Insurance

Insurance and Body Repatriation — Who Pays

Most international insurances cover 100% of repatriation costs. We break down ADAC, Allianz, DKV, HanseMerkur — and what to do without insurance.

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What to do first

  1. Find the policyCheck the deceased's travel or international health insurance: ADAC card, policy, DKV contract.
  2. Call the insurerEmergency number from the policy. Report the death, get a case number.
  3. Request repatriation coverageSay directly: "body repatriation to home country". Insurer will clarify limit and process.
  4. Pass contacts to usWe contact the insurer ourselves, handle invoices and documents.
  5. Receive reimbursementInsurer pays us directly (direct settlement) or reimburses family afterwards.

Who covers repatriation

ADAC Auslandsschutzbrief100% coverage with ADAC card. No cost limit.
Allianz ReiseversicherungUp to 100% in "Premium" packages. We check your policy terms.
DKV AuslandskrankenversicherungFull repatriation payment with international health insurance.
HanseMerkur / ERVDepends on package. Often 100%, sometimes €15-25k limit.

What if no insurance

Welfare (§ 74 SGB XII)

If the family has no means — German welfare may cover.

Employer

If death on business trip — employer required to pay.

Pension fund

German GKV sometimes covers up to €1,000-2,500.

Instalments with us

Payment in 3-6 parts. No interest, no credit checks.

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