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INTER ReiseAV: the policy wording in full
Familientarif für Auslandsreisen bis 56 Tage ohne Selbstbeteiligung, mit gesondert berechenbarer Unterbringung im Krankenhaus, Rücktransport bei medizinischer Sinnhaftigkeit und Bergung bis 10.000 Euro; ausgewertet ist die Leistungskurzbeschreibung.
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 INTER ReiseAV.
Basics and territorial scope
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Benefit limit per claim (unlimited or fixed maximum) | as stated in the policy schedule | „Ärztliche Leistungen 100 %“ | Ambulante Heilbehandlung, page 1 |
| Worldwide cover (excluding country of residence) | yes | „Versicherungsschutz besteht weltweit, bis zu max. 56 Tagen für jede Auslandsreise“ | Geltungsbereich, page 1 |
| USA and Canada included without surcharge or special rule | yes | „Versicherungsschutz besteht weltweit, bis zu max. 56 Tagen für jede Auslandsreise“ | Geltungsbereich, page 1 |
| Cover also within the home country away from the place of residence (common in Spain) | no | „außer im Land des ständigen Wohnsitzes der versicherten Person und nicht in Deutschland“ | Geltungsbereich, page 1 |
| Maximum duration per trip (days or weeks) | yes | „bis zu max. 56 Tagen für jede Auslandsreise“ | Geltungsbereich, page 1 |
| Annual contract for any number of trips in the insurance year | yes | „bis zu max. 56 Tagen für jede Auslandsreise“ | Geltungsbereich, page 1 |
| Long stays over one year insurable (work and travel, study, emigration) | no | „bis zu max. 56 Tagen für jede Auslandsreise“ | Geltungsbereich, page 1 |
| 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) | yes | „Versicherungsfähig als Familie sind die folgenden Personen, die in häuslicher …“ | Versicherbarer Personenkreis, page 1 |
Medical treatment and hospital
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Outpatient medical treatment | yes, up to the sum insured | „Ärztliche Leistungen 100 %“ | Ambulante Heilbehandlung, page 1 |
| Inpatient hospital treatment | yes, up to the sum insured | „Allgemeine Krankenhausbehandlung (Mehrbettzimmer/ Stationsarzt) 100 %“ | Stationäre Heilbehandlung, page 1 |
| Free choice of hospital and doctor at destination | not addressed | ||
| Private doctor or senior physician, single room | yes, up to the sum insured | „Gesondert berechenbare Unterbringung 100 %“ | Stationäre Heilbehandlung, page 1 |
| Prescribed medicines and dressings | yes, up to the sum insured | „Arznei-/Verbandmittel 100 %“ | Ambulante Heilbehandlung, page 1 |
| Medical aids after accident or illness (crutches, bandages, splints) | yes, up to the sum insured | „100 % für eine Grundversorgung bei akutem Bedarf (einfache Ausführung)“ | Hilfsmittel, page 1 |
| Therapeutic remedies such as massage, physiotherapy, radiation | yes, up to the sum insured | „100 % für Strahlen-, Wärme-, Licht- und sonstige physikalisch medizinische Behandlung“ | Heilmittel, page 1 |
| Pain relieving dental treatment | yes, up to the sum insured | „100 % für Schmerzstillung und Zahnfüllungen in einfacher Ausführung“ | Zahnbehandlung, page 2 |
| Simple dental fillings | yes, up to the sum insured | „100 % für Schmerzstillung und Zahnfüllungen in einfacher Ausführung“ | Zahnbehandlung, page 2 |
| Repair of dentures and temporary dental work | yes, up to the sum insured | „100 % für akut notwendig werdende Reparaturen und Provisorien“ | Zahnersatz, page 2 |
| 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) | yes, up to the sum insured | „100 % nach traumatisierenden Ereignissen (Krisenintervention)“ | Psychotherapie, page 1 |
| Transport to the nearest doctor or hospital | not addressed | ||
| Accommodation of a parent when a child is hospitalised | yes, up to the sum insured | „Begleitperson bei Kind im Krankenhaus“ | Stationäre Heilbehandlung, page 2 |
| Daily hospital allowance in lieu of costs | yes, up to EUR 30 | „Ersatz-KHT bei Verzicht auf Wahlleistungen“ | Stationäre Heilbehandlung, page 2 |
Repatriation and assistance
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Repatriation as soon as medically sensible and justifiable | yes, up to the sum insured | „100 % der Kosten für einen medizinisch notwendigen oder medizinisch sinnvollen und …“ | Auslandsrücktransport, page 1 |
| Repatriation only if medically necessary | none | „100 % der Kosten für einen medizinisch notwendigen oder medizinisch sinnvollen und …“ | Auslandsrücktransport, page 1 |
| Cost limit for repatriation | none | „Unbegrenzte Erstattung bei Organisation durch unseren medizinischen Dienst“ | Auslandsrücktransport, page 1 |
| Search, rescue and recovery costs | yes, up to EUR 10,000 | „Suche, Rettung oder Bergung durch Rettungsdienst bis 10.000 EUR“ | Personenbergung, page 2 |
| Repatriation of mortal remains | yes, up to the sum insured | „100 % für Überführung nach Deutschland“ | Überführung oder Bestattung, page 2 |
| Burial at the place of death abroad | yes, up to the sum insured | „Bestattungskosten bis zur Höhe der Kosten, die bei Überführung entstanden wären.“ | Überführung oder Bestattung, page 2 |
| 24 hour emergency hotline | yes | „Ein Ärzte- bzw. medizinisch ausgebildetes Team ist rund um die Uhr erreichbar“ | Serviceleistungen, 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 | not addressed | ||
| Exclusion: treatment known or foreseeable at departure | not addressed | ||
| 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 | yes | „Kurbehandlung keine Leistung“ | Ambulante Heilbehandlung, 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 | none | „Selbstbeteiligung pro Kalenderjahr keine“ | Allgemeine Bestimmungen, 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 | not addressed | ||
| 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 | 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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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- INTER Krankenversicherung AG
- Distribution
- brokers and direct
- Leistungskurzbeschreibung ReiseAV F Edition: ? 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 INTER ReiseAV and available as plain text.