HanseMerkur
HanseMerkur Young Travel
Budget travel health insurance for young people — ideal for language courses, au pairs, and short-term stays in Germany
से €36/mo–53/mo
1–60 months अवधि
Germany + EU/Schengen कवरेज
✓ वीज़ा अनुरूप
up to 35 आयु सीमा
अंतिम अपडेट: March 20, 2026
अपना प्लान चुनें
उपलब्ध प्लान
कवरेज स्तरों की तुलना करें और अपनी ज़रूरत के अनुसार प्लान चुनें।
Basic (Sorglos)
से €36 /माह
- कटौती: €0
- बाह्य रोगी: 100% medically necessary treatment, no deductible
- दंत चिकित्सा: Pain relief/fillings up to €250; accident prosthetics...
- मानसिक स्वास्थ्य: Not covered
- गर्भावस्था: Pregnancy exams up to €250/year; complications and...
Recommended
Profi (Premium)
से €53 /माह
- कटौती: €0
- बाह्य रोगी: 100% medically necessary treatment + preventive care, no...
- दंत चिकित्सा: 100% pain relief covered; accident prosthetics up to...
- मानसिक स्वास्थ्य: Psychotherapy up to €1,000/year (max 5 sessions...
- गर्भावस्था: Full pregnancy coverage (exams + delivery +...
कवरेज तुलना
प्लान कवरेज की तुलना
प्रत्येक प्लान में क्या शामिल है, विस्तार से देखें।
| विशेषता | Basic (Sorglos) | Recommended Profi (Premium) |
|---|---|---|
| मूल कवरेज | ||
| बाह्य रोगी उपचार | 100% medically necessary treatment, no deductible | 100% medically necessary treatment + preventive care, no deductible |
| अस्पताल (भर्ती) | 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) |
| दवाइयाँ | 80% reimbursement for prescribed medication | 100% reimbursement for prescribed medication |
| कटौती / सह-भुगतान | €0 | €0 |
| दंत एवं दृष्टि | ||
| दंत चिकित्सा | 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 |
| दंत बजट | €250 (pain relief); €500 (accident prosthetics) | 100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics |
| दृष्टि | Not covered | Not covered |
| अतिरिक्त लाभ | ||
| मानसिक स्वास्थ्य | Not covered | Psychotherapy up to €1,000/year (max 5 sessions per insurance year) |
| गर्भावस्था एवं मातृत्व | Pregnancy exams up to €250/year; complications and premature birth covered | Full pregnancy coverage (exams + delivery + complications) |
| टेलीमेडिसिन | | |
| प्रत्यावर्तन | | |
| वीज़ा अनुरूप | | |
| आवेदन Basic (Sorglos) → | आवेदन Profi (Premium) → | |
Basic (Sorglos)
Profi (Premium) Recommended
मूल कवरेज
बाह्य रोगी उपचार
100% medically necessary treatment, no deductible
100% medically necessary treatment + preventive care, no deductible
अस्पताल (भर्ती)
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)
दवाइयाँ
80% reimbursement for prescribed medication
100% reimbursement for prescribed medication
कटौती / सह-भुगतान
€0
€0
दंत एवं दृष्टि
दंत चिकित्सा
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
दंत बजट
€250 (pain relief); €500 (accident prosthetics)
100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics
दृष्टि
Not covered
Not covered
अतिरिक्त लाभ
मानसिक स्वास्थ्य
Not covered
Psychotherapy up to €1,000/year (max 5 sessions per insurance year)
गर्भावस्था एवं मातृत्व
Pregnancy exams up to €250/year; complications and premature birth covered
Full pregnancy coverage (exams + delivery + complications)
टेलीमेडिसिन
प्रत्यावर्तन
वीज़ा अनुरूप
क्या शामिल है
लाभ एवं कवरेज विवरण।
शामिल
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
शामिल नहीं
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
मूल्य
आयु के अनुसार मूल्य
आयु वर्ग के अनुसार मासिक शुद्ध प्रीमियम। कोई छिपी लागत नहीं।
आयु वर्ग 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)
बीमा दायित्व पूरा करता है
FAQ
HanseMerkur Young Travel के बारे में अक्सर पूछे जाने वाले प्रश्न
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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