Young Travel Schengen insurance for stays in Germany (up to 5 years)

travel insurance for your education in Germany

Young Travel incoming insurance of HanseMerkur Reiseversicherung offers best protection for young people up to 35 years of age and with permanent place of residence abroad, who will stay in Germany for further-educational reasons:

  • au pairs
  • pupils or language students
  • students, scholarship holders or doctoral candidates visiting a university in Germany
  • participants in Work & Travel programs
  • other persons who can prove that they temporarily take part in further-educational measures

You can chose between two service levels in travel health insurance, accident insurance and private liability insurance. For details please see "benefits" below.

Young Travel Incoming - travel insurance (up to 5 years)
travel health insurance
period of stay: for stays in Germany
per day 1. - 12. month 1.19 € 1.75 €
per day 13. - 60. month 1.65 € 2.15 €
add on COMPACT: travel accident & liability insurance
per day 1. - 60. month 0.25 € 0.25 €
add on COMFORT: travel accident & liability insurance
per day 1. - 60. month 0.33 € 0.33 €

application of product / prolongation & premature termination

You will easily find the right premium for your trip by taking these hints:

  • This travel health insurance can be booked by all persons who temporarily (max. 5 years) will stay in Germany as au pair, pupil, language student, student, scholarship holder, doctoral candidate, participant in Work & Travel programs or for other further-educational measures.
  • maximum age: 35 years
  • Permanent place of residence must be abroad (not in Germany). 
  • Persons non-eligible for insurance and not insured despite having paid premium a premium are persons who are in permanent need of care, as well as persons who are lastingly excluded from participating in everyday life. For categorization, the person´s mental state and objective circumstances of life in particular must be taken account of.
  • Insurer: HanseMerkur Reiseversicherung.
  • Insurance cover is given in Germany. Insurance cover is given in case of temporary trips to other countries than Germany during the insured period. In case of trips to the USA or Canada this insurance cover is limited to max. 1e days per trip. Trips to your home country are always excluded from insurance cover.
  • This travel insurance must be booked for the entire period of stay in Germany (leaving your home country until return to your home country).
  • maximum insurance period: 5 years.
  • If your travel plan is changing while you already abroad, you can prolong your policy up to 5 years. The additional premium is exactly counted for the extended time. Please contact us by Email before your present policy expires.
  • Prolongation is only possible upon approval by HanseMerkur Reiseversicherung AG. Insurance coverage is only provided for claims, illnesses, complaints and the consequences of such, that have newly occurred after the application for prolongation (date of time of postmark / online application).
  • If you return to your home country earlier than expected, premiums paid for the remaining insured months will be refunded. Please keep your boarding card or any other document ready that states the date of your return und get in touch with us when you are back home.
benefits Young Travel Incoming Insurance (Germany)
benefits of travel health insurance: product:
out-patient costs of medical treatment acc. to the German Scale of Fees for doctors (GOÄ) in keeping with no. 437 and section M (laboratory services) up to 1.15 fold max. rate
out-patient costs of medical treatment acc. to the German Scale of Fees for doctors (GOÄ) in keeping with sections A, E and O (technical applications) up to 1.8 fold max. rate
out-patient costs of medical treatment acc. to the German Scale of Fees for doctors (GOÄ) in all remaining cases up to 2.3 fold max. rate
painkilling dental treatment acc. to the German Scale of Fees for dentists (per insurance year) 250 € 100 %
drugs and dressing material 80 % 100 %
radiation treatment, light therapy and other forms of physicial treatment 100 % 100 %
massages, packs, inhalation treatment, physiotherapy no 100 %
therapeutic aids prescribed due to an accident 100 % 100 %
x-ray diagnosis 100 % 100 %
surgery 100 % 100 %
in-patient treatment under general nursing care (multiple-bed room) without selective treatment (private medical care) 100 % 100 %
preventive medical checkups (waiting period of 6 months), per insurance year no 200 €
medically necessary rehabilitation measures 100 % 100 %
out-patient psychoanalytical treatment (up to 5 sessions per insurance year) no 1,000 €
restauration of the function of dental protheses at 50 % 500 € 2,000 €
dental protheses at 50 % (waiting period of 6 months) no 2,000 €
accident-related dental protheses 500 € 2,000 €
medically necessary treatment due to pregnancy and benefits in case of premature birth 100 % 100 %
pregnancy examinations per insurance year 250 € 100 %
child delivery incl. costs of examinations and treatment by midwives (waiting period of 8 months) 100 % 100 %
transport by ambulance for in-patient treatment 100 % 100 %
medically indicated return transport to home country 100 % 100 %
escorts on return transport (1 person) 100 % 100 %
repatriation of remains to home country or burial in Germany 20,000 € 100 %
hospital visit in the event of stay in hospital or more than 14 days no 1.000 €
subsequent liability until recovery of transportability 100 % 100 %
retained risk (deductible):
no retained risk (deductible)
benefits Young Travel Incoming Insurance (Germany)
benefits of travel liability insurance:
checking questions of liability and settlement of justified claims
provision of security in cases of due pension entitlements
costs of a legal dispute
insured events: product:
everyday liability risk 1 Mio. € 2.5 Mio. €
liability claims relating to hired or rented property per case of insurance 10,000 € 25,000 €
damages in the host family´s household 2,500 € 2,500 €
deportation costs 1,000 € 5,000 €
loss of keys no 250 €
retained risk (deductible):
Claims relating to hired or rented property: 20 % of the determined damage amount or a minimum of 50 €. Claims relating to damages in the host family´s household: 10 % of the determined damage amount or a minimum of 150 €.
benefits Young Travel Incoming Insurance (Germany)
insured events travel accident insurance:
damage to health as the result of an accident
strains and torn ligaments
drowning or suffocating
insurance sums: product:
in case of invalidity 20,000 € 40,000 €
progressive grade in case of more than 25 % invalidity 350 % 350 %
in case of death (adults) 10,000 € 20,000 €
in case of death (children up to 18 years of age) 5,000 € 10,000 €
rescue costs no 5,000 €
costs of cosmetic surgery no 5,000 €

If you interrupt your journey once or several times for a temporary stay in your home country, insurance coverage in your home country is as follows:

  • insured period up to 12 months: no coverage in your home country
  • insured period of more than 12 months: 6 weeks coverage per insurance year

The limited insurance coverage in home country cannot be saved up during a stay of several years. If an insured year expires, insurance coverage for interruptions of max. 6 weeks per year automatically also expires.


  • Your stay in home country is an interruption of your journey abroad (which is continued at the end of your stay in home country).
  • The interruption takes place within the insured period.
  • Insurance coverage in home country is fully equal to insurance coverage abroad. The travel health insurance is no replacement for any public or private health insurance in your home country.

If your journey is finished earlier than scheduled (regardless of the reason, also in case of a return transport to your home country) there is by no means insurance coverage in the home country. Your insurance policy automatically expires on the day of final return to your home country. Premiums for the remaining perios not used because of premature return travel will be refunded. Please contact us.

outpatient or in-patient treatment:

  • You can consult any doctor or hospital available at your destination (free choice). A prior coordination with HanseMerkur Reiseversicherung AG is not necessary.
  • In case of emergency please contact the emergency phone number in Germany or in Austria 24 hours a day:
    Germany: +49 40 5555 7878
    Austria: +43 1 315 2444
  • Stays in the USA: If an inpatient medical treatment becomes neccessary in the USA please never make or sign any prepayment. In case of any disagreements please immediately contact the emergency phone number.
  • In any case, a medically reasonable return transport will exclusively be arranged by the emergency call center in co-operation with the doctor / hospital in charge at the destination.
  • Outpatient treatment must be prepaid by the insured person. Please request written diagnostic analysis, the doctor´s bills, receipts and prescriptions. They can be produced in any language or currency.
  • If in-patient treatment is necessary, please immediately contact HanseMerkur. It is possible to arrange direct billing between the hospital and HanseMerkur. Please keep your policy number ready when calling the emergency phone number in Germany or in Austria:
    Germany: +49 40 5555 7878
    Austria: +43 1 315 2444
  • Please submit your claim to HanseMerkur including original documents (treatment) as well as damage notice (see below) after returning home by mail to: HanseMerkur Reiseversicherung AG, Abt. RLK / Schaden, Siegfried-Wedells-Platz 1, D-20354 Hamburg.
  • If you prefer to submit your claim already while on journey, we recommend to send all documents through an international courier service in order to avoid the risk of loss of documents.
  • In the event of damage, the following documents must be sent to HanseMerkur: copy of the travel confirmation or invoice, insurance policy, your full address and bank account details (incl. IBAN and BIC/SWIFT), damage notice, original documents issued by the doctor or hospital.

damage notice travel health insurance:

Austrian residents can submit their documents to the office of HanseMerkur Reiseversicherung AG in Vienna. Please us the damage notice for Austria: