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Allianz Incoming-Krankenversicherung für Ausländer: the policy wording in full
Incoming-Krankenschutz von Allianz Travel (AWP P&C) für vorübergehende Reisen in die Schengen-Staaten, höchstens 93 Tage, Abschluss bis zum zweiten Tag nach Einreise, Erstattung in Deutschland bis zum 1,8-fachen GOÄ-Satz.
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Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Allianz
Incoming-Krankenversicherung für Ausländer.
Eligible persons and stay
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Visitors, tourists and guests with or without a visa can be insured | yes | „Sie sind während Ihrer vorübergehenden Reise in eines oder mehrere der folgenden Länder …“ | AVB ICKR 20 § 1 Nr. 1, page 4 |
| Language students and participants in preparatory courses can be insured | not addressed | ||
| University students and doctoral candidates can be insured | not addressed | ||
| Au pairs can be insured | not addressed | ||
| Employees, visiting researchers, interns and scholarship holders can be insured | not addressed | ||
| Accompanying family members (spouse, children) can be included | not addressed | ||
| Maximum entry age or age limit for cover | not addressed | ||
| Maximum duration of the contract (days, months or years) | yes | „Der Incoming-Krankenschutz kann bis zu einer Gesamt-Versicherungsdauer von maximal 93 …“ | Definitionen und Hinweise, page 1 |
| Extension possible during the stay | not addressed | ||
| Purchase possible after entry (deadline from entry in the text) | yes | „Der Abschluss ist bis zum zweiten Tag nach Einreise möglich.“ | Abschlusshinweise, page 1 |
| Host, host family or inviting person may be the policyholder | yes | „Sie sind Versicherungs-Nehmer, wenn Sie mit uns den Versicherungs-Vertrag abgeschlossen …“ | AVB AB-EV 20.2 § 1 Nr. 1, page 4 |
| No cover in the home country or the country of permanent residence | yes | „Wenn Sie in einem dieser Länder einen gewöhnlichen Aufenthalt haben, ist Ihre Reise in …“ | AVB ICKR 20 § 1 Nr. 2, page 4 |
Territory and visa
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for medical treatment (per person and stay or year) | as stated in the policy schedule | ||
| Meets the Schengen visa requirements (at least 30,000 euros, repatriation, all Schengen states) | not addressed | ||
| Accepted for a residence permit or national visa (adequate health cover) | not addressed | ||
| Scope expressly equivalent to statutory health insurance or the public health system | not addressed | ||
| Cover in all Schengen states or the EU | yes | „alle Mitgliedstaaten des Schengener Abkommens“ | AVB ICKR 20 § 1 Nr. 1, page 1 |
| Cover on temporary trips to third countries (duration in the text) | not addressed | ||
| Cover during visits to the home country (duration in the text) | not addressed | ||
| Certificate for the embassy, consulate or immigration office | not addressed |
Treatment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Outpatient treatment by a doctor | yes | „ambulante Behandlungen durch einen Arzt.“ | AVB ICKR 20 § 3 Nr. 1 a), page 5 |
| Inpatient hospital treatment | yes | „stationäre Behandlungen im Krankenhaus einschließlich unaufschiebbarer Operationen.“ | AVB ICKR 20 § 3 Nr. 1 b), page 5 |
| Reimbursement limited to fee schedule rates or customary local costs | yes | „für ambulante ärztliche Leistungen höchstens den 1,8-fachen Satz der Gebührenordnung …“ | AVB ICKR 20 § 5, page 5 |
| Prescribed medicines and dressings | yes | „ärztlich verordnete Arznei-, Verband- und Heilmittel.“ | AVB ICKR 20 § 3 Nr. 1 c), page 5 |
| Remedies (physiotherapy, massage) on prescription | yes | „ärztlich verordnete Arznei-, Verband- und Heilmittel.“ | AVB ICKR 20 § 3 Nr. 1 c), page 5 |
| Medical aids (walking aids, glasses after an accident, wheelchair hire) | yes, up to EUR 500 | „Hilfsmittel bis zu € 500,– je versicherter Person und Versicherungsfall.“ | AVB ICKR 20 § 3 Nr. 1 d), page 5 |
| Pain relieving dental treatment and simple fillings | yes, up to EUR 250 | „Schmerzstillende Zahnbehandlungen einschließlich einfach ausgefertigter Zahnfüllungen“ | AVB ICKR 20 § 3 Nr. 1 f), page 5 |
| Dentures (after an accident or after a waiting period), share and limit | yes, up to EUR 250 | „Provisorischer Zahnersatz bei Unfällen“ | AVB ICKR 20 § 3 Nr. 1 f), page 5 |
| Pregnancy treatment and childbirth | yes | „Entbindung von Fehlgeburten und Frühgeburten bis zum Ende der 36. Schwangerschaftswoche.“ | AVB ICKR 20 § 4 Nr. 3, page 5 |
| Preventive check ups and antenatal care | not addressed | ||
| Psychotherapy and psychiatric treatment (outpatient or inpatient, number of sessions) | no | „Psychoanalytische und psychotherapeutische Behandlung sowie Hypnose.“ | AVB ICKR 20 § 10 Nr. 7, page 5 |
| Direct billing with doctor or hospital (cost guarantee, insurance card) | yes, up to EUR 15,000 | „geben wir nach einer vorläufigen Deckungs-Prüfung eine Kostenübernahme-Erklärung bis zu …“ | AVB ICKR 20 § 8, page 5 |
| Free choice of doctors and hospitals (no network) | not addressed |
Transport and assistance
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Ambulance transport to the nearest hospital or doctor | yes | „Wir übernehmen die Kosten des medizinisch notwendigen Kranken-Transports zur Behandlung …“ | AVB ICKR 20 § 3 Nr. 3, page 5 |
| Repatriation to the home country (medically necessary or sensible) | yes | „Wir organisieren den medizinisch sinnvollen und vertretbaren Kranken-Rücktransport“ | AVB ICKR 20 § 6 Nr. 1, page 5 |
| Repatriation of mortal remains or burial in the host country | yes | „Sofern Sie während Ihrer Reise versterben, organisieren wir auf Wunsch Ihrer …“ | AVB ICKR 20 § 7 Nr. 1, page 5 |
| Emergency assistance around the clock, multilingual | yes | „Unser 24-Stunden-Notfall-Service bietet Ihnen rund um die Uhr schnelle und fachkundige …“ | Ihr Kontakt zu uns, page 1 |
Pre existing conditions and waiting periods
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of pre existing conditions and complaints known at the start | yes | „bei denen Ihnen vor Beginn des versicherten Zeitraums bekannt war, dass sie notwendig …“ | AVB ICKR 20 § 10 Nr. 1, page 4 |
| Acute deterioration of a pre existing condition or life saving emergency treatment covered | not addressed | ||
| Exclusion of a pregnancy existing at the start of the contract | not addressed | ||
| Health questions or underwriting at application | not addressed | ||
| General waiting period (for example 31 days when purchased after entry) | not addressed | ||
| Waiting period for childbirth and pregnancy (for example eight months) | not addressed | ||
| Waiting period for dentures or psychotherapy | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion: treatment as the reason for entry | yes | „die ein Anlass für die Reise sind.“ | AVB ICKR 20 § 10 Nr. 1, page 3 |
| Exclusion: treatment known or foreseeable at the start of cover | yes | „mit denen Sie nach den Ihnen bekannten Umständen rechnen mussten oder“ | AVB ICKR 20 § 10 Nr. 1, page 5 |
| Exclusion of mental illness, addiction and withdrawal treatment | yes | „Psychoanalytische und psychotherapeutische Behandlung sowie Hypnose.“ | AVB ICKR 20 § 10 Nr. 7, page 5 |
| Exclusion under the influence of alcohol or drugs | yes | „Behandlungen aufgrund Missbrauchs von Alkohol, Drogen oder Medikamenten.“ | AVB ICKR 20 § 10 Nr. 3, page 5 |
| Exclusion of dangerous sports, professional and competitive sport | yes | „Dies gilt, wenn mit der Teilnahme Einkünfte jeglicher Art erzielt werden sollen (zum …“ | AVB ICKR 20 § 10 Nr. 8, page 5 |
| Exclusion of occupational accidents and diseases or of manual paid work | not addressed | ||
| Cover for pandemics and epidemics (including Covid 19) | yes | „einschließlich der Heilbehandlungen aufgrund einer epidemischen oder einer pandemischen …“ | AVB ICKR 20 § 3 Nr. 1, page 5 |
| Exclusion of HIV, AIDS and sexually transmitted diseases | not addressed | ||
| Exclusion of intentionally caused illness and accidents, attempted suicide | yes | „Folgen aus versuchtem Suizid.“ | AVB ICKR 20 § 10 Nr. 5, page 5 |
Benefit rules and add ons
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim or year | not addressed | ||
| Co payment per consultation or service | not addressed | ||
| Annual or overall cap for individual benefit types | yes | „Wir erstatten insgesamt bis zu € 250,– je versicherter Person und Versicherungsfall.“ | AVB ICKR 20 § 3 Nr. 1 f), page 5 |
| Subsidiary to statutory health insurance or other contracts | yes | „Ihre Ansprüche auf Leistungen aus anderen privaten Versicherungs-Verträgen gehen …“ | AVB AB-EV 20.2 § 11 Nr. 3, page 4 |
| Prior approval or notification required (hospital, psychotherapy, dentures, repatriation) | yes | „vor Zahlung der Kosten einer stationären Behandlung.“ | AVB ICKR 20 § 12 Nr. 1, page 5 |
| Deadline for submitting receipts | not addressed | ||
| Continued benefits beyond the end of the contract if unfit for transport or under treatment | yes | „sich die Beendigung der Reise aus Gründen verzögert, für die Sie nicht verantwortlich …“ | AVB ICKR 20 § 2 Nr. 3, page 4 |
| Liability insurance as an add on or in a package | not addressed | ||
| Accident insurance as an add on or in a package | not addressed | ||
| Deportation or return travel costs on expulsion (for hosts who signed a formal obligation) | not addressed |
Contract and premium
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Minimum term | not addressed | ||
| Cancellation daily or monthly, pro rata billing on early departure | not addressed | ||
| Premium refund if the visa is refused or the trip does not start | not addressed | ||
| Contract ends or may be cancelled when compulsory statutory cover begins | not addressed | ||
| Contract ends on final departure or loss of eligibility (end of studies, age limit) | yes | „Der Versicherungsschutz endet mit dem vereinbarten Zeitpunkt, spätestens jedoch mit der …“ | AVB ICKR 20 § 2 Nr. 2, page 4 |
| Premium changes with age bands or length of stay | not addressed | ||
| Insurer may cancel after a claim or at expiry | not addressed |
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Policy wordings and provider
- Legal entity
- Allianz Private Krankenversicherungs-Aktiengesellschaft
- Distribution
- through tied agents
- Dokument ELVIA0053 im Allianz Dokumentenportal (Zuordnung zum Incoming-Tarif am Text prüfen) Edition: Dokumente zum Versicherungsschein 20.2 (AVB AB-EV 20.2, AVB ICKR 20) 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 Allianz Incoming-Krankenversicherung für Ausländer and
available as plain text.
Volltext Allianz Incoming-Krankenversicherung für Ausländer Gäste-Krankenversicherung · As text (Markdown) Allianz Incoming-Krankenversicherung für Ausländer Visitor health