HUK-COBURG Haftpflicht-Unterstützungs-Kasse kraftfahrender Beamter Deutschlands a. G.
HUK-COBURG
HUK-COBURG is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
For inpatient hospital treatment HUK-COBURG issues a cost-coverage guarantee to the hospital and settles the bill directly on the customer's behalf; for other treatments the customer pays first and submits original invoices and payment proofs for reimbursement.
Geographic scope
Worldwide for tariffs RVU20/RBU20; worldwide excluding USA and Canada for tariffs RVL20/RBL20 (except transit stays), always excluding Germany and any country where the insured has a permanent residence.
Coverage applies only outside Germany and outside any country of permanent residence of the insured. RVL20/RBL20 exclude the USA and Canada except for transit stopovers with the same flight number or connecting flights under 24 hours.
Starting price
€120
Indicative — pricing assumptions not stated
Unique selling points
- Worldwide travel medical cover with no deductible retained from benefits.
- Long-term protection for a single trip of up to 365 consecutive days, ideal for gap years, au-pairs and study abroad.
- 24h emergency telephone contact available 365 days a year for assistance, cost-guarantees to hospitals and repatriation organization.
- Unmarried children can be co-insured up to age 21, more generous than many competitors' age limits.
- Quick and unbureaucratic application process that can be completed online shortly before departure.
Coverage limits
Medical expenses
Covered
Covers medically necessary treatment costs for illness or accident abroad with no stated aggregate sum insured cap and no deductible retained from benefits.
Emergency medical treatment
Covered
Free choice of any locally licensed doctor or therapist for emergency and acute treatment abroad, including acute psychological care after traumatic events.
Hospitalization
Covered
Covers physician and hospital costs including nursing, accommodation and meals for inpatient treatment; insured is treated as a private patient; a hospital daily allowance of 30 EUR/day is available if full reimbursement is waived.
Outpatient treatment
Covered
Covers medically necessary outpatient treatment costs, including medications, dressings, physical-medical therapies (e.g. physiotherapy, inhalations) and simple medical aids first needed on the trip.
Emergency dental treatment
Covered
Covers pain-relief dental treatments, medically necessary simple fillings, provisional dentures and repairs of existing dentures; excludes new inlays, permanent dentures, crowns, implants and orthodontic treatment.
Medical transport
Covered
Covers medically necessary transport to the nearest suitable doctor or hospital for initial care, onward transport for further treatment, and return transport to the last accommodation or ship berth after treatment.
Medical repatriation
Conditional
HUK-COBURG organizes and pays for repatriation to the permanent residence (or nearest suitable hospital) if medically sensible and justifiable, and either treatment costs abroad exceed transport costs or hospitalization is expected to exceed 14 days; companion costs are covered for minors or mobility-impaired insureds.
Repatriation of remains / burial abroad
Covered
Covers the costs of repatriating a deceased insured to their permanent residence; if buried abroad instead, reimburses burial costs up to the amount repatriation would have cost.
Search, rescue or recovery
€10,000
Reimburses costs for search, rescue or recovery abroad due to illness, accident or death, up to a maximum of 10,000 EUR.
COVID-19 treatment
No limit stated
The AVB does not separately mention COVID-19 or pandemic treatment; general illness treatment provisions would apply but no explicit statement was found.
Pre-existing conditions
Excluded
No benefits are paid for treatments whose necessity was already established through medical diagnosis before the trip started, unless the trip was undertaken due to the death of a spouse/partner or first-degree relative.
Winter sports cover
No limit stated
No specific mention of winter sports cover was found in the AVB.
Adventure sports cover
No limit stated
No specific mention of adventure/extreme sports cover was found in the AVB.
Pregnancy complications
Conditional
Covers necessary treatment for pregnancy complications, deliveries up to the end of the 36th week (premature birth), miscarriages and emergency abortions; if pregnancy began after coverage started, prenatal check-ups and delivery after the 36th week are also covered; excluded if the insured was already pregnant before coverage began.
Personal liability
No limit stated
No personal liability cover is mentioned in the AVB for this travel medical product.
Legal assistance
No limit stated
No legal assistance/legal protection cover is mentioned in the AVB for this travel medical product.
24/7 assistance
Covered
A telephone 24h contact is available 365 days a year for information on benefits, doctor/clinic referrals, interpreter service, cost-guarantee coordination with hospitals and organization of repatriation.
Key conditions
Assistance call deadline
No fixed call-in time limit is stated in the AVB; however, repatriation is only organized and paid for by HUK-COBURG if coordinated with the 24h emergency contact.
Unauthorized treatment
HUK-COBURG may reduce benefits to a reasonable amount if treatment exceeds the medically necessary extent or if costs are disproportionate to the benefits provided.
Purchase while abroad
The policy cannot be taken out while abroad; the application must be submitted from Germany before departure, and the date the application is received by HUK-COBURG is decisive.
Chronic conditions
Worsening of an existing (including chronic) illness is an insured event, but treatments whose necessity was already medically established before the trip are excluded from cover.
Pregnancy
Pregnancy complications, premature births up to week 36, miscarriages and emergency abortions are covered; if the pregnancy began after coverage started, prenatal care and delivery after week 36 are also covered.
Pre-existing condition exclusions
No benefits are paid for treatment where the medical necessity was already diagnosed and established before the trip began, except when the trip was made due to the death of a close relative.
Coverage duration limit
The contract runs for the agreed single trip duration, with a maximum of 365 days; it can be extended during the trip before the originally agreed end date, but total trip duration may not exceed one year.
Documents
General Terms and Conditions (AVB) for Long-Term Travel Medical Insurance (APTBR20L)
Terms & conditions
Policy specifics
Medical repatriation / Krankenrücktransport
Coverage for medically necessary repatriation to Germany when medically justified, subject to conditions
SourcePain-relief dental treatment
Coverage includes pain-relief dental treatments and necessary fillings related to emergency dental care
SourceMedications and medical supplies
Coverage for medically prescribed pharmaceuticals, therapeutic supplies, and dressing materials
SourcePrivate patient hospital treatment
Insured persons are treated as private patients in hospital; all associated costs are covered by the insurance
SourceFree choice of physician
Insured persons have freedom to choose any physician abroad without network restrictions
SourceCompanion care and support for dependent children
When a minor child requires hospitalization, costs for a medically necessary companion are covered
SourceTravel duration limit for annual policy
Standard annual policy covers maximum 56 days per trip; multiple trips within contract year are allowed, each reset to 56 days
SourcePre-existing condition exclusion
Coverage excludes treatments for conditions that were diagnosed before trip departure and for which treatment was planned before departure
SourceMedical justification requirement for repatriation cost coverage
Repatriation costs covered only when medically justified (Rücktransport teurer als Behandlung) or when hospitalization likely to exceed 14 days
SourceUSA/Canada geographic exclusion (long-term variant)
Long-term variant (RVL20/RBL20 tariffs) excludes coverage in USA and Canada, except for transit stays
SourceEnrollment must occur before departure from Germany
Application submission must occur before departure from Germany; no enrollment possible from abroad
SourcePermanent German residency requirement
Coverage limited to persons with permanent residence in Germany; persons living permanently abroad are excluded
SourceTravel duration limit for the long-term variant
This long-term tariff covers a single trip of up to 365 days; the contract is concluded for the agreed trip duration and can be extended before the original end date, but total trip duration may not exceed one year. The minimum premium corresponds to 57 travel days.
Source