Lippische Travel insurance (Auslandsreise Krankenversicherung)
Underwritten by UKV-Union Krankenversicherung AG (vertrieben durch Lippische Landesbrandversicherung AG) · Germany
travel insurance from Lippische for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2021-12Sources
Key facts
- Lippische
- Starting price: €11.50per yearAs published by the insurer — it does not say who the price is for
Unique selling points
Every holiday trip up to 56 days is covered regardless of activity type — including city breaks, beach holidays, active holidays and even diving trips.
Free choice of doctor abroad when medical treatment is needed.
Customers can use a digital doctor consultation via phone, tablet or laptop while abroad.
A 24-hour emergency call service enables direct cost settlement with hospitals in many holiday destinations.
Coverage limits
Medical treatment costs abroad
Covered
No limit stated
Covers costs of medical treatment abroad; the insured may freely choose the treating doctor. No specific monetary cap is stated in the available sources.
Necessary medical emergency treatment
Covered
Covers medically necessary emergency treatment that arises unexpectedly during the trip; treatment already known to be required before crossing the border is excluded. No fixed sum is stated.
Section: Reiseversicherung im Überblick > Sichern Sie Ihre Reise mit unseren Versicherungen ab – bedarfsgerecht und individuell.
Benötigen Sie auf Ihrer Reise ärztliche Behandlung, können Sie den Arzt frei wählen.
Hospitalization costs
Covered
No limit stated
Covers the costs of hospital stays abroad. No specific monetary cap is stated in the available sources.
Section: Reiseversicherung im Überblick > Sichern Sie Ihre Reise mit unseren Versicherungen ab – bedarfsgerecht und individuell.
Wir übernehmen außerdem die Kosten für Aufenthalte im Krankenhaus und für einen Krankenrücktransport.
Outpatient treatment
Covered
No limit stated
Outpatient medical treatment is covered; the insured can freely choose the doctor. No specific monetary cap is stated.
Emergency dental treatment
Covered
No limit stated
Medically necessary dental treatment abroad is covered as part of emergency medical treatment. No specific monetary cap is stated.
Medical repatriation transport
Covered
No limit stated
Covers medically necessary transport back to Germany, including the cost of an accompanying person where medically justified; direct cost settlement with hospitals is possible in many destinations.
Medical evacuation
No limit stated
Not separately confirmed as a distinct benefit in the available sources for this product.
Repatriation of remains
No limit stated
Not confirmed for this specific product in the available sources (this benefit is described for the bundled Travel-Paket, not the standalone Auslandsreise-Krankenversicherung).
Search, rescue and recovery costs
Not established from the reviewed documents
Not confirmed for this standalone Auslandsreise-Krankenversicherung (AKD/AKE) product in the available sources; this benefit was previously sourced from the bundled Travel-Paket page, which itself does not describe it.
Section: Auslandsreisekrankenversicherung > Unsere Auslandsreisekrankenversicherung: Ihre Vorteile
Bei Krankheit oder Unfall im Ausland sind Sie bestens abgesichert – inklusive ärztlicher Behandlung, Krankenhausaufenthalt und medizinisch notwendigem Rücktransport nach Deutschland.
Pre-existing medical conditions
Excluded
Treatment for conditions that were known and treated within the six months before the insurance was taken out or the trip was booked is excluded, unless the trip was necessitated by the death of a close relative.
Active/adventure holiday cover
Covered
Every holiday trip up to 56 days is covered regardless of activity type — city, beach or active holiday, including diving trips.
Section: Auslandsreisekrankenversicherung > Häufig gestellte Fragen & Downloads
Ja, unsere Auslandskrankenversicherung schützt Sie bei jeder Art von Urlaub, egal ob Sie einen Erholungsurlaub am Strand oder einen aktiven Urlaub in den Bergen verbringen.
24-hour emergency call service
Covered
A 24-hour emergency call service is available; in many holiday destinations it enables direct cost settlement, and customers can also use a digital doctor consultation via phone, tablet or laptop.
Section: Auslandsreisekrankenversicherung > Häufig gestellte Fragen & Downloads
Übrigens : Mit einer Auslandskrankenversicherung der UKV können Sie auch unsere digitale Sprechstunde nutzen und den Arzt bzw. die Ärztin Ihres Vertrauens online kontaktieren:
Key conditions
Assistance call deadline
No fixed deadline is stated; the sources advise contacting the 24-hour emergency call service when direct cost settlement is needed, which is possible in many holiday destinations.
Unauthorized treatment
Not explicitly quantified in the available sources; however, coverage does not apply if the insured travels against medical advice or if the trip is undertaken specifically to obtain medical treatment.
Purchase while abroad
Not specified in the available sources whether the policy can be purchased while already abroad; up to ten persons can be insured under one policy.
SourceSection: Auslandsreisekrankenversicherung > Häufig gestellte Fragen & Downloads > Was kostet eine Auslandsreisekrankenversicherung? > Anzahl der zu versichernden Personen
Sie können bis zu zehn Personen mit einer Police absichern – ideal für Familien oder Reisen in kleinen Gruppen.
Chronic conditions
Chronic diseases are treated under the same pre-existing condition rule: treatment for a condition known and treated within the six months before conclusion of the contract or trip booking is excluded.
Pregnancy
Not specified in the available sources.
Pre-existing condition exclusions
Treatment for conditions known and treated within six months before the insurance was concluded or the trip booked is excluded, except when the trip was necessitated by the death of a close relative.
Coverage duration limit
Each individual trip is covered up to a maximum of 56 days under the annual policy (tariff AKD); longer single trips of up to 365 days require the single-trip tariff (AKE).
Direct payment
Policyholders generally advance the costs for outpatient treatment and medication and are reimbursed afterwards; for hospital stays, direct cost settlement with the hospital is possible in many holiday destinations via the 24-hour emergency call service
Territorial scope
Cover applies to trips abroad; each individual trip is covered up to a maximum of 56 days
Policy specifics
Medical emergency treatment abroad
Coverage for emergency medical treatment including outpatient and inpatient care, medications, and dental treatment when medically necessary
SourceMedical repatriation
Coverage for medically necessary transport back to Germany, including costs for accompanying person if medically justified
SourceSection: Auslandsreisekrankenversicherung > Unsere Auslandsreisekrankenversicherung: Ihre Vorteile
Bei Krankheit oder Unfall im Ausland sind Sie bestens abgesichert – inklusive ärztlicher Behandlung, Krankenhausaufenthalt und medizinisch notwendigem Rücktransport nach Deutschland.
Pre-existing medical conditions exclusion
Treatments for conditions diagnosed and treated within 6 months before insurance purchase or trip booking are not covered, unless trip was booked due to death of immediate family member
SourceTravel against medical advice
Coverage is not provided if policyholder travels against medical advice or if travel is undertaken for the purpose of receiving medical treatment
SourceReimbursement model
Generally policyholders advance costs for outpatient treatment and medications; hospitals may bill directly in many holiday destinations; reimbursement occurs after trip
SourceSection: Auslandsreisekrankenversicherung > Häufig gestellte Fragen & Downloads
In der Regel strecken Sie die Kosten vor, wir erstatten sie Ihnen nachträglich. Wie Sie Ihre Kosten mit uns abrechnen, erfahren Sie hier.
Maximum trip duration
Each individual trip is covered up to a maximum of 56 days per trip for annual policies
SourceSection: Auslandsreisekrankenversicherung > Häufig gestellte Fragen & Downloads
Bei der Jahrespolice sind alle Reisen bis zu einer Dauer von 56 Tagen je Reise versichert.
Sources
- lippische.dehttps://www.lippische.de/content/privatkunden/versicherungen/reiseversicherungen/auslandsreisekranken/(opens in a new tab)
- lippische.dehttps://www.lippische.de/versicherung/reiseversicherung/auslandsreisekrankenversicherung.html(opens in a new tab)
- lippische.dehttps://www.lippische.de/versicherung/reiseversicherung/langzeit-auslandskrankenversicherung.html(opens in a new tab)
- lippische.dehttps://www.lippische.de/versicherung/reiseversicherung/reiseversicherung-travel-paket-jahresschutz.html(opens in a new tab)
Lippische Travel insurance