Travel health insurance for TK members – better safe than sorry!

You can buy travel health insurance any time before you start your trip - but not during your trip.  

Please ensure that you are protected for the whole trip.

Start of travel: The first day of travel abroad is the day of departing from Germany. This is also the inception date. Should your departure be moved to an earlier date, please ensure that you amend your insurance cover accordingly.

End of travel: The last day of your trip is the day you (plan to) arrive back in Germany.

Our health insurance for travel abroad covers you for both private and any business trips abroad within the agreed periods.

You will receive an invoice from your doctor for any private treatment abroad. You will need to pay this invoice and then claim for reimbursement of the insured portion of costs from Envivas.

The costs are reimbursed by Envivas.

Please send original documents, stating your insurance policy number to:

Envivas Krankenversicherung AG,
Gereonswall 68,
50670 Cologne, Germany.

Invoices must contain the following information:

Surname, first name, the person treated, description of the illness, treatment duration, date of treatment, fees for individual treatments.

Our plans do not have a euro limit on medically necessary services and procedures. Whether you need medical help from a doctor, hospital, physiotherapist or dentist, the plan pays 100 per cent of all medical costs. This includes prescription medication, dressings and physical therapies.

Medical repatriation can be live-saving, but it can also be very expensive! We cover 100 per cent of the additional cost of taking you to a hospital in Germany if it is medically advisable and reasonable. The plan also covers 100 per cent of the cost of ambulance services to the nearest hospital or emergency doctor if it is medically necessary.

If you have an accident during a hiking trip, you may not be able to reach a hospital or doctor without help. We pay up to 2,500 euros per insured event in case of evacuation, rescue and search.

When the worst happens, family members shouldn't have to worry about whether the deceased can be repatriated to Germany or buried locally. This is for them to decide.
In any case we cover 100 per cent of the cost of a local burial and the return of remains to Germany (maximum 30,000 euros for TravelXL and maximum of 15,000 euros for TravelPlus).

TravelXN and TravelXF: we pay 100 per cent of the cost of a travel escort for your child if either the parent is covered under one of our travel policies or the child is. The plan pays provided all people travelling with the child are in hospital, need to be repatriated or have died.
TravelXL: we pay up to 5,000 euros towards the cost of an escort for your child and 100 per cent of the cost of the return trip.

You are travelling alone and have to stay in hospital for a while. Perhaps a loved one wants to visit you abroad. Under certain conditions, we pay 100 per cent of the cost of a return trip for a person visiting you (TravelXN and TravelXF).

When there is a medical emergency abroad, financial protection is often not enough. What you need is someone to answer urgent questions, arrange services or help with language barriers.
Our medical emergency helpdesk is available for you 24/7 – every day of the year.

Here are some examples of what we can do for you. We can help:

• inform your GP (general practitioner) in Germany and arrange talks between local doctors and doctors at home
• inform you about pharmaceutical products available abroad
• name interpreters and find doctors or dentists who speak foreign languages
• forward information to family members
• arrange ambulance services and medical repatriation
• arrange a local burial service or the return of remains to Germany