Sparkassen-Versicherung Sachsen (comprising Sparkassen-Versicherung Sachsen Allgemeine Versicherung AG and Sparkassen-Versicherung Sachsen Lebensversicherung AG, under S.V. Holding AG)
SV Sachsen
SV Sachsen is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
In most cases, insured persons must advance medical costs and submit them for reimbursement. In many vacation areas, direct payment by the insurer to providers is possible.
Geographic scope
Germany (Saxony-based insurer, nationwide product)
Worldwide health cover for holiday trips
Unique selling points
- No deductible on any claims under the travel medical policy.
- Free choice of doctor abroad, including outpatient treatment.
- Digital doctor consultation via phone, tablet or laptop is available to policyholders.
- A single policy can cover up to ten people, ideal for families or small group trips.
- Flexible choice between a single-trip tariff covering up to 365 days or an annual tariff covering every trip up to 56 days each.
Coverage limits
Medical treatment costs
Covered
Weltwide health cover for holiday trips, with no deductible and medical repatriation included; no specific monetary cap is stated in the available source material.
Emergency medical treatment
Covered
If an emergency occurs on holiday, the insured is guaranteed to receive medical help; no cap stated.
Hospitalization
Covered
Insured persons need not fear hospital bills abroad; no monetary cap is stated.
Outpatient treatment
Covered
Outpatient treatments, including free choice of doctor, are covered; no monetary cap stated.
Emergency dental treatment
No limit stated
Not addressed in the available source material for this product.
Medical repatriation transport
Covered
Medically necessary and reasonable transport back to Germany in case of serious illness or injury abroad is a core covered benefit, included in both tariffs, with no stated cap.
Medical evacuation
No limit stated
Not separately addressed beyond the general medical repatriation transport benefit in the available source material.
Repatriation of remains
No limit stated
Not addressed in the available source material for this product.
Search and rescue
No limit stated
Not addressed in the available source material for this product.
COVID-19 treatment
No limit stated
Not addressed in the available source material for this product.
Pre-existing conditions
Excluded
Treatments for which it was established at the time of travel commencement that they would have to take place are excluded, unless the trip was undertaken due to death or serious illness of a first-degree relative. Unexpected worsening of chronic conditions is covered.
Winter sports cover
Covered
The insurance protects the insured on any kind of holiday, whether a relaxing beach vacation or an active vacation in the mountains.
Adventure/active sports cover
Covered
Coverage applies whether the injury occurs during a relaxing holiday or an active holiday, including injuries sustained while hiking.
Pregnancy complications
Covered
Coverage for medically necessary treatment of pregnancy complications including early birth, emergency termination, and miscarriage.
Personal liability
No limit stated
Not addressed in the available source material for this product.
Legal assistance
No limit stated
Not addressed in the available source material for this product.
24/7 assistance
No limit stated
A digital doctor consultation service is mentioned, but a specific 24/7 emergency hotline is not explicitly confirmed for this product in the available source material.
Key conditions
Assistance call deadline
No fixed deadline for contacting the insurer is stated; in the event of hospitalization or repatriation, insured persons should contact the insurer to determine whether direct payment to the provider is possible; otherwise, costs are advanced and reimbursed afterward.
Unauthorized treatment
No specific penalty for unauthorized or unreported treatment is stated in the available source material.
Purchase while abroad
Not specified in the available source material whether the policy can be purchased after departure or once already abroad.
Chronic conditions
Unexpected worsening of a chronic condition during the trip is covered, even though treatments known in advance to be necessary are excluded.
Pregnancy
Medically necessary treatment of pregnancy complications, including early birth, emergency termination, and miscarriage, is covered.
Pre-existing condition exclusions
Treatments known before crossing the border to be necessary are excluded from cover, unless the trip was undertaken due to the death or serious illness of a first-degree relative.
Coverage duration limit
With the annual policy (AKD-16), each individual trip is covered for a maximum of 56 days; with the single-trip policy (AKE-16), a trip is covered for a maximum of 365 days.
Policy specifics
Medical repatriation
Coverage for medically necessary and reasonable transport back to Germany in case of serious illness or injury abroad
SourceMaximum trip duration (annual policy)
With the annual policy (AKD-16), each individual trip is covered for a maximum of 56 days
SourceMaximum trip duration (single trip policy)
With the single trip policy (AKE-16), a trip is covered for a maximum of 365 days
SourceCost reimbursement vs. direct payment
In most cases, insured persons must advance medical costs and submit them for reimbursement. In many vacation areas, direct payment by the insurer to providers is possible
SourceAdvance notice requirement
Contact with the insurer before seeking medical treatment is recommended but not mandatory; notification ensures best possible care and avoids upfront costs
Source