ÖSA Travel insurance (Auslandsreise Krankenversicherung)
Underwritten by UKV - Union Krankenversicherung AG (distributed by ÖSA) · Germany
travel insurance from ÖSA for the Germany market, with online purchase and 24/7 assistance.
Verified Aug 28, 2026 · Terms dated 2022-06-01Sources
Unique selling points
No deductible, with medical repatriation included as standard.
24-hour emergency hotline that advises whether costs need to be paid in advance.
No advance payment generally required in hospitals abroad.
Can be concluded at short notice, even for last-minute bookings.
Up to five people can be insured under a single online contract.
Coverage limits
Medical treatment costs
Covered
No limit stated
If treatment or medication is needed at the holiday destination, the insurer covers the costs; reimbursement is at 100% with no deductible. No specific sum insured figure is stated on the official pages.
Section: Auslandsreisekrankenversicherung – Jetzt berechnen
Wird tatsächlich eine Behandlung am Urlaubsort nötig oder sollten Sie Medikamente brauchen, übernehmen wir die Kosten.
Emergency medical treatment
Covered
No limit stated
In case of a medical emergency abroad, policyholders can call the 24-hour emergency hotline, which advises whether costs must be advanced or are settled directly.
Section: Was fragen andere Kunden? Häufige Fragen zum AKD und AKE
Rufen Sie im Fall des Falles einfach unseren 24-Stunden-Notruf-Service an. Hier erfahren Sie auch, ob Sie die Kosten vorstrecken müssen oder nicht.
Hospitalization
Covered
No limit stated
In hospitals, policyholders generally do not need to pay in advance; no specific monetary limit is stated.
Section: Auslandsreisekrankenversicherung – Jetzt berechnen
In Krankenhäusern brauchen Sie nicht in Vorleistung zu gehen.
Outpatient treatment
Covered
No limit stated
If outpatient treatment or medication is needed at the destination, costs are covered; no specific monetary limit is stated.
Section: Auslandsreisekrankenversicherung – Jetzt berechnen
Wird tatsächlich eine Behandlung am Urlaubsort nötig oder sollten Sie Medikamente brauchen, übernehmen wir die Kosten.
Emergency dental treatment
No limit stated
Not stated on the official ÖSA/UKV pages for this short-term product.
Medical transport to nearest hospital
No limit stated
Not separately stated on the official ÖSA/UKV pages; only repatriation ('Rücktransport') is described.
Medical repatriation
Covered
Medical repatriation is included if the transport is not otherwise avoidable; the insurer covers the cost of the return transport.
Repatriation of remains
No limit stated
Not stated on the official ÖSA/UKV pages for this short-term product.
Search and rescue costs
No limit stated
Not stated on the official ÖSA/UKV pages for this short-term product.
COVID-19 treatment
No limit stated
Not stated on the official ÖSA/UKV pages for this short-term product.
Pre-existing conditions
No limit stated
Not stated on the official ÖSA/UKV pages for this short-term product.
Winter sports cover
No limit stated
Not specifically stated; only general activity holidays ('Aktivurlaub') are mentioned.
Adventure/activity sports cover
Covered
Every holiday trip up to 56 days is covered regardless of type, explicitly including city breaks, beach or activity holidays, and even diving holidays.
Section: Was fragen andere Kunden? Häufige Fragen zum AKD und AKE
Grundsätzlich ja, denn in der Auslandsreise-Krankenversicherung ist jede Urlaubsreise bis 56 Tage abgesichert – egal ob Städtereise, Strand- oder Aktivurlaub – selbst der Tauchurlaub.
Pregnancy complications
No limit stated
Not stated on the official ÖSA/UKV pages for this short-term product.
Personal liability
No limit stated
Not stated on the official ÖSA/UKV pages for this short-term product.
Legal assistance
No limit stated
Not stated on the official ÖSA/UKV pages for this short-term product.
24/7 emergency assistance hotline
Covered
Policyholders can call the 24-hour emergency hotline at any time, which also advises whether costs need to be advanced.
Section: Was fragen andere Kunden? Häufige Fragen zum AKD und AKE
Rufen Sie im Fall des Falles einfach unseren 24-Stunden-Notruf-Service an. Hier erfahren Sie auch, ob Sie die Kosten vorstrecken müssen oder nicht.
Key conditions
Assistance call deadline
No specific deadline for calling the assistance hotline is stated; policyholders are advised to call the 24-hour emergency service if hospitalization or repatriation may be required.
Unauthorized treatment
Not stated on the official ÖSA/UKV pages for this product.
Purchase while abroad
Not explicitly addressed on the official pages; the policy is described as being available for short-notice/last-minute conclusion before departure.
Chronic conditions
Not stated on the official ÖSA/UKV pages for this short-term product.
Pregnancy
Not stated on the official ÖSA/UKV pages for this short-term product.
Pre-existing condition exclusions
Not stated on the official ÖSA/UKV pages for this short-term product.
Coverage duration limit
Each holiday trip is covered up to a maximum of 56 days; the contract itself runs to the end of the following calendar year and renews automatically for one year unless cancelled with three months' notice to year-end.
Direct payment
Policyholders typically pay costs upfront and are reimbursed afterwards; in exceptional cases the insurer settles bills directly, and in hospitals no advance payment is generally required.
Territorial scope
Cover applies abroad from the start of the trip; travel within Germany is not covered as 'abroad'
Policy specifics
Medical repatriation
Transport back to Germany if medically necessary and reasonable for severe illness or injury
SourceSection: Auslandsreisekrankenversicherung – Jetzt berechnen
Sollte es gar nicht anders gehen, wird auch ein Rücktransport von uns übernommen.
Direct settlement with providers
In hospitals, no advance payment required; insurance pays directly in some cases
SourceSection: Auslandsreisekrankenversicherung – Jetzt berechnen
In Krankenhäusern brauchen Sie nicht in Vorleistung zu gehen.
Trip duration limit for short-term product
Standard travel health insurance covers holiday trips up to maximum 56 days per trip within a calendar year
SourceSection: Was fragen andere Kunden? Häufige Fragen zum AKD und AKE
Urlaubsreisen innerhalb eines Jahres von bis zu jeweils 56 Tagen Dauer können Sie mit der Jahrespolice im Tarif AKD absichern.
Underwriting partner
ÖSA distributes this product in cooperation with UKV-Union Krankenversicherung AG, Saarbrücken, which acts as the underwriting risk carrier.
SourceSection: Rechtliche Hinweise
Diese Produkte vermitteln wir in Kooperation mit der UKV-Union Krankenversicherung AG ,Peter-Zimmer-Str. 2, D-66123 Saarbrücken, Registergericht Saarbrücken HRB 7184.
Sources
ÖSA Travel insurance