hospital treatment
Not established from the insurer's documents
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.
Section: Ihr Versicherungsschutz
Kosten für stationäre Behandlung (z. B. Unterkunft, Verpflegung, Heilmittel, ärztliche Leistungen) 100 %** 100 %** 100 %
Outpatient medical treatment
Not established from the insurer's documents
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.
Section: Ihr Versicherungsschutz
Ambulante ärztliche Behandlung ... Behandlung durch Heilpraktiker, Osteopathen und Chiropraktiker H H 100 %
Analgesic (emergency pain-relief) dental treatment
Not established from the insurer's documents
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).
Section: Ihr Versicherungsschutz
Schmerzstillende Zahnbehandlung 100 % Bis 300 € im Kalenderjahr 100 % Bis 500 € im Kalenderjahr 100 %
Transport to hospital / emergency doctor
Not established from the insurer's documents
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.
Section: Ihr Versicherungsschutz
Krankentransport zum Krankenhaus/Notfallarzt 100 % 100 % 100 % Flugrettungstransport zum Krankenhaus/Notfallarzt 100 % 100 % 100 %
Medically necessary repatriation to Germany
Not established from the insurer's documents
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.
Section: 4. Welche Versicherungsleistungen werden erbracht? > 4.2
4.2 Erstattungsfähig sind alle Aufwendungen für einen medizinisch sinnvollen und vertretbaren Rücktransport (auch Ambulanzflugzeug) a) an den vor Beginn der Auslandsreise vorhandenen Wohnsitz oder b) in ein von der versicherten Person benanntes und aus medizinischer Sicht geeignetes Krankenhaus in Deutschland.
Repatriation of remains / burial abroad
Not established from the insurer's documents
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.
Section: 4. Welche Versicherungsleistungen werden erbracht? > 4.3
4.3 Beim Tode der versicherten Person im Ausland werden die Kosten der Bestattung am Sterbeort oder der Überführung an den vor Beginn der Auslandsreise vorhandenen Wohnsitz erstattet.
Search, rescue or recovery operations
Not established from the insurer's documents
Costs of search, rescue or recovery operations are not covered.
Section: 5. In welchen Fällen besteht kein Versicherungsschutz?
i) Kosten für Such-, Rettungs- oder Bergungseinsätze
COVID-19 treatment
Not established from the insurer's documents
Not addressed as a distinct benefit in any of the reviewed tariff texts, IPIDs or brochure.
Pre-existing conditions
Not established from the insurer's documents
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.
Section: 1. Welche Tarifstufen werden angeboten?
Tarife ohne Risikoprüfung und mit Ausschluss von Vorerkrankungen: - GesundheitGLOBAL Premium A: Normalpreisländer - GesundheitGLOBAL Premium B: Hochpreisländer Tarife mit Risikoprüfung und mit Einschluss von Vorerkrankungen: - GesundheitGLOBAL Premium C: Normalpreisländer - GesundheitGLOBAL Premium D: Hochpreisländer
Winter sports cover
Not established from the insurer's documents
Not addressed as a distinct benefit in any of the reviewed tariff texts, IPIDs or brochure.
Adventure sports cover
Not established from the insurer's documents
Not addressed as a distinct benefit in any of the reviewed tariff texts, IPIDs or brochure.
Pregnancy complications and premature birth
Not established from the insurer's documents
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.
Section: Ihr Versicherungsschutz
Schwangerschaftskomplikationen und Frühgeburt 100 % 100 % 100 % Schwangerschaftsvorsorge und Entbindung 100 % 100 % 100 %
Personal liability
Not established from the insurer's documents
Not addressed as a distinct benefit; this is a health/medical tariff and does not include personal liability cover.
Legal assistance
Not established from the insurer's documents
Not addressed as a distinct benefit in any of the reviewed tariff texts, IPIDs or brochure.
24/7 assistance service
Not established from the insurer's documents
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.
Section: 7. Welche Gesundheits-Assistance-Leistungen werden erbracht?
Wir bieten medizinische Hilfe und Beratung vor und während der Reise. Wir informieren, beraten und leisten aktiv Unterstützung bei persönlichen Notfällen während der Reise, wie bei Krankheit, Unfall oder Tod.
Key conditions
Assistance call deadline
If hospital treatment or repatriation is necessary, the insured person must contact the 24-hour emergency hotline immediately to arrange cost assumption; no specific hour-based deadline is stated in the tariff.
Unauthorized treatment
The insurer may exclude specific doctors, dentists, other providers or hospitals from reimbursement for important reasons; after such notification, no benefits are paid for claims arising afterwards, though a three-month grace period applies to claims already pending at the time of notification.
Purchase while abroad
Only persons with a permanent residence in Germany who are merely temporarily travelling abroad are insurable; the reviewed sources do not address concluding the contract while already abroad.
Chronic conditions
Unexpected deteriorations in health due to a chronic illness are covered, even though treatment already known to be necessary before the trip is excluded from cover.
Pregnancy
An eight-month waiting period applies to delivery-related benefits in all tiers; in the Kompakt tariff, treatment, prenatal care and delivery are excluded outright if the pregnancy already existed at the start of the contract or a renewal application.
Pre-existing condition exclusions
Pre-existing conditions are excluded in Kompakt, Optimal and Premium tariff levels A/B; only Premium levels C/D, concluded with a health questionnaire, may include pre-existing conditions, subject to individual risk loadings or benefit exclusions.
Coverage duration limit
Not established from the insurer's documents
Minimum 2 months; maximum Kompakt 2 years, Optimal 5 years, Premium 5 years (per current product information).
SourceThird-party source, not the insurer's documentPage Seite 2Section: Ihr Versicherungsschutz
Versicherungsdauer 2 Jahre 5 Jahre 5 Jahre
Direct payment
Upon contacting the 24-hour emergency hotline, the insurer organizes and assumes the costs directly for hospital treatment and medically necessary repatriation; other eligible expenses are generally reimbursed against submitted invoices.
Territorial scope
Worldwide coverage while the insured person is temporarily abroad; travel to or through high-cost countries (China, Hong Kong, Switzerland, Singapore, USA, England) requires classification into a higher tariff level (B/D) with a higher premium, which must be reported to the insurer without delay.
Documents
Tariff GesundheitGLOBAL Kompakt (opens in a new tab)
Terms & conditions · PDF
Tariff GesundheitGLOBAL Premium (opens in a new tab)
Terms & conditions · PDF
IPID GesundheitGLOBAL Kompakt (opens in a new tab)
Product information sheet · PDF
IPID GesundheitGLOBAL Optimal (opens in a new tab)
Product information sheet · PDF
IPID GesundheitGLOBAL Premium (opens in a new tab)
Product information sheet · PDF
GesundheitGLOBAL brochure, benefits comparison table and application form (opens in a new tab)
Table of benefits · PDF
Policy specifics
High-cost country coverage
Additional premium required for stays in Singapore, China, England, Switzerland, Hong Kong, and USA due to higher medical costs
SourceIn diesen Ländern können im Krankheitsfall, im Vergleich zu anderen Ländern, wesentlich höhere Kosten für eine medizinische Behandlung entstehen.
Pre-existing conditions exclusion
Pre-existing conditions are generally not covered unless specifically declared and approved (Premium tier only)
SourceIm Tarif GesundheitGLOBAL Premium gibt es auch die Möglichkeit, den Einschluss von Vorerkrankungen mit der Beantwortung von Gesundheitsfragen prüfen zu lassen.
Exclusion for pre-planned treatments
Medical treatments determined to be necessary before crossing border are excluded
SourceBehandlungen, von denen bei Grenzüberschreitung feststand, dass sie erfolgen müssen, sind von der Leistung ausgeschlossen.
Insurance duration limits
Compact tier: max 2 years; Optimal tier: max 5 years; all tiers: min 2 months
SourceSection: Die Vorteile unserer Langzeit-Auslandskrankenversicherung im Überblick:
bis zu 2 Jahre bis zu 2 Jahre bis zu 5 Jahre bis zu 5 Jahre bis zu 5 Jahre bis zu 5 Jahre
Temporary return to Germany coverage
Not established from the insurer's documents
Optimal tier: 6 weeks per calendar year; Premium tier: 6 weeks per trip interruption
SourceThird-party source, not the insurer's documentClause 4.2Page 1Section: 4. Welche Versicherungsleistungen werden erbracht? > 4.2
Während einer vorübergehenden Rückkehr nach Deutschland besteht bis zu sechs Wochen je Aufenthalt Versicherungsschutz. Es gelten folgende Regelungen: a) Besteht Versicherungsschutz in der deutschen gesetzlichen Krankenversicherung oder besteht eine private Krankenversicherung, so ist diese in Anspruch zu nehmen. In diesem Fall werden aus diesem Auslandsreise-Krankenversicherungsvertrag keine Leistungen erbracht.
Sources
- feuersozietaet.dehttps://www.feuersozietaet.de/content/versicherungen/reiseversicherungen/gesundheitglobal/(opens in a new tab)
- reisepolice.comhttps://www.reisepolice.com/uploads/media/reiseversicherung/ukv/auslandskrankenversicherung/gesundheitglobal/antrag.pdf#page=2(opens in a new tab)
- reisepolice.comhttps://www.reisepolice.com/uploads/media/reiseversicherung/ukv/auslandskrankenversicherung/gesundheitglobal/antrag.pdf#page=8(opens in a new tab)
- reisepolice.comhttps://www.reisepolice.com/uploads/media/reiseversicherung/ukv/auslandskrankenversicherung/gesundheitglobal/tarif_gesundheit_global_kompakt.pdf#page=1(opens in a new tab)
- reisepolice.comhttps://www.reisepolice.com/uploads/media/reiseversicherung/ukv/auslandskrankenversicherung/gesundheitglobal/tarif_gesundheit_global_kompakt.pdf#page=2(opens in a new tab)
- reisepolice.comhttps://www.reisepolice.com/uploads/media/reiseversicherung/ukv/auslandskrankenversicherung/gesundheitglobal/tarif_gesundheit_global_premium.pdf#page=1(opens in a new tab)
- reisepolice.comhttps://www.reisepolice.com/uploads/media/reiseversicherung/ukv/auslandskrankenversicherung/gesundheitglobal/tarif_gesundheit_global_premium.pdf#page=2(opens in a new tab)