I. Reimbursement of expenses incurred abroad at 100% without maximum limit for
- Medical treatment including doctor’s travelling expenses and taxi costs to a doctor if there is no doctor practising at the place of sojourn;
- Medicines and dressings/bandages;
- Remedies prescribed by a doctor;
- Walking aids prescribed by a doctor and wheelchair rental required as part of medical treatment following an accident; (notwithstanding § 5 g) Remedies specified under AVB-R, Part 1
- X-rays, radiotherapy and diagnosis;
- Hospital treatment; medical treatment costs can be claimed to the amount of the General Hospital Services without optional benefits and services (private medical treatment and better accommodation) if optional benefits and services are offered at the destination of travel.
- Transportation costs to the nearest suitable hospital; and from the accident location;
- Pain-relieving dental treatment and simple fillings. Repairs to existing dental prosthesis, but not the production of new dental prosthesis of any kind including inlays, onlays or orthodontic services.
- A daily allowance during hospitalisation will be paid instead of cost remuneration for in-patient treatment abroad, providing no cost claims are submitted, amounting to EUR 25.00 per day.
II. Notwithstanding § 5, para. 1d, the costs of outpatient or inpatient psychoanalytical and psychotherapeutic treatment by doctors shall be assumed once up to EUR 500.00
III. Reimbursement of additional costs of repatriation to the nearest suitable hospital at the place of residence of the insured person at 100% provided that the medical treatment
- is medically necessary and justifiable and
- organised by the Insurer or its Assistance or the Insurer has already given its prior consent.
Return transportation makes medical sense especially in cases where
- hospital treatment abroad according to the forecast of the attending physician at the hospital in question shall exceed 14 days or
- the costs of treatment abroad are anticipated to exceed the costs of repatriation.
The decision whether repatriation makes medical sense and is justifiable shall be decided by a consultant doctor of the Insurer or its Assistance which consults the attending doctor at the temporary location of the patient.
If only the preconditions of Section 1 exist then the additional costs of
- repatriation within Europe shall be reimbursed only up to an amount of EUR 5,000.00.
- repatriation from outside of Europe shall be reimbursed only up to an amount of EUR 10,000.00.
IV. In addition, we shall reimburse the costs of:
- repatriation of deceased persons from Europe up to EUR 5,000.00.
- from other foreign countries up to EUR 10,000.00.
All repatriations of deceased persons must be agreed with the insurer.
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