VGH Travel insurance (Tarif Ak)

Costs for medically necessary outpatient, inpatient and dental treatment arising from an insured event abroad (illness or accident) are reimbursed. No overall monetary ceiling is stated in the terms for these treatment costs.

Ambulatory medical services, treatment by licensed practitioners/chiropractors/osteopaths, medicines, dressings, aids and physiotherapy needed during the trip are covered, including transport to the nearest doctor or hospital by recognized emergency services after an accident or emergency; no cap is stated.

Medical fees, hospital services including nursing, accommodation and board, and transport to the nearest suitable hospital are covered for medically necessary inpatient treatment abroad; no monetary cap is stated. Alternatively, the insured may choose a hospital daily allowance of EUR 25 per day instead of cost reimbursement. The emergency call service must be contacted without delay before or upon hospital admission.

Includes physician services, services of licensed practitioners/chiropractors/osteopaths, prescribed medicines and dressings, aids (rented, or purchase price if renting is not possible; excluding glasses and hearing aids), and physiotherapy from a physiotherapist. No overall cap stated.

Covers pain-relieving dental treatment including simple fillings, simple provisional dentures, and repair/restoration of function of dentures already present at the start of the trip. New crowns, bridges, dentures, implants, inlay fillings and orthodontic treatment are not covered, nor are dental laboratory costs for provisional dentures. No monetary cap is stated for the covered items.

Transport to the nearest reachable doctor or hospital by recognized emergency/ambulance services for first treatment after an accident or emergency, and transport to the nearest suitable hospital for inpatient treatment, are covered. No monetary cap is stated.

The insurer organizes and reimburses the additional cost of repatriation to Germany if repatriation is medically sensible, inpatient treatment abroad would likely exceed 14 days, or expected foreign treatment costs would exceed the repatriation cost; the cost of a medically necessary accompanying insured person is also covered. Prior authorization via the emergency call service is required before repatriation; without it, reimbursement is capped at what would have been paid had the service been properly engaged.

If the insured person dies abroad, the insurer organizes repatriation of the body to the last permanent residence and reimburses the direct repatriation costs. If burial takes place abroad instead, the incurred funeral costs are reimbursed, capped at what a repatriation would have cost. No specific monetary ceiling is stated.

If the insured person needs to be searched for, rescued or recovered abroad due to illness, accident or death, the resulting costs are reimbursed up to EUR 5,000.

Treated like any other illness abroad; the Tarif AK exclusions list (No. 13, 'Wann zahlen wir nicht?') contains no pandemic or COVID-19 exclusion.

No benefits are paid for treatment abroad that was the sole or a contributing reason for the trip, nor for illnesses that were foreseeably going to require treatment during the planned course of the trip, unless the trip was undertaken due to the death of a spouse/registered partner or a first-degree relative.

No winter sports exclusion appears in the Tarif AK exclusions list (No. 13); accidents are covered under the general medical treatment benefit, and search, rescue and recovery costs are covered up to EUR 5,000.

No adventure or extreme sports exclusion appears in the Tarif AK exclusions list (No. 13); accidents are covered under the general medical treatment benefit, and search, rescue and recovery costs are covered up to EUR 5,000.

Unforeseeable, acutely occurring pregnancy complications (including miscarriage, premature birth, or emergency termination) are treated as an insured event, but only if they occur before the end of the 32nd week of pregnancy, unless the extended stay abroad was necessitated by a previously occurred insured event. Medically necessary treatment of the premature infant is also covered in this context.

Personal liability cover is not part of this travel health insurance product; the policy is a health/medical expenses product and does not address third-party liability claims.

Legal assistance / legal expenses cover is not part of this travel health insurance product and is not mentioned in the terms and conditions.