Young Travel Auslandskrankenversicherung für Studenten
Travel health insurance Young Travel for students

Travel health insurance Young Travel for students - consumer magazine Stiftung Warentest Finanztest 05/2020 "GUT" (2,2 und 2,4)

Students and pupils. An exchange year for pupils or a semester abroad for students will be an important step for the professional career. Unforgettable moments and new friendships will be crowned by playfully learned language skills. Mostly these days are counting as “the best days of your life”. In Europe as well as at the end of the world – by returning you bring a suitcase full of invaluable impressions back home.

For experiencing everyday life and culture in the foreign country free of care, you are well protected with a travel health insurance in combination with a travel-accident and -liability insurance.

Travel health insurance - Young Travel (incoming) for students and pupils book now

International Health Insurance Comparison Calculator

Overview of prices Young Travel for students and pupils (incoming)

Product Daily premium until 12. month Daily premium 13. until 60. month
Travel-Health BASIC 1,19 €
(minimum premium: 15,- €)
1,65 €
(minimum premium: 15,- €)
Travel-Health PROFI 1,75 €
(minimum premium: 25,- €)
2,15 €
(minimum premium: 25,- €)

Travel accident-,
third-party- and emergency insurance
BASIC

0,27 €
(minimum premium: 5,- €)
0,27 €
(minimum premium: 5,- €)
Travel accident-,
third-party-, emergency- and luggage-insurance
PROFI
0,60 €
(minimum premium: 10,- €)
0,60 €
(minimum premium: 10,- €)

Insurance Conditions Young Travel HanseMerkur

Online Booking Young Travel (incoming)

Insured benefits Young Travel for BASIC & PROFI

Insured benefits
The amount is depending on the selected package
Tariff BASIC Tariff PROFI

Costs for out-patient curative treatment according to the fee schedule for physicians:
- in accordance with no. 437 and section M (laboratory services) up to
- in accordance with sections A, E and O (technical services) up to
- in all other cases up to

1,15 times
1,8 times
2,3 times

maximum rates
maximum rates
maximum rates

out-patient treatment by physicians

Pain-relieving dental treatment according to the fee schedule for dentists per insurance year 250,- € 100 %

pain-relieving, conserving dental treatment, including simple dental fillings and repairs of existing dental prostheses, to the extent that these are performed or prescribed by a dentist

Medication and dressings 80 % 100 %

medication and dressings prescribed by a physician (medication does not include nutriments and tonics or cosmetic supplements - even if these are medically prescribed)

Radiation, light and other physical therapies 100 % 100 %

medically prescribed radiation, light and other physical therapies

Massages, packages, inhalations and physiotherapy -- 100 %

medically prescribed massages, medicinal packages, inhalations and physiotherapy

Aids prescribed as the result of an accident 100 % 100 %

medically prescribed aids, which become necessary as a result of an accident or which are used to treat the consequences of an accident

Diagnostic radiology 100 % 100 %

diagnostic radiology

Operations 100 % 100 %

operations that cannot be postponed

Costs of in-patient curative treatment in the general care class (shared room) without
optional services (treatment by private physician)
100 % 100 %

in-patient treatment that cannot be postponed in the general care class (shared room) without optional services (treatment by private physician), to the extent that this is performed in a facility approved and certified as a hospital, is under permanent medical supervision, has sufficient diagnostic and therapeutic options and maintains hospital files

Medically necessary rehabilitation measures 100 % 100 %

medically necessary rehabilitation measures

Preventive check-up (after 6-month qualifying period) per insurance year -- 200,- €

out-patient preventive check-up for early diagnosis of cancer according to the programs introduced by law in Germany after the qualifying period

Out-patient psychoanalytical treatment (up to 5 sessions per insurance year) -- 1.000,- €

out-patient psychoanalytical and psychotherapeutic treatments

Dental prostheses required as a result of an accident 500,- € 2.000,- €

We compensate for the costs of dental prostheses, if these become necessary for the first time as a result of an accident during the insured period

Dental prostheses (50%) (after 6-month qualifying period) -- 2.000,- €

After the qualifying period has passed, we also pay compensation for the costs of a medically required dental prosthesis

Pregnancy check-ups per insurance year
Births incl. check-up and costs of treatment by midwives after a qualifying period of 8 months
250,- €
100 %
100 %
100 %

To the extent that pregnancy did not commence until after the start of the insurance or follow-on contract, we compensate for the costs of pregnancy check-ups and birth after the end of the qualifying period The costs of examination and treatment by midwives are only compensated if a physician does not charge for these costs at the same time

Medically necessary pregnancy treatment and early births 100 % 100 %

We pay compensation for the costs incurred due to medically necessary pregnancy treatment caused by complaints, and childbirth up to the end of the 36th week of the pregnancy (premature birth), treatment due to miscarriages or medically necessary abortions

Transport of a sick person for in-patient treatment 100 % 100 %

We compensate for the costs of transporting a sick person for in-patient treatment in the nearest suitable hospital and back to their accommodation

Transport of a sick person back to the original location, if this makes medical sense 100 % 100 %

We compensate for the additional costs of a transport back to the nearest suitable hospital at the insured person's place of residence, to the extent that a transport makes medical sense and is justifiable

Companion upon transport of a sick person back to the original location 100 % 100 %

We also pay for the costs of a companion or, if necessary, an accompanying physician, to the extent that this attendance is medically necessary, officially stipulated or specified by the company performing the transport

Transfer to the home country or funeral in the Federal Republic of Germany 20.000,- € 100 %

We pay compensation for additionally required costs incurred as a result of the demise of an insured person due to transporting the deceased to their permanent residence, or compensate for the costs of a funeral in Germany up to the amount of the expenses that would have been incurred for a transfer

Hospital visit for a hospital stay of more than 14 days -- 1.000 €

If it has been confirmed that the hospital stay of an insured person will exceed 14 days, we shall on request organise the trip of a person close to the insured person to the hospital location and back to their place of residence and compensate for any costs of transport for the return trip. However, the condition for this is that the hospital stay has
not ended by the time that the associated person arrives

Continued liability after ability to travel has been regained 100 % 100 %

If illness makes necessary curative treatment exceeding the end of the coverage because the journey back is no longer possible as a result of an inability to travel, for which evidence has been provided, benefits must be paid under these conditions (including for a transport back if this becomes necessary) until the ability to travel is restored

Young Travel BASIC

Young Travel travel health insurance up to 5 years (incoming)

Insurable category of persons:
Insurable are au pairs, pupils, language students, students, scholarship holders, doctoral students, participants of work and travel programs. Also other persons who stay temporarily in Germany demonstrably for further education until the age of 35 (35. birthday).


Tariff BASIC

TRAVEL HEALTH INSURANCE

Important Information:

  • Eligibility for insurance up to the 35th birthday.
  • Travel Health Insurance and the non-health travel insurances (Accident Insurance and Liability Insurance) are legally independent contracts.
  • The contracts shall be concluded for the entire period of stay.
  • The insurance only applies during the stay in Germany. Coverage also applies for the insured person worldwide outside of the Federal Republic of Germany and the home country during a temporary trip. The coverage is limited to 14 days per trip in the case of trips to the USA or Canada. Persons cannot be insured for their home country for longer.
  • The application for conclusion of an insurance contract can be submitted at any time. It must be made for the entire remaining duration of the stay in the Federal Republic of Germany. The general qualifying period is 31 days. This is calculated from the contract inception. The qualifying period does not apply if the application is made within 31 days of arrival. The date of arrival must be proven at our request. The qualifying period also does not apply to accidents and for help from physicians in order to avoid acute risk to life for the insured person. A comparable preexisting insurance, which can be shown to have applied without gaps until contract inception, can be offset with the general qualifying period. The excluded benefits according to Section III., 3. (Limitation of the payment obligation) continued to be excluded without limits.
  • Extension of an insurance is possible
    • if the application for extension has been received by the insurer or the agent before the end of the original insurance contract and the maximum insurance period of 5 years has not yet been reached;
    • and insurance cover then exists only for cases of insurance that are new as from the date of application for extension;
    • and each extension must begin directly after the previous insurance.
  • A new insurance following on an uninsured period is only possible if the insured person can be shown to have gone for a holiday in his or her home country.
  • If the insured person leaves Germany prematurely, the insurance can be ended and the repayment of excessive premiums paid is possible. The insurance ends – at the earliest – at the time at which notification as to the return of the insured person is received by HanseMerkur Reiseversicherung AG.
  • No excess.

The exclusion of benefits please refer to the complete conditions of insurance.




In addition to Young Travel health insurance you can take out travel accident insurance, third-party insurance KOMPAKT or travel accident insurance, third-party insurance KOMFORT.

Young Travel
travel accidents and liability insurance up to 5 years
(incoming)

Insurable category of persons:
Insurable are au pairs, pupils, language students, students, scholarship holders, doctoral students, participants of work and travel programs. Also other persons who stay temporarily in Germany demonstrably for further education until the age of 35 (35. birthday).


TRAVEL LIABILITY INSURANCE

Scope
The coverage applies worldwide
Insured benefits
Inspection of the liability query and settlement of justified claims
Surety benefit for annuities due
Costs of a legal dispute
Insured incidents
Damage caused by you
Compact Comfort
Liability risks of daily life 1 Mio. € 2,5 Mio. €
Liability claims for damage to rental objects per insured event 10.000,- € 25.000,- €
Damages in the host family's household 2.500,- € 2.500,- €
Deportation costs 1.000,- € 5.000,- €
Loss of keys - 250,- €
Deductible
In the case of "dental prosthesis treatment" and "transport costs", a deductible of 20%, a minimum of 50,- €, is deducted from the amount of the claim. In the case of "insurance benefits for pregnancy and births", a deductible of 10%, a minimum of 150,- €, is deducted from the amount of the claim.

TRAVEL ACCIDENT INSURANCE

Scope
The coverage applies worldwide
Insured sums Tariff Compact Tariff Comfort
In the event of invalidity 20.000,- € 40.000,- €
Progression at more than 25% invalidity 350 % 350%
In the event of death (for children up to the age of 18) 10.000,- € 20.000,- €
For recovery costs - 5.000,- €
For cosmetic operation costs - 5.000,- €
Insured incidents
Damage to health through an accident
Pulled muscles and torn ligaments
Drowning or suffocation


The exclusion of benefits please refer to the complete conditions of insurance.

Young Travel PROFI

Young Travel travel health insurance up to 5 years (incoming)

Insurable category of persons:
Insurable are au pairs, pupils, language students, students, scholarship holders, doctoral students, participants of work and travel programs. Also other persons who stay temporarily in Germany demonstrably for further education until the age of 35 (35. birthday).


Tariff PROFI

TRAVEL HEALTH INSURANCE

Important Information:

  • Eligibility for insurance up to the 35th birthday.
  • Travel Health Insurance and the non-health travel insurances (Accident Insurance and Liability Insurance) are legally independent contracts.
  • The contracts shall be concluded for the entire period of stay.
  • The insurance only applies during the stay in Germany. Coverage also applies for the insured person worldwide outside of the Federal Republic of Germany and the home country during a temporary trip. The coverage is limited to 14 days per trip in the case of trips to the USA or Canada. Persons cannot be insured for their home country for longer.
  • The application for conclusion of an insurance contract can be submitted at any time. It must be made for the entire remaining duration of the stay in the Federal Republic of Germany. The general qualifying period is 31 days. This is calculated from the contract inception. The qualifying period does not apply if the application is made within 31 days of arrival. The date of arrival must be proven at our request. The qualifying period also does not apply to accidents and for help from physicians in order to avoid acute risk to life for the insured person. A comparable preexisting insurance, which can be shown to have applied without gaps until contract inception, can be offset with the general qualifying period. The excluded benefits according to Section III., 3. (Limitation of the payment obligation) continued to be excluded without limits.
  • Extension of an insurance is possible
    • if the application for extension has been received by the insurer or the agent before the end of the original insurance contract and the maximum insurance period of 5 years has not yet been reached;
    • and insurance cover then exists only for cases of insurance that are new as from the date of application for extension;
    • and each extension must begin directly after the previous insurance.
  • A new insurance following on an uninsured period is only possible if the insured person can be shown to have gone for a holiday in his or her home country.
  • If the insured person leaves Germany prematurely, the insurance can be ended and the repayment of excessive premiums paid is possible. The insurance ends – at the earliest – at the time at which notification as to the return of the insured person is received by HanseMerkur Reiseversicherung AG.
  • No excess.

The exclusion of benefits please refer to the complete conditions of insurance.



In addition to Young Travel health insurance you can take out travel accident insurance, third-party insurance KOMPAKT or travel accident insurance, third-party insurance KOMFORT.

Young Travel
travel accidents and liability insurance up to 5 years
(incoming)

Insurable category of persons:
Insurable are au pairs, pupils, language students, students, scholarship holders, doctoral students, participants of work and travel programs. Also other persons who stay temporarily in Germany demonstrably for further education until the age of 35 (35. birthday).


TRAVEL LIABILITY INSURANCE

Scope
The coverage applies worldwide
Insured benefits
Inspection of the liability query and settlement of justified claims
Surety benefit for annuities due
Costs of a legal dispute
Insured incidents
Damage caused by you
Compact Comfort
Liability risks of daily life 1 Mio. € 2,5 Mio. €
Liability claims for damage to rental objects per insured event 10.000,- € 25.000,- €
Damages in the host family's household 2.500,- € 2.500,- €
Deportation costs 1.000,- € 5.000,- €
Loss of keys - 250,- €
Deductible
In the case of "dental prosthesis treatment" and "transport costs", a deductible of 20%, a minimum of 50,- €, is deducted from the amount of the claim. In the case of "insurance benefits for pregnancy and births", a deductible of 10%, a minimum of 150,- €, is deducted from the amount of the claim.

TRAVEL ACCIDENT INSURANCE

Scope
The coverage applies worldwide
Insured sums Tariff Compact Tariff Comfort
In the event of invalidity 20.000,- € 40.000,- €
Progression at more than 25% invalidity 350 % 350%
In the event of death (for children up to the age of 18) 10.000,- € 20.000,- €
For recovery costs - 5.000,- €
For cosmetic operation costs - 5.000,- €
Insured incidents
Damage to health through an accident
Pulled muscles and torn ligaments
Drowning or suffocation


The exclusion of benefits please refer to the complete conditions of insurance.