Rescue, Transport and Repatriation: Which Costs Are Covered by Health Insurance in Germany?

€30,000+ and medically necessary repatriation is included in every Incoming policy (Care Visa Protect from €0.85/day, Care Economy €30/30 days) — Care Visa Protect.

No — GKV is territorial (§ 16 SGB V); repatriation from abroad or to home country is not covered — only private travel/Incoming policies include it.

Ambulance: €400–€1,500; helicopter: €3,000–€15,000; international air ambulance: €30,000–€100,000 — all covered by Incoming when medically necessary.

Yes: medically necessary repatriation is included worldwide, including origin country stays up to 6 weeks/year — Care Expatriate.

Yes on all HanseMerkur Incoming policies (Care Visa Protect, Care Economy, Care Expatriate) — repatriation of remains up to €20,000.

Statutory insurance (GKV) covers ambulance and emergency transport within Germany (10 EUR co-pay). Repatriation to home country is NOT covered by GKV. Incoming insurance like Care Economy (from 30 EUR/30 days) typically includes repatriation. Schengen policies must include repatriation by law.

An ambulance costs 400–800 EUR, emergency physician 800–1,500 EUR, helicopter rescue 3,500–7,000 EUR. Without insurance, you pay the full amount. Care Visa Protect (from 0.85 EUR/day) covers emergencies and repatriation for short stays.

No. German public health insurance (GKV) does not cover repatriation to your home country. Only emergency transport within Germany is covered. For repatriation coverage, you need a private incoming insurance like Care Expatriate (from 58 EUR/month) or a Schengen-compliant policy.