DKV Luxembourg Travel insurance (Travel)

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.

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+).

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).

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.

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.

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.

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).

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.

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.

Damage resulting from an epidemic or pandemic illness is explicitly excluded from cover under both the TRAVEL and TRAVEL+ general conditions.

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.

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.

Not addressed by the provided TRAVEL/TRAVEL+ sources beyond the general exclusion of professional-level competitive sports and accidents during motor-vehicle races.

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.

Not addressed by the provided TRAVEL/TRAVEL+ sources; this is a health-only travel product.

Not addressed by the provided TRAVEL/TRAVEL+ sources; this is a health-only travel product.