Health insurance and peace of mind for young visitors
If you’re a young foreign visitor aged under 35, this health insurance package offers you the security you need during your stay in Germany. If you need medical help while you’re here, this package will make sure you don’t face a big bill for treatment. There are other advantages, too:
Return transport to your home country if medically advisable and sensible
Rated as the top performer in a test by the German consumer body Stiftung Warentest
Renewable for up to 5 yearsSee all benefits and conditions
You can take out the insurance cover up to 31 days after your arrival in Germany
Young Travel Foreign Health Insurance
Tariff BASIS Tariff PREMIUM Product informationCosts of out-patient treatment according to the German physicians' and dentists' scale of fees (GOÄ / GÖZ) In accordance with item no. 437 and section M (laboratory costs) 1.15 times 1.15 timesIn accordance with sections A, E and O (technical performance) 1.8 times 1.8 timesFor all other GOÄ charges 2.3 times 2.3 timesPain management dental treatment (according to the respective scale of fees for dentists in Germany), per insurance year up to € 250Medication and dressings 80 % 100 %Radiation treatment, light therapy and other forms of physical treatmentMedically prescribed massages, medical packs, inhalation treatment and medical exercisesAccident-related costs for prescribed medical suppliesX-ray diagnosisOperationsUrgent in-patient treatment under standard medical care (multiple bedded room excluding private and semi-private treatments)Medical check-ups (after a waiting period of 6 months ) per year up to € 200Restoration of the function of the dental prosthesis at 50% per insurance year up to € 500 € 2,000Dental prosthesis at 50 % (after a waiting period of 6 months) up to € 2,000Accident-related dental prosthesis per insurance year € 500 € 2,000Pregnancy examinations and treatmentPregnancy examinations incl. examination and treatment by midwife up to € 250 100 %after a waiting period of 8 months 100 % 100 %Insurance cover for premature birth 100 % 100 %Transport by ambulance for in-patient treatmentMedically necessary and prescribed patient-return transportationCosts for the transportation of a companion in the event of patient-return transportationTransfer costs to home country or funeral expenses abroad up to € 20.000Hospital visit - minimum period for hospital stays of more than 14 days up to 1.000 €We will continue to cover your medical costs, until your transportation to your home country is possible (up to 3 months)Non-life Insurances Incoming Tariff KOMPAKT Tariff KOMFORTTravel Liability InsuranceLiability insurance endangerment of daily life € 1 Mio. € 2.5 Mio.Insurance claims for damages in/to items in rented property per event up to € 10,000 € 25,000Deportation costs up to € 1,000 € 5,000Loss of keys up to € 250Excess none (except for lease damage and key loss) none (except for lease damage and key loss)Travel Accident InsuranceInvalidity benefit (progression in the event of complete invalidity 350%) up to € 20,000 € 40,000Insurance sum in the event of death € 10,000 € 20,000Rescue and recovery costs up to € 5,000Plastic surgeries up to € 5,000 Book now Book now
Foreign health insurance
Travel accident insurance
Travel liability insurance
What you should know
You can find the answers to the most frequently asked questions about Young Travel Foreign Health Insurance below.Who's insured?
Who's eligible for the cover?
Young Travel Foreign Health Insurance is suitable if you’re an au pair, still at school, a language student, a university student, on a scholarship, a PhD student or on a work and travel programme and you’re staying in Germany. The package is restricted to those under 35.
I'm over 35. Which insurance policy is right for me?
HanseMerkur offers an inexpensive alternative: Health Insurance for Foreign Visitors Staying up to 5 Years.
What should I do if I need to claim?
If something happens so that you need to claim on your health insurance, please try to keep injury or illness to a minimum and avoid doing anything that could increase costs unnecessarily. Please contact the insurer as quickly as possible and fill in the claim report form completely and truthfully. The insurers will get in touch with you if they need more information than on the form.
Will I have to pay any excess charges?
No, there's no excess.
What benefits does the insurance cover?
Your Young Travel Foreign Health Insurance covers the costs of inpatient hospital treatment and of medicines and dressings prescribed by a doctor.
It also covers the costs of medical appliances needed as a result of an accident, premature births abroad, treatment of your newborn baby and medically advisable ambulance services (to the closest hospital, your accommodation or, if necessary and reasonable, back to your home country).
Other costs covered include a range of dental treatment, medically prescribed massage and physiotherapy, and repatriation and funeral expenses.
If it becomes clear that your hospital stay will last longer than 14 days, and if you wish, the insurer will organise travel by someone close to you to the place where you are in hospital and back home again and will cover the transport costs for the journey both ways. This is conditional on your still being in hospital when the person close to you arrives.
How much does Young Travel Foreign Health Insurance cost?
You can find an overview of prices here.
Who's the insurance partner?
reisemeister.de offers selected products from HanseMerkur Reiseversicherung AG. The travel and health insurance packages have regularly won awards from the consumer body Stiftung Warentest.
Who can help me if I've got further questions about the insurance?
Send an e-mail or ring the following service hotline. One of HanseMerkur Reiseversicherung's expert staff will be happy to help.
+49 (0)40 4119-1919
(opening hours: Monday to Friday – 8 am to 6 pm)