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ERGO Reiseversicherung Nexible Jahresvertrag: the policy wording in full
Jahresvertrag von nexible für Reisen weltweit bis 28 Tage je Reise mit unbegrenzter Versicherungssumme, Schutz bei Verschlechterung bestehender Erkrankungen und Bergung bis 15.000 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 Nexible 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 je Reise: Unbegrenzt.“ | Was ist versichert?, page 1 |
| Worldwide cover (excluding country of residence) | yes | „Versicherungsschutz besteht 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 | „Kosten für Heilbehandlungen im Ausland“ | Was leisten wir z.B.?, page 1 |
| Maximum duration per trip (days or weeks) | yes | „Versicherungsschutz besteht für die ersten 28 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 | „Voraussetzung ist, dass Sie und die versicherte Person Ihren gewöhnlichen Aufenthalt …“ | 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 | „Kosten für Heilbehandlungen im Ausland (z.B.: Kosten für stationäre und ambulante …“ | Was leisten wir z.B.?, page 1 |
| Inpatient hospital treatment | yes, up to the sum insured | „Kosten für Heilbehandlungen im Ausland (z.B.: Kosten für stationäre und ambulante …“ | Was leisten wir z.B.?, 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 | 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 | yes, up to the sum insured | „Sie sind versichert, wenn Sie während Ihrer Reise erkranken, sich Ihre bereits vor …“ | Was ist versichert?, page 1 |
| 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 | „Einen medizinisch sinnvollen und vertretbaren Krankenrücktransport“ | Was leisten wir z.B.?, page 1 |
| Repatriation only if medically necessary | none | „Einen medizinisch sinnvollen und vertretbaren Krankenrücktransport“ | Was leisten wir z.B.?, page 1 |
| Cost limit for repatriation | none | „Einen medizinisch sinnvollen und vertretbaren Krankenrücktransport“ | Was leisten wir z.B.?, page 1 |
| Search, rescue and recovery costs | yes, up to EUR 15,000 | „Such-, Rettungs- und Bergungskosten ersetzen wir bis maximal € 15.000,-.“ | Gibt es Deckungsbeschränkungen?, 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 2 |
| 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) | not addressed | ||
| 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 | „Die Selbstbeteiligung beträgt € 100,- je versicherten Fall.“ | 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 | „müssen vor einem stationären Aufenthalt, einem Krankenrücktransport, einer Bestattung …“ | 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 | „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 Nexible Jahresreiseversicherung Krankenversicherung (40.08.465 2409) Edition: 40.08.465 (2409) Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German. It is printed on the German page for ERGO Reiseversicherung Nexible Jahresvertrag and available as plain text.
Volltext ERGO Reiseversicherung Nexible Jahresvertrag · As text (Markdown) ERGO Reiseversicherung Nexible Jahresvertrag