Direct booking and payment through the app
The world including and the world excluding USA and Canada
Choose between 0, 500 or 1.000 € annual deductible.
“Plus” and “Best” – all you expect or all you can wish for
| Plan Level | Plus | Best | |
|---|---|---|---|
| Annual maximum benefit | No Limit | No Limit | |
| Max. contract duration | |||
| Free Choice of Practitioners | |||
| Coverage in the Home Country |
| Plan Level | Plus | Best | |
|---|---|---|---|
| Diagnosis & Examinations | |||
| Conditions wording | 100% of the costs of diagnostic examinations This includes pathology, radiology, computed tomography (CT), magnetic resonance imaging (MRI), positron emission tomography (PET), as well as application of X-rays, radium and isotope therapy; | ||
| Medication | |||
| Conditions wording | 100% of the costs of prescribed medicines and dressings. Lifestyle products (including potency, hair growth, or weight reduction products), contraceptives, nutrients and tonics, vitamin and vitamin mix products, cosmetics, and similar products are not considered medicines even if they have been prescribed by a doctor and are therefore not covered by the insurance; | ||
| Remedies | |||
| Conditions wording | 100% of the costs of medically prescribed remedies such as baths, physiotherapy, manual therapy, massages, inhalations and light, heat and other electrical and physical treatments; Osteopathic and/or chiropractic treatments, a total of max. 20 treatments per calendar year including medicines and dressings; Speech therapy: treatments provided as part of or in conjunction with speech therapy and provided by a qualified speech therapist are refundable. Occupational therapy: treatments provided as part of or in conjunction with occupational therapy and provided by a qualified occupational therapist are refundable. | ||
| Medical Aids | |||
| Conditions wording | 100% of the costs of medically prescribed aids (with the exception of visual aids and aids used in the context of the care of an insured person, as well as sanitary aids) up to a total invoice amount of EUR 1,000.00 per person and calendar year. Expenses for the functionality (except repairs within a maximum rate), use, and care of medical aids are not refundable; 100% of the costs of life-supporting medical aids and devices A medical aid or device is life-supporting if without its use a life-threatening situation would immediately arise (e.g., ventilators for life-sustaining ventilation, monitoring devices for respiratory and heart rates, systems for home dialysis and for oxygen therapy); | ||
| Plan Level | Plus | Best | |
|---|---|---|---|
| Inpatient treatment | |||
| Hospital accommodation | |||
| Conditions wording | 100% of the costs of accommodation and meals during inpatient medical treatment in a double room. | 100 % of the costs of accommodation and meals for inpatient treatment in a single room Rooms with luxury amenities such as deluxe and executive rooms and suites are non-refundable. | |
| Inpatient Transport | |||
| Conditions wording | 100% of the costs of the necessary transport to or from an inpatient medical treatment to the nearest hospital recognized in accordance with par. 3 or the nearest hospital that is suitable from a medical point of view; | ||
| Blood bag transport | |||
| Conditions wording | 100% of the costs of a blood bag transport If blood bags are medically necessary for an operation at a location where the operation is being performed and HIV infection is expected to be present in the blood bags available on-site or if the necessary blood bags are not available on-site, the necessary costs for transporting blood bags abroad will be reimbursed | ||
| Chief Physician Treatment | |||
| Conditions wording | 100 % of the costs of treatment by the chief physician | ||
| Rooming-In | |||
| Conditions wording | 100% of rooming-in costs If, in addition to an insured child up to the age of 18, a parent is admitted to hospital as an accompanying person, a daily hospital allowance of EUR 50.00 per day will be paid for the duration of the accompaniment, up to a maximum of EUR 500.00 per calendar year and insured child. Additional costs for accommodation and meals for a parental companion for children up to the age of 12 are reimbursed in the event of inpatient hospital treatment; | ||
| Hospital Cash Plan Benefit | |||
| Conditions wording | From the 15th day of a medically necessary hospital stay, a daily hospital allowance of EUR 50.00 per day is paid without proof of costs. The maximum benefit period is 20 days per calendar year | ||
| Plan Level | Plus | Best | |
|---|---|---|---|
| Outpatient Treatments | |||
| Conditions wording | 100% of the costs of medical consultations, visits, and procedures including operations and ancillary operating costs These services can also be provided by therapists who are licensed in the country of residence and practice recognized medical professions there (for example, non-medical practitioners, chiropractors, physiotherapists, osteopaths). This includes alternative treatment methods such as: acupuncture (needle technique), homeopathy, Traditional Chinese Medicine (TCM) treatment methods | ||
| Transport | |||
| Conditions wording | 100% of outpatient transport costs Necessary transportation to and from the doctor, dentist or hospital for primary care after an emergency or accident and transport to dialysis, radiation therapy, or chemotherapy, as well as travel to and from outpatient surgery (on the day of surgery) are refundable; | ||
| Checkups | |||
| Conditions wording | 100% of the costs of medically necessary preventive examinations for the early detection of diseases; | ||
| Vaccination | |||
| Conditions wording | 100% of all vaccination costs – including work-related vaccinations or vaccinations required to travel abroad – as well as vaccines and any medical expenses incurred as a result of vaccination. The policy does not cover vaccinations that take place prior to the start of coverage; | ||
| Plan Level | Plus | Best | |
|---|---|---|---|
| Inpatient follow-up treatments | |||
| Conditions wording | Inpatient follow-up treatment is any treatment preceded by inpatient hospital treatment and any such follow-up treatment must begin no later than two weeks after completion of the mentioned inpatient hospital treatment. A right to benefits exists at most for the expenses incurred in the first 28 days of inpatient follow-up treatment; | ||
| Outpatient rehabilitation | |||
| Conditions wording | 100% of the costs of outpatient rehabilitation measures Expenses for outpatient rehabilitation measures are refundable if the other insured benefits listed above are not sufficient to achieve the medically necessary treatment objective. Entitlement to outpatient rehabilitation measures is limited to a maximum of 20 days of treatment, unless an extension is urgently required for medical reasons; | ||
| Home Nursing Care | |||
| Conditions wording | 100% of the costs of home nursing care Home nursing care following a continuous inpatient hospital stay of at least two weeks. A medical opinion must be submitted to prove the medical necessity of home nursing care. Coverage includes home nursing care services that are typically medical services (e.g., dressing changes, ostomy care, medication administration, etc.). Reimbursement is EUR 200.00 per day, up to a maximum of EUR 2,800.00 per insured person per calendar year. Other care services, such as washing, dressing, housekeeping, etc., are not covered; | ||
| Plan Level | Plus | Best | |
|---|---|---|---|
| Maternity care and childbirth | |||
| Conditions wording | 100% of the costs of obstetrics and follow-up care by a midwife. In addition to the costs of childbirth, we reimburse all medically necessary examinations and treatments as part of prenatal care. Examinations by a midwife and prenatal, obstetric, and postnatal care services are refundable. | ||
| Complications of pregnancy and childbirth | |||
| Conditions wording | 100% of the costs of pregnancy complications and a medically necessary Caesarean section. | ||
| Newborn Coverage | |||
| Conditions wording | For newborns, insurance coverage begins immediately after birth if, on the day of birth, one parent has been insured under the group insurance contract for at least three months and the newborn accompanies the insured parent. Insurance coverage begins without risk premiums and without waiting periods if the application is made retroactively no later than two months after the date of birth. Coverage may not be higher or more comprehensive than that of a covered parent. If insurance coverage is applied for at a later date, the parties may agree on a risk premium up to the onefold premium amount. In case of doubt, the presentation of the birth certificate is considered as registration of newborn children. | ||
| Extended prenatal care | |||
| Conditions wording | 100% of the costs of first trimester screening and amniocentesis. The insurance coverage also includes the costs of birth preparation courses and postnatal exercises, in each case up to the maximum amount of EUR 500.00. | ||
| Outpatient childbirth cash benefit | | ||
| Conditions wording | Provided that the inpatient stay for a childbirth has lasted less than three days or a home birth has taken place, a lump sum of EUR 130.00 is paid | ||
| Plan Level | Plus | Best | |
|---|---|---|---|
| Inpatient | |||
| Conditions wording | 100% inpatient psychotherapy If the emphasis of the inpatient treatment is on psychotherapeutic treatment, benefits are payable at most for the expenses incurred in the first six weeks per insured event; | ||
| Outpatient | |||
| Conditions wording | 100% of the costs of outpatient psychological therapy, as part of primary care, for up to 3 sessions; | 100 % of the costs of outpatient psychotherapy If treatment requires more than 15 sessions (including probatory sessions), the insured person must obtain written authorization from the insurance for reimbursement of therapy in excess of this amount;. | |
| Plan Level | Plus | Best | |
|---|---|---|---|
| Emergency / accidental | |||
| Conditions wording | 50% of the costs of dentures and jaw adjustment (orthodontic treatment) as a result of an accident | ||
| Dental Treatments | |||
| Conditions wording | 100% of the costs of dental treatment e.g., high-quality dental fillings (inlays), extractions, root canal treatments, diseases of the oral mucosa and periodontium, dental prophylactic measures, but not dental cleaning; | ||
| Scale-and-polish cleaning | |||
| Dentures & Orthodentistry | |||
| Conditions wording | 50% of the costs of dentures as well as tooth and jaw adjustment (orthodontic treatment); The insurance covers expenses for dentures (e.g., dental prostheses, pivot teeth, bridges, crowns, implants), repairs to dentures, as well as for dental and jaw adjustment, functional analysis and functional therapy services, including preliminary and follow-up treatments | ||
| Plan Level | Plus | Best | |
|---|---|---|---|
| Vision aids | |||
| Conditions wording | Glasses, contact lenses, and sunglasses with prescription lenses (even with a refraction by the optician): expenses up to an invoice amount of EUR 300.00 within two calendar years are refundable. The period begins with the calendar year in which the first visual aid of an entitlement period is obtained; | ||
| Vision treatments | |||
| Conditions wording | The insurance policy covers the surgical procedure to correct ametropia (e.g., LASIK), including the necessary preliminary and follow-up examinations, after a period of 2 years – calculated from the start of the insurance or the reported start of the insured person’s trip. Expenses are refundable up to a total invoice amount of EUR 2,000.00 per eye during the entire contract period; |
| Plan Level | Plus | Best | |
|---|---|---|---|
| Search, Rescue and Recovery | |||
| Conditions wording | 100 % of search, rescue, and recovery costs If the insured person suffers an accident and has to be searched, rescued, or recovered as a result, the insurance covers the costs incurred up to EUR 10,000.00; | ||
| Repatriation | |||
| Conditions wording | 100% of the costs of return transports If there is a medical indication for a return transport due to an illness or the consequence of an accident and if this is medically reasonable and justifiable, the necessary expenses for the medical transport of an insured person (including the costs, if any, for any medically trained personnel required to accompany the insured person) from abroad to his/her home country will be reimbursed in full. This also includes rescue flights (patient transport with an ambulance aircraft specially equipped and approved for this purpose) if, according to a medical certificate, such a flight is the only way to save the life of insured persons who are seriously ill or injured, and if it is carried out by an air rescue company recognized in accordance with the guidelines for the performance of ambulance flights; | ||
| Repatriation of co-insured | |||
| Conditions wording | 100% of the necessary costs of a return transport of co-insured children under 18 years as well as an accompanying person will be reimbursed up to a total amount of EUR 5,000.00, provided that the main person insured and all co-insured adult persons have been returned home or have died; | ||
| Mortal Remains & Funeral Costs | |||
| Conditions wording | 100% of the costs of transport of mortal remains/funeral costs If the insured person dies abroad, the costs of repatriation of his/her mortal remains – even after prior cremation at the place of death – to his/her place of residence in the original country of departure will be reimbursed. In lieu of the cost of transporting the mortal remains, the cost of burial at the place of death may be reimbursed. Coffins, caskets, and urns are reimbursable in simple designs. Costs incurred in connection with funeral services or religious or ritual ceremonies, as well as, for example, costs of flower arrangements, advertisements, funeral cards, etc., are not refundable | ||
