Mecklenburgische Insurance Company on a Mutual Basis (Mecklenburgische Versicherungs-Gesellschaft auf Gegenseitigkeit)
Mecklenburgische
Mecklenburgische is a travel insurance for the Germany market with no online purchase and 24/7 assistance.
Direct payment
If the insured contacts the 24-hour emergency hotline before or upon hospital admission and the hotline arranges the hospital, Mecklenburgische settles hospital costs directly with no advance payment by the insured; if the insured chooses their own hospital without contacting the hotline, costs are reimbursed only after the insured has paid in advance.
Geographic scope
Worldwide
Coverage applies worldwide for insured events occurring during a covered trip abroad; "abroad" means any country where the insured person has no permanent residence and does not pursue regular professional activity. Germany does not count as abroad.
Starting price
€16
Indicative — pricing assumptions not stated
Unique selling points
- One annual policy from just €16 covers every foreign trip up to 8 weeks without needing a separate application per trip.
- A family tariff from €40 per year covers up to 7 household members including children under 25, priced solely on the age of the oldest insured person.
- No upper age limit for enrollment — even travelers aged 75 and older can be insured, from €96 per year.
- Hospital costs are settled directly with no out-of-pocket payment whenever the 24-hour hotline arranges the treating hospital.
- Claims receipts can be submitted quickly and conveniently via the insurer's 'Hallo ME' mobile app.
Coverage limits
Medical expenses
Covered
100% of expenses for outpatient and inpatient medical treatment abroad (doctors, hospital, operations, medicines, dressings, aids after accident) is reimbursed; no monetary cap is stated in the source.
Outpatient/emergency medical treatment
Covered
100% of costs for physician services, medicines, dressings, aids required due to an accident abroad, and physiotherapy are reimbursed; no monetary cap stated.
Hospitalization
Covered
100% of costs for physician services and hospital services including nursing, accommodation and meals are reimbursed for medically necessary inpatient treatment abroad; no monetary cap stated.
Outpatient treatment
Covered
100% of expenses for outpatient physician treatment, medicines, dressings and accident-related aids are reimbursed; no monetary cap stated.
Emergency dental treatment
Covered
100% of costs for pain-relieving dental treatment including simple fillings, provisional crowns/removable dentures, and repairs to existing dentures are reimbursed; limited to restoring chewing ability, not new dentures, orthodontics, or cosmetic work.
Medical transport to nearest hospital
Covered
100% of costs for medically necessary transport or transfer to the nearest reachable doctor or hospital by recognized rescue services for initial treatment after an accident or emergency are reimbursed; no monetary cap stated.
Medically necessary repatriation
Covered
Mecklenburgische organizes and covers the medically sensible repatriation of the insured to their permanent residence in Germany or the nearest suitable hospital, including costs of a necessary escort; if not organized by the insurer, reimbursement is limited to the costs that would have been incurred had the insurer organized it.
Repatriation of remains / burial abroad
€10,000
If the insured dies abroad, Mecklenburgische reimburses 100% of the immediate costs of repatriating the deceased to their last permanent residence, or the burial costs if buried abroad, up to EUR 10,000.
Search, rescue and recovery costs
€20,000
Costs are reimbursed up to EUR 20,000 in total when the insured person must be searched for, rescued or recovered due to illness, accident or death.
COVID-19 treatment
No limit stated
Not addressed as a distinct benefit in any of the reviewed sources.
Pre-existing conditions
Conditional
Medically necessary treatment for the worsening of an existing illness is treated as an insured event; however, no benefits are paid for treatment that was the sole or a contributing reason for the trip, or for treatment already known before departure to be necessarily required during the planned trip.
Winter sports cover
No limit stated
Not mentioned as a distinct benefit or exclusion in any of the reviewed sources.
Adventure sports cover
No limit stated
Not mentioned as a distinct benefit or exclusion in any of the reviewed sources.
Pregnancy complications
Covered
Costs are reimbursed if the insured must be examined and/or treated by a doctor due to pregnancy complications, suffers a miscarriage, gives birth before the 37th week of pregnancy, or must terminate the pregnancy for medical reasons; no monetary cap stated.
Personal liability
No limit stated
Not included in the benefit catalogue (Nr. 13) and not mentioned elsewhere in the reviewed sources.
Legal assistance
No limit stated
Not included in the benefit catalogue (Nr. 13) and not mentioned elsewhere in the reviewed sources.
24/7 emergency assistance hotline
Covered
A 24-hour emergency service reachable 365 days a year is provided, including naming/arranging doctors and hospitals abroad, medical information and advice, doctor-to-doctor consultation, primary/transfer/repatriation transport, help with search and rescue, funeral/repatriation arrangements in case of death, emergency notification, and help asserting insurance claims.
Key conditions
Assistance call deadline
There is no strict deadline stated, but it is strongly recommended to call the 24-hour emergency hotline before or upon hospital admission, and especially before repatriation, to secure direct cost settlement and avoid benefit limitations.
Unauthorized treatment
If the insured selects their own hospital without contacting the hotline, costs are reimbursed only after advance payment rather than settled directly; if a repatriation is not organized by Mecklenburgische, reimbursement is limited to the costs that would have been incurred had the insurer organized it.
Purchase while abroad
The application and SEPA direct debit mandate must reach Mecklenburgische in text form before the insured person departs from Germany, and cover cannot begin before crossing the border out of Germany, so the policy cannot be purchased while already abroad.
Chronic conditions
Medically necessary treatment for the worsening of an existing (chronic) illness is treated as an insured event and covered, unless the treatment was the sole or a contributing reason for undertaking the trip, or it was already certain before departure that it would be needed during the planned trip.
Pregnancy
Costs are covered if the insured must be examined/treated for pregnancy complications, suffers a miscarriage, gives birth before the 37th week of pregnancy, or must terminate the pregnancy for medical reasons.
Pre-existing condition exclusions
Worsening of a pre-existing condition is an insured event and is covered; however, no benefits apply to treatment that was the reason for the trip or that was already known before departure to be necessarily required during the trip (with an exception for trips undertaken due to the death of a close family member requiring repatriation or burial).
Coverage duration limit
Cover applies for the first 8 weeks of each foreign trip taken within the one-year insurance year; the contract itself runs for one year and renews automatically unless cancelled one month before the end of the insurance year.
Policy specifics
Medical repatriation and transport
Organization and cost coverage of medically necessary return transport to Germany or burial abroad up to EUR 10,000
SourceRescue and recovery costs
Coverage up to EUR 20,000 for search, rescue, and recovery of insured person
SourceEmergency dental treatment
Coverage for pain-relieving dental treatment and provisional dental replacement during travel
SourceMaximum trip duration
Worldwide coverage is valid for each trip up to a maximum of 8 weeks duration
Source24-hour emergency notification
Mandatory contact with 24-hour emergency service for cost assumption in hospitals; available 365 days per year at +49-511-5351-888
SourceAutomatic contract renewal
Contract is concluded for one year and continues automatically if not cancelled one month before expiry
Source