R+V Travel insurance (Fernweh)

R+V reimburses 100% of medically necessary outpatient and inpatient treatment costs incurred abroad due to illness or accident; no maximum sum insured is stated in the policy conditions.

Emergency ambulatory medical treatment abroad due to illness or accident is reimbursed at 100% of medically necessary costs; no cap is stated.

Inpatient hospital treatment (including for acute pregnancy complications) is reimbursed at 100% of necessary costs; alternatively, a replacement hospital daily allowance of 40 EUR/day can be chosen instead of cost reimbursement. No overall cap is stated for the cost-reimbursement option.

Outpatient treatment abroad, including for pregnancy complications, miscarriage and premature birth, is reimbursed at 100% of medically necessary costs, including doctor-prescribed medication, remedies (e.g. chiropractic, osteopathy) and simple prescribed aids first needed on the trip.

100% reimbursement for pain-relieving dental treatment, simple fillings, prefabricated short-term temporary dentures and repairs of existing dentures; new dentures (crowns, bridges, implants) and orthodontics are excluded.

100% cost coverage for the first medically necessary transport by rescue service to the nearest suitable hospital or emergency doctor, including any necessary transfer transport; return transport from the hospital/doctor back to the accommodation is reimbursed up to 100 EUR per insured event.

100% cost coverage for a medically sensible and justifiable repatriation transport to a suitable hospital in Germany when it is medically advisable, when further treatment abroad would cost more than repatriation, or when hospitalization abroad is expected to exceed 14 days. Necessary costs for a medically required companion are also covered, limited to a business-class flight of up to 1,300 EUR.

100% reimbursement, to the necessary extent, of unavoidable transport and immediate costs for repatriating the deceased to their place of residence in Germany, or for burial at the place of death.

The travel health tariff's benefit list (AVB/JR §4(4)) is exhaustive and does not include search and rescue costs; benefits not named in the tariff are not insured under this policy.

Not addressed as a distinct benefit in the reviewed policy documents.

No cover for medical treatment that was the sole or one of the reasons for the trip, or that was already known/foreseeable before departure as necessary; treatment of chronic illnesses requiring ongoing care or medication is also excluded.

Not addressed as a distinct benefit or exclusion in the reviewed policy documents.

Not addressed as a distinct benefit or exclusion in the reviewed policy documents.

100% cover applies only to unforeseen, acute pregnancy complications, medically necessary termination, miscarriage or premature birth (before the 37th week), including treatment costs until mother and newborn are fit to travel; routine pregnancy care or planned childbirth is not covered.

Not part of this travel health tariff's benefits in the reviewed documents.

Not part of this travel health tariff's benefits in the reviewed documents.