Young Travel Outgoing (up to 5 years)

travel insurance for au pair stays abroad

You are planning an au pair stay, to study abroad or any other kind of further-educational measure abroad? Young Travel offers perfect insurance coverage for young people up to 35 years of age with permanent place of residence in Germany:

  • travel health insurance
  • travel private liability insurance
  • travel accident insurance
  • travel emergency insurance
  • luggage insurance

Travel health insurance is offered as "basic" or "premium" product. Please find all details in the chart of "benefits" below.

Young Travel (stays abroad up to 5 years)
Duration of stay: max. age: 35 years / premiums per day
Health Insurance
  without USA & Canada with USA & Canada
  Basic Premium Basic Premium
1. - 12. month 1.05 € 1.39 € 1.79 € 1.95 €
min. premium 15 € 25 € 20 € 30 €
13. - 60. month 1.59 € 1.95 € 2.49 € 2.69 €
add-on Compact worldwide Comfort worldwide
1. - 60. month 0.24 € 0.59 €
min. premium 4 € 10 €
Add-On Compact: SOS, accident & liability insurance
Add-On Comfort: SOS, accident, liability & luggage insurance
Young Travel (stays abroad up to 5 years)
Benefits Travel Health Insurance: Type:
Basis Premium
Outpatient treatment 100 %

100 %

Dental treatment for pain relief per insurance year 250 € 100 %
Medication and dressings 100 % 100 %
Radiation, light and other physical therapies 100 % 100 %
Massages, compresses, inhalations and physiotherapy no 100 %
Prescribed aids due to an accident 100 % 100 %
Diagnostic radiology 100 % 100 %
Operations 100 % 100 %
Inpatient treatment 100 % 100 %
Medically necessary rehabilitation measures 100 % 100 %
Preventive check-ups (after 6-month qualifying period), per insurance year no 200 €
Outpatient psychoanalytical treatment (up to 5 sessions per insurance year) no 1,000 €
Dental prostheses (50%) (after 6-month qualifying period) no 2,000 €
Dental prostheses required as a result of an accident 500 € 2,000 €
Medically necessary pregnancy treatment and early births 100 % 100 %
Pregnancy check-ups per insurance year 250 € 100 %
Births incl. check-up and costs of treatment by midwives after a qualifying period of 8 months 100 % 100 %
Transport of a sick person for inpatient treatment 100 % 100 %
Transport of a sick person back to the original location, if this makes medical sense 100 % 100 %
Costs for companion upon repatriation of a sick person 100 % 100 %
Transfer/funeral expenses 10,000 € 100 %
Hospital visit for a hospital stay of more than 14 days no 1.000 €
Subsequent liability abroad 100 % 100 %
Dispatch of medication no 100 %
Information regarding local physicians 100 % 100 %
Transfer of information between physicians 100 % 100 %
Phone costs on contacting the emergency centre no 25 €
Compensation for expenses: for inpatient treatment, up to 14 days, per day 25 € 75 €
Compensation for expenses: for outpatient treatment, once 25 € 75 €
Alternatively hospital daily benefits, up to 30 days, per day 25 € 75 €
Treatment costs in home country in case of interruption of stays abrod (max. 6 weeks) 100 % 100 %
no deductible
Young Travel (stays abroad up to 5 years)
Benefits SOS Insurance:
Insured Sums: Type:
Comfort Compact
Declaration of assumption of costs (loans) vis-à-vis hospitals 10,000 € 15,000 €
Patient transport 1,000 € 2,500 €
Repatriation of luggage no 100 %
Travel costs home in the case of illness of a family member no 1.000 €
Curtailment of the trip or a delayed return journey due to illness, accident or death (loan for additional costs) 100 % 100 %
Curtailment of the trip or a delayed return journey due to kidnapping (loan for additional costs) 10,000 € 15,000 €
Curtailment of the trip or a delayed return journey due to travel call(loan for additional costs) 100 % 100 %
Assistance in the event of arrest and threat of arrest (loan) 1,000 € 2,500 €
Loan for bail 10,000 € 15,000 €
Loss of means of paying for the trip 1,000 € 2,500 €
Help in the case of a loss of credit cards and EC or Maestro cards 100 % 100 %
Loss of travel documents 100 % 100 %
Help in the case of changes to the booking/delays 100 % 100 %
no deductible
Young Travel (stays abroad up to 5 years)
Benefits liability insurance:
inspection of the liability query and settlement of justified claims
surety guarantee for annuities due
costs of a legal dispute
Insured events: Type:
Comfort Compact
Third-party liability risks of daily life 1 Mio. € 2.5 Mio. €
Third-party liability claims due to damage to rental property, per insurance case 10,000 € 25,000 €
Damages in the host family's household 2,500 € 2,500 €
Loss of keys no 250 €
In case of damage to rental property: 20 %, at least 50 €. In case of damage to host family´s household: 10 %, at least 150 €.
Young Travel (stays abroad up to 5 years)
Insured events accident insurance:
damage to health caused by an accident
pulled muscles and torn ligaments
drowning or suffocation
Insured Sums: Type :
Compact Comfort
In the event of disability 20,000 € 40,000 €
Progression in the event of disability exceeding 25% 350 % 350 %
In the event of death (adults) 10,000 € 20,000 €
In the event of death (children up to 18 years) 5,000 € 10,000 €
Rescue costs no 5,000 €
Costs of cosmetic surgery no 5,000 €
no deductible
Young Travel (stays abroad up to 5 years)
Insured events travel luggage insurance:
damage to luggage handed over for safekeeping
exceedance of the delivery deadline for luggage (delivery not on the day of your arrival at the destination)
criminal act by third parties
damage in the case of transport accidents
damage caused by fire, explosion or elementary event
Insured sum: 2,000 € for each insured damage event. For the items specified below, compensation is limited to the following amounts: Type:
Compact Comfort
Valuables no 50 %
Glasses, contact lenses, hearing aids and mobile phones (car phones are not insured), including accessories for the aforementioned items no 250 €
Golf and diving equipment, bicycles, including accessories for the aforementioned items no 750 €
Surfboards, windsurfing equipment, including accessories for the aforementioned items no 500 €
Musical instruments, including accessories (if taken on the trip for private purposes) no 250 €
IT equipment and electronic communication and entertainment systems, including accessories no 250 €
Emergency purchases due to overdue delivery of luggage no 500 €
Refund the value of the material in the case of films, video, sound and data media no yes
Administrative fees for identity cards, passports, motor vehicle documentation and other types of ID n0 yes
no deductible
Travel luggage: personal travel necessities taken on the trip, as well as gifts and souvenirs acquired during the trip. Items that are normally intended only for professional purposes taken on or acquired during the trip are not insured. The present value of the items is insured.
Sports equipment incl. accessories (excluded: motors) is only insured as long as it is not being used within the scope of intended use.
Valuable items within the meaning of this provisions are furs, jewellery, items made of precious metals, photographic and film equipment, portable video systems, laptops and other electronic devices as well as mobile phones incl. accessories.

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: