Württembergische Versicherung AG
Württembergische
Württembergische is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
The policy operates on a reimbursement basis: the insured person pays medical bills abroad, then submits receipts (with certified translations if required) via the customer portal or by post, and the insurer transfers the reimbursement free of charge to a bank account in Germany; hospital treatment must be reported to the insurer immediately and any repatriation must be agreed with the insurer beforehand.
Geographic scope
Worldwide
Coverage applies worldwide, except in the country where the insured person has their domicile or habitual residence, and except in the Federal Republic of Germany.
Starting price
€17
Indicative — pricing assumptions not stated
Unique selling points
- 58 days of medical cover per trip abroad, an above-average per-trip duration explicitly highlighted by the insurer.
- Unlimited number of trips per year covered under the same annual policy, each up to the 58-day limit.
- No deductible on medical costs abroad, as confirmed by independent market comparison (Stiftung Warentest).
- Search, rescue and recovery costs covered up to 10,000 EUR per insured event.
- The family tariff (RKF) charges a single unified premium regardless of the number of insured family members.
Coverage limits
Medical treatment costs abroad
Covered
Reimburses medically necessary outpatient and inpatient medical and dental treatment, prescribed medicines, remedies and aids incurred abroad due to unexpected illness or accident; the AVB does not state an overall sum-insured cap for these costs. Applies identically to both the individual (RK) and family (RKF) tariff.
Emergency medical treatment
Covered
Covers outpatient emergency treatment abroad, including ambulant operations, assistance, anaesthesia and imaging diagnostics, plus medically necessary transport to the nearest available doctor or hospital for first emergency treatment.
Inpatient hospital treatment
Covered
Covers medically necessary inpatient treatment including operations, related ancillary costs, imaging diagnostics, and accommodation and meals in hospital; hospital treatment must be reported to the insurer without delay.
Outpatient treatment
Covered
Covers ambulant medical treatment abroad, including doctor-prescribed medicines, dressings and remedies obtained from an officially licensed dispensary in the country of stay.
Emergency dental treatment
Covered
Covers pain-relieving conservative dental treatment and simple fillings, plus provisional dental replacements and repairs of existing dentures/prosthetics; new permanent dental work (crowns, bridges, implants, etc.) beyond a simple provisional solution is excluded.
Medical transport within the country of stay
Covered
Covers medically necessary transport to the nearest available doctor or hospital for emergency outpatient care, and transport to the nearest suitable hospital for inpatient treatment.
Medically advisable repatriation to Germany
Covered
Covers a medically advisable and reasonable return transport to the insured person's domicile or the nearest suitable hospital there, e.g. if expected treatment costs abroad would exceed the transport cost, treatment would likely exceed 14 days, or adequate local care is unavailable; must be agreed with the insurer before execution.
Repatriation of remains
Covered
Covers the costs of transporting the deceased insured person's remains from the place of death abroad to their last permanent domicile; if burial takes place at the place of death, costs are reimbursed up to the amount a repatriation would have cost.
Search, rescue and recovery costs
€10,000
Covers search, rescue and recovery costs abroad due to illness, accident or death, up to a maximum of 10,000 EUR per insured event.
COVID-19 / pandemic-related treatment
Covered
Insured events (illness, accident consequences, pregnancy complications, death) that arise from an epidemic, pandemic or nuclear incident are explicitly treated as insured events under the same terms as other illnesses.
Pre-existing conditions
Conditional
Insured events whose occurrence during the trip was already medically diagnosed/foreseeable before departure are excluded, unless there is an unexpected acute worsening of the existing illness during the stay abroad (no treatment, aside from routine check-ups, in the year before departure, and fitness to travel at departure) or the trip was undertaken due to the death of a spouse/partner or first-degree relative.
Winter sports cover
Covered
Illness and accidents during recreational winter sports are covered as standard; the AVB only excludes illnesses and accidents suffered by professional athletes during active competition (including preparation), not amateur/leisure sport.
Adventure sports cover
Covered
Illness and accidents during recreational adventure sports are covered as standard; only professional athletes' illnesses/accidents during active competitive participation (including preparation) are excluded.
Pregnancy complications
Conditional
Routine pregnancy check-ups, elective termination and normal childbirth are excluded, but pregnancy complications, premature births (before the 36th week of pregnancy) or miscarriages, and emergency terminations, count as insured events and are covered.
Personal liability abroad
No limit stated
Personal liability cover is not mentioned in the AVB RK/RKF for this travel health product.
Legal assistance abroad
No limit stated
Legal assistance cover is not mentioned in the AVB RK/RKF for this travel health product.
24/7 medical travel assistance service
Covered
A medical travel assistance service is available to the policyholder/insured person when illness or an accident occurs; the insurer's own claims page confirms the travel assistance line is reachable around the clock, and travellers are advised to carry the contact number.
Key conditions
Assistance call deadline
Hospital treatment must be reported to the insurer immediately, and any repatriation must be agreed with the insurer before it is carried out; the round-the-clock travel assistance line should be used for this.
Unauthorized treatment
Breaching the notification/coordination duties (e.g. failing to report a hospital stay or arranging repatriation without prior agreement) can release the insurer wholly or partly from its obligation to pay in line with §28 VVG: intentional breach removes the benefit entirely, grossly negligent breach leads to a proportional reduction.
Purchase while abroad
Cover only begins once the contract has been concluded and the first premium paid, and it never applies retroactively to insured events that occurred before the agreed start date; only persons domiciled in the Federal Republic of Germany may take out the policy.
Chronic conditions
An unexpected acute worsening of a known chronic illness during the trip is covered, provided no treatment (other than routine check-ups) took place in the year before departure and the person was fit to travel at departure; planned or foreseeable treatment of the pre-existing condition remains excluded.
Pregnancy
Routine pregnancy check-ups, elective termination and normal childbirth are excluded, but pregnancy complications, premature births (before the 36th week) or miscarriages, and emergency terminations, count as insured events and are covered.
Pre-existing condition exclusions
Insured events whose occurrence during the trip was already medically foreseeable before departure are excluded, unless there is an unexpected worsening of the existing condition (see chronic diseases) or the trip was undertaken due to the death of a spouse/partner or first-degree relative.
Coverage duration limit
Cover applies for the first 58 days of each temporary trip abroad undertaken within an insurance year; if the stay lasts longer, cover ends after day 58, except where the traveller is unfit to be transported or the return is delayed for reasons beyond their control, in which case cover continues until a safe return is possible; the number of trips per year is unlimited.
Where to buy
Documents
General Insurance Terms and Conditions, Tariff RK/RKF (AVB RK/RKF)
Terms & conditions
Policy specifics
Medical repatriation to Germany
Coverage for medically advisable return transport to Germany when necessary during illness or accident abroad
SourceEmergency dental treatment
Coverage for emergency dental pain relief and provisional dental restoration during travel
SourceRescue and mountain assistance costs
Coverage for rescue, search, and emergency evacuation costs during accidents or emergencies abroad
SourcePregnancy and childbirth conditions
Routine pregnancy checks and birth are excluded; complications and emergency procedures up to week 36 are covered
SourceIllness must occur during travel
Insurance only covers illnesses that begin abroad, not pre-existing conditions at departure
SourceMaximum trip duration
Coverage provided for individual trips up to 58 consecutive days; annual policy allows unlimited trips within this per-trip limit
SourceNo deductible (excess)
Insurance covers medical costs in full without any excess or deductible amount
SourceWorldwide coverage
Insurance is valid for trips to all countries globally, including USA and Canada
Source