HanseMerkur
HanseMerkur Young Travel
Budget travel health insurance for young people — ideal for language courses, au pairs, and short-term stays in Germany
من €36/mo–53/mo
1–60 months المدة
Germany + EU/Schengen التغطية
✓ متوافق مع التأشيرة
up to 35 حد العمر
آخر تحديث: March 20, 2026
اختر خطتك
الخطط المتاحة
قارن مستويات التغطية واختر الخطة المناسبة لك.
Basic (Sorglos)
من €36 /شهر
- التحمّل: €0
- العيادات الخارجية: 100% medically necessary treatment, no deductible
- الأسنان: Pain relief/fillings up to €250; accident prosthetics...
- الصحة النفسية: Not covered
- الحمل: Pregnancy exams up to €250/year; complications and...
Recommended
Profi (Premium)
من €53 /شهر
- التحمّل: €0
- العيادات الخارجية: 100% medically necessary treatment + preventive care, no...
- الأسنان: 100% pain relief covered; accident prosthetics up to...
- الصحة النفسية: Psychotherapy up to €1,000/year (max 5 sessions...
- الحمل: Full pregnancy coverage (exams + delivery +...
مقارنة التغطية
مقارنة تغطية الخطط
اطّلع بالتفصيل على ما تغطيه كل خطة.
| الميزة | Basic (Sorglos) | Recommended Profi (Premium) |
|---|---|---|
| التغطية الأساسية | ||
| العلاج الخارجي | 100% medically necessary treatment, no deductible | 100% medically necessary treatment + preventive care, no deductible |
| الإقامة بالمستشفى | Inpatient treatment covered, shared room; €75/day alternative hospital allowance (up to 14 days) | Inpatient treatment fully covered, shared room; €75/day alternative hospital allowance (up to 14 days) |
| الأدوية | 80% reimbursement for prescribed medication | 100% reimbursement for prescribed medication |
| التحمّل / المساهمة | €0 | €0 |
| الأسنان والبصر | ||
| رعاية الأسنان | Pain relief/fillings up to €250; accident prosthetics up to €500 | 100% pain relief covered; accident prosthetics up to €2,000; ongoing prosthetics up to €2,000/year |
| ميزانية الأسنان | €250 (pain relief); €500 (accident prosthetics) | 100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics |
| البصر | Not covered | Not covered |
| مزايا إضافية | ||
| الصحة النفسية | Not covered | Psychotherapy up to €1,000/year (max 5 sessions per insurance year) |
| الحمل والأمومة | Pregnancy exams up to €250/year; complications and premature birth covered | Full pregnancy coverage (exams + delivery + complications) |
| الطب عن بُعد | | |
| الإعادة للوطن | | |
| متوافق مع التأشيرة | | |
| تقديم Basic (Sorglos) → | تقديم Profi (Premium) → | |
Basic (Sorglos)
Profi (Premium) Recommended
التغطية الأساسية
العلاج الخارجي
100% medically necessary treatment, no deductible
100% medically necessary treatment + preventive care, no deductible
الإقامة بالمستشفى
Inpatient treatment covered, shared room; €75/day alternative hospital allowance (up to 14 days)
Inpatient treatment fully covered, shared room; €75/day alternative hospital allowance (up to 14 days)
الأدوية
80% reimbursement for prescribed medication
100% reimbursement for prescribed medication
التحمّل / المساهمة
€0
€0
الأسنان والبصر
رعاية الأسنان
Pain relief/fillings up to €250; accident prosthetics up to €500
100% pain relief covered; accident prosthetics up to €2,000; ongoing prosthetics up to €2,000/year
ميزانية الأسنان
€250 (pain relief); €500 (accident prosthetics)
100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics
البصر
Not covered
Not covered
مزايا إضافية
الصحة النفسية
Not covered
Psychotherapy up to €1,000/year (max 5 sessions per insurance year)
الحمل والأمومة
Pregnancy exams up to €250/year; complications and premature birth covered
Full pregnancy coverage (exams + delivery + complications)
الطب عن بُعد
الإعادة للوطن
متوافق مع التأشيرة
ما المشمول
تفاصيل المزايا والتغطية.
مشمول
Affordable daily pricing from €1.19/day (Basic) or €1.75/day (Profi)
Profi plan includes accident (€60k disability) + liability (€2.5M) + emergency insurance
Profi plan covers psychotherapy up to €1,000/year
Profi plan covers pregnancy exams and delivery
100% medication reimbursement on Profi plan
Up to 5 years coverage duration
Visa-compliant for German entry and Schengen visas
Backed by HanseMerkur — one of Germany's oldest insurers (since 1875)
31-day general waiting period waived if enrolled within 31 days of entry
غير مشمول
Lower age limit (35) than most student-specific products
Basic plan has very limited coverage — no mental health, limited dental, limited pregnancy
Basic plan only reimburses 80% of medication costs
No vision/glasses coverage on either plan
Daily pricing model makes cost comparison harder
Prices increase from month 13 onward
Pre-existing conditions: €5,000 personal contribution; max benefit €30,000
31-day general waiting period applies unless enrolled within 31 days of entry
Travel insurance product — not a substitutive health insurance like Provisit Student
الأسعار
الأسعار حسب العمر
القسط الشهري الصافي حسب الفئة العمرية. بدون رسوم مخفية.
الفئة العمرية Basic (Sorglos) Profi (Premium) Recommended
up to 35 (months 1–12) ~€36 (€1.19/day)~€53 (€1.75/day)
up to 35 (from month 13) ~€50 (€1.65/day)~€65 (€2.15/day)
يفي بالتزام التأمين
الأسئلة الشائعة
الأسئلة الشائعة حول HanseMerkur Young Travel
Young Travel is a travel health insurance product — not a substitutive comprehensive health insurance. It works for language courses, au pair stays, internships, and short-term exchange programs. For full degree programs requiring substitutive coverage, consider Provisit Student, MAWISTA Student, or statutory insurance (GKV).
Basic is health-only with limited benefits: €250 dental cap, 80% medication, no mental health, limited pregnancy (€250/year). Profi adds 100% dental (including €2,000/year prosthetics), 100% medication, psychotherapy (€1,000/year, 5 sessions), full pregnancy coverage, plus accident insurance (€60k disability), liability (€2.5M), and cancer screening. Profi costs about €17/month more.
Young Travel uses daily pricing: Basic costs €1.19/day (~€36/month) and Profi costs €1.75/day (~€53/month) for the first 12 months. From month 13, rates increase to €1.65/day (~€50/month) for Basic and €2.15/day (~€65/month) for Profi. All prices are for ages under 35.
Pre-existing conditions are covered with limitations: you must pay €5,000 as a personal contribution, and the maximum benefit is capped at €30,000. There is also a 31-day general waiting period, which is waived if you enroll within 31 days of entering Germany.
Young Travel is visa-compliant for German entry visas and Schengen visas. However, it may not meet the requirements for long-term student residence permits that require substitutive health insurance (Krankenversicherungspflicht). Check with your university and immigration office.
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