Young Travel Schengen insurance for stays in Germany

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

Health insurance, accident-, liability-, luggage and SOS emergency insurance.

Young Travel (Incoming to Germany) up to 5 years
duration of stay in Germany: max. age: 35 years / premiums per day
Basic Profi
  Health Insurance
up to 365 days 1.19 € 1.75 €
min. premium 15 € 25 €
365-1,825 days 1.65 € 2.15 €
add-on package Basic Profi
up to 1,825 days 0.27 € 0.60 €
min. premium 5 € 10 €
add-on package Basic: SOS, accident & liability insurance
add-on package Profi: SOS, accident, liability- & luggage insurance
Young Travel (Incoming to Germany)
Benefits health insurance: Type:
Basic Profi
Outpatient medical treatment in accordance with the fee schedule set out at GOÄ acc. no. 437 and section M (laboritory services) up to 1.15-fold


Outpatient medical treatment in accordance with the fee schedule set out at GOÄ acc sections A, E and O (technical services) up to 1.8-fold 1.8-fold
Outpatient medical treatment in accordance with the fee schedule set out at GOÄ for all remaining services 2.3-fold 2.3-fold
Dental treatment for pain relief in accordance with the fee schedule for dentists,
per insurance year
250 € 100 %
Medications and surgical dressings 80 % 100 %
Radiation therapy, light therapy and other physical treatments 100 % 100 %
Massages, compresses, inhalations and physiotherapy no 100 %
Therapeutic aids following an accident 100 % 100 %
Operations 100 % 100 %
Inpatient medical treatment under general care insurance (multiple-bed room) without optional services (treatment by private doctor) 100 % 100 %
Medically necessary rehabilitation measures 100 % 100 %
Screening check-ups for early detection of cancers, per insurance year no 200 €
Outpatient psychoanalytical and psychotherapeutic treatments (up to five sessions per policy year) no 1,000 €
Dental prostheses, up to 50% (waiting period 6 months) nein 2,000 €
Dental prostheses due to an accident 500 € 2,000 €
Medically necessary treatment for pregnancy and treatment during premature birth 100 % 100 %
Pregnancy examinations, per policy year 250 € 100 %
Deliveries, including examination and treatment costs of midwives (waiting period 6 months) 100 % 100 %
Ambulance transport to inpatient treatment 100 % 100 %
Repatriation, if medically desirable 100 % 100 %
An accompanying person during return transport 100 % 100 %
Repatriation of mortal remains to the home country or funeral in the Federal Republic of Germany 20,000 € 100 %
Hospital visit where the stay in hospital exceeds 14 days no 1.000 €
Follow-up liability until restoration of ability to travel 100 % 100 %
deductible: no
Young Travel 365 days (Incoming to Germany)
Benfits 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:
Basic Profi
Everyday liability risks 1 Mio. € 2.5 Mio. €
Liability claims for damage to rented property, per insured event 10,000 € 25,000 €
Damage to the household of the host family 10,000 € 25,000 €
Deportation costs 1,000 € 5,000 €
Loss of keys nein 250 €
Damage to assets nein 10,000 €
Professional liability nein 25,000 €
Bad debt insurance nein 10,000 €
Damage to rented property and deportation costs: 20 %, at least 50 €. Damages to the household of the host family, professional liability and bad debt insurance: 10 %, at least 200 €.
Young Travel 365 Tage (Incoming to Germany)
Insured events accident insurance:
damage to health caused by an accident
pulled muscles and torn ligaments
drowning or suffocation
Insured Sums: Type :
Basic Profi
In the event of disability 20,000 € 60,000 €
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 5,000 € 10,000 €
Costs of cosmetic surgery 5,000 € 10,000 €
no deductible
Young Travel 365 Tage (Incoming to Germany)
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:
Basic Profi
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
deductible: 50 € per claim
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.
Young Travel 365 Tage (Incoming to Germany)
Benefits SOS insurance:
Insured Sums: Type:
Basic Profi
Return travel costs to home country in the event of a family member becoming ill no 1,000 €
Cancellation of trip or delayed return journey due to Illness, accident or death (loan for additional costs) 100 % 100 %
Cancellation of trip or delayed return journey due to abduction (loan for additional costs) 10,000 € 15,000 €
Assistance if detained or when at risk of being detained (loan) 1,000 € 2,500 €
Loan for bail 10,000 € 15,000 €
Loss of travel money (loan) no 500 €
Assistance when credit and debit or Maestro cards are lost 100 % 100 %
Loss of travel documents 100 % 100 %
Aid in case of rebooking or delays 100 % 100 %
no deductible