Young Travel

Schengen health insurance Young Travel

Health insurance in Germany for foreign students

Travel health policy for young people up to 35 years
Fulfils all Schengen visa requirements
Up to five years of insurance coverage
Easy online subscription up to 31 days after entry

Quick Guide

Briefly exlaind
Why is it important?
Cost example
Overview of the benefits
24-Hour Hotline
Get cover
Students & travellers
Downloads
Freelancer, expats & co.
FAQs

Health insurance for students, interns and au pairs in Germany

Some time abroad, whether as a student, au pair, or on a Work & Travel program, can be great for your life experience, your education and your future career. Would you like to get to know Germany and at the same time always know that your medical care and protection is always covered? Then our German travel health insurance Young Travel is the right choice for you. You don’t have to do a lot of research – our health insurance meets all requirements if you want to apply for a Germany and EU student visa as a student, intern, au pair or as part of a Work & Travel experience. You get it at a reasonable price and you can cancel it flexibly. Do you already have insurance in your home country? Then the Young Travel tariffs could close the gaps in your health insurance benefits.

Our Young Travel health insurance for international students in Germany is particularly suitable for students and exchange pupils who are enrolled at a private university. The prerequisite is that your private university does not require statutory health insurance (GKV for ‘Gesetzliche Krankenversicherung’) as a condition of enrollment, as it is at public universities. Therefore, please check the enrolment conditions beforehand.

Advigon Young Travel insurance is for

au pairs
language students
university students
scholarship holders or doctoral candidates
participants in Work & Travel programs or
anyone demonstrably travelling to the Federal Republic of Germany for further training.

Briefly explained – What is health insurance for foreign students and au pairs?

In the Federal Republic of Germany, there is a very good healthcare system designed to protect all citizens from the financial risks of illness or accident. For this reason, individual health insurance in the Federal Republic is mandatory.
It is possible that you will need a visa for your stay in Germany. Incoming health insurance meets the requirements for obtaining your visa.
In the event of an accident or illness, you will receive first-class medical care in Germany thanks to Young Travel.
You do not need to worry about money and can enjoy your stay in Germany to the max – whether studying or at a party!

Why is Young Travel the right choice for students, au pairs or young travellers?

Für wen eignet sich die Krankenversicherung „Young Travel“

If you want to get health insurance in Germany as international students, au pairs or Work & Travel participants, Young Travel Basic or Young Travel Professional are perfect tariffs for you. And because life is not always predictable, especially as a young person, we at Advigon have tried to be an insurance provider that is as flexible as possible. Our Young Travel insurance is particularly attractive for spontaneous travelers, as the insurance can simply be taken out online up to 31 days after entry. You can cancel your health insurance early if, for example, you don’t get on with your au pair host family and return home prematurely. It is fast and easy! And if you love it so much in Germany that you want to stay longer, you can easily extend the period of your insurance cover – for up to five years.
For contracts lasting at least twelve months, you are even covered in your home country by Young Travel health insurance, for example if you want to visit your parents during the holiday season (maximum six weeks, in USA and Canada up to 14 days). And if you need to make a claim with Advigon because of an accident or a medical illness, you will be assisted by our Emergency Assistance Line – trained experts – day and night, including Sundays and public holidays! You can reach us at +49 621 549 1906.

How much is international student health insurance in Germany?

Young Travel health insurance offers you comprehensive benefits at a very reasonable price. The Basic tariff starts at a daily rate of 1,19 € and the Profi tariff at 1,75 €. Per insured event there are 25 € deductible.

With our Young Travel insurance we insure people up to 35 years of age. Are you 35 and older and want to take out medical insurance in Germany? Don’t worry – we have lots of other offerings. For international travellers, students, tourists, expats or freelancers, we offer our Foreign Guests, Expats or Freelancer & self-employed tariffs for people up to 75 years of age.

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Young Travel health insurance – Overview of the benefits

Young Travel Basic	Young Travel Profi
Out-patient treatment
Costs for out-patient treatment According to the Schedule of Fees for Docots (GOÄ). Treatments otside Germany are reimbursed at the normal local rates.

Costs for radiation therapy, light therapy, and other physical treatments

Prescribed therapeutic aids following an accident

Prescribed medications and surgical dressings
80 %
Prescribed massages, medicinal compresses and inhalations
not insured
Screening check-ups for early detection of cancers
not insured	€ 200 / year
Out-patient psychoanalytical and psychotherapeutic treatments Up to five sessions per insurance year
not insured	€ 1.000 / year
In-patient treatment
Costs for in-patient medical treatment under general care insurance Under general care insurance = multiple-bed room without optional services (treatment by private doctor)

Operations

Option of daily allowance (for stays in hospital for inpatient treatment) Optionally instead of in-patient treatment costs and patient transport. For each day of in-patient treatment up to a maximum of 14 days (incl. day of admission & discharge).
€ 75	€ 75
Hospital visit where the stay in hospital exceeds 14 days If it is clear that the insured person will have to stay in hospital for longer than 14 days, Advigon shall, upon request,, arrange for a relative or friend of the insured person to travel to the location of the hospital and back to their place of residence and shall cover the transport costs for the round trip.
not insured	€ 1.000
Dental treatment, denture
Dental treatment for pain relief According to Schedule of Fees for Dentists up to factor 2,3
€ 250 / year
Denture due to an accident
€ 500 / year	€ 2.000
Up to 50 % of the cost for medically required dentures
not insured	€ 2.000 / year
More benefits
Pregnancy treatment due to complaints Medically necessary pregnancy treatment, childbirth up to the end of the 36th week of pregnancy (premature birth), treatment relating to a miscarriage or a medically necessary abortion

Pregnancy examinations
€ 250 / year
Patient transportation to and from hospital

Deliveries including examination and treatment costs by midwives

Repatriation, if medically desirable

An accompanying person during return transport

Repatriation of mortal remains to the home country or funeral in the Federal Republic of Germany
€ 20.000
Follow-up liability until restoration of ability to travel

Daily Premiums
1 to 365 days
1,19 €	1,75 €
366 to 1.825 days
1,65 €	2,15 €
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24-Hour Hotline

In case of emergencies, our worldwide emergency assistance line is available for all persons insured by Advigon. It is available at any time, 24/7, including Sundays and public holidays.

Call +49 621 5490-1906

How do I take out health insurance with Advigon?

Getting student health insurance in Germany is very easy with Advigon, as it can be done completely online. You can take out our international health insurance at any time before your departure and after your arrival. It' s very easy via the English booking form on our website. Simply enter your name, date of birth and your home country as well as the dates of your arrival and departure and the reason for your stay in Germany.
If you have any questions, you can call us at +49 (0)40 - 5555 4020. Communication with Advigon is very easy – our English-speaking customer service will be happy to assist you. You can also write to us using the contact form on our website.

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Case studies: That’s how international students and travellers benefit from our health insurance

Krankenversicherung für ausländische Studenten

Jack is a 20 year old student from Great Britain and spends two semesters at a private university in Germany. During a sunny weekend trip to a bathing lake, he suffered a laceration on his head while doing stand-up paddling and had to be taken by ambulance to the nearest hospital for medical treatment. His health insurance Advigon Young Travel steps in and covers the costs of the treatment.

Krankenversicherung für Au Pairs in Deutschland

Deborah, 18, from the United States would like to be an au pair in Germany for a year. She takes out a Basic tariff with Advigon's Young Travel health insurance. Unfortunately, she does not get along well with the host family and would rather go back home. With Advigon's flexible tariff it is no problem to terminate the insurance as well. She keeps the ticket of the return trip as proof and terminates her insurance with Advigon.

Downloads

All other details about the Young Travel travel health insurance can be seen in our price overview, the information sheet for insurance products, and the insurance terms and conditions for the Health Insurance for Young Guests.

Information sheet Young Travel

Price overview Young Travel

Insurance terms and conditions for travel health insurance

Product data sheet Young Travel

Advigon travel health insurance – for freelancer, expats and Work & Travel

By the way, if you are over 35 and would like to work in Germany for a longer time – for example as an expatriate, freelancer or seasonal worker – Advigon offers bespoke foreign guests health insurance.

Foreign Guests

FAQs – Health insurance for students, interns and au pairs in Germany

Who can take out the Young Travel health insurance?

The travel health insurance is an offer for au pairs, pupils, language students, university students, scholarship holders, PhD students and participants in “Work & Travel” programmes who are staying in Germany for a longer period. The insurance can be taken out by persons younger than 35 years of age.

Do au pairs need health insurance in Germany?

In the German healthcare system the au pair’s host family is responsible to take out health, accident and liability insurance for their au pair. According to the Federal Employment Agency, German host families must provide coverage for their au pair in the event of illness, pregnancy and childbirth, as well as an accident.

Do I need health insurance in Germany as an intern?

When you are planning to do an internship in Germany you have to take out German health insurance. As a student, if your internship is compulsory for your study, you must pay your own health insurance contributions. If it is a voluntary internship, you share the contributions with your employer if you work more than 20 hours a week.

Do students need health insurance in Germany?

Yes, in Germany you have to arrange your own health insurance as a student before you register at a university. This can be private or statutory. Students from non-EU countries should check if there is a social security agreement between Germany and their home country. If so, the insurance in your home country should also be valid in Germany. Therefore, ask your provider at home before you go to Germany. If this is not the case, you will have to take out a German health insurance.
Students from EU or EEA countries (Switzerland, Liechtenstein, Norway and Iceland) are usually covered by health insurance in their home country. Before you go to Germany, ho ever, you must have this recognized by a German health insurance company. In this case, you also need an EHIC card (European Health Insurance Card), which you receive from the statutory health insurance in Germany.

What should be borne in mind when visiting the home country?

If the insurance cover applied for exceeds 12 months, the insurance cover in the home country is limited to six weeks a year. Beyond that, travel in the home country* is not insured.

*Home country as defined in this condition means your permanent residence before your temporary stay in Germany.

What should be borne in mind when visiting the USA and Canada?

For trips to the USA or Canada, this insurance cover is limited to 14 days per trip.

Can the insurance be extended or terminated early?

If you end your stay in Germany early, you can terminate the insurance. In this case, it is important that you keep your air tickets and other evidence of the premature end to the trip.

If you wish to extend your stay in Germany, you can at any time continue our insurance with an extension contract. Please note that the total period of stay in Germany is limited to five years.