Sparkassen-DirektVersicherung Travel insurance (Urv Travel Paket)

Covers costs of medically necessary treatment (doctors, dentists, hospital incl. operations, prescribed medicines, remedies/appliances, alternative treatments) following illness or accident abroad. The T&C do not state an explicit maximum sum for this benefit.

Emergency and acute treatment costs following illness or accident abroad are covered from the outset (free choice of doctors, dentists, hospitals abroad); no monetary cap stated.

Covers in-patient hospital treatment abroad, including operations, board and lodging, and accompanying-person costs for a hospitalized minor child; no cap stated on treatment costs. If another party (e.g. statutory insurer) already covers stationary costs, or if reimbursement of treatment costs is not claimed, a hospital daily allowance (Krankenhaustagegeld) of up to EUR 30 per day applies instead.

Covers consultations and treatment by doctors, dentists, licensed alternative practitioners (Heilpraktiker), physiotherapists, chiropractors and osteopaths abroad, plus prescribed medicines and remedies; no cap stated.

Covers pain-relieving dental treatment and simple necessary fillings, including provisional dentures and repairs to dentures/prostheses. New dentures, crowns and inlays are explicitly excluded.

Covers transport by rescue services (ambulance, rescue helicopter) to the nearest suitable hospital and onward transfer to another hospital abroad if medically required, with no stated cap. If transport is not performed by a recognized rescue service (e.g. taxi), reimbursement is limited to EUR 30 per insured event.

Covers a medically sensible and justifiable repatriation transport back to Germany (or the insured's country of residence), e.g. when in-patient treatment is expected to last more than 14 days or when foreign treatment costs would exceed transport costs, including a medically necessary companion. Must be organized by URV/the emergency service; otherwise reimbursement is limited to the cost that organized transport would have incurred.

If the insured dies abroad, the insurer covers the costs of a burial abroad, or alternatively the costs of repatriating the remains to the last permanent residence in Germany prior to crossing the border; no monetary cap stated.

Search, rescue and recovery costs by public- or private-law rescue services are reimbursed up to EUR 10,000 in total; the terms do not require that in-patient treatment follow.

The general pandemic definition/limitation in the T&C explicitly does not apply to SARS-CoV-2 (COVID-19); COVID-19 illness abroad is therefore treated and covered like any other illness under the medical-expenses benefit.

Treatment is excluded for conditions diagnosed before the trip if the insured knew there was a significant likelihood of deterioration during the trip. This exclusion does not apply if the trip is undertaken because a spouse/partner or first-degree relative has died, and unexpected deteriorations of chronic conditions remain covered.

No mention of a separate winter-sports benefit or exclusion was found in the reviewed documents.

No mention of a separate adventure/high-risk sports benefit or exclusion was found in the reviewed documents.

Covers medically necessary treatment for pregnancy complications abroad, defined as premature births, emergency terminations of pregnancy, and miscarriages. General pregnancy, childbirth and postpartum-illness costs beyond these complications are excluded.

No personal liability benefit was found in any of the reviewed documents for this product.

Under the bundled Notfall-Service module, the insurer advances up to EUR 2,500 for court, attorney and interpreter costs, and up to EUR 12,500 for bail if the insured is arrested or threatened with arrest abroad. These are repayable advances (repayment due within 3 months of payout), not indemnity benefits.