Versicherungskammer Bayern, Institution under Public Law

Assistance call deadline

Before inpatient hospital treatment or a repatriation transport, the insured person must promptly contact UKV's 24-hour emergency call service; failure to do so can lead to a reduced reimbursement for the repatriation.

Unauthorized treatment

If neither UKV nor its emergency call service organizes a medically necessary repatriation, the benefit is limited to the amount that would have been payable had they organized it themselves.

Purchase while abroad

The insurance contract must be concluded before the trip begins; cover cannot be taken out once the insured person is already abroad.

Chronic conditions

Unexpected deterioration of a chronic condition during the trip is covered, but planned treatment of a known chronic illness that was foreseeable before departure is excluded.

Pregnancy

Only medically necessary treatment of pregnancy complications (premature birth, emergency termination, miscarriage) is covered; costs of normal pregnancy and childbirth are excluded.

Pre-existing condition exclusions

Treatment is excluded if, at the start of the trip, it was already foreseeable due to a diagnosed condition that treatment would be needed during the journey, unless the trip was undertaken due to the death of a spouse/registered partner or a first-degree relative.

Coverage duration limit

AKE-16 (single-trip policy) covers one trip for up to 365 days. AKD-16 (annual policy) covers every individual trip within the insurance year for up to 56 days each, though the contract itself renews automatically each year unless cancelled.

Medical repatriation

Coverage for medically necessary repatriation back to Germany

Pre-existing conditions - acute complications

Acute exacerbations or unexpected complications of pre-existing conditions are covered

High-cost country surcharge

Premium increases for travel to countries with significantly higher medical treatment costs

Medical necessity requirement for repatriation

Repatriation is only covered if medically necessary and reasonable

Pre-authorization requirement

Policyholder must contact insurer before receiving non-emergency medical treatment

Claim submission deadline

Claims must be submitted within defined period after treatment

Reimbursement model

Costs are typically reimbursed retroactively after treatment; direct billing available in many destinations via emergency hotline

Maximum trip duration (annual policy)

Annual policy (AKD-16) covers maximum 56 days per individual trip

No deductible

Travel health insurance is provided without deductible/excess

Statute of limitations for claims

Claims under the contract lapse (are time-barred) after three years; no specific short deadline for submitting a claim is stated, but the insured must supply original invoices/receipts as proof.