What to do in the event of illness?

Foreign visitors are covered by private travel health insurance. Such health insurance covers only acute medical treatment of newly occurred illnesses. Procedure in the event of a claim

Please consider the following three rules of conduct for outpatient treatments:

1. Please consult a general practitioner before seeing a specialist or going to hospital.
2. Please provide the physician with our Ärzte-Info-Ticket (medical info card) prior to the treatment.
3. Please tell your doctor that some treatments require approval and that you need a medical costs projection for these treatments.

1. Primary care physician

Primary care physicians are responsible for diagnosis and therapy and coordinate the need for further treatment. This includes assessing if they are able to carry out the treatment themselves or if it is necessary to consult a specialist.
This makes it easier to coordinate therapies and to avoid that examinations are carried out twice. It furthermore helps to avoid incompatible therapies, interlink medical benefits and reduce costs. This recommendation does, of course, not apply to necessary visits of gynecologists, eye specialists, emergency physicians or doctors on call.

2. Medical info card "Ärzte-Info-Ticket"

You will receive a medical info card (Ärzte-Info-Ticket) together with your insurance certificate. This card shall help you in case of illness and necessary treatment. Please provide the physician with this vital information prior to any treatment. The card contains information about the type of billing as well as important details regarding your insurance coverage.
Here you can print out your "Ärzte-Info-Ticket":

Ärzte-Info-Ticket (medical info card)(German).

3. Medical costs projection

In some cases, it is necessary for you to have our written guarantee of performance as a precondition for full reimbursement. This requires that we are provided with the medical costs projection of the respective physician or dentist.

Click here to find out for which treatments you need a medical costs projection.

Your medical costs projection will be processed in one working day. In case of an emergency, please label your medical costs projection as “urgent”. We will then check these documents within two hours.
We recommend a medical costs projection prior to any extensive treatment. This will help you and your doctor to plan reliably and to avoid financial disadvantages.

You are not sure whether the treatment of an illness is covered?

If you are not sure whether the treatment of your illness is covered, you can call us prior to the treatment. We will inform you about the scope of your insurance and we will tell you what you should consider during treatment.

Contact us.