Zürich Beteiligungs-Aktiengesellschaft (Deutschland) / Zurich Insurance Europe AG
Zurich
Zurich is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
Policyholders are urged to contact the emergency hotline before a hospital stay so that a suitable hospital can be arranged and the customer does not have to advance the hospital costs themselves.
Geographic scope
Worldwide, outside Germany
Cover applies abroad, defined as countries where the insured person has no permanent residence; Germany does not count as abroad.
Starting price
€9
Indicative — pricing assumptions not stated
Unique selling points
- Family cover under the DKV cooperation includes medically necessary repatriation transport, worldwide, as a headline benefit.
- Policies can be arranged quickly online, even as late as the day before departure, for last-minute travellers.
- A 24-hour emergency hotline organises worldwide medical help and hospital referrals, and provides pre-approval to avoid upfront hospital payments.
- Travel medical cover can be combined with Zurich's travel baggage insurance in a single MobilSchutz module within the modular PrivatSchutz package.
Coverage limits
Medical expenses abroad
Covered
Doctor's fees, prescribed medication, dressings, aids and physiotherapy required due to illness or accident abroad are reimbursed at 100%; no overall sum insured cap is stated in the terms.
Emergency medical treatment abroad
Covered
Covers medically necessary treatment for illness or accident that occurs during the trip abroad, including doctor visits, hospital stays and pain-relief dental treatment; reimbursed at 100% with no stated cap.
Inpatient treatment
Covered
Doctor's fees, hospital services including nursing, accommodation and meals, and transport to the nearest suitable hospital by a recognised ambulance service are reimbursed at 100%; free choice of generally recognised hospital in the country of stay.
Outpatient treatment
Covered
Doctor's fees, medication and dressings, aids required due to an accident abroad, physiotherapy delivered by a practising physiotherapist, and transport to the nearest doctor by recognised ambulance services are reimbursed at 100%.
Emergency dental treatment
€250
Pain-relief treatment of the mouth/teeth and fillings with plastic material are reimbursed at 100% with no cap; provisional crowns/dentures needed due to an accident abroad and repairs to existing dentures are reimbursed at 50% of the invoice, capped at a combined 250 EUR. All other dental treatment and lab work is excluded.
Transport to nearest doctor/hospital
Covered
Transport to the nearest reachable doctor or hospital by a recognised ambulance/rescue service for first aid after an accident or emergency is reimbursed at 100%.
Medically necessary repatriation
Covered
Additional costs of a medically necessary and medically ordered repatriation to the permanent residence or a hospital in Germany are reimbursed at 100% if a benefit confirmation (Leistungszusage) is obtained from the emergency service beforehand, or at 80% of proven extra costs if not obtained beforehand. No prior proof of necessity is required if inpatient treatment abroad would probably last longer than 14 days.
Repatriation of remains / burial abroad
€10,000
If the insured person dies abroad, the direct costs of repatriating the body to the last permanent residence, or the burial costs incurred if buried abroad, are reimbursed up to 10,000 EUR.
Search and rescue
No limit stated
No search and rescue cover is mentioned in the reviewed terms or product overview.
COVID-19 treatment
No limit stated
No specific COVID-19 provision is mentioned in the reviewed terms or product overview.
Pre-existing / chronic conditions
Excluded
No benefits are paid for illnesses that were recognisably going to require treatment during the planned trip, unless the trip was undertaken due to the death of a spouse/partner or first-degree relative.
Winter sports cover
No limit stated
No specific winter sports provision is mentioned in the reviewed terms or product overview.
Adventure sports cover
No limit stated
No specific adventure/extreme sports provision is mentioned in the reviewed terms or product overview.
Pregnancy complications
Conditional
Expenses for a pregnancy known before the trip, termination, delivery and postpartum illnesses are excluded, but unforeseeable, acute pregnancy complications, including premature births before the end of the 32nd week and miscarriages, are covered; treatment of the premature infant is also covered.
Personal liability
No limit stated
No personal liability cover is included in this travel medical product; liability abroad is offered separately via the Zurich Privathaftpflicht product.
Legal assistance
No limit stated
No legal assistance benefit is mentioned in the reviewed terms or product overview.
24-hour emergency hotline
Covered
A 24-hour emergency hotline (+49 221 5789 4005) organises worldwide medical assistance, arranges suitable hospitals and provides a benefit confirmation before hospital admission or repatriation.
Key conditions
Assistance call deadline
The 24-hour emergency hotline must be contacted immediately before or upon hospital admission, and it must always be contacted before an evacuation/repatriation is carried out to avoid a reduction in benefits.
Unauthorized treatment
If a repatriation is arranged without first obtaining a benefit confirmation (Leistungszusage) from the emergency service, only 80% of the proven extra transport costs are reimbursed instead of 100%.
Purchase while abroad
The insurance contract must be concluded before departure from Germany; it cannot be purchased retroactively once the trip has begun or while already abroad.
Chronic conditions
Illnesses that were recognisably going to require treatment during the planned trip are excluded, unless the trip was undertaken due to the death of a spouse/partner or first-degree relative.
Pregnancy
Expenses for a pregnancy known before the trip, termination, delivery and postpartum illnesses are excluded; unforeseeable acute pregnancy complications, including premature births before the end of the 32nd week and miscarriages, remain covered.
Pre-existing condition exclusions
Chronic or pre-existing conditions whose need for treatment during the trip was foreseeable at departure are not covered under this tariff.
Coverage duration limit
Cover applies to private trips abroad of up to six weeks (42 days) per journey within the insurance year; business trips are limited to 7 days under the annual policy.
Policy specifics
Medical repatriation / Krankenrücktransport
Covers medically necessary transport back to Germany or home country in case of serious illness or accident abroad
SourceHoliday travel coverage duration
Covers holiday trips up to 42 days; coverage applies to any number of trips taken during the insurance period
SourceBusiness travel coverage duration
Covers business trips up to 7 days; annual policy allows multiple business trips
SourceNo waiting period
Coverage begins immediately upon contract conclusion; no waiting period before coverage becomes active
SourceExclusion of foreseeable chronic conditions
Treatment of chronic diseases abroad is often classified as 'foreseeable' and thus not covered; conditions recognizable as existing at time of travel commencement are typically excluded
Source24-hour emergency hotline
Free 24-hour emergency service that organizes medical help worldwide and refers to physicians abroad
SourceCoverage restrictions due to travel warnings
If the German Foreign Office (Auswärtiges Amt) issues a travel warning for the destination country, coverage may be restricted or excluded according to policy conditions
SourceFlexible purchase up to the day before departure
The policy can be concluded online quickly, as late as the day before departure, though it must always be taken out before the trip begins.
SourceOptional hospital daily allowance
For inpatient treatment abroad, the insured can choose between reimbursement of eligible expenses or a hospital daily allowance of 25 EUR per day of hospitalisation.
SourceDKV cooperation model
Medical insurance coverage is underwritten by DKV (German Health Insurance) as Zurich's cooperation partner; Zurich acts as distributor for the German market
SourceRisk group restrictions and special conditions
Special rules may apply to certain risk groups including chronically ill persons, pregnant women, and athletes; these groups may face exclusions or higher premiums
SourceMobilSchutz module bundling
Travel health insurance can be purchased as standalone or as MobilSchutz module within PrivatSchutz bundle; MobilSchutz combines travel medical and travel baggage insurance; requires minimum 3 PrivatSchutz modules
SourceMust be purchased before travel begins
Insurance contract must be concluded before departure; retroactive purchase after travel commencement is not possible
SourcePolicyholder notification obligations
Policyholder must notify insurer immediately upon occurrence of insurable event (illness, injury, accident abroad); Ireland Assist helpline must be called as soon as possible if illness/injury occurs or hospitalization is needed
Source