Münchener Verein Travel insurance (Reisekrankenversicherung 501 502)
Underwritten by Münchener Verein Krankenversicherung a.G. · Germany
travel insurance from Münchener Verein for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2025-05Sources
Key facts
- Münchener Verein
- Starting price: €15.90per yearAs published by the insurer — it does not say who the price is for
Unique selling points
Rated 'sehr gut' (very good) by Finanztest in a comprehensive test of 88 travel health tariffs and named 'Bester Auslandsreisekrankenschutz für Singles' by Focus-Money.
Can be taken out online without any health check and without an upper age limit, right up until the day of departure, with benefits starting from day one.
Uniquely covers remedies and treatments prescribed not only by doctors but also by Heilpraktiker, chiropractors and osteopaths, a scope many competitors exclude.
Includes a free 24/7 travel emergency hotline plus a complimentary health hotline and health portal at no extra cost.
Coverage limits
Outpatient/general medical treatment costs
unlimited
100% reimbursement of eligible costs for medically necessary outpatient treatment, physician-prescribed medicines, bandages and remedies (incl. those prescribed by Heilpraktiker/chiropractors/osteopaths), with no fixed sum insured cap stated.
Section: § 5 Umfang der Leistungspflicht
Erstattungsfähig sind die Aufwendungen für a) ambulante Heilbehandlung, b) ärztlich verordnete Arznei- und Verbandmittel,
Emergency medical treatment for illness or accident
unlimited
Covers medically necessary treatment abroad for an unforeseen illness or accident, including physician and hospital treatment, at 100% of eligible costs.
Section: § 1 Gegenstand, Umfang und Geltungsbereich des Versicherungsschutzes
Versichert ist die medizinisch notwendige Heilbehandlung einer versicherten Person wegen Krankheit oder Folgen eines Unfalles.
Inpatient/hospital treatment
unlimited
Stationary treatment including operations, accommodation and meals in hospital are reimbursed at 100%; accommodation/meals for an accompanying person are also covered if the hospitalized insured is a minor.
Section: § 5 Umfang der Leistungspflicht
stationäre Behandlung (einschließlich Operationen), Verpflegung und Unterkunft im Krankenhaus,
Outpatient treatment
unlimited
Ambulatory/outpatient medically necessary treatment abroad is reimbursed at 100% of eligible costs, with free choice of licensed doctors, dentists, Heilpraktiker, chiropractors and osteopaths in the country of stay.
Section: § 5 Umfang der Leistungspflicht
ambulante Heilbehandlung,
Emergency/pain-relief dental treatment
Not established from the insurer's documents
Pain-relieving conservative dental treatment, fillings and basic provisional dentures are covered at 100%, plus repairs to existing dentures; only in simple/basic design, not full dental restoration.
Section: 2. Was ist versichert?
Schmerzstillende Zahnbehandlung einschließlich Zahnfüllungen sowie provisorischer Zahnersatz – jeweils in einfacher Ausführung – sowie Reparaturen von vorhandenem Zahnersatz
Local medical transport to hospital/first-aid facility
unlimited
Covers the medically necessary transport to the nearest suitable first-aid facility or hospital, any onward transfer, and the transport back to accommodation, at 100% of eligible costs.
Section: § 5 Umfang der Leistungspflicht
Kosten des Transports vom und zum nächsten geeigneten Krankenhaus bei stationärer Behandlung,
Medically sensible return transport to Germany
unlimited
Costs of a medically sensible and justifiable return transport of the insured person to their permanent residence in Germany (or nearest suitable hospital) are covered at 100%, including costs for an accompanying person if separately insured for this benefit; the most cost-effective transport method must be used where medically possible.
Section: § 5 Umfang der Leistungspflicht
die Kosten eines medizinisch sinnvollen und vertretbaren Rücktransports der versicherten Person wegen Krankheit oder Folgen eines Unfalles aus dem Ausland.
Repatriation of remains / burial abroad
unlimited
If the insured person dies abroad, the costs of repatriation to the permanent residence in Germany are reimbursed at 100%; alternatively, burial abroad is covered up to the amount that a repatriation to Germany would have cost. No fixed euro cap is stated for Tarif 501/502.
Section: § 5 Umfang der Leistungspflicht
die Kosten einer Beisetzung der versicherten Person im Ausland bis zu der Höhe, die bei einer Überführung nach Deutschland angefallen wären.
Search, rescue and recovery costs
€10K
Search, rescue and recovery costs due to a medical emergency or death are covered up to EUR 10,000.
Section: Unsere Tarife > Weitere Vorteile > Such-, Rettungs- und Bergungskosten
Such-, Rettungs- und Bergungskosten wegen eines medizinischen Notfalls oder Tod bis max. 10.000 €.
COVID-19 treatment
No limit stated
Not explicitly addressed as a separate benefit in the reviewed sources.
Pre-existing/already diagnosed conditions
Excluded
Excluded if, at the start of the trip, a previously diagnosed illness made it foreseeable that treatment would be needed during the planned trip; an exception applies for costs necessary to avert acute danger to life due to worsening during the trip, but not for repatriation/burial costs in that case.
Section: § 6 Einschränkung der Leistungspflicht
für Heilbehandlungen, von denen bei Reiseantritt durch eine bereits ärztlich diagnostizierte Erkrankung feststand, dass sie bei planmäßiger Durchführung der Reise stattfinden müssen.
Pregnancy complications, premature birth, miscarriage
unlimited
Medically necessary treatment for pregnancy complications, premature births up to the end of the 36th week of pregnancy, miscarriages and medically necessary termination of pregnancy is covered at 100%; routine prenatal care and normal delivery are not covered.
Section: § 1 Gegenstand, Umfang und Geltungsbereich des Versicherungsschutzes
Versichert sind auch medizinisch notwendige Heilbehandlungen wegen Schwangerschaftskomplikationen, Frühgeburten bis zum Ende der 36. Schwangerschaftswoche, Fehlgeburten und ein medizinisch notwendiger Schwangerschaftsabbruch.
Personal liability abroad
No limit stated
Not offered/mentioned as part of this travel health product in the reviewed sources.
Legal assistance abroad
No limit stated
Not offered/mentioned as part of this travel health product in the reviewed sources.
24/7 travel emergency hotline
Not established from the insurer's documents
A free 24/7 travel emergency hotline is available year-round; phone costs incurred contacting the insurer or its emergency service are reimbursed, and a free health hotline/portal is also provided.
Key conditions
Assistance call deadline
The T&Cs do not specify a fixed deadline (e.g., a number of hours) within which the 24-hour emergency hotline must be contacted; policyholders should contact the emergency service as soon as possible in the event of hospitalization or serious illness.
Unauthorized treatment
No fixed monetary penalty is defined for failing to notify the insurer before treatment; however, breaching the disclosure/cooperation duties (§§10–11 AVB) can result in partial or total loss of benefits.
Purchase while abroad
The policy can only be concluded before the start of the trip abroad; a retroactive purchase or purchase while already travelling abroad is not permitted.
Chronic conditions
Chronic or pre-existing conditions are only covered if an acute, unforeseeable deterioration occurs during the trip requiring immediate treatment; treatment that was already foreseeable or planned before departure is excluded.
Pregnancy
Medically necessary treatment for pregnancy complications, premature births up to the end of the 36th week, miscarriages, and medically necessary termination of pregnancy are covered; routine prenatal check-ups and normal childbirth are not covered.
Pre-existing condition exclusions
Treatment is excluded if it was already foreseeable at the start of the trip, based on a prior medical diagnosis, that treatment would be needed during the planned trip; an exception exists for costs required to avert acute danger to life.
Coverage duration limit
Cover applies to the first 70 days of each stay abroad within the contract year; it ends with the end of the trip, the 70th day, or the end of the contract, whichever occurs first, and is extended only if the return trip is medically impossible.
Direct payment
Outpatient costs are generally paid by the insured and reimbursed on original receipts after the trip; for hospital treatment the 24h emergency service can issue a cost guarantee to the hospital.
Territorial scope
Coverage applies to all temporary trips abroad; no coverage exists in any country where the insured person has a permanent residence or habitual place of abode. Germany does not count as abroad.
Documents
General Terms and Conditions (AVB) – ReisekrankenVersicherung Tarif 501/502 (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document (IPID) (opens in a new tab)
Product information sheet · PDF
Produktinformationsblatt / Benefits Summary (opens in a new tab)
Table of benefits · PDF
Policy specifics
Medical return transport
Costs for medically necessary and reasonable return transport from abroad to Germany are covered
SourceClause § 5.2 a)Page Seite 3 von 9Section: § 5 Umfang der Leistungspflicht
die Kosten eines medizinisch sinnvollen und vertretbaren Rücktransports der versicherten Person wegen Krankheit oder Folgen eines Unfalles aus dem Ausland.
Pregnancy and childbirth coverage
Medical treatment for pregnancy complications, premature births up to end of 36th week, miscarriage, and medically necessary termination of pregnancy are covered
SourceClause § 1.2Page Seite 2 von 9Section: § 1 Gegenstand, Umfang und Geltungsbereich des Versicherungsschutzes
Versichert sind auch medizinisch notwendige Heilbehandlungen wegen Schwangerschaftskomplikationen, Frühgeburten bis zum Ende der 36. Schwangerschaftswoche, Fehlgeburten und ein medizinisch notwendiger Schwangerschaftsabbruch.
Dental services
Dental services including provisional dentures are covered as part of the insurance
SourceClause § 5.1 h), i)Page Seite 3 von 9Section: § 5 Umfang der Leistungspflicht
schmerzstillende Zahnbehandlung einschließlich Zahnfüllungen sowie provisorischer Zahnersatz - jeweils in einfacher Ausführung -, [...] Reparaturen von vorhandenem Zahnersatz,
Practitioner-prescribed remedies
Medications, aids and remedies prescribed by alternative practitioners (naturopaths, chiropractors, osteopaths) are covered as part of tariff scope
SourcePhysical therapy treatment
Medically prescribed physical treatments including radiation, heat, light, and other physical therapies are covered abroad
SourceMaximum coverage duration per trip
Insurance covers the first 70 days of each foreign travel period during the contract year
SourceClause § 1.3Page Seite 2 von 9Section: § 1 Gegenstand, Umfang und Geltungsbereich des Versicherungsschutzes
Versichert sind die ersten 70 Tage des Aufenthaltes im Ausland.
Worldwide coverage
Protection applies worldwide for all foreign travel countries; no specific regions excluded
SourceClause § 1.1Page Seite 2 von 9Section: § 1 Gegenstand, Umfang und Geltungsbereich des Versicherungsschutzes
Wir bieten im Ausland Versicherungsschutz für Krankheiten, Folgen eines Unfalles und Tod.
No health assessment required
Policy can be concluded without medical examination or health questionnaire
SourceNo deductible/self-participation
Policyholder bears no deductible or co-payment for covered services
Source24-hour emergency support line
Round-the-clock emergency assistance available 365 days a year for illness or emergency abroad
SourceCost reimbursement method
Costs are reimbursed to policyholder after submission of original receipts following end of travel
SourceAnnual automatic renewal
Annual policy automatically renews unless cancelled in writing one month before expiration
SourceTreatment purpose exclusion
For foreign travel undertaken primarily or solely for medical treatment, coverage does not apply
SourceClause § 6.1 a)Page Seite 4 von 9Section: § 6 Einschränkung der Leistungspflicht
soweit Behandlungen im Ausland der alleinige Grund oder einer der Gründe für den Antritt der Reise waren;
Eligibility requirements
Only persons with permanent residence in Germany who already hold qualifying statutory (GKV) or private (PKV) full health insurance may take out this policy
SourceSources
- muenchener-verein.dehttps://www.muenchener-verein.de/fileadmin/mediadb/PDFs/AVB-Endkundenrechner/ARKV/ARKV_T501T502_Bedingungen_MuenchenerVerein_PKV-Zusatz_AuslandsreiseKV_01.pdf#page=2(opens in a new tab)
- muenchener-verein.dehttps://www.muenchener-verein.de/fileadmin/mediadb/PDFs/AVB-Endkundenrechner/ARKV/ARKV_T501T502_Bedingungen_MuenchenerVerein_PKV-Zusatz_AuslandsreiseKV_01.pdf#page=21(opens in a new tab)
- muenchener-verein.dehttps://www.muenchener-verein.de/fileadmin/mediadb/PDFs/AVB-Endkundenrechner/ARKV/ARKV_T501T502_Bedingungen_MuenchenerVerein_PKV-Zusatz_AuslandsreiseKV_01.pdf#page=3(opens in a new tab)
- muenchener-verein.dehttps://www.muenchener-verein.de/fileadmin/mediadb/PDFs/AVB-Endkundenrechner/ARKV/ARKV_T501T502_Bedingungen_MuenchenerVerein_PKV-Zusatz_AuslandsreiseKV_01.pdf#page=4(opens in a new tab)
- muenchener-verein.dehttps://www.muenchener-verein.de/privatkunden/gesundheit/auslandsreise-krankenversicherung/(opens in a new tab)
- reisepolice.comhttps://www.reisepolice.com/uploads/media/reiseversicherung/muenchener-verein/jahres-reisekrankenversicherung/tarif-501-502/produktinformation.pdf#page=1(opens in a new tab)
Münchener Verein Travel insurance