HUK-COBURG

Medical treatment expenses

Covered

All medically necessary treatment costs abroad are reimbursed in full (outpatient and inpatient), including doctor fees, diagnostics, hospital nursing, accommodation and meals, as well as prescribed medicines, dressings, remedies and aids. Coverage applies to illness, accident consequences, and worsening of existing conditions. No sum cap is stated in the policy.

Emergency medical treatment

Covered

Emergency and medically necessary treatment is covered for illness, accident consequences, deterioration of existing conditions, pregnancy complications, premature births, miscarriages and emergency terminations. Coverage begins with the commencement of treatment and ends when medically no longer required.

Inpatient hospitalization

Covered

All costs of inpatient hospital treatment are covered, including doctor services and hospital services (nursing, accommodation and meals). The insured is treated as a private patient. For insured minor children, accommodation and meals of one accompanying person are also covered. An alternative daily hospital allowance of EUR 30 per full day may be selected instead of full cost reimbursement.

Outpatient treatment

Covered

Costs for medically necessary outpatient treatment are reimbursed in full, including acute psychological support after traumatic events. Free choice among all licensed doctors, specialists and recognised therapists (e.g. naturopaths, chiropractors, physiotherapists, osteopaths) at the destination.

Emergency dental treatment

Covered

Coverage for: pain-relief dental treatment, medically necessary fillings and temporary dentures (provisionals) in simple design, and medically necessary repairs to existing dentures. Not covered: new inlays, permanent crowns, partial crowns, implants, functional-analytic/therapeutic procedures (gnathology), and associated pre/post-treatment.

Medical transport (local)

Covered

Costs for medically necessary transport to the nearest suitable doctor or hospital for initial treatment are reimbursed. Further transport from the initial treatment location to the next suitable facility is also covered, as well as transport back to the last accommodation (or last mooring for cruises) immediately after treatment.

Medical repatriation / evacuation

Covered

The insurer organises and pays for repatriation to the insured's permanent place of residence (or nearest suitable hospital) when: (1) medically reasonable and feasible, (2) projected treatment costs abroad exceed repatriation costs, or (3) treating physician estimates hospitalisation will exceed 14 days. Costs of the most economical suitable transport are covered without deducting saved return travel costs. Costs for one accompanying person are covered for minors, mobility-impaired persons, or where medically necessary/officially required.

Repatriation of remains / burial abroad

Covered

Costs for transferring the deceased to the permanent place of residence prior to the trip are reimbursed. If burial takes place abroad, burial costs up to the amount that would have been incurred for repatriation are covered.

Search, rescue and recovery costs

Covered

Costs for search, rescue or recovery abroad are reimbursed up to a maximum of EUR 10,000, provided they arise due to illness, accident consequences or death.

COVID-19 treatment

Covered

COVID-19 illness is treated as a standard insured event (medically necessary treatment abroad). The policy does not exclude pandemic diseases; COVID-19 treatment is covered as long as the German Foreign Office has not issued a travel warning for the destination at the time of departure.

Winter sports cover

Covered

Winter sports injuries are covered as standard accident consequences under the policy; no separate winter sports rider is required. Medical treatment, transport and repatriation due to winter sports accidents (e.g. skiing, snowboarding) are included.

Adventure / sports cover

Covered

Sports and adventure activities resulting in illness or accident consequences are covered as standard insured events. The policy does not explicitly exclude adventure or extreme sports activities from standard coverage; treatment of related injuries is included as medically necessary treatment abroad.

Pregnancy complications and childbirth

Covered

Covered: medically necessary examinations and treatment for pregnancy complications, premature births (up to end of 36th week), miscarriages, and emergency terminations. If pregnancy began after coverage start: additionally prenatal check-ups and delivery after 36th week. Newborn is co-insured until mother and child are fit to travel. Existing pregnancy before coverage start: excluded for routine maternity care but complications and emergency treatments remain covered.

24/7 emergency assistance hotline

Covered

A 24-hour telephone assistance line is available 365 days a year at +49 69 66 555 44. Services include: information on benefits, referral to German/English-speaking doctors and clinics abroad, interpreter service in all major world languages during inpatient stays, liaison between home GP and treating hospital doctors, notification of relatives and employer, cost-guarantee letters to hospitals, direct billing with hospitals, organisation of medical repatriation, organisation of repatriation of remains, organisation of parent visits to hospitalised children travelling alone. Phone call costs to the hotline are reimbursed.