DKV Luxembourg S.A.
DKV Luxembourg
DKV Luxembourg is a travel insurance for the Luxembourg market with online purchase and 24/7 assistance.
Direct payment
For outpatient care, the insured pays the invoice locally, claims first from the Luxembourg statutory health insurance, and then sends the remaining invoice copies and the statutory insurer's reimbursement statement to DKV. For hospital (inpatient) stays, DKV settles the reimbursable costs directly with the hospital abroad.
Geographic scope
Worldwide (Europe and all other countries)
Covers travel in all countries outside the Grand Duchy of Luxembourg and outside the insured person's country of habitual residence; trips undertaken specifically to receive treatment, or stays in Luxembourg or the country of habitual residence, are not covered.
Starting price
€1
Unique selling points
- DKV markets TRAVEL as the most comprehensive travel health insurance available in Luxembourg.
- Worldwide cover applies wherever the insured travels, with no regional restriction beyond Luxembourg and the country of residence.
- Quick, fully digital subscription and claims management via the easyAPP mobile app and easyAPP Home customer portal.
- TRAVEL+ cover is bundled at no additional cost into EASY HEALTH, PLUS HEALTH and other DKV supplementary health tariffs.
- DKV Luxembourg has specialised in health insurance since 1981 and is the market leader in private health insurance in Luxembourg.
Coverage limits
Overall medical expenses cover (outpatient, dental and inpatient combined)
Covered
Aggregate maximum reimbursement per insured person for outpatient treatment, dental care and hospitalisation combined: EUR 30,000 per insured trip under the standalone TRAVEL tariff (Art. 11), or EUR 150,000 per claim under the TRAVEL+ benefit bundled free of charge with certain DKV health tariffs such as COMPLETE, EASY HEALTH, PLUS EXCLUSIVE and PLUS HEALTH (Art. 8). Repatriation costs are subject to separate limits.
Emergency/unforeseen medical treatment abroad
Covered
Medically necessary treatment for an unforeseen accident or illness occurring abroad is reimbursed up to the aggregate cap (EUR 30,000 under TRAVEL, EUR 150,000 under TRAVEL+).
Hospitalization (inpatient treatment)
Covered
Up to 100% of costs for medical treatment (including surgery), the hospital stay (single-room accommodation), medically necessary transport to the nearest hospital by an approved emergency service, and accommodation of one parent when a child under 13 is hospitalised. Reimbursed within the overall aggregate cap (see medical_expenses).
Outpatient treatment
Covered
Up to 100% of costs for medical consultations, medicines/dressings, remedies (physiotherapy, massages, hydrotherapy, electrotherapy, etc.), medical devices needed for the first time due to an accident abroad (excluding visual and hearing aids), and medically necessary transport to the nearest doctor by an approved emergency service. Reimbursed within the overall aggregate cap.
Emergency dental treatment
Covered
Up to 100% of costs for pain-relieving dental treatment, medically necessary simple fillings, and repair of existing dentures to restore chewing ability; provisional dentures are capped at EUR 250. This EUR 250 sub-limit is identical under TRAVEL and TRAVEL+. Dental prostheses and crowns are excluded.
Local medical transport to nearest doctor/hospital
Covered
Medically necessary transport to the nearest accessible doctor or hospital by an approved emergency service is covered as part of the outpatient and hospitalisation benefits, within the overall aggregate cap.
Medical evacuation / repatriation of the living insured person
Covered
DKV organises and pays for a medically advisable and justifiable return transport of the insured person, either to their place of residence or to the nearest suitable hospital, including the cost of a medically necessary accompanying person. Under the standalone TRAVEL tariff this benefit is capped, together with the deceased-repatriation costs, at EUR 30,000 per insured person (Art. 11.4). Under TRAVEL+ no separate aggregate cap is stated for this benefit beyond the sub-limits listed under repatriation of remains (Art. 8.6).
Repatriation of mortal remains
Covered
In the event of death, DKV organises and pays for transfer of the mortal remains to the country of residence, covering the undertaker's costs abroad, on-site preservation of the body, and transport of the remains to the place of burial or cremation. The coffin cost is capped at EUR 1,000 under the standalone TRAVEL tariff and EUR 1,500 under TRAVEL+. Under TRAVEL, this benefit shares a combined EUR 30,000 cap with the living-person repatriation benefit; TRAVEL+ states no separate aggregate cap beyond the coffin sub-limit. Other burial/cremation costs in the country of residence are not covered; luggage return costs are also excluded.
Search and rescue costs
Conditional
Costs for a search, rescue or salvage operation by recognised rescue services are covered up to EUR 5,000 under the TRAVEL+ general conditions. In the case of a medical emergency on a ski slope, this cover applies only if the insured person was on a marked and open piste at the time. The joint TRAVEL/TRAVEL+ IPID lists this as an included benefit, but the standalone TRAVEL general conditions (Art. 11) do not restate a separate sub-limit for it; it would therefore fall within TRAVEL's overall EUR 30,000 aggregate cap.
COVID-19 / pandemic-related treatment
Excluded
Damage resulting from an epidemic or pandemic illness is explicitly excluded from cover under both the TRAVEL and TRAVEL+ general conditions.
Pre-existing / known conditions requiring treatment during the trip
Excluded
Treatment for a condition diagnosed before the trip as requiring care during the planned journey (e.g. scheduled dialysis) is excluded, as is treatment where a pre-trip medical diagnosis showed the insured was unfit to travel; medication needed for a pre-existing long-term treatment plan started before departure is not reimbursed.
Winter sports cover
Conditional
Ordinary accident or illness treatment sustained while skiing is covered as any other insured event. However, cover for search-and-rescue costs following a medical emergency on a ski slope applies only if the insured person was on a marked and open piste at the time of the emergency.
Adventure sports cover
Not offered
Not addressed by the provided TRAVEL/TRAVEL+ sources beyond the general exclusion of professional-level competitive sports and accidents during motor-vehicle races.
Pregnancy complications
Conditional
Costs related to a pregnancy, termination, sterilisation, miscarriage or childbirth known to the insured person before departure are excluded. However, acute, unforeseeable pregnancy complications, premature births before the end of the 32nd week of pregnancy, and miscarriages are covered, including necessary treatment of the premature infant.
Personal liability abroad
Not offered
Not addressed by the provided TRAVEL/TRAVEL+ sources; this is a health-only travel product.
Legal assistance abroad
Not offered
Not addressed by the provided TRAVEL/TRAVEL+ sources; this is a health-only travel product.
24/7 assistance service
Covered
DKV's service centre and medical assistance line can be reached around the clock, every day, by phone or e-mail, to obtain information on medical care possibilities at the place of stay, hospital/clinic referrals and transfer options, direct billing arrangements with the hospital abroad, contact with the family physician, and notification of relatives if requested.
Key conditions
Assistance call deadline
Any hospital treatment must be reported to DKV within 3 days by phone, e-mail or the customer portal; if DKV is notified later, benefits are only payable from the day it is informed.
Unauthorized treatment
A deliberate breach of a policy obligation (providing required evidence, undergoing a requested medical examination, etc.) releases DKV from its obligation to pay; other breaches may reduce benefits by the amount of loss caused, and breaches due to gross negligence only reduce benefits if they affected the assessment of the claim.
Purchase while abroad
The standalone TRAVEL policy must be concluded, and the premium paid, before crossing the border abroad; no cover is granted for insured events occurring before the contract is concluded, so the policy cannot be bought once already travelling.
Chronic conditions
Treatment for a condition already diagnosed before departure and foreseeably requiring care during the planned trip (e.g. scheduled dialysis) is excluded, unless the trip is undertaken due to the death of a spouse or first-degree relative; medication needed for a pre-existing long-term treatment plan is not reimbursed.
Pregnancy
Costs related to a pregnancy, termination, sterilisation, miscarriage or childbirth known to the insured person before departure are excluded; acute, unforeseeable pregnancy complications, premature births before the end of the 32nd week, and miscarriages remain covered, including necessary treatment of the premature infant.
Pre-existing condition exclusions
Treatments known to be necessary before the trip began, or diagnosed before departure as making the insured unfit to travel, are not covered.
Coverage duration limit
The standalone TRAVEL tariff can be taken out for a minimum of 7 and a maximum of 99 days per trip, with no automatic renewal. The TRAVEL+ benefit bundled with certain DKV health tariffs covers the first 56 days (8 weeks) of a trip, extendable at no extra premium if the insured is medically unfit to be transported at the end of that period.
Where to buy
Documents
General Terms and Conditions of Insurance - TRAVEL+ (trilingual DE/FR/EN)
terms_and_conditions
General Terms and Conditions - standalone TRAVEL tariff (French)
terms_and_conditions
General Terms and Conditions - standalone TRAVEL tariff (English)
terms_and_conditions
Insurance Product Information Document - TRAVEL / TRAVEL+
ipid
Insurance Product Information Document - TRAVEL / TRAVEL+ (French)
ipid
Policy specifics
Medical treatment coverage
Covers medical services, medicines, and physiotherapy during foreign travel. Covers accident-related medical devices.
Hospitalization coverage
Covers inpatient treatment, operation costs, and medical transport to hospital. Single room accommodation provided in hospital. Parental accommodation costs for children under 13 also covered.
Dental treatment
Covers pain-relieving dental treatment and medically required dental fillings, even when compulsory health insurance does not pay.
Coverage duration
Valid for the journey abroad indicated on the insurance application. Coverage applies for temporary foreign stays up to maximum 56 days (8 weeks) per insured person.
Geographic coverage
Covers travel in Europe and throughout the world. Considered foreign: all territories outside the Grand Duchy of Luxembourg and the country in which the insured person usually resides.
Travel warning exclusion
If Luxembourg issues a travel warning for a territory, insurance coverage automatically ceases after maximum 14 days from publication of the warning.
Treatment-purpose stay exclusion
Any stay abroad for the purpose of treatment (pre-planned medical travel) is excluded from the cover.
Coverage duration - TRAVEL+
TRAVEL+ applies for the first 56 days (8 weeks) of a trip abroad taken by an insured person holding an eligible DKV health tariff, at no additional premium.
Coverage duration - standalone TRAVEL
The standalone TRAVEL policy must be taken out for a minimum of 7 days per person and can run for a maximum of 99 days; it ends automatically at the stated end date with no automatic renewal, though cover is extended without extra premium (up to 28 extra days) if the insured is medically unfit to be transported at expiry.
Emergency and unforeseen treatment
Coverage applies to emergency and unforeseen treatments only during the foreign stay. Does not cover planned or pre-existing condition treatments.
Online subscription requirement
Insurance must be taken out online via easyAPP application or at DKV reception desk. Payment by credit card (Visa/MasterCard) or Payconiq. Premium is charged per day of cover.
LALUX Group customer requirement
Travel health insurance is an exclusive service reserved for customers of the LALUX Group who are affiliated to compulsory health insurance in Luxembourg or equivalent statutory insurance scheme.
Repatriation to country of origin
Includes organization and expenses for repatriation of the insured person to the country of origin in case of death or serious medical conditions requiring return.