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HUK-COBURG Auslandsreiseschutz in Krankenzusatztarifen: the policy wording in full
Auslandsreiseschutz als Baustein der HUK-Krankenzusatztarife, erstattet die nach Leistung anderer Kostenträger verbleibenden Kosten zu 100 Prozent, mit organisiertem Rücktransport und Überführung bis 10.000 Euro.
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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 HUK-COBURG Auslandsreiseschutz in Krankenzusatztarifen.
Basics and territorial scope
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Benefit limit per claim (unlimited or fixed maximum) | as stated in the policy schedule | „Erstattungsfähig sind die verbleibenden medizinisch notwendigen Aufwendungen zu 100 %“ | § 3 (5), page 1 |
| Worldwide cover (excluding country of residence) | yes | „Versicherungsschutz besteht weltweit für Versicherungsfälle, die während der …“ | § 2, page 1 |
| USA and Canada included without surcharge or special rule | yes | „Versicherungsschutz besteht weltweit für Versicherungsfälle, die während der …“ | § 2, page 1 |
| Cover also within the home country away from the place of residence (common in Spain) | no | „Als Ausland gilt das Gebiet außerhalb Deutschland mit Ausnahme der“ | § 1 (3), page 1 |
| Maximum duration per trip (days or weeks) | not addressed | ||
| Annual contract for any number of trips in the insurance year | not addressed | ||
| 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) | not addressed | ||
| 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 | „ambulante ärztliche Heilbehandlung, einschließlich Röntgendiagnostik“ | § 3 (5) a, page 1 |
| Inpatient hospital treatment | yes, up to the sum insured | „stationäre Heilbehandlung einschließlich Operationen und Operations-Nebenkosten, sofern …“ | § 3 (5) d, page 1 |
| Free choice of hospital and doctor at destination | yes | „Der versicherten Person steht die Wahl unter den im Aufenthaltsland zur Heilbehandlung …“ | § 3 (1), page 1 |
| Private doctor or senior physician, single room | not addressed | ||
| Prescribed medicines and dressings | yes, up to the sum insured | „Arznei-, Heil- und Verbandmittel aufgrund ärztlicher Verordnung“ | § 3 (5) b, page 1 |
| Medical aids after accident or illness (crutches, bandages, splints) | yes, up to the sum insured | „Miete oder Leihe ärztlich verordneter Hilfsmittel, soweit diese erstmals erforderlich …“ | § 3 (5) c, page 1 |
| Therapeutic remedies such as massage, physiotherapy, radiation | yes, up to the sum insured | „außer Massagen, Bäder und medizinische Packungen und Krankengymnastik“ | § 3 (5) b, page 1 |
| Pain relieving dental treatment | yes, up to the sum insured | „schmerzstillende Zahnbehandlung und notwendige Zahnfüllungen in einfacher Ausführung“ | § 3 (5) f, page 1 |
| Simple dental fillings | yes, up to the sum insured | „schmerzstillende Zahnbehandlung und notwendige Zahnfüllungen in einfacher Ausführung“ | § 3 (5) f, page 1 |
| Repair of dentures and temporary dental work | yes, up to EUR 300 | „Reparaturen von Zahnersatz sind bis 300 € je Versicherungsfall erstattungsfähig“ | § 3 (5) f, page 1 |
| Treatment of pregnancy complications and premature birth | yes, up to the sum insured | „Als Versicherungsfall gelten auch regelwidrige Schwangerschaftsbeschwerden …“ | § 1 (2), page 1 |
| Acute unexpected worsening of a pre-existing condition covered | yes, up to the sum insured | „deren Verschlechterung oder wegen akuter Folgen eines Unfalls“ | § 1 (2), page 1 |
| Acute mental illness (initial care, inpatient) | yes, up to the sum insured | „Nicht ausgeschlossen ist die akute psychische Betreuung nach traumatischen Ereignissen.“ | § 4 (1) d, page 2 |
| Transport to the nearest doctor or hospital | yes, up to the sum insured | „notwendigen Transport zur erforderlichen akuten Erstversorgung zum nächst erreichbaren …“ | § 3 (5) e, page 1 |
| Accommodation of a parent when a child is hospitalised | yes, up to EUR 15 | „bei medizinisch notwendiger Aufnahme einer Begleitperson ein Krankenhaustagegeld von 15 €“ | § 3 (5) d, page 1 |
| 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 | „Die HUK-COBURG-Krankenversicherung organisiert den medizinisch sinnvollen und …“ | § 3 (6) a, page 1 |
| Repatriation only if medically necessary | none | „Die HUK-COBURG-Krankenversicherung organisiert den medizinisch sinnvollen und …“ | § 3 (6) a, page 1 |
| Cost limit for repatriation | none | „Keine Leistungspflicht besteht, soweit der Rücktransport nicht durch die …“ | § 3 (6) a, page 1 |
| Search, rescue and recovery costs | not addressed | ||
| Repatriation of mortal remains | yes, up to EUR 10,000 | „bis zu 10.000 € Versicherungsleistung“ | § 3 (6) b, page 2 |
| Burial at the place of death abroad | yes, up to the sum insured | „Aufwendungen für die Bestattung einer versicherten Person im Ausland übernehmen wir“ | § 3 (6) b, page 2 |
| 24 hour emergency hotline | yes | „Der 24h-Kontakt ist im Ausland mit der jeweils gültigen Vorwahl für Deutschland unter …“ | § 3 (7) a, page 2 |
| Cost guarantee to the hospital (direct billing) | yes | „Der Versicherer gibt gegenüber dem Krankenhaus eine Kostenübernahmegarantie ab“ | § 3 (7) d, page 2 |
| 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) | no | „Aufwendungen für die Fortsetzung der Reise bzw. für eine Rückreise“ | § 4 (1) o, page 2 |
| 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 | „im Ausland alleiniger Grund oder einer der Gründe für den Antritt der“ | § 4 (1) a, page 2 |
| Exclusion: treatment known or foreseeable at departure | yes | „Eintritt während der Reise für die versicherte Person aufgrund ärztlicher Diagnosen …“ | § 4 (1) k, page 2 |
| Passive war risk and terrorism covered (sudden outbreak) | yes, up to the sum insured | „wenn die versicherte Person außerhalb Deutschlands vom Eintritt eines solchen …“ | § 4 (1) b, page 2 |
| Illness during an epidemic or pandemic covered | not addressed | ||
| Exclusion or reduction if a government travel warning exists | yes | „durch vorhersehbare Kriegsereignisse (z. B. durch Reisewarnungen des Auswärtigen Amtes)“ | § 4 (1) b, page 2 |
| 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 | yes | „Kur- und Sanatoriumsbehandlungen sowie für Rehabilitationsmaßnahmen“ | § 4 (1) g, page 2 |
| Exclusion for long term care or custodial care | yes | „eine durch Pflegebedürftigkeit oder Verwahrung bedingte Unterbringung“ | § 4 (1) j, page 2 |
| Exclusion of intentionally caused illness and accidents | yes | „auf Vorsatz beruhende Krankheiten und Unfälle einschließlich deren Folgen“ | § 4 (1) c, page 2 |
Deductible and benefit rules
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim or trip | not addressed | ||
| Subsidiary to statutory health insurance or other contracts | yes | „gehen diese Leistungsverpflichtungen vor“ | § 6 (1), page 2 |
| Waiting period after purchase | not addressed | ||
| Obligation to notify before hospital admission, otherwise reduction | not addressed | ||
| Benefits only through the assistance company (no reimbursement of self paid costs) | none | „ist zur Leistung nur verpflichtet, wenn die Rechnungsurschriften vorgelegt“ | § 5 (1), page 2 |
| 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 | not addressed | ||
| 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
- HUK-COBURG-Krankenversicherung AG
- Distribution
- brokers and direct
- Zusatzbedingungen für die Auslandsreisekrankenversicherung (ARK) Edition: AP00763U 01.2019 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 HUK-COBURG Auslandsreiseschutz in Krankenzusatztarifen and available as plain text.
Volltext HUK-COBURG Auslandsreiseschutz in Krankenzusatztarifen · As text (Markdown) HUK-COBURG Auslandsreiseschutz in Krankenzusatztarifen