Münchener Verein Versicherungsgruppe (comprising Münchener Verein Krankenversicherung a.G., Münchener Verein Lebensversicherung AG and Münchener Verein Allgemeine Versicherungs-AG)

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.

Medical return transport

Costs for medically necessary and reasonable return transport from abroad to Germany are covered

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

Dental services

Dental services including provisional dentures are covered as part of the insurance

Practitioner-prescribed remedies

Medications, aids and remedies prescribed by alternative practitioners (naturopaths, chiropractors, osteopaths) are covered as part of tariff scope

Physical therapy treatment

Medically prescribed physical treatments including radiation, heat, light, and other physical therapies are covered abroad

Maximum coverage duration per trip

Insurance covers the first 70 days of each foreign travel period during the contract year

Worldwide coverage

Protection applies worldwide for all foreign travel countries; no specific regions excluded

No health assessment required

Policy can be concluded without medical examination or health questionnaire

No deductible/self-participation

Policyholder bears no deductible or co-payment for covered services

24-hour emergency support line

Round-the-clock emergency assistance available 365 days a year for illness or emergency abroad

Cost reimbursement method

Costs are reimbursed to policyholder after submission of original receipts following end of travel

Annual automatic renewal

Annual policy automatically renews unless cancelled in writing one month before expiration

Treatment purpose exclusion

For foreign travel undertaken primarily or solely for medical treatment, coverage does not apply

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