SIGNAL IDUNA Group
SIGNAL IDUNA
SIGNAL IDUNA is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
SIGNAL IDUNA can issue a direct cost-guarantee to the treating hospital for eligible costs up to EUR 15,000 and settles the bill on behalf of the insured; if no advance arrangement is made via the 24-hour emergency line, the insured typically pays first and is reimbursed up to 100% of documented eligible costs.
Geographic scope
Worldwide, 24 hours a day, for the duration of the policy
Coverage does not apply in Germany or in any country where the insured person has a permanent residence or stays regularly for more than three months per year
Unique selling points
- No deductible and no waiting period - full cost reimbursement from the moment the policy takes effect.
- Children can be co-insured up to age 25 under the family tariff, well beyond the typical market limit.
- 24/7 multilingual emergency hotline that organises treatment, hospital transfers and repatriation on the customer's behalf.
- Direct cost-guarantee to hospitals up to EUR 15,000, so customers often do not need to pay treatment costs out of pocket.
- Coverage continues for COVID-19 even after an official Federal Foreign Office travel warning is issued for the destination.
Coverage limits
Medical treatment costs abroad
Covered
100% reimbursement of medically necessary outpatient, inpatient and dental treatment costs incurred abroad due to illness or accident; no fixed sum insured or per-incident cap is stated in the conditions.
Emergency medical treatment
Covered
Outpatient care for acute illness or accident abroad is reimbursed 100%, including consultations, examinations, blood tests, injections, and minor procedures.
Inpatient hospital treatment
Covered
100% reimbursement of medically necessary inpatient treatment, operations, board and lodging in a suitable hospital; instead of cost reimbursement the insured may choose a hospital daily allowance of EUR 50 per day.
Outpatient treatment
Covered
100% reimbursement of medically necessary outpatient treatment abroad including doctor's fees, prescribed medication, bandages and physical therapy.
Emergency dental treatment
Covered
Covers pain-relieving dental treatment, simple fillings and provisional dentures, and repair of existing dentures; new dentures, implants, bridges and orthodontics are excluded.
Medical transport to initial/further care
Covered
Covers medically necessary transport to the nearest suitable doctor or hospital for initial treatment, and onward transfer transport for further care, as well as transport back to accommodation.
Repatriation transport to home country
unlimited
If repatriation is organised through SIGNAL IDUNA's emergency call centre, the full cost is reimbursed with no stated maximum; otherwise reimbursement is limited to the amount that would have been incurred via the call centre.
Repatriation of remains / burial abroad
Covered
Covers all necessary costs of burial at the place of death abroad or repatriation of the body to Germany; cost reimbursement for burial abroad is capped at the amount that repatriation would have cost.
Search, rescue and recovery
€15,000
Reimburses costs of search, rescue and recovery abroad due to illness, accident or death, up to a maximum of EUR 15,000.
COVID-19 treatment
Covered
COVID-19 illness abroad is covered like any other illness at 100% of medically necessary costs; the general exclusion for events covered by a Federal Foreign Office travel warning explicitly does not apply to Covid-19-related travel warnings.
Pre-existing conditions
Excluded
No benefits are paid for treatment that a doctor identified before the trip as certain to be needed during the trip, or for insured events that occurred after contract conclusion but before cover started; cover applies only if an unexpected acute worsening occurs during the trip despite fitness to travel at departure.
Winter sports accidents/illness
Covered
Accidents or illness occurring during amateur winter sports are covered under the ordinary illness/accident benefits; only professional athletes practising their sport and unapproved expeditions are excluded.
Adventure sports accidents/illness
Covered
Accidents during amateur adventure sports are covered as ordinary illness/accident events; expeditions require prior agreement with the insurer's head office and professional athletes are excluded.
Pregnancy complications and childbirth
Covered
Covers treatment of pregnancy complications, medically necessary termination, delivery and miscarriage up to the 36th week of pregnancy, and treatment of the newborn for premature birth; if pregnancy began during the trip, up to 5 check-ups and 2 ultrasounds are also covered.
Personal liability abroad
No limit stated
Not addressed by this travel medical insurance product; personal liability is not part of this policy's scope.
Legal assistance abroad
No limit stated
Not addressed by this travel medical insurance product; legal assistance is not part of this policy's scope.
24/7 emergency assistance hotline
Covered
A 24-hour emergency telephone line (+49 (0)221-8277557) provides medical information, doctor recommendations, a medical interpreter service, hospital admission support and organisation of repatriation, child care and burial/repatriation in case of death.
Key conditions
Assistance call deadline
The insured must contact the 24-hour emergency call centre without delay in the event of inpatient treatment and before the start of extensive diagnostic or therapeutic measures.
Unauthorized treatment
Intentional breach of contractual obligations (e.g. failing to notify the emergency line, submitting incomplete evidence) results in loss of cover; grossly negligent breaches allow the insurer to reduce benefits proportionately to the degree of fault, provided the insured was warned of these consequences in advance.
Purchase while abroad
The contract must be concluded before departure; if it is taken out while the insured is already abroad, cover only begins with the start of a new trip, not the ongoing one.
Chronic conditions
Chronic conditions are generally treated as pre-existing conditions and are excluded if a doctor determined before the trip that treatment would be needed during it; benefits are paid only for an unexpected acute worsening occurring despite fitness to travel at the start of the trip.
Pregnancy
Complications, medically necessary termination, delivery and miscarriage up to the 36th week are covered; if pregnancy occurred during the trip, up to five check-ups and two ultrasounds are additionally reimbursed.
Pre-existing condition exclusions
Treatment that was already foreseeable and planned before the trip, or conditions a doctor had determined would require treatment during the trip, are excluded from cover.
Coverage duration limit
Within one insurance year, cover applies to any number of trips up to a maximum of 65 days per private trip or 10 days per business trip; longer trips are only covered for the first 65 (or 10) days.
Where to buy
Policy specifics
Emergency medical transport / Repatriation
Full cost coverage for medically necessary emergency transport from abroad back to Germany or to the nearest suitable medical facility
SourceDental treatment
Coverage for pain-relieving dental treatment including fillings and repair of existing dentures; excludes orthodontics
SourceOutpatient and inpatient medical treatment
100% coverage of medically necessary treatment costs incurred abroad for diseases, accidents, and other contract-specified events
SourceMedications and medical supplies
Coverage for doctor-prescribed medications, bandages, and medical aids; excluding hearing aids and glasses
SourceEmergency transportation to hospital
Coverage for necessary transport to the nearest appropriate hospital by recognized emergency services during acute medical emergency
SourceChild care/repatriation during parent hospitalization
If all accompanying caregivers are hospitalized, insured covers organization and costs for care of insured children up to age 17; includes repatriation if needed
SourceMaximum trip duration (annual tariff)
Annual tariff (Jahres-Reise-Krankenversicherung) limits coverage to max 65 days per private trip and max 10 days per business trip within one insurance year
SourceEligible insured persons
Insurable are persons with permanent residence in Germany who are primarily resident and registered there; excluded are persons with permanent or regular residence (>3 months/year) in destination country
SourceNo deductible / excess
Insurance covers 100% of eligible costs without any deductible or excess payment by insured person
SourceAutomatic annual renewal
Annual tariff automatically renews for one additional year unless cancelled in writing at least one month before policy end date
SourceGeographic scope - Worldwide
Coverage applies worldwide (excluding countries where insured has primary/secondary residence)
SourceFamily tariff definition
Family defined as: two adults (primary insured + spouse/partner) + up to 7 unmarried children (including adopted/step/foster children) up to age 25 living in same household; children up to 21 years under basic family policy
Source24/7 emergency hotline
24/7 staffed emergency call center for assistance with medical treatment organization, hospital transfers, and repatriation; supports multiple languages
SourcePre-existing conditions
Diseases diagnosed before trip and known to require treatment during trip are not covered; exclusion applies if physician confirmed need for treatment before travel
SourceWar and civil unrest exclusion
Diseases and accidents caused by unforeseen war, civil war, unrest, or events listed in German Foreign Office (AA) travel warnings at time of entry are excluded; coverage terminates 14 days after official travel warning issued
SourceClaims notification requirement
Insured must notify insurer or 24/7 emergency hotline as quickly as possible for any hospitalization; notification before discharge required for in-patient treatment
SourceCost settlement method
Insurer can arrange direct payment/billing with healthcare providers; if not arranged in advance, insured typically pays first and seeks reimbursement from insurer; reimbursement up to contracted rates or 100% of documented eligible costs
Source