HanseMerkur
HanseMerkur Young Travel
Budget travel health insurance for young people — ideal for language courses, au pairs, and short-term stays in Germany
Desde €36/mo–53/mo
1–60 months Duración
Germany + EU/Schengen Cobertura
✓ Cumple requisitos de visa
up to 35 Límite de edad
Última actualización: March 20, 2026
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Planes disponibles
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Basic (Sorglos)
Desde €36 /mes
- Deducible: €0
- Ambulatorio: 100% medically necessary treatment, no deductible
- Dental: Pain relief/fillings up to €250; accident prosthetics...
- Salud mental: Not covered
- Embarazo: Pregnancy exams up to €250/year; complications and...
Recommended
Profi (Premium)
Desde €53 /mes
- Deducible: €0
- Ambulatorio: 100% medically necessary treatment + preventive care, no...
- Dental: 100% pain relief covered; accident prosthetics up to...
- Salud mental: Psychotherapy up to €1,000/year (max 5 sessions...
- Embarazo: Full pregnancy coverage (exams + delivery +...
Comparación de cobertura
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| Característica | Basic (Sorglos) | Recommended Profi (Premium) |
|---|---|---|
| Cobertura básica | ||
| Tratamiento ambulatorio | 100% medically necessary treatment, no deductible | 100% medically necessary treatment + preventive care, no deductible |
| Hospitalización | 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) |
| Medicamentos | 80% reimbursement for prescribed medication | 100% reimbursement for prescribed medication |
| Deducible / Copago | €0 | €0 |
| Dental y Óptica | ||
| Atención dental | 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 |
| Presupuesto dental | €250 (pain relief); €500 (accident prosthetics) | 100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics |
| Óptica | Not covered | Not covered |
| Beneficios adicionales | ||
| Salud mental | Not covered | Psychotherapy up to €1,000/year (max 5 sessions per insurance year) |
| Embarazo y Maternidad | Pregnancy exams up to €250/year; complications and premature birth covered | Full pregnancy coverage (exams + delivery + complications) |
| Telemedicina | | |
| Repatriación | | |
| Cumple requisitos de visa | | |
| Solicitar Basic (Sorglos) → | Solicitar Profi (Premium) → | |
Basic (Sorglos)
Profi (Premium) Recommended
Cobertura básica
Tratamiento ambulatorio
100% medically necessary treatment, no deductible
100% medically necessary treatment + preventive care, no deductible
Hospitalización
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)
Medicamentos
80% reimbursement for prescribed medication
100% reimbursement for prescribed medication
Deducible / Copago
€0
€0
Dental y Óptica
Atención dental
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
Presupuesto dental
€250 (pain relief); €500 (accident prosthetics)
100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics
Óptica
Not covered
Not covered
Beneficios adicionales
Salud mental
Not covered
Psychotherapy up to €1,000/year (max 5 sessions per insurance year)
Embarazo y Maternidad
Pregnancy exams up to €250/year; complications and premature birth covered
Full pregnancy coverage (exams + delivery + complications)
Telemedicina
Repatriación
Cumple requisitos de visa
Qué está cubierto
Detalles de prestaciones y cobertura.
Incluido
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
No cubierto
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
Precios
Precios por edad
Prima mensual neta por grupo de edad. Sin costes ocultos.
Grupo de edad 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)
Cumple la obligación de seguro
FAQ
Preguntas frecuentes sobre 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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