HanseMerkur
HanseMerkur Young Travel
Budget travel health insurance for young people — ideal for language courses, au pairs, and short-term stays in Germany
À partir de €36/mo–53/mo
1–60 months Durée
Germany + EU/Schengen Couverture
✓ Conforme au visa
up to 35 Limite d'âge
Dernière mise à jour: March 20, 2026
Choisissez votre formule
Formules disponibles
Comparez les niveaux de couverture et choisissez la formule adaptée.
Basic (Sorglos)
À partir de €36 /mois
- Franchise: €0
- Ambulatoire: 100% medically necessary treatment, no deductible
- Dentaire: Pain relief/fillings up to €250; accident prosthetics...
- Santé mentale: Not covered
- Grossesse: Pregnancy exams up to €250/year; complications and...
Recommended
Profi (Premium)
À partir de €53 /mois
- Franchise: €0
- Ambulatoire: 100% medically necessary treatment + preventive care, no...
- Dentaire: 100% pain relief covered; accident prosthetics up to...
- Santé mentale: Psychotherapy up to €1,000/year (max 5 sessions...
- Grossesse: Full pregnancy coverage (exams + delivery +...
Comparaison des garanties
Comparer les couvertures
Découvrez en détail ce que chaque formule couvre.
| Caractéristique | Basic (Sorglos) | Recommended Profi (Premium) |
|---|---|---|
| Couverture de base | ||
| Soins ambulatoires | 100% medically necessary treatment, no deductible | 100% medically necessary treatment + preventive care, no deductible |
| Hospitalisation | 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) |
| Médicaments | 80% reimbursement for prescribed medication | 100% reimbursement for prescribed medication |
| Franchise / Copaiement | €0 | €0 |
| Dentaire & Optique | ||
| Soins dentaires | 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 |
| Budget dentaire | €250 (pain relief); €500 (accident prosthetics) | 100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics |
| Optique | Not covered | Not covered |
| Avantages supplémentaires | ||
| Santé mentale | Not covered | Psychotherapy up to €1,000/year (max 5 sessions per insurance year) |
| Grossesse & Maternité | Pregnancy exams up to €250/year; complications and premature birth covered | Full pregnancy coverage (exams + delivery + complications) |
| Télémédecine | | |
| Rapatriement | | |
| Conforme au visa | | |
| Souscrire Basic (Sorglos) → | Souscrire Profi (Premium) → | |
Basic (Sorglos)
Profi (Premium) Recommended
Couverture de base
Soins ambulatoires
100% medically necessary treatment, no deductible
100% medically necessary treatment + preventive care, no deductible
Hospitalisation
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)
Médicaments
80% reimbursement for prescribed medication
100% reimbursement for prescribed medication
Franchise / Copaiement
€0
€0
Dentaire & Optique
Soins dentaires
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
Budget dentaire
€250 (pain relief); €500 (accident prosthetics)
100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics
Optique
Not covered
Not covered
Avantages supplémentaires
Santé mentale
Not covered
Psychotherapy up to €1,000/year (max 5 sessions per insurance year)
Grossesse & Maternité
Pregnancy exams up to €250/year; complications and premature birth covered
Full pregnancy coverage (exams + delivery + complications)
Télémédecine
Rapatriement
Conforme au visa
Ce qui est couvert
Détails des prestations et de la couverture.
Inclus
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
Non couvert
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
Tarifs
Tarifs par âge
Prime mensuelle nette par tranche d'âge. Aucun frais caché.
Tranche d'âge 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)
Remplit l'obligation d'assurance
FAQ
Questions fréquentes sur 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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