URV – Union Reiseversicherung Aktiengesellschaft

Covers medically necessary treatment abroad due to illness, accident or pregnancy complications, including doctor/dentist consultations, hospital treatment, prescribed medicines, remedies and aids. No specific sum insured ceiling is stated in the terms.

If the insured falls ill or has an accident abroad, medically necessary emergency treatment is covered; the insurance case begins with treatment and ends when no further need for treatment exists per medical findings.

Inpatient hospital treatment abroad is covered, including surgery and related costs, plus accommodation/meals (and an accompanying person for minors). No cap is stated for the inpatient benefit itself; alternatively, if no reimbursement of inpatient costs is claimed, a hospital daily allowance of EUR 30 per day applies instead.

Covers outpatient consultations and treatments by doctors, dentists, alternative practitioners, physiotherapists, chiropractors and osteopaths, plus prescribed medicines, remedies (e.g. physiotherapy, inhalations) and aids first needed during the trip. No sum insured ceiling is stated.

Pain-relieving dental treatment and simple fillings are covered, including provisional dentures and repairs to existing dentures/prostheses. New dentures, crowns and inlays are excluded. No sum insured ceiling is stated.

Transport by rescue services (ambulance, air ambulance) to the nearest suitable hospital, and transfer to another hospital abroad when medically required, is covered without a stated cap. If transport is not via a rescue service (e.g. taxi), reimbursement is limited to EUR 30 per insurance case.

URV organizes and covers the cost of a medically sensible and justifiable repatriation transport to Germany (or the insured's country of residence) when, e.g., inpatient treatment is expected to last more than 14 days or treatment costs abroad would exceed transport costs; costs for a necessary accompanying person and return of luggage are also covered.

In case of death abroad, URV covers the cost of a burial abroad, or alternatively the cost of repatriation to the last permanent residence in Germany before crossing the border.

If the insured has an accident and needs to be searched for, rescued or recovered by a public-law or private-law rescue service, costs are reimbursed up to a total of EUR 10,000.

The general exclusion for pandemic-related damages does not apply to the medical insurance section: URV explicitly states it pays benefits for damages caused by pandemics under the Auslandsreise-Krankenversicherung, so illness treatment costs from a pandemic (e.g. COVID-19) are covered like any other illness abroad.

Treatment of an illness already diagnosed before the trip and known to have a considerable likelihood of worsening during the trip is excluded, unless the trip is taken because a spouse/registered partner or first-degree relative has died, or the deterioration of a chronic illness was unexpected.

The reviewed terms and conditions do not mention any specific winter sports provisions or exclusions.

The reviewed terms and conditions do not mention any specific adventure sports provisions or exclusions.

Medically necessary treatment for pregnancy complications is covered, specifically premature births, emergency terminations, and miscarriages. Routine pregnancy, normal childbirth and their consequences are excluded.

The Auslandsreise-Krankenversicherung (travel medical) section of this product does not include any personal liability cover.

Legal/bail assistance (lawyer, interpreter, bail advances) is a benefit of the separate Notfall-Service-Versicherung component, not of the Auslandsreise-Krankenversicherung (travel medical) section.

A 24-hour emergency call service is available nearly worldwide, 7 days a week, for medical assistance, arranging hospital/doctor contacts, repatriation and emergency childcare abroad.