Öffentliche Oldenburg Travel insurance (Auslandsreisekrankenversicherung Tarif Ak)
Underwritten by ALTE OLDENBURGER Krankenversicherung von 1927 V.V.a.G. (distributed by Öffentliche Oldenburg) · Germany
travel insurance from Öffentliche Oldenburg for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2026-06Sources
Key facts
- Öffentliche Oldenburg
Unique selling points
Guarantees private-patient treatment status when receiving medical care abroad.
Covers the additional cost of a medically sensible and reasonable emergency return transport home, without a stated cap.
Can be taken out at very short notice, even last-minute before departure.
Offers a worldwide, round-the-clock emergency hotline for medical guidance and hospital coordination.
Coverage limits
Medical expenses abroad
Not established from the insurer's documents
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.
Section: Versicherungsbedingungen > 2. Was umfasst der Versicherungsschutz?
Wir ersetzen bei einem im Ausland eintretenden Versicherungsfall (siehe Nr. 11) dort entstehende Aufwendungen für Heilbehandlung und erbringen sonst vereinbarte Leistungen (z.B. Rücktransport, siehe Nr. 12.4 b)).
Emergency medical treatment abroad
Not established from the insurer's documents
Covers medically necessary treatment of illness or accident occurring abroad, including doctors, alternative practitioners, medicines, aids and physical therapy; no monetary cap is stated.
Section: Versicherungsbedingungen > 12. Unsere Tarifleistungen > 12.1 Ambulante Heilbehandlung
12.1 Ambulante Heilbehandlung a) ärztliche Leistungen b) Leistungen von Heilpraktikern, Chiropraktikern und Osteopathen c) Arznei- und Verbandmittel d) Hilfsmittel
Inpatient hospital treatment
Not established from the insurer's documents
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.
Section: Versicherungsbedingungen > 12. Unsere Tarifleistungen > 12.2 Stationäre Heilbehandlung
Bei medizinisch notwendiger stationärer Heilbehandlung hat die versicherte Person freie Wahl unter den im Aufenthaltsland allgemein anerkannten Krankenhäusern, die unter ständiger ärztlicher Leitung stehen, über ausreichende diagnostische sowie therapeutische Möglichkeiten verfügen und Krankengeschichten führen.
Outpatient treatment
Not established from the insurer's documents
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.
Section: Versicherungsbedingungen > 12. Unsere Tarifleistungen > 12.1 Ambulante Heilbehandlung
Wir erstatten Hilfsmittel, die erstmals aufgrund eines während des Auslandsaufenthaltes eingetretenen Versicherungsfalles erforderlich werden in einfacher Ausführung zur Gewährleistung einer vorübergehenden Versorgung für die Dauer der versicherten Reise.
Emergency dental treatment
Not established from the insurer's documents
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.
Section: Versicherungsbedingungen > 12. Unsere Tarifleistungen > 12.3 Zahnärztliche Heilbehandlung
a) schmerzstillende Zahnbehandlung einschließlich Zahnfüllung in einfacher Ausführung b) provisorischer Zahnersatz in einfacher Ausführung
Medical return transport
Not established from the insurer's documents
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.
Section: Versicherungsbedingungen > 12. Unsere Tarifleistungen > 12.4 Sonstige Leistungen > b) Rücktransport
Wir organisieren einen Rücktransport und ersetzen die Mehrkosten, die durch den Eintritt des Versicherungsfalls für eine Rückkehr ins Inland zusätzlich entstehen, wenn eine der folgenden Voraussetzungen erfüllt wird:
Medical evacuation
Not established from the insurer's documents
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.
Section: Versicherungsbedingungen > 12. Unsere Tarifleistungen > 12.4 Sonstige Leistungen > b) Rücktransport
Bitte beachten Sie: Vor Durchführung des Rücktransportes ist über unseren Notrufservice eine Leistungszusage (siehe Nr. 12.4 h) und Nr. 14) einzuholen.
Repatriation of remains
Not established from the insurer's documents
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.
Section: Versicherungsbedingungen > 12.4 Sonstige Leistungen > c) Todesfall im Ausland
Stirbt die versicherte Person während des Auslandsaufenthaltes, organisieren wir die Überführung des Verstorbenen an seinen letzten ständigen Wohnsitz und erstatten die unmittelbaren Kosten der Überführung.
Search, rescue and recovery
Not established from the insurer's documents
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.
Section: Versicherungsbedingungen > 12.4 Sonstige Leistungen > d) Suche, Rettung und Bergung
Muss die versicherte Person aufgrund einer im Ausland eingetretenen Erkrankung, eines Unfalles oder wegen Tod gesucht, gerettet oder geborgen werden, erstatten wir die hierfür anfallenden Kosten bis zu 5.000,- EUR.
COVID-19 treatment
Not established from the insurer's documents
No COVID-19 exclusion is stated in the terms; COVID-19 is treated like any other illness or accident occurring abroad.
Pre-existing conditions
Not established from the insurer's 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.
Section: Versicherungsbedingungen > 13. Wann zahlen wir nicht?
Krankheiten, von denen für die versicherte Person erkennbar bei Reiseantritt feststand, dass sie bei planmäßiger Durchführung der Reise behandelt werden müssen, es sei denn, dass die Reise wegen des Todes des Ehegatten bzw. des Lebenspartners gemäß § 1 des Lebenspartnerschaftsgesetzes (LPartG - siehe Anhang) oder eines Verwandten ersten Grades unternommen wurde;
Winter sports cover
Not established from the insurer's documents
No winter-sports exclusion in the terms; skiing accidents are covered like other accidents.
Adventure sports cover
Not established from the insurer's documents
No adventure-sports exclusion in the terms; such accidents are covered like any other accident.
Pregnancy complications
Not established from the insurer's 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.
Section: Versicherungsbedingungen > 12.4 Sonstige Leistungen > a) Schwangerschaft
Als Versicherungsfall nach Nr. 11 gelten auch für die Versicherte nicht vorhersehbare, akut eingetretene Schwangerschaftskomplikationen einschließlich Fehlgeburt, Frühgeburt oder notfallbedingter Schwangerschaftsabbruch.
Personal liability
Not established from the insurer's documents
Not included in this product; the terms define coverage as limited to illnesses, accidents and other named events, with no personal liability benefit.
Legal assistance
Not established from the insurer's documents
Not included in this product; the terms define coverage as limited to illnesses, accidents and other named events, with no legal assistance benefit.
Key conditions
Assistance call deadline
The 24-hour emergency service must be contacted immediately before or upon hospital admission, and in every case before organising return transport or child-care assistance, to avoid limits on reimbursement.
Unauthorized treatment
Without prior approval ('Leistungszusage') from the emergency service for return transport or child-care assistance, reimbursement is limited to the amount that would have applied had the service been properly engaged.
Purchase while abroad
The completed application must reach the insurer before departure from Germany; the contract cannot be concluded once the applicant has already left for abroad.
Chronic conditions
No benefits are paid for illnesses (including chronic conditions) that were recognisably in need of treatment during the planned course of the trip, unless the trip was necessitated by the death of a spouse/partner or first-degree relative.
Pregnancy
Unforeseeable acute pregnancy complications are covered as an insured event, but not after completion of the 32nd week of pregnancy; a pregnancy known before departure, elective termination, delivery and postpartum illness are excluded.
Pre-existing condition exclusions
Illnesses foreseeably requiring treatment during the planned trip at the time of departure are excluded from cover, with an exception for trips made necessary by the death of a close relative.
Coverage duration limit
Cover applies to individual foreign trips of up to 8 weeks; if a trip lasts longer, cover applies only to the first 8 weeks. An unlimited number of trips is covered within one insurance year.
Direct payment
Policyholders are asked to contact the 24-hour emergency service before or upon hospital admission so an appropriate hospital can be arranged and the insured does not need to advance hospital costs out of pocket.
Territorial scope
Coverage extends worldwide to countries where the insured person has no permanent residence; the Federal Republic of Germany does not count as abroad.
Documents
Policy specifics
Medical treatment abroad
Core coverage for emergency medical treatment during travel abroad up to 8 weeks per trip
SourcePrivate patient status abroad
Insured persons receive private patient treatment status during foreign medical care
Source24-hour emergency assistance
Round-the-clock emergency hotline for medical consultation and assistance during travel
SourceHospital daily allowance option
Not established from the insurer's documents
Instead of reimbursement of actual eligible inpatient costs, the insured may choose a hospital daily allowance of 25 EUR per day of hospitalisation abroad.
SourceThird-party source, not the insurer's documentClause Nr. 12.4 f)Page 8Section: Versicherungsbedingungen > 12.4 Sonstige Leistungen > f) Krankenhaustagegeld
Bei stationärer Heilbehandlung im Ausland können Sie zwischen Ersatz der erstattungsfähigen Aufwendungen und einem Krankenhaustagegeld von 25,– EUR pro Tag des Krankenhausaufenthaltes wählen.
Telephone cost flat-rate reimbursement
Not established from the insurer's documents
Telephone costs for the first contact with the insurer/emergency service in connection with inpatient treatment or repatriation are reimbursed as a flat rate of 10 EUR, without individual proof.
SourceThird-party source, not the insurer's documentClause Nr. 12.4 h)Page 8Section: Versicherungsbedingungen > 12.4 Sonstige Leistungen > h) Telefonkosten
Telefonkosten, die bei der ersten Kontaktaufnahme mit uns bzw. mit unserem Notrufservice entstehen, werden insgesamt pauschal ohne Einzelnachweis in Höhe von jeweils 10,– EUR erstattet, wenn sie anlässlich einer stationären Heilbehandlung nach Nr. 12.2 bzw. bei einer Rückführung aus dem Ausland nach Nr. 12.4 b) anfallen.
Trip duration limit
Insurance coverage is limited to individual trips of maximum 8 weeks duration
SourceResidence in Germany
Not established from the insurer's documents
Insurable persons must have permanent residence in Federal Republic of Germany and only travel temporarily abroad
SourceThird-party source, not the insurer's documentClause Nr. 1Page 6Section: Versicherungsbedingungen > 1. Wer kann sich versichern?
Versichern können sich Personen, · deren ständiger Wohnsitz in der Bundesrepublik Deutschland liegt und · die nur vorübergehend ins Ausland reisen.
Insurance year coverage
All foreign trips undertaken by the insured within one insurance year are covered (multiple trips allowed)
SourceIndividual and family variants
Offered in two variants: AK-E (individual) and AK-F (family). Family variant covers spouse/partner and minor children
SourceSources
- oeffentlicheoldenburg.dehttps://www.oeffentlicheoldenburg.de/content/privat/versicherungen/reise-und-urlaub/reisekranken/(opens in a new tab)
- reisepolice.comhttps://www.reisepolice.com/uploads/media/reiseversicherung/alte-oldenburger/jahres-reisekrankenversicherung/ake-akf/versicherungsbedingungen.pdf#page=2(opens in a new tab)
- reisepolice.comhttps://www.reisepolice.com/uploads/media/reiseversicherung/alte-oldenburger/jahres-reisekrankenversicherung/ake-akf/versicherungsbedingungen.pdf#page=5(opens in a new tab)
- reisepolice.comhttps://www.reisepolice.com/uploads/media/reiseversicherung/alte-oldenburger/jahres-reisekrankenversicherung/ake-akf/versicherungsbedingungen.pdf#page=6(opens in a new tab)
- reisepolice.comhttps://www.reisepolice.com/uploads/media/reiseversicherung/alte-oldenburger/jahres-reisekrankenversicherung/ake-akf/versicherungsbedingungen.pdf#page=7(opens in a new tab)
Öffentliche Oldenburg Travel insurance