SDK Travel insurance (Auslandsreise Krankenversicherung)

Reimburses costs of medically necessary outpatient and inpatient medical (including dental) treatment abroad; no overall maximum sum insured is stated, only specific sub-limits apply (e.g. dental repairs, aids first needed on the trip, six remedial treatments per case).

Covers costs of ambulatory treatment by freely-chosen doctors, dentists, alternative practitioners, chiropractors and osteopaths, including travel fees, surgery, anaesthesia, X-ray/radiotherapy and prescribed medication.

Covers medically necessary inpatient treatment including accommodation, nursing and meals in hospital; as an alternative to cost reimbursement, the insured may instead choose a daily cash benefit of 50 EUR per day, paid for up to 30 days from the start of the inpatient stay.

Reimburses costs for outpatient physician services, prescribed medicines and bandages from a pharmacy, and remedies such as massages, medical baths, physiotherapy and inhalations (up to six prescribed remedial services per insured event).

Covers pain-relief dental treatment and simple dental fillings (e.g. amalgam or composite), plus necessary repairs of dentures to restore chewing ability and temporary dentures; the making of new dentures is not covered.

Covers the medically necessary transport to the nearest suitable doctor or hospital, and, if the first doctor/hospital proves unsuitable, the necessary transfer to another suitable one.

Covers the costs of a medically sensible and justifiable transport back to the permanent residence held immediately before the trip, or to the nearest suitable hospital in Germany; SDK also organises the transport and covers costs for a co-insured accompanying person.

Reimburses up to 12,000 EUR for the necessary costs of a burial abroad, or alternatively for the repatriation of the body to the permanent residence held before the trip began.

The separate accident insurance (Tarif ARU, risk carrier Stuttgarter Versicherung AG), which cannot be bought alone and ends when the travel medical policy ends, reimburses up to 5,000 EUR for necessary search, rescue or recovery costs following an accident abroad; rescue costs arising purely from illness are not covered.

Medically necessary treatment of pandemic-related illnesses such as COVID-19 abroad is generally covered under the standard medical expense benefits; costs of quarantine or a delayed return journey are not covered.

Medically necessary treatment for the deterioration of a pre-existing condition occurring during the trip is treated as an insured event; however, treatment that was the reason (or one of the reasons) for the trip, or that was already known to be needed during the planned course of the trip, is excluded.

Not addressed as a distinct benefit or exclusion in the AVB/IPID; the policy does not clarify whether winter sports activities are covered or excluded.

Not addressed as a distinct benefit in the AVB/IPID; only specific accident exclusions are listed (e.g. motor racing, piloting aircraft), and no general adventure-sports rider is described.

Medically necessary treatment for complications in pregnancy, premature birth up to the end of the 36th week of pregnancy, miscarriage, and medically indicated termination of pregnancy is treated as an insured event; routine pregnancy check-ups, normal delivery and non-medically-indicated termination are not covered.

Not mentioned anywhere in the AVB, IPID or product materials; this product does not include a personal liability benefit.

Not mentioned anywhere in the AVB, IPID or product materials; this product does not include a legal assistance/expenses benefit.