Öffentliche Versicherung Braunschweig (comprising Öffentliche Sachversicherung Braunschweig and Öffentliche Lebensversicherung Braunschweig)
Öffentliche
Öffentliche is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
The insurer provides a direct cost-acceptance guarantee to the treating hospital abroad of up to EUR 12,500 and handles billing directly with the hospital via the 24-hour emergency call service.
Geographic scope
Worldwide
Foreign travel medical cover applies abroad, i.e. not in Germany and not in the country where the insured person is resident; cover begins with crossing the border abroad and ends with return, but never longer than 56 consecutive days.
Starting price
€16
Indicative — pricing assumptions not stated
Unique selling points
- No health questionnaire is required to take out the policy, unlike many standard travel medical products.
- Customers can choose between a variant with deductible and a variant without any deductible for the same package.
- The Premium tier includes a dedicated family policy that covers the whole family under one tariff.
- One single contract bundles cancellation, interruption, foreign medical cover and a 24-hour emergency service instead of separate policies.
- A dedicated cancellation advice hotline (Stornokompass) helps assess whether and when to cancel a trip.
Coverage limits
Foreign medical treatment costs
Covered
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.
Emergency medical treatment
Covered
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 hospital treatment
Covered
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 treatment
Covered
Outpatient consultations/treatment by doctors, dentists, alternative practitioners, physiotherapists, chiropractors and osteopaths abroad are covered, with no stated maximum.
Emergency dental treatment
Covered
Pain-relieving dental treatment and simple fillings, plus provisional dentures and repairs to dentures/prostheses are covered; new dentures, crowns and inlays are excluded.
Medical transport abroad
€30
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.
Medically necessary repatriation
Covered
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.
Repatriation of remains / burial abroad
Covered
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.
Search, rescue and recovery costs
€2,500 – €5,000
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 treatment
No limit stated
The conditions do not separately address COVID-19 treatment; the general pandemic exclusion in the Allgemeine Bestimmungen applies only to cancellation, interruption and emergency-service cover (sections A-C), not to the foreign medical cover (section D), but no explicit statement on COVID-19 treatment itself was found.
Pre-existing conditions
Conditional
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.
Winter sports cover
No limit stated
No specific mention of winter sports cover (inclusion or exclusion) was found in the reviewed conditions.
Adventure sports cover
No limit stated
No specific mention of adventure/extreme sports cover was found in the reviewed conditions.
Pregnancy complications
Covered
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
No limit stated
No personal liability insurance component was found in the reviewed Travel-Paket conditions.
Legal assistance abroad
€2,500 – €12,500
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.
24-hour emergency call service
Covered
A worldwide 24-hour emergency call service (reachable nearly worldwide, 7 days a week, chargeable line) is included, providing doctor/hospital referrals, organising repatriation, emergency childcare and medical information/advice.
Key conditions
Assistance call deadline
You or a representative must contact the worldwide 24-hour emergency call service immediately (without delay) in the event of hospitalization, need for medically necessary repatriation, or death, to secure the full service and cost-guarantee benefits.
Unauthorized treatment
If failure to notify or coordinate with the emergency service causes extra costs, the insurer may deduct these; if a repatriation is not organised by the insurer/emergency service, benefits are limited to the cost that would otherwise have been incurred if it had been organised by them.
Purchase while abroad
The policy can only be concluded before departure and at the time of booking the trip, at the latest 30 days before the planned departure; if the trip was booked less than 30 days before departure, conclusion is only possible on the booking day itself or within the following 7 days — purchase while already abroad is not possible.
Chronic conditions
Unexpected deterioration of a chronic condition is covered, provided no treatment for that condition took place in the 6 months before conclusion of the insurance or, for existing policies, before booking the trip.
Pregnancy
Pregnancy complications occurring after the insurance starts (premature birth, emergency termination, miscarriage) are covered; ordinary pregnancy, delivery and puerperal-illness costs are excluded.
Pre-existing condition exclusions
Treatment for illnesses diagnosed before the trip is excluded if it was known that there was a substantial likelihood the condition would worsen during the trip; exceptions apply for trips undertaken due to death of a close relative, and for unexpected deterioration of chronic conditions.
Coverage duration limit
The foreign medical, interruption and emergency-service covers end at the latest 56 days after the trip begins; the cancellation cover runs from conclusion of the contract until the planned return date.
Policy specifics
Foreign travel medical insurance
Coverage for medical treatment costs abroad during travels up to maximum 56 days
SourceTrip cancellation insurance
Coverage for trip cancellation costs if insured reasons prevent travel
SourceTrip interruption insurance
Coverage for early termination of trip due to insured reasons with reimbursement of unused travel costs
Source24-hour emergency service
Round-the-clock emergency assistance service including evacuation costs, interpreter provision, and emergency medical coordination
SourceMaximum trip duration
Travel Insurance Package covers single trips up to maximum 56 consecutive days
SourceSource no longer reachablePolicy conclusion deadline
Insurance must be concluded at latest 30 days before planned trip start; for last-minute bookings within 30 days, conclusion must be on booking day or within 7 days thereafter
SourceNo health questions at policy conclusion
Insured persons are not required to answer health questionnaires prior to policy conclusion
SourceCoverage start date (trip cancellation vs. medical)
Trip cancellation coverage runs from policy conclusion date until planned return; medical coverage begins with border crossing into foreign country until return (max 56 days)
SourcePre-existing medical conditions exclusion
No coverage for illnesses known at time of policy purchase or treatment within 6 months prior
SourceWar and terrorism exclusion
No coverage for damages resulting from strikes, civil unrest, war or war-like events, terrorism, nuclear accidents, or force majeure
Source