Lippische Landesbrandversicherung AG
Lippische
Lippische is a travel insurance for the Germany market with online purchase and 24/7 assistance.
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
Geographic scope
Worldwide
Cover applies to trips abroad; each individual trip is covered up to a maximum of 56 days
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.
- Covers search, rescue and recovery costs as well as emergency childcare costs if the insured must return home.
Coverage limits
Medical treatment costs abroad
€100
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.
Hospitalization costs
€100
Covers the costs of hospital stays abroad. No specific monetary cap is stated in the available sources.
Outpatient treatment
€100
Outpatient medical treatment is covered; the insured can freely choose the doctor. No specific monetary cap is stated.
Emergency dental treatment
€100
Medically necessary dental treatment abroad is covered as part of emergency medical treatment. No specific monetary cap is stated.
Medical repatriation transport
€100
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
Covered
Covers costs for search, rescue, or recovery operations. No specific monetary cap is stated in the available sources.
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.
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.
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; the insurance must be taken out separately for each person.
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).
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
SourceSearch, rescue and emergency services
Coverage for costs related to search, rescue, and recovery operations
SourceEmergency child care costs
Coverage for emergency childcare costs if insured person must return home due to medical emergency
SourcePre-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
SourceMaximum trip duration
Each individual trip is covered up to a maximum of 56 days per trip for annual policies
SourceSources
- https://www.lippische.de/content/privatkunden/versicherungen/reiseversicherungen/auslandsreisekranken/
- https://www.lippische.de/content/privatkunden/versicherungen/reiseversicherungen/travelpaket/jahres/
- https://www.lippische.de/versicherung/reiseversicherung/auslandsreisekrankenversicherung.html
- https://www.lippische.de/versicherung/reiseversicherung/langzeit-auslandskrankenversicherung.html
- https://www.lippische.de/versicherung/reiseversicherung/reiseversicherung-travel-paket-jahresschutz.html