With our Young Travel insurance you are completely covered during your stay in Germany. This incoming insurance package provides the best possible coverage for people up to age 35. Thanks to our foreign travel health insurance as well as travel accident, travel liability, baggage insurance and emergency insurance, you are in the safest of hands.
For long stays of up to five years.
We reimburse the cost of medically necessary treatments.
Accidents at work are included in the accident insurance.
Temporary stays in your home country are insured.
| Tariff Basic |
Tip
| |
|---|---|---|
| Travel health insurance
Travel health insurance
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| Product information | Download PDF | |
Additional package | ||
| Travel accident insurance
Travel accident insurance
HanseMerkur pays e.g:
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| Travel liability insurance
Travel liability insurance
Travel liability insurance protects you against third-party claims for compensation for personal injury and property damage while travelling abroad. | ||
| Baggage insurance
Baggage insurance
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| Emergency insurance
Emergency insurance
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Terms of contract | ||
| Maximum duration of trip | 5 years | |
| Area of application | Germany | |
| Overview of prices | Download PDF | |
Sample pricing(duration 30 days, travel health insurance) | € 37.50 Calculate & book | € 52,50 Calculate & book |
| Benefits | Tariff Basic | Tariff Profi |
|---|---|---|
| Outpatient treatment | ||
| Outpatient treatment | ||
| Costs of outpatient medical treatment | ||
| Costs of outpatient medical treatment | ||
| Ambulance transports | ||
| Ambulance transports | ||
| Medically necessary rehabilitation measures | ||
| Medically necessary rehabilitation measures | ||
| Cancer screening per insurance year (6 months waiting period) | ||
| Cancer screening per insurance year (6 months waiting period) | - | € 200 |
| Outpatient psychoanalytical and psychotherapeutic treatment (up to 5 sessions per insurance year) | ||
| Outpatient psychoanalytical and psychotherapeutic treatment (up to 5 sessions per insurance year) | - | € 1.000 |
| Inpatient treatment | ||
| Inpatient treatment | ||
| Costs of inpatient treatment including accommodation in a shared room Optionally alternatively hospital allowance up to 14 days, per day | ||
| Costs of inpatient treatment including accommodation in a shared room Optionally alternatively hospital allowance up to 14 days, per day | € 75 | € 75 |
| Ambulance transport for inpatient treatment | ||
| Ambulance transport for inpatient treatment | ||
| Organization and transport costs for a sick visit by a caregiver | ||
| Organization and transport costs for a sick visit by a caregiver | - | € 1.000 |
| Medically necessary rehabilitation measures | ||
| Medically necessary rehabilitation measures | ||
| Dental treatment | ||
| Dental treatment | ||
| Pain-relieving, conservative dental treatments including simple dental fillings and repairs to existing dentures | ||
| Pain-relieving, conservative dental treatments including simple dental fillings and repairs to existing dentures | € 250 | |
| Accidental dentures | ||
| Accidental dentures | € 500 | € 2.000 |
| Dentures with 50% of the refundable invoice amount, per insurance year (after 6 months waiting period) | ||
| Dentures with 50% of the refundable invoice amount, per insurance year (after 6 months waiting period) | - | € 2.000 |
| Medicines, bandages, healing aids or aids | ||
| Medicines, bandages, healing aids or aids | ||
| Medications and surgical dressings | ||
| Medications and surgical dressings | 80 % | 100 % |
| Aids – Radiation and light therapy as well as other physical treatments | ||
| Aids – Radiation and light therapy as well as other physical treatments | ||
| Aids – Massages, compresses, inhalations and physiotherapy | ||
| Aids – Massages, compresses, inhalations and physiotherapy | - | |
| Aids following an accident | ||
| Aids following an accident | ||
| Pregnancy | ||
| Pregnancy | ||
| Medically necessary pregnancy treatments and treatments for premature births | ||
| Medically necessary pregnancy treatments and treatments for premature births | ||
| Pregnancy examinations per insurance year (6 months waiting period) | ||
| Pregnancy examinations per insurance year (6 months waiting period) | € 250 | |
| Childbirth incl. examination and treatment costs by midwives (after 6 months waiting period) | ||
| Childbirth incl. examination and treatment costs by midwives (after 6 months waiting period) | ||
| Medical repatriation, transfer, burial | ||
| Medical repatriation, transfer, burial | ||
| Medically reasonable return transport | ||
| Medically reasonable return transport | ||
| Accompanying person for repatriation | ||
| Accompanying person for repatriation | ||
| Repatriation to the home country or burial in the Federal Republic of Germany | ||
| Repatriation to the home country or burial in the Federal Republic of Germany | € 20.000 | |
| No deductible | ||
| No deductible
Deductible:
The deductible or deductible refers to the amount that a policyholder pays in the event of a claim. | ||
| Additional payment: If an illness requires medical treatment beyond the original end of the insurance cover, the insurance cover is extended until the ability to transport is restored. | ||
| Additional payment: If an illness requires medical treatment beyond the original end of the insurance cover, the insurance cover is extended until the ability to transport is restored. | ||
| Waiting time: The general waiting period is 31 days. It does not apply if the application is filed within 31 days of entry. The waiting period does not apply in the case of accidents and medical assistance to avert an acute danger to life. In addition, there are special waiting periods which are marked directly on the benefits. | ||
| Waiting time: The general waiting period is 31 days. It does not apply if the application is filed within 31 days of entry. The waiting period does not apply in the case of accidents and medical assistance to avert an acute danger to life. In addition, there are special waiting periods which are marked directly on the benefits. | ||
| Pre-existing illnesses: A personal contribution of €5,000 is due for the treatment of illnesses, complaints and accidents known in the last 6 months before the start of the insurance, as well as their foreseeable consequences; The benefits are limited to a maximum of €30,000. | ||
| Pre-existing illnesses: A personal contribution of €5,000 is due for the treatment of illnesses, complaints and accidents known in the last 6 months before the start of the insurance, as well as their foreseeable consequences; The benefits are limited to a maximum of €30,000. | ||
| Benefits | Tariff Basic | Tariff Profi |
|---|---|---|
| Return travel costs to home country in the event of a family member becoming ill | ||
| Return travel costs to home country in the event of a family member becoming ill | - | up to € 1,000 |
| Trip cancellation or delayed return journey (loan for additional costs) | ||
| Trip cancellation or delayed return journey (loan for additional costs) | ||
| Illness, accident or death | ||
| Illness, accident or death | ||
| Abduction | ||
| Abduction | € 10,000 | € 15,000 |
| In the event of criminal prosecution | ||
| In the event of criminal prosecution | ||
| Assistance if detained or when at risk of being detained (loan) | ||
| Assistance if detained or when at risk of being detained (loan) | € 1,000 | € 2,500 |
| Loan for bail | ||
| Loan for bail | € 10,000 | € 15,000 |
| Loss of money and documents | ||
| Loss of money and documents | ||
| Loss of travel money (loan) | ||
| Loss of travel money (loan) | - | € 500 |
| Assistance when credit and debit or Maestro cards are lost | ||
| Assistance when credit and debit or Maestro cards are lost | ||
| Loss of travel documents | ||
| Loss of travel documents | ||
| Additional services | ||
| Additional services | ||
| Travel call | ||
| Travel call | ||
| Assistance in changing bookings/delays | ||
| Assistance in changing bookings/delays | ||
| Deductible | ||
| Deductible
Deductible:
The deductible or deductible refers to the amount that a policyholder pays in the event of a claim. | None | None |
| Benefits | Tariff Basic | Tariff Profi |
|---|---|---|
| Sum insured | ||
| Sum insured | ||
| Maximum sum insured for each insured damage event | ||
| Maximum sum insured for each insured damage event | - | € 2,000 |
| Insured events | ||
| Insured events | ||
| Damage to luggage placed in custody | ||
| Damage to luggage placed in custody | - | |
| Delivery deadlines for luggage exceeded | ||
| Delivery deadlines for luggage exceeded | - | |
| Criminal acts of third parties, traffic accidents or natural events | ||
| Criminal acts of third parties, traffic accidents or natural events | - | |
| Compensation limits For the items listed below, compensation is limited to the following amounts per insured event | ||
| Compensation limits For the items listed below, compensation is limited to the following amounts per insured event | ||
| Valuable (furs, jewellery, items made of precious metals) | ||
| Valuable (furs, jewellery, items made of precious metals) | - | € 1,000 |
| Glasses, contact lenses, hearing aids, Musical instruments, including accessories and mobile phones (car phones are not insured), each with accessories | ||
| Glasses, contact lenses, hearing aids, Musical instruments, including accessories and mobile phones (car phones are not insured), each with accessories | - | € 250 |
| Golf and diving equipment, bicycles, E-Scooter, each with accessories | ||
| Golf and diving equipment, bicycles, E-Scooter, each with accessories | - | € 750 |
| Surfboards, windsurfing equipment, each with accessories | ||
| Surfboards, windsurfing equipment, each with accessories | - | € 500 |
| Mobile phones, smartphones and tablets, each with accessories | ||
| Mobile phones, smartphones and tablets, each with accessories | € 250 | |
| Other computer equipment and electronic entertainment devices, each with accessories | ||
| Other computer equipment and electronic entertainment devices, each with accessories | - | € 250 |
| If the delivery deadline is exceeded, reimbursement of expenses for necessary replacement purchases | ||
| If the delivery deadline is exceeded, reimbursement of expenses for necessary replacement purchases | - | € 500 |
| Deductible per insured event | ||
| Deductible per insured event
Deductible:
The deductible or deductible refers to the amount that a policyholder pays in the event of a claim. | - | € 50 |
| Benefits | Tariff Basic | Tariff Basic |
|---|---|---|
| Everyday liability risks | ||
| Everyday liability risks | € 1 million | € 2,5 million |
| Liability claims for damage to rented property, per insured event | ||
| Liability claims for damage to rented property, per insured event | € 10,000 | € 25,000 |
| Loss of keys | ||
| Loss of keys | - | up to € 250 |
| Damage to the household of the host family | ||
| Damage to the household of the host family | € 10,000 | € 25,000 |
| Deportation costs | ||
| Deportation costs | € 1,000 | € 5,000 |
| Damage to assets | ||
| Damage to assets | - | € 10,000 |
| Professional liability | ||
| Professional liability | - | € 25,000 |
| Bad debt insurance | ||
| Bad debt insurance | - | € 10,000 |
| Deductible | ||
| Deductible
Deductible:
The deductible or deductible refers to the amount that a policyholder pays in the event of a claim. | None, except for: Damage to rented property and deportation costs: 20 %, at least € 50. Damage to the household of the host family: 10 %, at least € 200. Bad debt insurance 10 %, at least € 200 | None, except for: Damage to rented property and deportation costs: 20 %, at least € 50. Damage to the household of the host family: 10 %, at least € 200. Bad debt insurance 10 %, at least € 200 |
| Benefits | Tariff Basic | Tariff Profi |
|---|---|---|
| Insured events | ||
| Insured events | ||
| Damage to health caused by an accident | ||
| Damage to health caused by an accident | ||
| Strain, torn ligaments | ||
| Strain, torn ligaments | ||
| Insured benefits | ||
| Insured benefits | ||
| In the event of disability | ||
| In the event of disability | € 20,000 | € 60,000 |
| Progression with more than 25% disability | ||
| Progression with more than 25% disability | 350 % | 350 % |
| Sum insured in the event of death | ||
| Sum insured in the event of death | € 10,000 | € 20,000 |
| Sum insured in the event of death (for children under the age of 18) | ||
| Sum insured in the event of death (for children under the age of 18) | € 5,000 | € 10,000 |
| Rescue costs | ||
| Rescue costs | € 5,000 | € 10,000 |
| Cosmetic surgery costs | ||
| Cosmetic surgery costs | € 5,000 | € 10,000 |
| Deductible | ||
| Deductible
Deductible:
The deductible or deductible refers to the amount that a policyholder pays in the event of a claim. | None | None |
