INTER Versicherungsverein aG (INTER Insurance Group)

INTER reimburses 100% of medically necessary and reasonable treatment costs for acute illness or accident abroad, with no deductible.

Physician services for acute illness or accident abroad are covered at 100%, including treatment by doctors, dentists, alternative practitioners, chiropractors and osteopaths of the insured's choice.

Inpatient hospital treatment (physician services, nursing, accommodation, meals) is reimbursed at 100%; alternatively, insured persons can choose a hospital daily cash benefit of EUR 30 per day if they waive hospital services.

Outpatient physician services, prescribed medicines and dressings, remedial treatments (radiation, heat, light therapy), and psychotherapy after traumatic events are reimbursed at 100%; preventive check-ups and vaccinations are not covered.

Pain-relieving dental treatment and simple fillings, plus urgently necessary repairs of dentures/orthodontic appliances, are reimbursed at 100%; the new manufacture of dentures, crowns or orthodontic appliances is not covered.

Necessary transport to the nearest available doctor or hospital for initial outpatient care after an accident, and transport to the nearest suitable hospital including medically necessary transfer between hospitals, is covered in full.

Repatriation is covered when medically necessary or sensible/economically justified (e.g. treatment standards abroad are inadequate, hospitalization would exceed 14 days, or repatriation costs are lower than further treatment abroad). If organized by INTER's medical service, costs are reimbursed in full without limit; otherwise reimbursement is capped at EUR 5,000 for repatriation from within Europe and EUR 10,000 from outside Europe.

If the insured dies abroad, costs of repatriation to Germany, Switzerland or the EEA state of last habitual residence are reimbursed at 100%; if not repatriated, local burial costs up to the equivalent repatriation cost are covered, plus travel costs (economy class) for a relative to attend the funeral.

If an insured person falls ill or is injured abroad and must be searched for, rescued or recovered by a rescue service, costs are reimbursed up to EUR 10,000.

INTER's ReiseAV terms (AVB) do not list pandemics as a general exclusion, so COVID-19 illness is treated like any other acute illness abroad: 100% of medically necessary treatment and return transport costs are covered without deductible. A pandemic-related travel warning is explicitly not an exclusion ground, unlike war-event warnings.

Cover only applies to illnesses/accidents occurring acutely abroad; treatments that were foreseeable/planned at the time the trip was booked, or that were the reason for the trip, are excluded.

Accidents during winter sports activities (e.g. skiing) are covered under the standard 100% medical expense reimbursement, with no sports-related exclusion in the terms.

Unlike many competitors, INTER does not exclude accidents from extreme sports, explicitly including diving accidents, within the standard cover.

Pregnancy complications, including premature birth before completion of the 36th week of pregnancy, and miscarriage, are treated as insured events and covered; routine pregnancy check-ups and normal childbirth are excluded.