Insurance offers for you.

Coverage sum (up to max. 15 € million per injured person)

General doctors' visits (outpatient medical treatment)

Costs that incurs if you see a medical professional, e.g. because you need medication, had a consultation, etc.

Glass breakage (in rented property, e.g. glass doors & windows)

Treatment by a head physician / free choice of doctor

Enables you to freely choose which doctor is treating you during in-patient treatments.

Property damage (to rented movable objects, e.g. furniture in furnished apartments)

Private hospitals

Whether you have access to fully private hospitals.

Loss of rented/borrowed objects

Treatment by a head physician / free choice of doctor

Enables you to freely choose which doctor is treating you during in-patient treatments.

Property damage (to rented property, exception: mould & gradual damages over time)

Accommodation

Determines how you are accommodated during a hospital stay.

Loss of private & work keys

Dental checkups

The regular, annual check-up to see whether everything is in order.

Damage after loss of keys (e.g.: burglary)

Dental cleanings

"Professionelle Zahnreinigung", i.e. the teeth cleaning provided my a medical professional

As owner (living in your own property)

Visual aids

Corrective eyewear prescribed by a doctor, e.g. glasses and contact lenses.

As landlord (renting your property)

Refractive eye surgery

Corrective surgery, e.g. LASIK

Car sharing (coverage of co-payment for Vollkasko)

Pregnancy coverage

Treatments and measures that surround having a child and of course the actual giving birth.

Mallorca Deckung (extends coverage of car insurance for rented vehicles in Europe)

Fertility treatment

Treatments made when a child cannot be conceived.
Generally only covered if the unfulfilled desire to have children only arises after the insurance has been taken out.

Damage to rented e-scooters

Midwife support

Covering the costs of midwifes through the pregnancy journey.

Damages & loss to rented (e-)bikes

Midwife support

Covering the costs of midwifes through the pregnancy journey.

Paper-free Service, e-mails only

EU-wide coverage

All carriers cover you within the EU but always only according to the German standard.

Personal injury within insured group

Worldwide coverage

Coverage outside of the EU.

Gross negligence

Repatriation costs

Costs for bringing you back to Germany due to a medical condition.

Gefälligkeitshandlung (damages that occur when doing favours for others)

Repatriation costs

Costs for bringing you back to Germany due to a medical condition.

Credit default

Repatriation costs

Costs for bringing you back to Germany due to a medical condition.

Condition updates

Repatriation costs

Costs for bringing you back to Germany due to a medical condition.

Best performance guarantee

Best performance guarantee

If another insurance company on the German market offers better benefits than your own insurance company, you can demand these benefits in the event of a claim (up to the agreed coverage sum).

Stays within Europe

Preventive care

Mostly check-ups and preventative screenings to detect diseases and illnesses at an early stage.

Stays outside Europe

Therapeutic measures (remedies)

Treatments that are performed to the body such as physical therapy, massages, ergo-therapy, etc.

Damages to movable objects (in hotels, holiday apartments etc.)

Psychotherapy

Treatments revolving around your mental health.