Hallesche Krankenversicherung auf Gegenseitigkeit (mutual insurance association)

Assistance call deadline

No fixed call-back deadline in hours is stated; however, the 24/7 alarm center (+49 711 6603-3930) must be contacted whenever hospitalization or repatriation is needed so that treatment/transport and cost approval can be organized in advance.

Unauthorized treatment

No fixed percentage penalty is stated; a general breach of contractual duties (e.g. failing to prove trip dates, refusing a requested medical examination) can lead to partial or full loss of the right to benefits under §28 VVG.

Purchase while abroad

The insurance contract must be concluded before starting the trip; if it is concluded while the insured is already abroad, there is no cover for that trip.

Chronic conditions

The Kolumbus terms do not use the term 'chronic disease' and set no separate rule for it; treatment of an already existing condition abroad is instead governed by the pre-existing/worsening-condition rule.

Pregnancy

Routine pregnancy check-ups, elective termination and a normal delivery are not covered; only pregnancy complications, a miscarriage, or delivery before completion of the 37th week of pregnancy are reimbursed.

Pre-existing condition exclusions

Worsening of a pre-existing condition during the trip is covered if treatment is needed before the scheduled return; excluded are trips undertaken specifically for treatment and conditions a doctor had already diagnosed before travel as requiring treatment during the trip.

Coverage duration limit

Cover applies to each individual trip abroad for up to 8 weeks; if a trip lasts longer, cover applies only to the first 8 weeks. If the insured cannot travel back due to being travel-incapable, cover extends by a further 7 days to arrange repatriation; if the insured is unable to be transported at all, cover continues without a fixed time limit until they become transportable again.

Medical repatriation / emergency transport

Covers cost of medically necessary emergency repatriation to home country when hospital stay exceeds 2 weeks or when travel is impossible due to illness/injury

Dental treatment coverage

Covers pain-relieving dental treatment and dental prosthesis repairs needed due to unforeseen illness/injury during travel

Bereavement repatriation and funeral costs

Covers funeral and body repatriation costs up to €5,000 within Europe or €10,000 outside Europe

8-week limit per individual trip

Coverage is limited to 8 weeks per individual trip/journey abroad. Multiple trips per calendar year are covered, but each trip is capped at 56 days

Worldwide coverage with geographic exclusions

Coverage applies worldwide, but excludes: (1) Germany; (2) countries where the insured has permanent residence; (3) countries where the insurer cannot offer coverage by law

Reimbursement (not direct billing)

Insured must pay medical costs directly and submit invoices/receipts after return for reimbursement. Exception: emergency services like repatriation are coordinated directly with emergency center

Automatic annual renewal

Policy automatically renews each calendar year via direct debit. No need to apply for renewal; coverage continues unless actively cancelled

Co-insurance bonus

If insured has other travel insurance (e.g. from credit card) that also covers costs, Hallesche pays additional bonus: up to €50/day for hospital stays or €100 one-time for outpatient treatment

No individual policy document issued

For standing annual policies (Kolumbus, URJE, URJEplus), no physical policy document is issued. Proof of coverage is the bank statement showing direct debit withdrawal