Learning or working abroad: The travel insurance for pupils, students, doctoral candidates, scholarship holders and trainees. Combine your own personal travel cover. Choose a foreign health insurance - with or without travel liability insurance and travel accident insurance - for your long-term stay abroad.
Enjoy full cover during the entire period abroad and additionally for six weeks in your home country, if your contract is concluded for at least a year.
You will enjoy carefree travel as you will have no retained risk.
Daily premiums instead of monthly premiums.
Reimbursement of medically necessary rehabilitation.
| Tariff Basic |
Tip
| |
|---|---|---|
| Travel health insurance
Travel health insurance
| ||
| Product information | Download PDF | |
Additional package | ||
| Travel accident insurance
Travel accident insurance
HanseMerkur pays e.g:
| ||
| 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
| ||
| Emergency insurance
Emergency insurance
| ||
| Product information | Download PDF | |
Terms of contract | ||
| Maximum duration of trip | 5 years | |
| Area of application | worldwide (with/without USA & Canada) | |
| Overview of prices | Download PDF | |
Sample pricing(duration 30 days, without USA/Canada) | € 34.50 Calculate & book | € 46.50 Calculate & book |
| Benefits | Tariff Basic | Tariff Profi | |
|---|---|---|---|
| Outpatient medical treatment | |||
| Outpatient medical treatment | |||
| Costs of outpatient treatment | |||
| Costs of outpatient treatment | 100 % | 100 % | |
| Ambulance transport | |||
| Ambulance transport | - | 100 % | |
| Rehabilitation measures | |||
| Rehabilitation measures | - | 100 % | |
| Screening for early detection of cancer (after a waiting period of 6 months) | |||
| Screening for early detection of cancer (after a waiting period of 6 months) | - | € 200 | |
| Psychoanalytical or psychotherapeutic treatment (after a waiting period of 6 months) | |||
| Psychoanalytical or psychotherapeutic treatment (after a waiting period of 6 months) | - | € 2,000 | |
| Inpatient treatment | |||
| Inpatient treatment | |||
| Costs of inpatient treatment | |||
| Costs of inpatient treatment | 100 % | 100 % | |
| Patient transport | |||
| Patient transport | 100 % | 100 % | |
| Accompaniment for hospitalised children up to 18 years of age | |||
| Accompaniment for hospitalised children up to 18 years of age | - | 100 % | |
| Patient visits and up to 10 overnight stays in a hotel | |||
| Patient visits and up to 10 overnight stays in a hotel | - | € 2,500 | |
| Hotel accommodation for fellow insured travellers for a maximum of 10 days | |||
| Hotel accommodation for fellow insured travellers for a maximum of 10 days | - | € 1,000 | |
| Rehabilitation measures | |||
| Rehabilitation measures | - | 100 % | |
| Alternatively, daily allowance up to 14 days per day | |||
| Alternatively, daily allowance up to 14 days per day | € 50 | € 75 | |
| Dental treatment | |||
| Dental treatment | |||
| Pain-relieving conservative dental treatment | |||
| Pain-relieving conservative dental treatment | 100 % | 100 % | |
| Simple dental fillings | |||
| Simple dental fillings | 100 % | 100 % | |
| Repairs to existing dentures | |||
| Repairs to existing dentures | 100 % | 100 % | |
| Dentures due to an accident | |||
| Dentures due to an accident | € 500 | € 2,000 | |
| Dental prosthesis with 80% of the reimbursable amount charged (after a waiting period of 6 months) | |||
| Dental prosthesis with 80% of the reimbursable amount charged (after a waiting period of 6 months) | - | 80 % | |
| – in the first two insured years, in total for both years | |||
| – in the first two insured years, in total for both years | - | € 1,000 | |
| – in the following insured years, each year | |||
| – in the following insured years, each year | - | € 1,500 | |
| Medicines, dressings, remedies or aids | |||
| Medicines, dressings, remedies or aids | |||
| Medicines and dressings | |||
| Medicines and dressings | 100 % | 100 % | |
| Remedies | |||
| Remedies | |||
| – Radiation, light and other physical treatments | |||
| – Radiation, light and other physical treatments | 100 % | 100 % | |
| – Massages, medicinal packs, inhalations, physiotherapy | |||
| – Massages, medicinal packs, inhalations, physiotherapy | - | 100 % | |
| Aids | |||
| Aids | |||
| – Accident-related aids | |||
| – Accident-related aids | 100 % | 100 % | |
| – Repairs of existing aids per insured year | |||
| – Repairs of existing aids per insured year | € 250 | € 500 | |
| – Initial purchase of aids | |||
| – Initial purchase of aids | - | 100 % | |
| Visual aids | |||
| Visual aids | - | € 200 | |
| Pregnancy | |||
| Pregnancy | |||
| Examinations; treatment in case of complications, premature birth, miscarriage (after | |||
| Examinations; treatment in case of complications, premature birth, miscarriage (after | 100 % | 100 % | |
| Preventive examinations and delivery (after a waiting period of 6 months) | |||
| Preventive examinations and delivery (after a waiting period of 6 months) | € 250 | 100 % | |
| Medical treatment costs for premature new-borns | |||
| Medical treatment costs for premature new-borns | 100 % | 100 % | |
| Return transport, repatriation, funeral | |||
| Return transport, repatriation, funeral | |||
| Return transport of sick person including transport costs of an accompaniment | |||
| Return transport of sick person including transport costs of an accompaniment | 100 % | 100 % | |
| Repatriation or burial abroad up to the amount of the repatriation costs | |||
| Repatriation or burial abroad up to the amount of the repatriation costs | 100 % | 100 % | |
| Rescue costs | |||
| Rescue costs | |||
| Search, rescue and recovery costs | |||
| Search, rescue and recovery costs | - | € 5,000 | |
| Childcare | |||
| Childcare | |||
| Costs for the care of minors and additional costs for their return journey or costs of their accommodation within the hospital | |||
| Costs for the care of minors and additional costs for their return journey or costs of their accommodation within the hospital | - | 100 % | |
| Additional services | |||
| Additional services | |||
| Telephone costs when contacting the emergency service | |||
| Telephone costs when contacting the emergency service | - | 100 % | |
| Dispatch of medicines (postage) | |||
| Dispatch of medicines (postage) | - | 100 % | |
| Information about doctors and hospitals at the destination | |||
| Information about doctors and hospitals at the destination | 100 % | 100 % | |
| Transmittal of information between doctors | |||
| Transmittal of information between doctors | 100 % | 100 % | |
| Luggage retrieval | |||
| Luggage retrieval | - | 100 % | |
| Psychological assistance | |||
| Psychological assistance | - | 100 % | |
| Medical interpreter service | |||
| Medical interpreter service | - | 100 % | |
| Reimbursement of expenses | |||
| Reimbursement of expenses | |||
| Once in the event of outpatient treatment, irrespective of the number of treatments | |||
| Once in the event of outpatient treatment, irrespective of the number of treatments | € 25 | € 25 | |
| In the event of in-patient treatment, up to 14 days and per day | |||
| In the event of in-patient treatment, up to 14 days and per day | € 50 | € 50 | |
| Deductible | |||
| Deductible | - | - | |
| Waiting time: The general waiting time is 31 days. It time does not apply if the application is made within 31 days of arrival. The date of arrival must be proved on request from HanseMerkur. The waiting time also does not apply to accidents or to medical interventions to avert an acute danger to your life. | |||
| Waiting time: The general waiting time is 31 days. It time does not apply if the application is made within 31 days of arrival. The date of arrival must be proved on request from HanseMerkur. The waiting time also does not apply to accidents or to medical interventions to avert an acute danger to your life. | |||
| Benefits | Tariff Basic | Tariff Profi |
|---|---|---|
| Sum insured per insured event | ||
| Sum insured per insured event | - | € 2,000 |
| Limits of compensation (For the items listed below, compensation is limited to the following amounts per insured event): | ||
| Limits of compensation (For the items listed below, compensation is limited to the following amounts per insured event): | ||
| Valuables | ||
| Valuables | - | € 1,000 |
| Spectacles, contact lenses, hearing aids, musical instruments, each with accessories - per item | ||
| Spectacles, contact lenses, hearing aids, musical instruments, each with accessories - per item | - | € 250 |
| Golf and diving equipment, bicycles, electric bicycles and e-scooters, each with accessories | ||
| Golf and diving equipment, bicycles, electric bicycles and e-scooters, each with accessories | - | € 1,000 |
| Surfboards and sail surfing equipment, each with accessories | ||
| Surfboards and sail surfing equipment, each with accessories | - | € 1,000 |
| Mobile phones, smartphones and tablet PCs, each with accessories | ||
| Mobile phones, smartphones and tablet PCs, each with accessories | - | € 500 |
| Other EDP devices and electronic entertainment devices, each with accessories | ||
| Other EDP devices and electronic entertainment devices, each with accessories | - | € 1,000 |
| If the delivery period is exceeded, reimbursement of the proven expenses for necessary replacement purchases up to | ||
| If the delivery period is exceeded, reimbursement of the proven expenses for necessary replacement purchases up to | - | € 500 |
| Deductible per insured event | ||
| Deductible per insured event | - | € 50 |
| Insured events | ||
| Insured events | ||
| Damage to luggage given into custody | ||
| Damage to luggage given into custody | - | |
| Delay in delivery of luggage | ||
| Delay in delivery of luggage | - | |
| Criminal acts of third parties, traffic accidents or natural hazards | ||
| Criminal acts of third parties, traffic accidents or natural hazards | - | |
| Benefits | Tariff Basic | Tariff Profi |
|---|---|---|
| Insured events | ||
| Insured events | ||
| Liability risks of everyday life | ||
| Liability risks of everyday life | € 1 Mio. | € 2.5 Mio. |
| Liability claims due to damage to rented property (deductible: 20 % to be deducted from the determined amount of the claim, at least € 50) | ||
| Liability claims due to damage to rented property (deductible: 20 % to be deducted from the determined amount of the claim, at least € 50) | € 10,000 | € 25,000 |
| Damage in the household of the host family (deductible: 10 % to be deducted from the determined amount of the claim, at least € 200) | ||
| Damage in the household of the host family (deductible: 10 % to be deducted from the determined amount of the claim, at least € 200) | € 10,000 | € 25,000 |
| Damage arising from the activity as an au pair (deductible: 20 % to be deducted from the determined amount of the claim, at least € 50) | ||
| Damage arising from the activity as an au pair (deductible: 20 % to be deducted from the determined amount of the claim, at least € 50) | € 1 Mio. | € 2.5 Mio. |
| Loss of keys | ||
| Loss of keys | - | € 250 |
| Financial damage | ||
| Financial damage | - | € 10,000 |
| Professional liability (deductible: 10 % to be deducted from the determined amount of the claim, at least € 200) | ||
| Professional liability (deductible: 10 % to be deducted from the determined amount of the claim, at least € 200) | - | € 25,000 |
| Bad debt insurance (deductible: 10 %to be deducted from the determined amount of the claim, at least € 200) | ||
| Bad debt insurance (deductible: 10 %to be deducted from the determined amount of the claim, at least € 200) | - | € 10,000 |
| Benefits | Tariff Basic | Tariff Profi |
|---|---|---|
| Insured benefits | ||
| Insured benefits | ||
| In the event of disability (progression in the event of more than 25 % disability: 350 %) | ||
| In the event of disability (progression in the event of more than 25 % disability: 350 %) | € 20,000 | € 60,000 |
| In the event of death | ||
| In the event of death | € 10,000 | € 20,000 |
| In the event of death for children up to 18 years of age | ||
| In the event of death for children up to 18 years of age | € 5,000 | € 10,000 |
| Costs of rescue | ||
| Costs of rescue | € 5,000 | € 10,000 |
| Costs of cosmetic operations | ||
| Costs of cosmetic operations | € 5,000 | € 10,000 |
| Insured events | ||
| Insured events | ||
| Damage to health due to an accident | ||
| Damage to health due to an accident | ||
| Strains, torn ligaments | ||
| Strains, torn ligaments | ||
| Deductible | ||
| Deductible | - | - |
| Benefits | Tariff Basic | Tariff Profi |
|---|---|---|
| Insured benefits | ||
| Insured benefits | ||
| Costs of returning to the home country due to illness of family members | ||
| Costs of returning to the home country due to illness of family members | - | € 1,000 |
| In the event of trip interruption or delayed return (loan for additional costs) | ||
| In the event of trip interruption or delayed return (loan for additional costs) | ||
| Illness, accident, death | ||
| Illness, accident, death | 100 % | 100 % |
| Kidnapping | ||
| Kidnapping | € 10,000 | € 15,000 |
| Travel call | ||
| Travel call | 100 % | 100 % |
| In the event of criminal prosecution | ||
| In the event of criminal prosecution | ||
| Assistance in the event of imprisonment or the threat of imprisonment (loan) | ||
| Assistance in the event of imprisonment or the threat of imprisonment (loan) | € 1,000 | € 2,500 |
| Loan for criminal bail | ||
| Loan for criminal bail | € 10,000 | € 15,000 |
| Loss of means of payment and documents | ||
| Loss of means of payment and documents | ||
| Loss of travel funds (loan) | ||
| Loss of travel funds (loan) | - | € 500 |
| Assistance in the event of loss of credit cards and EC or Maestro cards | ||
| Assistance in the event of loss of credit cards and EC or Maestro cards | 100 % | 100 % |
| Loss of travel documents | ||
| Loss of travel documents | 100 % | 100 % |
| Assistance with rebooking or delays | ||
| Assistance with rebooking or delays | 100 % | 100 % |
| Deductible | ||
| Deductible | - | - |
