ÖVB (VGH Versicherungen) Travel insurance (Vgh Reisekrankenschutz Tarif Ak)

Reimbursement of costs for outpatient, inpatient and dental treatment arising from a medically necessary treatment during the trip; the AVB does not state a monetary sum insured or cap for these benefits.

A claims event is any medically necessary treatment of an insured person due to illness or accident; treatment costs are reimbursed without a stated monetary limit.

Covers physician services, hospital services including nursing, accommodation and meals, and transport to the nearest suitable hospital by recognized emergency services; free choice of generally recognized hospitals in the country of stay; no monetary cap stated. The emergency call service must be engaged immediately before or upon hospital admission.

Covers physician services, services by Heilpraktiker/chiropractors/osteopaths, medicines and dressings, aids (rented, or purchase price if renting is not possible; excludes glasses/hearing aids), remedial treatments (e.g. physiotherapy) and transport to the nearest doctor/hospital for first aid; no monetary cap stated.

Covers pain-relief dental treatment including simple fillings, simple provisional dentures, and repair/restoration of dentures already in use at the start of the trip. Inlays, new dentures (crowns, bridges, prostheses, implants), orthodontic measures, and dental laboratory work for provisional dentures are excluded.

Transport to the nearest reachable doctor or hospital by recognized emergency services for first aid after an accident or emergency, and transport to the nearest suitable hospital for inpatient treatment; no monetary cap stated.

The insurer organizes a return transport and reimburses the additional costs of returning to Germany if the return is medically sensible and justifiable, or inpatient treatment abroad would likely last longer than 14 days, or expected treatment costs abroad would exceed the cost of the return transport. Return must be to the insured's permanent residence or a hospital in Germany. Additional costs for a companion are reimbursed if medically sensible. A benefit commitment via the emergency call service must be obtained before the transport; otherwise reimbursement is capped at what would have been incurred with proper engagement of the service.

If the insured person dies while abroad, the insurer organizes and reimburses the direct costs of transferring the deceased to their last permanent residence. If burial takes place abroad, the burial costs incurred are covered, up to the amount that a repatriation would have cost.

If the insured person 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 reviewed policy documents.

No benefits are paid for illnesses which it was foreseeable at the start of the trip would require treatment during the planned course of the trip, unless the trip was undertaken due to the death of a spouse/civil partner or a first-degree relative.

Not addressed in the reviewed policy documents.

Not addressed in the reviewed policy documents.

Unforeseeable, acute pregnancy complications (including miscarriage, premature birth, or emergency termination) are covered as a claims event, but only if they occur before the end of the 32nd week of pregnancy, unless the extended stay abroad was necessitated by a prior claims event. Costs for a pregnancy known before the trip, elective termination, delivery, and puerperal illnesses are excluded.

Not part of this travel medical product per the reviewed documents.

Not part of this travel medical product per the reviewed documents.