Öffentliche Travel insurance (Travel Paket)

Covers medically necessary treatment abroad after illness, accident or pregnancy complications, including doctors, dentists, alternative practitioners, hospital treatment, prescribed medicines and remedies; no maximum sum is stated in the conditions.

The 24-hour emergency call service arranges contact to treating doctors/hospitals abroad and coordinates emergency care; no cap stated for the underlying treatment costs themselves.

Inpatient treatment, operations and accommodation/board are covered; the insurer issues a direct cost-acceptance guarantee to the hospital of up to EUR 12,500 (increased if needed), and pays a hospital daily allowance of up to EUR 30/day if another payer covers costs or if reimbursement of treatment costs is waived.

Outpatient consultations/treatment by doctors, dentists, alternative practitioners, physiotherapists, chiropractors and osteopaths abroad are covered, with no stated maximum.

Pain-relieving dental treatment and simple fillings, plus provisional dentures and repairs to dentures/prostheses are covered; new dentures, crowns and inlays are excluded.

Transport by rescue services (ambulance, rescue helicopter) to the nearest suitable hospital or emergency doctor, and transfer to another hospital abroad if medically required, is covered without a stated cap; if transport is not via a rescue service (e.g. taxi), reimbursement is limited to EUR 30 per claim.

Covers the medically sensible and justifiable repatriation to Germany (or country of residence) when e.g. inpatient treatment abroad is expected to last more than 14 days or treatment costs abroad would exceed transport costs, including costs for a medically necessary escort; no cap stated. If not organised via the insurer/emergency service, cover is limited to the cost that would have been incurred if organised by them.

In case of death abroad, the insurer covers either burial costs abroad or the costs of repatriation to the last permanent residence in Germany before crossing the border; no cap stated.

Two components apply: under the Emergency Service cover, search/rescue/recovery costs after an accident are reimbursed up to EUR 5,000; under the foreign medical cover, costs of public/private rescue services are reimbursed up to EUR 2,500 per insured person and claim, provided inpatient treatment follows immediately.

COVID-19 is treated like any other illness under the foreign medical cover; the pandemic exclusion in the Allgemeine Bestimmungen applies only to insurances A-C and not to the foreign medical cover (D).

Treatment of illnesses already diagnosed before the trip and known to have a substantial likelihood of worsening during the trip is excluded, except when the trip is taken because a spouse/partner or first-degree relative died; unexpected deteriorations of chronic conditions remain covered.

The medical cover's exclusion list (§8) does not mention winter sports; ski and snowboard accidents are covered like other accidents.

The medical cover's exclusion list (§8) does not mention adventure or extreme sports; such accidents are covered like other accidents.

Medically necessary treatment for pregnancy complications abroad is covered, including premature births, emergency terminations and miscarriages; routine pregnancy, childbirth and puerperal-illness costs are otherwise excluded.

Personal liability abroad is not included in this Travel-Paket; the Besondere Bestimmungen define only sections A-D (cancellation, interruption, emergency service, foreign medical), with no liability cover.

If arrested or threatened with arrest, the insurer helps arrange a lawyer/interpreter and advances up to EUR 2,500 for court, lawyer and/or interpreter costs, and up to EUR 12,500 for bail; advanced amounts must be repaid within 3 months of reimbursement by the authority/court.