HUK24 AG
HUK24
HUK24 is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
The insurer can issue a cost-guarantee letter to foreign hospitals where required and handles direct billing with the hospital on the policyholder's behalf for inpatient stays, so the insured does not always need to pay out of pocket first.
Geographic scope
Worldwide, excluding Germany and the country of the insured's permanent residence
Tariffs RVU20/RBU20 cover worldwide travel including the USA and Canada. Tariffs RVL20/RBL20 exclude the USA and Canada, except for transit stopovers under 24 hours with a connecting flight or continuing travel on the same flight number. Germany and countries of permanent residence are never considered 'abroad'.
Starting price
€15
Indicative — pricing assumptions not stated
Unique selling points
- No deductible: all covered medical costs abroad are reimbursed in full without any standard self-participation.
- Free choice of any licensed doctor, dentist, or recognized alternative therapist abroad, including Heilpraktiker, chiropractors, physiotherapists, and osteopaths.
- Search, rescue, or recovery costs abroad are included up to 10,000 EUR at no extra charge.
- A 24/7, 365-day emergency line provides cost-guarantee letters, direct hospital billing, and an interpreter service during hospital stays.
- The family tariff covers the policyholder plus spouse/partner and unmarried children up to age 21 under a single combined premium.
Coverage limits
Medical treatment costs abroad
Covered
Reimburses medically necessary treatment costs abroad for illness, accident consequences, worsening of an existing illness, and certain pregnancy-related events. No fixed monetary ceiling is stated; the insurer may reduce benefits to a reasonable amount if treatment exceeds the medically necessary scope or costs are disproportionate.
Emergency and general medical treatment
Covered
Covers medically necessary treatment recognized by conventional medicine, and also treatment methods that have proven equally successful in practice or are used where no conventional methods are available; benefits may be reduced to the cost of the conventional alternative.
Inpatient hospital treatment
Covered
Covers physician services and hospital services including nursing, accommodation and meals, with free choice among hospitals under permanent medical direction with adequate diagnostic facilities. Additional costs for an accompanying person and parental hospital visits for unaccompanied children are covered under specific conditions. Instead of reimbursement, insureds may elect a hospital daily allowance of 30 EUR per full day of inpatient treatment.
Outpatient medical treatment
Covered
Covers costs of medically necessary outpatient treatment, including acute psychological care after traumatic events, plus medically prescribed bandaging materials and medicines obtained from an officially licensed dispensary.
Emergency dental treatment
Covered
Covers pain-relief dental treatments, medically necessary simple fillings and temporary dentures (provisorien), and medically necessary repairs of existing dentures. New inlays, definitive dentures (crowns, partial crowns, implants), orthodontic treatment and gnathological therapy are excluded.
Medical transport to treatment
Covered
Covers medically necessary transport to the nearest suitable doctor or hospital for initial treatment, onward transport for further care, and transport immediately after treatment back to the last accommodation or, for cruises, the last mooring point.
Medical repatriation to Germany
Conditional
The insurer organizes and pays repatriation to the insured's permanent residence (or nearest suitable hospital) if repatriation is medically sensible and justifiable, if expected foreign treatment costs exceed repatriation costs, or if the attending physician forecasts a hospital stay abroad exceeding 14 days. Costs for an escort are covered for minors, mobility-impaired insureds, or where required by medical necessity, authorities, or the carrier. Costs are reimbursed without deduction for any saved return-travel expense.
Repatriation or burial in case of death
Covered
Covers the costs of repatriating a deceased insured to their permanent residence in Germany. If burial takes place abroad instead, costs are reimbursed up to the amount that a repatriation would have cost.
Search, rescue or recovery costs
€10,000
Reimburses search, rescue or recovery costs incurred abroad due to illness, accident consequences or death, up to a maximum of 10,000 EUR.
COVID-19 treatment
No limit stated
No specific mention of COVID-19 treatment was found in the AVB or the HUK24 product page; it would fall under the general illness treatment coverage but is not separately addressed.
Pre-existing conditions
Conditional
The worsening of an existing illness is an insured event and is covered. However, treatment abroad is excluded if its necessity was already established before departure and it results from an illness already diagnosed before the trip began — unless the trip was undertaken due to the death of a spouse, partner, or first-degree relative.
Winter sports cover
Not established from the reviewed documents
No mention of winter sports cover was found in the AVB or on the HUK24 product page.
Adventure sports cover
Not established from the reviewed documents
No mention of adventure sports cover was found in the AVB or on the HUK24 product page.
Pregnancy complications and childbirth
Conditional
Covers medically necessary examinations and treatment for pregnancy complications, deliveries up to the end of the 36th week (premature birth), miscarriages, and emergency terminations. If the pregnancy began after cover started, prenatal check-ups and deliveries after the 36th week are additionally covered. Treatment is excluded if the insured was already pregnant before cover began.
Personal liability abroad
No limit stated
No personal liability cover was found in the AVB or on the HUK24 product page; this product is limited to medical/travel-health benefits.
Legal assistance abroad
No limit stated
No legal assistance/legal protection cover was found in the AVB or on the HUK24 product page.
24/7 emergency assistance line
Covered
A telephone emergency contact is available 365 days a year, reachable from abroad at +49 69 66 555 44, providing benefit information, physician/clinic referrals, an interpreter service during hospital stays, contact coordination between home and treating doctors, notification of relatives/employer, cost-guarantee issuance, and organization of repatriation.
Key conditions
Assistance call deadline
No fixed hour deadline for calling the 24h emergency contact is stated in the AVB, but coordination with the emergency contact is required to secure cost-guarantee coverage for hospital admission and repatriation.
Unauthorized treatment
If the policyholder intentionally violates duties (e.g. providing required information or undergoing a requested medical examination), the insurer is not liable to pay. Grossly negligent breaches can lead to a proportional reduction of the benefit, up to full loss of the claim.
Purchase while abroad
The contract must be concluded before departure and can only be taken out while in Germany; purchase while already abroad is not possible.
Chronic conditions
Worsening of an existing (including chronic) illness is an insured event and covered, but treatment is excluded if its necessity was already established before departure due to an illness diagnosed before the trip, unless the trip followed the death of a close relative.
Pregnancy
Pregnancy complications, premature births up to the 36th week, miscarriages and emergency terminations are covered from the start of cover. Routine prenatal care and deliveries after the 36th week are covered only if the pregnancy began after cover started; treatment is excluded if pregnancy predated the start of cover.
Pre-existing condition exclusions
Deterioration of a pre-existing illness is covered as an insured event, but treatment whose necessity was already apparent before departure, arising from a condition diagnosed before the trip, is excluded (except when the trip was prompted by the death of a close relative).
Coverage duration limit
Standard annual tariffs (RVE20/RBE20 individual, RVF20/RBF20 family) cover up to 56 days (8 weeks) per individual trip, with an unlimited number of trips during the 12-month contract; the 56-day clock resets on each new trip after returning to Germany. Long-term single-trip tariffs (RVL20/RBL20, RVU20/RBU20) cover a single trip of up to 365 days; an extension can be requested before the originally agreed end date, but total trip duration may not exceed one year.
Where to buy
Policy specifics
Medical repatriation to Germany
Covers costs for medically necessary and reasonable return transport to Germany if treatment in home country is appropriate
SourcePain relief dental treatment
Covers pain relief dental treatments, simple medically necessary fillings, and repairs to existing dental prosthetics
SourcePrescription medicines and medical supplies
Covers costs for medically prescribed medicines, bandaging materials, and medical aids prescribed abroad
SourcePrivate patient hospital accommodation
Insured person is admitted as private patient in foreign hospitals; all associated costs covered
SourceFree choice of physician
Insured can consult any licensed physician or dentist in the destination country; full cost reimbursement for reasonable treatment
SourceMaximum trip duration (standard policy)
Standard annual policy covers up to 56 days per individual trip; unlimited number of trips within 12-month contract period
SourceWorldwide coverage excluding Germany
Coverage applies worldwide and 24/7; excludes trips within Germany and countries where insured has permanent residence
Source24-hour emergency support contact
Round-the-clock emergency support line available globally for medical advice, physician referral, and coordination of repatriation
SourceNo deductible (self-participation)
Policy includes no standard deductible; all covered medical costs are reimbursed at full amount (subject to reasonableness for destination)
SourceClaims submission requirements
Insured must submit original invoices and payment receipts with claims form after return to Germany; direct billing to insurer possible by arrangement
Source