Öffentliche Versicherungen Oldenburg (comprising Oldenburgische Landesbrandkasse and Öffentliche Lebensversicherungsanstalt Oldenburg)

Reimburses expenses for outpatient, inpatient and dental medical treatment incurred abroad due to an insured illness or accident; the T&Cs state no monetary cap on these benefits.

Covers medically necessary treatment of illness or accident occurring abroad, including doctors, alternative practitioners, medicines, aids and physical therapy; no monetary cap is stated.

Covers doctors' fees, hospital services including nursing, accommodation and meals, and transport to the nearest suitable hospital; free choice of generally recognised hospitals; no monetary cap is stated. The emergency service must be engaged immediately before or upon admission.

Covers doctors', alternative practitioners', chiropractors' and osteopaths' fees, medicines and dressings, simple aids (rental or purchase, excluding glasses/hearing aids), physiotherapy, and rescue transport to the nearest doctor or hospital; no monetary cap is stated.

Covers pain-relieving dental treatment including simple fillings, simple provisional dentures, and repair/restoration of existing dentures brought on the trip; excludes inlay fillings, new dentures (crowns, bridges, prostheses, implants), orthodontic treatment and dental-lab costs for provisional dentures.

The insurer organises and reimburses the additional cost of a return transport to Germany when repatriation is medically sensible, inpatient treatment abroad would exceed 14 days, or treatment costs abroad would exceed transport costs; also reimburses extra costs for an insured accompanying person. No monetary cap is stated, but prior approval via the emergency service is required to avoid limited reimbursement.

Organised medically necessary evacuation/return to Germany is provided under the same 'Rücktransport' benefit as medical transport; no monetary cap is stated, but the emergency service must give prior approval.

If the insured dies abroad, the insurer organises transfer of the deceased to their last permanent residence and reimburses the immediate transfer costs; if buried abroad, burial costs are reimbursed up to the amount a transfer would have cost. No separate monetary cap is stated.

If the insured must be searched for, rescued or recovered abroad due to illness, accident or death, costs are reimbursed up to 5,000 EUR.

Not separately addressed in the available policy documents.

No benefits are paid for illnesses that were recognisably in need of treatment during the planned course of the trip at the time of departure, unless the trip was made necessary by the death of a spouse/partner or a first-degree relative.

Not addressed in the available policy documents.

Not addressed in the available policy documents.

Unforeseeable, acute pregnancy complications including miscarriage, premature birth or emergency termination are covered as an insured event, but not if they occur after completion of the 32nd week of pregnancy (unless the extended stay abroad was caused by a prior insured event); medical treatment of a premature newborn is also covered. A pregnancy known before the trip, elective termination, delivery and postpartum illness are excluded.

Not addressed in the available policy documents; this is a health-focused travel product without a liability component.

Not addressed in the available policy documents.