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Würzburger ReisePolice VISUM: the policy wording in full
Reisekrankenversicherung der Würzburger für Reisen nach Deutschland und in die EU, bis 365 Tage, Abschluss bis zehn Tage nach Einreise, Erstattung zu 100 Prozent ohne genannte Selbstbeteiligung.
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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 Würzburger ReisePolice VISUM.
Eligible persons and stay
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Visitors, tourists and guests with or without a visa can be insured | yes | „Bei Reisen nach Deutschland sind Personen versicherbar, die keinen ständigen Wohnsitz …“ | Teil A 1.1.2, page 1 |
| 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 | yes | „Versicherbar sind Mitarbeiter von Firmen, Behörden und Verbänden. Trotz Beitragszahlung …“ | Teil A 1.1.4, page 1 |
| 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 Versicherungsschutz besteht für den im Versicherungsschein genannten Zeitraum …“ | Teil A 1.1.4, page 1 |
| Extension possible during the stay | not addressed | ||
| Purchase possible after entry (deadline from entry in the text) | yes | „Für Reisen nach Deutschland kann der Vertrag auch innerhalb von 10 Tagen nach Einreise …“ | Teil C 4, page 5 |
| Host, host family or inviting person may be the policyholder | yes | „Sie können auch eine andere Person versichert haben.“ | Teil A 1.1 Hinweis, page 1 |
| No cover in the home country or the country of permanent residence | not addressed |
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 | „Der Versicherungsschutz gilt in den Ländern der EU einschließlich Liechtenstein …“ | Teil A 1.1.3 (2), 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 | „Wir ersetzen 100 % der Kosten der medizinisch notwendigen ambulanten ärztlichen …“ | Teil A 1.2.3 (1), page 2 |
| Inpatient hospital treatment | yes | „Wir erstatten 100 % der Kosten für ärztliche Heilbehandlungen; notwendige Operationen …“ | Teil A 1.2.4 (1), page 2 |
| Reimbursement limited to fee schedule rates or customary local costs | yes | „Ebenfalls reduzieren können wir, wenn die erforderliche Vergütung für die Verhältnisse …“ | Teil A 2.2, page 3 |
| Prescribed medicines and dressings | yes | „Wir erstatten 100 % der von zugelassenen Ärzten und Zahnärzten verordneten Arznei …“ | Teil A 1.2.3 (2), page 2 |
| Remedies (physiotherapy, massage) on prescription | yes | „Wir ersetzen 100 % der Kosten für ärztlich verordnete: Strahlenbehandlung …“ | Teil A 1.2.3 (3), page 2 |
| Medical aids (walking aids, glasses after an accident, wheelchair hire) | yes | „Wir ersetzen 100 % der Mietkosten für ärztlich verordnete Hilfsmittel zur …“ | Teil A 1.2.3 (4), page 2 |
| Pain relieving dental treatment and simple fillings | yes | „schmerzstillende Zahnbehandlungen; notwendige Zahnfüllungen in einfacher Ausführung;“ | Teil A 1.2.3 (5), page 2 |
| Dentures (after an accident or after a waiting period), share and limit | yes | „provisorischen Zahnersatz nach einem Unfall.“ | Teil A 1.2.3 (5), page 2 |
| Pregnancy treatment and childbirth | yes | „Außerdem ersetzen wir 100 % der Kosten für Entbindungen bis zum Ende der 36 …“ | Teil A 1.2.3 (1), page 2 |
| Preventive check ups and antenatal care | not addressed | ||
| Psychotherapy and psychiatric treatment (outpatient or inpatient, number of sessions) | no | „psychoanalytische und psychotherapeutische Behandlungen;“ | Teil A 2.1, page 3 |
| Direct billing with doctor or hospital (cost guarantee, insurance card) | yes | „Abgabe von Kostenübernahmeerklärungen vor Ort (Krankenrücktransport, Reise- und …“ | AVB-AL Teil A 1.3 (2), page 6 |
| Free choice of doctors and hospitals (no network) | yes | „Unter folgenden im Aufenthaltsland zur Heilbehandlung zugelassenen Behandlern kann die …“ | Teil A 1.2.1 (1), page 2 |
Transport and assistance
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Ambulance transport to the nearest hospital or doctor | yes | „Wir ersetzen die Kosten für den Transport zur stationären Behandlung in das nächst …“ | Teil A 1.2.4 (2), page 3 |
| Repatriation to the home country (medically necessary or sensible) | yes | „der Rücktransport ist medizinisch sinnvoll und vertretbar;“ | Teil A 1.2.3 (6), page 2 |
| Repatriation of mortal remains or burial in the host country | yes | „Wenn der Verstorbene im Ausland bestattet wird, erstatten wir die entstehenden Kosten …“ | Teil A 1.3, page 3 |
| Emergency assistance around the clock, multilingual | yes | „Für die unter Teil A Ziffer 1.3 genannten Leistungen stehen wir Ihnen rund um die Uhr …“ | AVB-AL Teil A 1.1, page 5 |
Pre existing conditions and waiting periods
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of pre existing conditions and complaints known at the start | yes | „Behandlungen, von denen bei Reiseantritt aufgrund einer ärztlich diagnostizierten …“ | Teil A 2.1, page 3 |
| 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 | „Behandlungen im Ausland, die der alleinige Grund oder einer der Gründe für den Antritt …“ | Teil A 2.1, page 3 |
| Exclusion: treatment known or foreseeable at the start of cover | yes | „Behandlungen, von denen bei Reiseantritt aufgrund einer ärztlich diagnostizierten …“ | Teil A 2.1, page 3 |
| Exclusion of mental illness, addiction and withdrawal treatment | yes | „psychoanalytische und psychotherapeutische Behandlungen;“ | Teil A 2.1, page 3 |
| Exclusion under the influence of alcohol or drugs | yes | „auf Vorsatz einschließlich Selbstmord und Selbstmordversuch und Sucht, wie Alkohol …“ | Teil A 2.1, page 3 |
| Exclusion of dangerous sports, professional and competitive sport | not addressed | ||
| Exclusion of occupational accidents and diseases or of manual paid work | yes | „Behandlungen anlässlich einer Beschäftigung im Ausland;“ | Teil A 2.1, page 3 |
| Cover for pandemics and epidemics (including Covid 19) | not addressed | ||
| Exclusion of HIV, AIDS and sexually transmitted diseases | not addressed | ||
| Exclusion of intentionally caused illness and accidents, attempted suicide | yes | „auf Vorsatz einschließlich Selbstmord und Selbstmordversuch und Sucht, wie Alkohol …“ | Teil A 2.1, page 3 |
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, up to EUR 50,000 | „Die Kostenerstattung ist auf einen Betrag von 50.000,– EUR begrenzt.“ | Teil A 1.2.3 (1), page 2 |
| Subsidiary to statutory health insurance or other contracts | yes | „Haben Sie einen Ersatzanspruch aus einem anderen, eigenen oder fremden, vor oder nach …“ | Teil A 3, page 4 |
| Prior approval or notification required (hospital, psychotherapy, dentures, repatriation) | yes | „Wir müssen die Leistungen vor Behandlungsbeginn schriftlich zugesagt haben;“ | Teil A 2.1, page 3 |
| Deadline for submitting receipts | not addressed | ||
| Continued benefits beyond the end of the contract if unfit for transport or under treatment | yes | „Insgesamt jedoch längstens bis zu 90 Tagen über das Ende der versicherten Reise hinaus.“ | Teil A 2.3 (2), page 3 |
| 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 jeweils mit Beendigung des Auslandsaufenthaltes bzw. des …“ | Teil C 3, page 5 |
| Premium changes with age bands or length of stay | not addressed | ||
| Insurer may cancel after a claim or at expiry | yes | „Nach Eintritt eines versicherten Schadenfalles können Sie und wir den Vertrag kündigen.“ | Teil C 5, page 5 |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- Würzburger Versicherungs-AG
- Distribution
- not known
- Versicherungsbedingungen ReisePolice VISUM (Kopie beim Vermittler) Edition: AVB ReisePolice VISUM 02/09.19, AVB-AL-365/06-2016 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 Würzburger ReisePolice VISUM and available as plain text.
Volltext Würzburger ReisePolice VISUM Gäste-Krankenversicherung · As text (Markdown) Würzburger ReisePolice VISUM Visitor health