R+V Versicherung AG (Raiffeisen- und Volksbanken Versicherung)
R+V
R+V is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
R+V primarily operates on a reimbursement basis: insureds pay medical providers and submit original receipts for reimbursement. Where another insurer's cover is subsidiary, R+V advances payment upon presentation of original receipts. A 24-hour hotline coordinates medical care abroad and can help arrange settlement with treating facilities.
Geographic scope
Worldwide (excluding Germany)
Cover applies worldwide, excluding the Federal Republic of Germany, for temporary stays abroad by persons with permanent residence in Germany.
Starting price
€15
Indicative — pricing assumptions not stated
Unique selling points
- No waiting periods – cover starts immediately upon policy conclusion, unlike many competing tariffs.
- No health questions or medical underwriting are required to take out the policy.
- Cover can be extended from the standard 45 days up to a total of 730 days per trip, far beyond typical short-term travel policies.
- An entire family (policyholder, spouse/partner and children) is covered for a single flat annual premium of 34.50 EUR.
- 24/7 multilingual emergency hotline whose call costs are additionally reimbursed to the insured.
Coverage limits
Medical expenses abroad
Covered
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 medical treatment
Covered
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
Covered
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
Covered
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.
Emergency dental treatment
Covered
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.
Local medical transport
Covered
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.
Medically necessary repatriation transport
Covered
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.
Funeral or repatriation costs in case of death
Covered
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.
Search and rescue costs
Excluded
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.
COVID-19 treatment
No limit stated
Not addressed as a distinct benefit in the reviewed policy documents.
Pre-existing/pre-planned conditions
Excluded
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.
Winter sports cover
No limit stated
Not addressed as a distinct benefit or exclusion in the reviewed policy documents.
Adventure sports cover
No limit stated
Not addressed as a distinct benefit or exclusion in the reviewed policy documents.
Pregnancy complications
Conditional
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.
Personal liability abroad
No limit stated
Not part of this travel health tariff's benefits in the reviewed documents.
Legal assistance abroad
No limit stated
Not part of this travel health tariff's benefits in the reviewed documents.
24/7 emergency assistance hotline
Covered
A 24-hour hotline (+49 611 533-6290) provides information on medical care options, doctor referrals in the destination country, and notification of relatives; telephone costs for contacting this hotline in a claim are reimbursed.
Key conditions
Assistance call deadline
The policy does not specify a fixed deadline for contacting R+V after a medical event, but insureds are advised to use the 24-hour hotline (+49 611 533-6290) as soon as possible; telephone costs incurred for this contact are reimbursed.
Unauthorized treatment
There is no explicit pre-authorization requirement for treatment, but the insured must, where possible, avert and minimize the loss and cooperate fully with claim verification; a breach of these duties (Obliegenheiten) can lead to partial or full loss of benefits under §§9-10 AVB/JR.
Purchase while abroad
The contract can only be concluded and the premium paid before or at the point of crossing the border into another country; if already abroad, the premium may still be paid up to one week after the border crossing, but cover only applies to insured events occurring after payment is received.
Chronic conditions
Ongoing treatment and medication for chronic illnesses are not covered; travelers with chronic conditions are advised to check with their statutory health insurer whether costs abroad are covered before departure.
Pregnancy
Only unforeseen acute pregnancy complications, miscarriage and premature birth (before the 37th week) are covered at 100%, including care until mother and newborn are fit to travel; routine pregnancy monitoring or a planned childbirth is not covered.
Pre-existing condition exclusions
No cover exists for medical treatment that was the purpose (or one of the purposes) of the trip, or that was already foreseeable/planned to be necessary before departure.
Coverage duration limit
Standard cover applies to the first 45 days of each foreign stay begun within the insured calendar year; against additional premium, cover can be extended to a total of up to 730 days per stay.
Documents
General Terms and Conditions – Travel Health Insurance (AVB/JR)
Terms & conditions
Insurance Product Information Document – R+V Travel Insurance
IPID
Benefits overview – Tarif FernWeh
Table of benefits
FAQ – FernWeh and FernWeh Familie tariffs
Other document
Claims notification form and policyholder brochure
Other document
Policy specifics
Maximum duration per trip
Standard coverage limited to first 45 days of foreign stay, extendable to 730 days total against additional premium
SourceMedical repatriation
Coverage for medically necessary transport back to Germany when recovery requires ongoing treatment at home
SourceDental emergency treatment
100% coverage for emergency dental treatment including pain relief, fillings, and temporary repairs
SourcePre-existing condition exclusion
Excludes treatment for illnesses or complaints treated before trip start date that require ongoing treatment
SourcePlanned treatment exclusion
Excludes treatments known at trip start to occur during the foreign stay
SourcePermanent residence requirement
Insurable persons must have permanent residence in Federal Republic of Germany
SourcePolicy year or annual commencement
JR tariff valid only for calendar year and ends December 31; ARED tariff renews automatically annually
SourceDirect settlement arrangement
RUV coordinates medical care and settles claims directly with providers where possible; 24-hour emergency hotline support
SourceImmediate coverage confirmation
Insurance confirmation provided as PDF immediately after conclusion suitable for visa applications
Source