UKV Travel insurance (Auslandsreise Krankenversicherung)

100% reimbursement of costs for medically necessary outpatient and inpatient treatment, medicines and remedies during a temporary stay abroad; no fixed sum insured is stated, though the insurer may reduce benefits to a reasonable amount if costs exceed what is customary for the destination country.

Treatment as a private patient by a doctor, dentist, alternative practitioner, osteopath or chiropractor of the insured's choice abroad following illness or accident is reimbursed at 100%.

Covers treatment, accommodation and board at a hospital of the insured's choice abroad, including operations; no explicit cap is stated. If another payer (e.g. statutory health insurance) covers all or part of the inpatient costs, UKV additionally pays a hospital daily allowance of up to 30 EUR/day (or, alternatively to cost reimbursement, a flat 30 EUR/day).

100% reimbursement for ambulant consultations/treatments, prescribed medicines, remedies (incl. hyperbaric chamber treatment for diving accidents) and aids (excluding glasses/hearing aids) first required abroad.

Pain-relieving dental treatment, necessary simple fillings, provisional dentures and denture/prosthesis repairs are covered; new dentures, crowns and inlays are excluded.

Covers transport by rescue service (ambulance, emergency vehicle or rescue helicopter) to the nearest suitable hospital or emergency doctor. If the transport is not carried out by a rescue service (e.g. taxi), reimbursement is limited to a total of 30 EUR per claim.

Covers a medically sensible and justifiable repatriation transport back to Germany (or country of residence), e.g. if inpatient treatment would exceed 14 days or treatment costs would exceed transport costs; an escort's costs are covered if medically advisable. If the transport is organized by neither UKV nor its emergency call service, reimbursement is capped at the amount that would have been payable had they organized it.

In case of death abroad, covers either the costs of burial at the place of death or the cost of transferring the remains to the last permanent place of residence.

Covers search, rescue or recovery costs after an accident suffered by the insured person, up to a maximum of 10,000 EUR per insured person and claim, provided inpatient treatment follows immediately afterward.

No separate COVID-19 clause; COVID-19 is covered like any other illness arising abroad.

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 first-degree relative. Unexpected deterioration of a chronic condition during the trip remains covered.

No separate winter sports clause; winter sports accidents are covered like any other accident abroad.

Explicitly covers hyperbaric chamber treatment following diving accidents as part of outpatient care; no separate cover for other extreme/adventure sports activities is described.

Covers medically necessary treatment of pregnancy complications including premature births, emergency termination of pregnancy and miscarriages. Normal pregnancy/childbirth costs are excluded.

Not part of this travel health product; not mentioned in any reviewed document.

Not part of this travel health product; not mentioned in any reviewed document.