Insurance broker / Travel medical insurance / Policy wording archive
Union Krankenversicherung Auslandsreise-Krankenversicherung: the policy wording in full
Allgemeiner Bedingungsteil der Auslandsreise-Krankenversicherung AK-16 nach deutschem Recht; Abschluss nur vor Reiseantritt, Verlängerung bei Transportunfähigkeit, Leistungsumfang und Höchstdauer laut Tarif.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.98 out of 5 stars from 5,042 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with Union Krankenversicherung.
- AI has advised
- 2Your details
- Application to Union Krankenversicherung
Thank you, we have your application.
We prepare it with Union Krankenversicherung and get back to you with the documents.
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 Union Krankenversicherung Auslandsreise-Krankenversicherung.
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) | not addressed | ||
| 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 | „jedoch nicht vor Abschluss des Versicherungsvertrages und nicht vor Grenzüberschreitung …“ | Ziffer 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 | no | „Der Versicherungsvertrag muss vor Antritt der Reise abgeschlossen werden.“ | Ziffer 2.1, page 1 |
| Cover continues beyond the maximum duration if unfit to travel | yes | „ist eine Rückreise wegen nachgewiesener Transportunfähigkeit nicht möglich, verlängert …“ | Ziffer 4.2, page 1 |
| Family tariff (partner and children in one contract) | not addressed |
Medical treatment and hospital
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Outpatient medical treatment | not addressed | ||
| Inpatient hospital treatment | not addressed | ||
| 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 | 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 | „aus der hervorgeht, dass der Rücktransport medizinisch sinnvoll und vertretbar ist“ | Ziffer 5.4, page 1 |
| Repatriation only if medically necessary | none | „aus der hervorgeht, dass der Rücktransport medizinisch sinnvoll und vertretbar ist“ | Ziffer 5.4, page 1 |
| Cost limit for repatriation | not addressed | ||
| Search, rescue and recovery costs | not addressed | ||
| Repatriation of mortal remains | not addressed | ||
| Burial at the place of death abroad | not addressed | ||
| 24 hour emergency hotline | not addressed | ||
| 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 | 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 | 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 | 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 | yes | „Kosten für die Überweisung der Versicherungsleistungen in das Ausland und für …“ | Ziffer 5.9, page 1 |
| Continued cover beyond contract end during a hospital stay | yes | „ist eine Rückreise wegen nachgewiesener Transportunfähigkeit nicht möglich, verlängert …“ | Ziffer 4.2, page 1 |
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.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- UNION KRANKENVERSICHERUNG AKTIENGESELLSCHAFT
- Distribution
- through tied agents
- Allgemeine Bedingungen für die Auslandsreise-Krankenversicherung (AVB/AK-16, SAP-Nr. 335597, 06.2022) Edition: Stand 01.07.2026, AVB/AK-16, SAP-Nr. 335597 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 Union Krankenversicherung Auslandsreise-Krankenversicherung and available as plain text.
Volltext Union Krankenversicherung Auslandsreise-Krankenversicherung · As text (Markdown) Union Krankenversicherung Auslandsreise-Krankenversicherung