SV SparkassenVersicherung Holding Aktiengesellschaft

Assistance call deadline

Contacting the emergency service before treatment is not mandatory but is recommended; for hospitalization, insured persons are asked to call the emergency inpatient assistant so costs can potentially be settled directly rather than being paid upfront.

Unauthorized treatment

No specific monetary penalty for seeking treatment without prior contact is stated in the reviewed sources; prior contact is only recommended to facilitate direct billing.

Purchase while abroad

The Travel-Paket must generally be concluded at the time of booking or at the latest 30 days before departure; for last-minute bookings within 30 days of departure, conclusion is possible on the booking date itself or within 7 days after booking, implying the policy cannot be purchased once already abroad.

Chronic conditions

Illnesses that are known to the insured person and were treated within the six months prior to conclusion of the insurance or booking of the trip are excluded from cover.

Pregnancy

Not specifically addressed in the reviewed policy documents for the Travel-Paket.

Pre-existing condition exclusions

Pre-existing conditions known or treated within six months before policy conclusion or trip booking are excluded from the Auslandsreise-Krankenversicherung component.

Coverage duration limit

Medical cover under the Travel-Paket begins upon crossing the border into a foreign country and ends upon return, but in any case no later than after 56 days; longer stays require a different product (GesundheitGLOBAL Kompakt).

Medical treatment abroad

Coverage for consultation, treatment by physician of choice, medications, and dressings in case of sudden illness or accident abroad

Medical transport and repatriation

Coverage for medically necessary repatriation transport including companion costs if medically justified; search and rescue costs also covered up to specified limits

Hospitalization coverage

Coverage for accommodation and meals during hospital stay; unlimited physician choice for inpatient care

Trip cancellation coverage

Reimbursement of prepaid travel costs (booking price) if trip is cancelled for insured reasons before departure

Trip interruption / early return coverage

Reimbursement of additional return travel costs and unused portion of trip if insured event occurs during trip requiring early return

Maximum trip duration per journey

Travel-Paket covers single journeys up to maximum 56 calendar days duration; coverage terminates at border crossing into home country or at end of 56th day, whichever is earlier

Pandemic exclusion

No coverage for losses arising from pandemics defined as nationwide and continent-spanning infectious disease outbreaks

Strike, war, and force majeure exclusion

No coverage for claims arising from strikes, civil unrest, war, war-like events, nuclear incidents, or force majeure events

No health questionnaire required

Insured persons are not required to answer health questions at policy conclusion

Search, rescue and recovery cost limit

Search, rescue and recovery costs within the Travel-Paket's emergency service are covered up to 5,000 Euro

Policy underwriter

Travel-Paket is underwritten by URV (Union Reiseversicherung AG), not directly by SV SparkassenVersicherung; URV is the official insurer responsible for claims and benefits

Coverage period structure

For trip cancellation component: coverage runs from policy issue date until planned return date. For medical component: coverage begins at border crossing into foreign country and ends at border return or day 56, whichever is earlier

Policy conclusion deadline

For standard timing: Policy must be concluded at time of booking or at latest 30 calendar days before planned departure. For last-minute bookings (within 30 days before departure): policy may be concluded on booking date itself or within 7 days after booking date

24-hour emergency assistance service

Travel-Paket includes round-the-clock multilingual emergency hotline for medical assistance, transport coordination, and doctor referrals; services include physician location, medication shipment, and local assistance organization

No deductible / self-participation

Travel-Paket standard version includes no deductible (Selbstbehalt); insurer covers 100% of eligible expenses

Geographic coverage scope

Medical coverage applies to all countries worldwide; trip cancellation coverage applies to trips to foreign countries (outside Germany)