The n26 seems to just provide cash (€100/hr after 4 hours, max of 400).

Dont need receipts or reimbursement of cost.
Did you actually file a claim? Someone had to jump through hoops (got 200 first, then the rest of 200 later).

https://www.howitravel.co/n26-insurance/

https://docs.n26.com/legal/n26-black...ncs-de-eng.pdf