If the illness is minor (for example, you have the flu, headaches or have had a minor accident), we recommend you find a general practitioner in the local area. The doctor providing treatment can refer you to the specialist if needed. If you have toothache, you should go straight to a dentist. If you have severe pain, have had a serious accident or need to see someone outside of normal consultation hours (for example at the weekend), you should visit an on-call doctor's practice that offers an emergency service or go to a hospital. If you need to stay in hospital as an inpatient (e.g. for an operation), you must contact your insurer immediately. In this case, the emergency call centre team will clarify the details of how the costs will be covered directly with the hospital. This has the advantage that hospital bills do not have to be disbursed. The insurer will cover the costs directly. Our emergency call centre team are available 24 hours a day: Tel.: +49 89 6242 4496 Fax: +49 89 6242 4246