UKV Travel insurance (Auslandsreise Krankenversicherung Urlaubsreisen)

100% reimbursement of costs for medically necessary outpatient and inpatient treatment, medicines, remedies and aids abroad, with no stated aggregate sum insured. Applies to both the AKD-16 (annual) and AKE-16 (single-trip) tariffs.

Emergency consultations and treatment by doctors abroad are reimbursed at 100% as part of the general medical-treatment benefit; no separate sum insured is stated.

100% reimbursement for inpatient treatment, accommodation and meals in a hospital of the insured's choice; if another payer (e.g. reciprocal health scheme) covers part of the costs, an additional hospital daily allowance of up to 30 EUR/day applies, and insureds may alternatively opt for a flat 30 EUR/day allowance instead of cost reimbursement.

100% reimbursement for outpatient consultations/treatments with doctors, dentists, alternative practitioners, osteopaths and chiropractors, plus prescribed medicines, remedies and aids first required abroad.

Covers pain-relieving dental treatment, simple dental fillings, provisional dentures and repairs of prostheses; new dentures, crowns and inlays are excluded. No separate euro cap is stated — cover is scope-limited rather than sum-limited.

Covers ambulance, emergency or rescue-helicopter transport to the nearest suitable hospital or emergency doctor after an accident or in an emergency, including medically necessary transfers. If the transport is not carried out by a rescue service (e.g. by taxi), the benefit is capped at a total of 30 EUR per insured event.

Covers a medically sensible and reasonable repatriation to the permanent place of residence (or nearest suitable hospital), including costs for an accompanying person if medically sensible. Typical trigger: hospital stay expected to exceed 14 days, or treatment costs abroad would exceed transport costs. If organized without the insurer/emergency call service, benefit is limited to the cost the insurer's own organization would have incurred.

On the death of the insured person, costs of burial at the place of death or of transfer of the remains to the last permanent place of residence are reimbursed; no euro cap is stated.

Covers search, rescue or recovery costs from public- or private-law rescue services after an accident, provided inpatient treatment follows immediately. The AKD-16 (annual) tariff limits this benefit to 2,500 EUR per insured person and event, while the current AKE-16 (single-trip) tariff limits it to 10,000 EUR per insured person and event.

No source reviewed makes a specific statement about COVID-19 treatment; such illnesses would presumably fall under the general medical-treatment benefit, but this is not explicitly confirmed.

Treatment is excluded if, at the start of the trip, it was already certain due to a previously diagnosed illness that it would be needed if the trip proceeded as planned — unless the trip was undertaken due to the death of a spouse/registered partner or a first-degree relative. Unexpected deterioration of a chronic condition is, by contrast, covered.

No source reviewed makes a specific statement about winter sports; the policy covers accidents/illness during typical vacation activities generally, but winter sports are not separately addressed.

Explicitly includes hyperbaric-chamber treatment for diving accidents ('Druckkammerbehandlung bei Tauchunfällen'); no general high-risk-sport exclusion is stated for typical vacation activities.

Medically necessary treatment of pregnancy complications, including premature births, emergency terminations of pregnancy and miscarriages, is defined as an insured event and covered at 100%.

This is a travel health (medical expenses) product only; personal liability cover is not part of the benefits described in any reviewed source.

No legal-assistance benefit is described in any reviewed source; the product covers medical costs, transport and assistance services only.