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ERGO Reiseversicherung Jahresvertrag: the policy wording in full
Jahresvertrag für beliebig viele Reisen weltweit bis 45 Tage je Reise mit unbegrenzter Versicherungssumme, sinnvollem Rücktransport und Bergung bis 10.000 Euro (Auswertung des Produktinformationsblatts).
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 ERGO Reiseversicherung Jahresvertrag.
Basics and territorial scope
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Benefit limit per claim (unlimited or fixed maximum) | as stated in the policy schedule | „Versicherungssumme: Unbegrenzt.“ | Was ist versichert?, page 1 |
| Worldwide cover (excluding country of residence) | yes | „Versicherungsschutz besteht auf Reisen weltweit.“ | Wo bin ich versichert?, page 1 |
| 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 | „Wir ersetzen Kosten für medizinisch notwendige Heilbehandlungen und Hilfsmittel“ | Was ist versichert?, page 1 |
| Maximum duration per trip (days or weeks) | yes | „Der Versicherungsschutz besteht für die ersten 45 Tage der jeweiligen Reise.“ | Wann beginnt und wann endet die Deckung?, page 2 |
| Annual contract for any number of trips in the insurance year | yes | „Es handelt sich um eine Jahres-Reiseversicherung mit automatischer Vertragsverlängerung.“ | Um welche Art von Versicherung handelt es sich?, page 1 |
| Long stays over one year insurable (work and travel, study, emigration) | not addressed | ||
| Maximum entry age or age limit for cover | not addressed | ||
| Residence in the home country required (Germany, Austria, Spain) | yes | „Sie können einen Versicherungsvertrag mit uns schließen, wenn Sie und die versicherte …“ | Um welche Art von Versicherung handelt es sich?, page 1 |
| Purchase possible after departure | not addressed | ||
| Cover continues beyond the maximum duration if unfit to travel | not addressed | ||
| Family tariff (partner and children in one contract) | not addressed |
Medical treatment and hospital
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Outpatient medical treatment | yes, up to the sum insured | „Wir ersetzen Kosten für medizinisch notwendige Heilbehandlungen und Hilfsmittel“ | Was ist versichert?, page 1 |
| Inpatient hospital treatment | yes, up to the sum insured | „Wir ersetzen Kosten für medizinisch notwendige Heilbehandlungen und Hilfsmittel“ | Was ist versichert?, 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) | yes, up to the sum insured | „Wir ersetzen Kosten für medizinisch notwendige Heilbehandlungen und Hilfsmittel“ | Was ist versichert?, page 1 |
| Therapeutic remedies such as massage, physiotherapy, radiation | not addressed | ||
| Pain relieving dental treatment | not addressed | ||
| 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) | not addressed | ||
| Transport to the nearest doctor or hospital | not addressed | ||
| Accommodation of a parent when a child is hospitalised | not addressed | ||
| Daily hospital allowance in lieu of costs | not addressed |
Repatriation and assistance
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Repatriation as soon as medically sensible and justifiable | yes, up to the sum insured | „Wir organisieren einen medizinisch sinnvollen und vertretbaren Krankenrücktransport“ | Was ist versichert?, page 1 |
| Repatriation only if medically necessary | none | „Wir organisieren einen medizinisch sinnvollen und vertretbaren Krankenrücktransport“ | Was ist versichert?, page 1 |
| Cost limit for repatriation | none | „Wir organisieren einen medizinisch sinnvollen und vertretbaren Krankenrücktransport“ | Was ist versichert?, page 1 |
| Search, rescue and recovery costs | yes, up to EUR 10,000 | „Wir übernehmen Such-, Rettungs- und Bergungskosten aufgrund von Krankheit, Unfall oder …“ | Was ist versichert?, page 1 |
| Repatriation of mortal remains | not addressed | ||
| Burial at the place of death abroad | not addressed | ||
| 24 hour emergency hotline | yes | „unverzüglich Kontakt zur Notrufzentrale der ERV aufnehmen“ | Welche Verpflichtungen habe ich?, page 1 |
| Cost guarantee to the hospital (direct billing) | not addressed | ||
| Visit of a close person during a longer hospital stay | not addressed | ||
| Return of accompanying minor children | not addressed | ||
| Additional return travel costs after illness (replacement ticket) | not addressed | ||
| Shipping of medicines to the destination | not addressed | ||
| Interpreter and translation costs | not addressed |
Exclusions and restrictions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion: treatment as the purpose of the trip | yes | „Heilbehandlungen, die ein Grund für die Reise waren.“ | Was ist nicht versichert?, page 1 |
| Exclusion: treatment known or foreseeable at departure | yes | „Heilbehandlungen, von denen Sie schon vor Reiseantritt wussten, dass diese während der …“ | Was ist nicht versichert?, page 1 |
| Passive war risk and terrorism covered (sudden outbreak) | no | „Schäden durch Streik, Eingriffe von hoher Hand, Krieg, Bürgerkrieg oder kriegsähnliche …“ | 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 | not addressed | ||
| Exclusion of motor sport and races | not addressed | ||
| Exclusion under the influence of alcohol or drugs | not addressed | ||
| Exclusion of spa, sanatorium and rehabilitation | not addressed | ||
| 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 | EUR 100 | „Selbstbeteiligung: € 100,- des erstattungsfähigen Schadens.“ | Gibt es Deckungsbeschränkungen?, page 1 |
| 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 | „Sie müssen vor einem stationären Aufenthalt oder einem Krankenrücktransport …“ | Welche Verpflichtungen habe ich?, page 1 |
| 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 | „Ihr Vertrag läuft für ein Jahr und verlängert sich automatisch um jeweils ein weiteres …“ | 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 | not addressed | ||
| Meets Schengen visa requirements (at least 30,000 euros, no deductible) | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- ERGO Reiseversicherung AG
- Distribution
- brokers and direct
- Produktinformationsblatt Jahres-Reisekranken-Versicherung (40.08.453 2303) Edition: 40.08.453 (2303) 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 ERGO Reiseversicherung Jahresvertrag and available as plain text.
Volltext ERGO Reiseversicherung Jahresvertrag · As text (Markdown) ERGO Reiseversicherung Jahresvertrag