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ADAC Auslandskrankenschutz Exklusiv: the policy wording in full
Jahresvertrag für Auslandsaufenthalte bis 63 Tage weltweit mit Kostenerstattung wie im Basistarif und zusätzlichen Summenleistungen: Krankenhaustagegeld bis 900 Euro, Übergangsleistung bis 3.000 Euro und Sofortleistung 5.000 Euro.
German market: tariffs for people living in Germany.
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Everything about this policy
What the policy covers: 66 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for ADAC Auslandskrankenschutz Exklusiv.
Basics and territorial scope
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Benefit limit per claim (unlimited or fixed maximum) | as stated in the policy schedule | ||
| Worldwide cover (excluding country of residence) | yes | „Versicherungsschutz besteht auf der ganzen Welt mit Ausnahme Deutschlands und des …“ | Wo bin ich versichert?, page 2 |
| USA and Canada included without surcharge or special rule | not addressed | ||
| Cover also within the home country away from the place of residence (common in Spain) | no | „für Aufwendungen, die in Deutschland entstanden sind, selbst wenn es sich um Folgen …“ | Was ist nicht versichert?, page 1 |
| Maximum duration per trip (days or weeks) | yes | „Versicherungsschutz besteht für die ersten 63 Tage eines jeden Auslandsaufenthaltes …“ | Wann beginnt und endet die Deckung?, page 2 |
| Annual contract for any number of trips in the insurance year | yes | „Es handelt sich um einen Vertrag mit Verlängerung. Dieser hat eine Laufzeit von einem …“ | Um welche Art der Versicherung handelt es sich?, page 1 |
| Long stays over one year insurable (work and travel, study, emigration) | no | „Versicherungsschutz besteht für die ersten 63 Tage eines jeden Auslandsaufenthaltes …“ | Wann beginnt und endet die Deckung?, page 2 |
| Maximum entry age or age limit for cover | not addressed | ||
| Residence in the home country required (Germany, Austria, Spain) | not addressed | ||
| Purchase possible after departure | no | „Der Vertrag muss vor Grenzübertritt abgeschlossen werden.“ | Wann beginnt und endet die Deckung?, page 2 |
| Cover continues beyond the maximum duration if unfit to travel | not addressed | ||
| Family tariff (partner and children in one contract) | yes | „Bei einem Familienvertrag ist Ihre Familie mitversichert, unabhängig ob Sie gemeinsam …“ | Welche Personen sind versichert?, page 1 |
Medical treatment and hospital
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Outpatient medical treatment | yes | „Stationäre und ambulante Behandlungskosten“ | Welche Erstattungsleistungen gibt es?, page 1 |
| Inpatient hospital treatment | yes | „Stationäre und ambulante Behandlungskosten“ | Welche Erstattungsleistungen gibt es?, page 1 |
| Free choice of hospital and doctor at destination | not addressed | ||
| Private doctor or senior physician, single room | not addressed | ||
| Prescribed medicines and dressings | not addressed | ||
| Medical aids after accident or illness (crutches, bandages, splints) | not addressed | ||
| Therapeutic remedies such as massage, physiotherapy, radiation | not addressed | ||
| Pain relieving dental treatment | yes | „Zahnarztkosten“ | Welche Erstattungsleistungen gibt es?, page 1 |
| Simple dental fillings | not addressed | ||
| Repair of dentures and temporary dental work | not addressed | ||
| Treatment of pregnancy complications and premature birth | not addressed | ||
| Acute unexpected worsening of a pre-existing condition covered | not addressed | ||
| Acute mental illness (initial care, inpatient) | no | „für Hypnose und psychotherapeutische Behandlung“ | Was ist nicht versichert?, page 1 |
| Transport to the nearest doctor or hospital | yes | „Erst- und Verlegungstransport“ | Welche Erstattungsleistungen gibt es?, page 1 |
| Accommodation of a parent when a child is hospitalised | yes | „Rooming-In“ | Welche Erstattungsleistungen gibt es?, page 1 |
| Daily hospital allowance in lieu of costs | yes, up to EUR 900 | „Krankenhaustagegeld max. 900 €“ | Welche Summenleistungen gibt es?, page 1 |
Repatriation and assistance
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Repatriation as soon as medically sensible and justifiable | not addressed | ||
| Repatriation only if medically necessary | not addressed | ||
| Cost limit for repatriation | not addressed | ||
| Search, rescue and recovery costs | yes, up to EUR 10,000 | „Kosten für Personenbergung max. 10.000 €“ | Welche Erstattungsleistungen gibt es?, page 1 |
| Repatriation of mortal remains | yes | „Überführung Verstorbener“ | Welche Serviceleistungen gibt es?, page 1 |
| Burial at the place of death abroad | not addressed | ||
| 24 hour emergency hotline | not addressed | ||
| Cost guarantee to the hospital (direct billing) | yes | „Kostenübernahmeerklärung gegenüber einem Krankenhaus“ | Welche Serviceleistungen gibt es?, page 1 |
| Visit of a close person during a longer hospital stay | yes, up to EUR 1,000 | „Kosten für Krankenbesuch max. 1.000 €“ | Welche Erstattungsleistungen gibt es?, page 1 |
| Return of accompanying minor children | yes | „Betreuungs- und Rückreisekosten für Kinder“ | Welche Erstattungsleistungen gibt es?, page 1 |
| Additional return travel costs after illness (replacement ticket) | yes, up to EUR 1,000 | „Kosten für die Fahrt von der Erstversorgung zurück zur Unterkunft max. 1.000 €“ | Welche Erstattungsleistungen gibt es?, page 1 |
| Shipping of medicines to the destination | yes | „Versand von Brillen und Arzneimittel“ | Welche Serviceleistungen gibt es?, page 1 |
| Interpreter and translation costs | yes, up to EUR 200 | „Kosten für Dolmetscher max. 200 €“ | Welche Erstattungsleistungen gibt es?, page 1 |
Exclusions and restrictions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion: treatment as the purpose of the trip | yes | „wenn die Behandlung im Ausland der alleinige Grund oder einer der Gründe für den …“ | Was ist nicht versichert?, page 1 |
| Exclusion: treatment known or foreseeable at departure | not addressed | ||
| Passive war risk and terrorism covered (sudden outbreak) | yes | „wenn der Schadensfall durch vorhersehbare Kriegsereignisse oder innere Unruhen …“ | Was ist nicht versichert?, page 1 |
| Illness during an epidemic or pandemic covered | not addressed | ||
| Exclusion or reduction if a government travel warning exists | not addressed | ||
| Exclusion of dangerous or extreme sports | yes | „wenn Sie Berufssportler sind, für Verletzungen, die durch die aktive Teilnahme an …“ | Was ist nicht versichert?, page 1 |
| Exclusion of motor sport and races | not addressed | ||
| Exclusion under the influence of alcohol or drugs | not addressed | ||
| Exclusion of spa, sanatorium and rehabilitation | yes | „Kur- und Sanatoriumsbehandlungen“ | Gibt es Deckungsbeschränkungen?, page 1 |
| Exclusion for long term care or custodial care | not addressed | ||
| Exclusion of intentionally caused illness and accidents | not addressed |
Deductible and benefit rules
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim or trip | not addressed | ||
| Subsidiary to statutory health insurance or other contracts | not addressed | ||
| Waiting period after purchase | not addressed | ||
| Obligation to notify before hospital admission, otherwise reduction | yes | „Verständigen Sie uns umgehend, wenn Sie eine Serviceleistung benötigen.“ | Welche Verpflichtungen habe ich?, page 2 |
| Benefits only through the assistance company (no reimbursement of self paid costs) | not addressed | ||
| Deadline for submitting receipts | not addressed | ||
| Receipts in foreign languages accepted without certified translation | not addressed | ||
| Continued cover beyond contract end during a hospital stay | not addressed |
Contract and term
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Tacit renewal of the annual contract | yes | „Der Vertrag mit Verlängerung kann spätestens 1 Monat vor Vertragsablauf in Textform …“ | Wie kann ich den Vertrag kündigen?, page 2 |
| Premium refund on early return (long stay) | not addressed | ||
| Contract extension possible while abroad | not addressed | ||
| Premium changes with age bands | not addressed | ||
| Insurer may cancel after a claim | yes | „Nach einem Versicherungsfall können Sie oder wir den Vertrag vorzeitig kündigen.“ | Wie kann ich den Vertrag kündigen?, page 2 |
| Meets Schengen visa requirements (at least 30,000 euros, no deductible) | not addressed |
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Policy wordings and provider
- Legal entity
- ADAC Versicherung AG
- Distribution
- direct from the insurer only
- ADAC Auslandskrankenschutz Exklusiv, IPID Edition: IPID Versicherungsbeginn ab 09.12.2019 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German. It is printed on the German page for ADAC Auslandskrankenschutz Exklusiv and available as plain text.
Volltext ADAC Auslandskrankenschutz Exklusiv · As text (Markdown) ADAC Auslandskrankenschutz Exklusiv