This is a summary of the major benefits in a short version. The full terms & conditions, which are binding for your insurance coverage, can be downloaded from the right side (see: online-booking).

costs of medical treatment abroad:

• outpatient medical treatment
• in-patient medical treatment
• unpostponable surgery
• ambulance service for in-patient medical treatment
• medication, bandaging material, medical appliances
• massages, medical dressings, inhalations and physiotherapy
• painkilling dental treatment, including simple fillings and measures of restoring the function of existing dentures
• medically indicated treatment during pregnancy due to acute medical condition
• insurance coverage of € 50.000 for newborn babies in case of premature birth (up to 36. week of pregnancy)
  
• medically prescribed radiation, light and other physical treatments
• X-ray diagnostics

follow-up treatment abroad:

• if travelling back to home country as scheduled is not possible because the insured person is unable to be transported due to medical reasons, insurances benefits will be provided abroad until the insured person can be transported back home

return transport, repatriation and funeral costs:

• medically reasonable return transport to the nearest hospital in the home country of the insured person (if return transport is medically reasonable, will be decided by the contractual physician of the insurer in consultation with the treating physician abroad)
• although medically not necessary, additional costs of return travel will be covered, if the in-patient treatment abroad will last for at least 14 days and/or costs of medical treatment abroad will exceed costs of a return transport
• costs of an insured fellow traveller accompanying the insured person, if it is medically necessary, ordered by authorities or required by the transport company
• additional costs for return travel by any common available means of transportation (lowest class), if in-patient treatment lasts for more than 3 days
• transportation of the deceased to the permanent place of residence
• funeral costs abroad (up to the amount of transport costs to the home country)

limitation of insurance coverage:

• foreseeable expenses (regular purchasing of medicine, regular check-up’s eg.)
• normal health care during an uncomplicated pregnancy (unexpected complications covered)
• treatment by spouses, parents or children