NÜRNBERGER Beteiligungs-Aktiengesellschaft (NÜRNBERGER Versicherungsgruppe)
NÜRNBERGER
NÜRNBERGER is a travel insurance for the Germany market with no online purchase and 24/7 assistance.
Direct payment
Insured persons are treated as private patients abroad and generally pay providers directly, then submit original invoices and proof of payment (required for amounts above EUR 50) for reimbursement; medically necessary repatriation transport is organized and paid for directly by the insurer's partner Malteser.
Geographic scope
Worldwide (excluding Germany)
Coverage applies worldwide for trips outside the insured's normal place of residence; Germany itself does not count as abroad.
Unique selling points
- Worldwide cover for an unlimited number of trips per year, each up to 56 days, for one flat annual premium.
- Includes Medgate telemedicine with certified doctors reachable by video chat 24/7, including weekends and holidays.
- Guarantees treatment as a private patient with doctors, dentists and emergency physicians and free choice of doctor and hospital.
- Repatriation is organized directly by professional partner Malteser via a dedicated 24-hour emergency number.
- Very low entry-level annual premium (from EUR 11.90) for individual cover under age 70.
Coverage limits
Medical expenses (outpatient and inpatient)
Not established from the insurer's documents
100% of the costs of medically necessary treatment due to illness or accident during the first 8 weeks of any foreign stay are reimbursed, with no stated monetary cap.
Emergency medical treatment
unlimited
Full costs for ambulant and inpatient treatment of acute illness or accident consequences abroad are covered as a private patient.
Inpatient hospital treatment
Not established from the insurer's documents
Inpatient treatment including operations, ancillary surgery costs, board and lodging in hospital is covered; if a minor child must be hospitalized, accommodation costs of an accompanying person are also reimbursed.
Outpatient treatment
Not established from the insurer's documents
Outpatient medical examinations and treatments, including X-ray diagnostics, medicines and dressings prescribed by an eligible practitioner are covered.
Emergency (pain-relieving) dental treatment
Not established from the insurer's documents
Pain-relieving dental treatment abroad is covered, including necessary fillings and simple provisional dentures and repairs of existing dentures; new dentures, crowns and orthodontics are excluded.
Transport to hospital
Not established from the insurer's documents
Transport to the nearest reachable hospital or emergency doctor for initial inpatient treatment is covered, including any further transport to the nearest suitable hospital.
Medically sensible repatriation transport
unlimited
Repatriation to the permanent residence in Germany is covered whenever medically sensible (not only when strictly necessary); depending on distance and mode of transport this can cost between EUR 1,500 and EUR 120,000, and is organized by Malteser via a 24-hour emergency service.
Repatriation of remains / burial abroad
Not established from the insurer's documents
In the event of death of an insured person, costs for repatriation to Germany or burial at the place of death are covered up to EUR 10,000.
Search, rescue and recovery costs
Not established from the insurer's documents
Costs for search, rescue or recovery of an insured person abroad due to illness, accident or death are covered up to EUR 10,000.
COVID-19 treatment
Not established from the reviewed documents
Not separately addressed in the reviewed documents; general acute-illness treatment coverage would apply.
Pre-existing conditions
Not established from the insurer's documents
No benefit is paid if, at the start of the trip, treatment was already medically indicated and foreseeable to occur during the planned trip, unless the trip was undertaken due to the death abroad of a spouse, partner or first-degree relative.
Winter sports cover
Not established from the reviewed documents
Not separately addressed in the reviewed documents.
Sports/adventure activity cover
Not established from the insurer's documents
General accident and sport injuries during travel (e.g. mountain sport accidents) are treated as ordinary insured events, but no benefit is paid if the insured is a professional athlete injured while actively competing in a competition.
Pregnancy complications
Not established from the insurer's documents
Examination and treatment of pregnancy complications, premature births up to the end of the 36th week of pregnancy, miscarriages, and medically necessary terminations are covered, including treatment of a newborn resulting from a premature birth abroad.
Personal liability abroad
Not established from the reviewed documents
Not offered as part of this travel medical product per the reviewed documents.
Legal assistance abroad
Not established from the reviewed documents
Not offered as part of this travel medical product per the reviewed documents.
24/7 emergency assistance
Covered
A round-the-clock emergency phone number (+49 221-98 22 813) is provided, and repatriation transport is organized directly by Malteser via a 24-hour emergency service.
Key conditions
Assistance call deadline
No specific deadline for contacting assistance is stated; the 24/7 emergency number (+49 221-98 22 813) should be called as soon as possible so that Malteser can organize any necessary repatriation, since transport not organized by the insurer is not reimbursed.
Unauthorized treatment
If a repatriation transport is not organized by the insurer, the insurer is not obliged to pay for it.
Purchase while abroad
The contract must be concluded before the trip begins; if it is concluded after an international trip has already started, coverage only applies from the start of a new trip taken afterward.
Chronic conditions
There is no cover for treatment that was already medically indicated and foreseeably necessary before the trip began, which in practice excludes ongoing treatment of chronic/pre-existing conditions diagnosed prior to departure.
Pregnancy
Routine pregnancy care, delivery and elective termination are excluded, but complications, premature births up to the 36th week, miscarriages and medically necessary terminations are covered.
Pre-existing condition exclusions
No benefit is paid for treatment that was already foreseeable and medically diagnosed before the trip started, unless the trip was necessitated by the death abroad of a close relative or partner.
Coverage duration limit
Cover applies to the first 8 weeks (56 days) of any single trip abroad; if return is not medically possible by the end of week 8, cover is extended until a safe return is possible.
Documents
Product information sheet (KV054_005_202505)
IPID
Product information sheet (KV054_005_202401)
Other document
General Insurance Terms and Conditions (AVB) for tariffs AE/AF
Terms & conditions
Insurance Product Information Document (Auslandskrankenversicherung AE/AF)
IPID
Application form and VVG-InfoV information sheet
Other document
Policy specifics
Medical repatriation
Not established from the insurer's documents
Coverage includes medical repatriation transport costs back to home country when medically necessary
SourceThird-party source, not the insurer's documentTelemedicine services
Telemedicine services via Medgate platform available for medical consultation
SourceEmergency rescue and mountain rescue
Coverage for rescue and mountain rescue operations when medically necessary
SourceEmergency child care
Not established from the insurer's documents
Coverage for emergency on-site childcare if parents become ill during travel
SourceThird-party source, not the insurer's documentCompanion accommodation
Coverage for accommodation costs of a companion staying with hospitalized minor children
SourceMaximum trip duration
Not established from the insurer's documents
Each individual trip is limited to maximum 8 weeks (56 days)
SourceThird-party source, not the insurer's documentAnnual policy
Not established from the insurer's documents
Insurance is structured as annual policy covering unlimited number of trips within the year
SourceThird-party source, not the insurer's documentAge eligibility
Not established from the insurer's documents
Eligible persons are up to 70 years old with permanent residence in Germany
SourceThird-party source, not the insurer's documentFamily definition
Not established from the insurer's documents
Family tariff (AF) covers spouse/life partner and children up to age 18 in shared household
SourceThird-party source, not the insurer's documentEnrollment deadline
Not established from the insurer's documents
Policy must be concluded before trip begins; for late bookings, must be within 4 days of booking
SourceThird-party source, not the insurer's documentContract term
Not established from the insurer's documents
Contract is concluded for one insurance year and automatically renews unless cancelled
SourceThird-party source, not the insurer's documentPrivate patient treatment
All medical treatment abroad is provided and billed as private patient treatment
SourceGeographic coverage
Not established from the insurer's documents
Coverage applies worldwide for trips outside normal place of residence
SourceThird-party source, not the insurer's document