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HanseMerkur Young Travel
Budget travel health insurance for young people — ideal for language courses, au pairs, and short-term stays in Germany
From €36/mo–53/mo
1–60 monthsDuration
Germany + EU/SchengenCoverage
✓Visa Compliant
up to 35Age Limit
Last updated: March 20, 2026
Choose Your Plan
Available Plans
Compare coverage tiers and pick the plan that fits your needs.
Basic (Sorglos)
From€36/month
- Deductible: €0
- Outpatient: 100% medically necessary treatment, no deductible
- Dental: Pain relief/fillings up to €250; accident prosthetics...
- Mental health: Not covered
- Pregnancy: Pregnancy exams up to €250/year; complications and...
Recommended
Profi (Premium)
From€53/month
- Deductible: €0
- Outpatient: 100% medically necessary treatment + preventive care, no...
- Dental: 100% pain relief covered; accident prosthetics up to...
- Mental health: Psychotherapy up to €1,000/year (max 5 sessions...
- Pregnancy: Full pregnancy coverage (exams + delivery +...
Coverage Comparison
Compare Plan Coverage
See exactly what each plan covers side by side.
| Feature | Basic (Sorglos) | RecommendedProfi (Premium) |
|---|---|---|
| Core Coverage | ||
| Outpatient Treatment | 100% medically necessary treatment, no deductible | 100% medically necessary treatment + preventive care, no deductible |
| Hospital (Inpatient) | 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) |
| Medication | 80% reimbursement for prescribed medication | 100% reimbursement for prescribed medication |
| Deductible / Co-pay | €0 | €0 |
| Dental & Vision | ||
| Dental Care | 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 |
| Dental Budget | €250 (pain relief); €500 (accident prosthetics) | 100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics |
| Vision | Not covered | Not covered |
| Additional Benefits | ||
| Mental Health | Not covered | Psychotherapy up to €1,000/year (max 5 sessions per insurance year) |
| Pregnancy & Maternity | Pregnancy exams up to €250/year; complications and premature birth covered | Full pregnancy coverage (exams + delivery + complications) |
| Telemedicine | ||
| Repatriation | ||
| Visa Compliant | ||
| ApplyBasic (Sorglos) → | ApplyProfi (Premium) → | |
Basic (Sorglos)
Profi (Premium)Recommended
Core Coverage
Outpatient Treatment
100% medically necessary treatment, no deductible
100% medically necessary treatment + preventive care, no deductible
Hospital (Inpatient)
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)
Medication
80% reimbursement for prescribed medication
100% reimbursement for prescribed medication
Deductible / Co-pay
€0
€0
Dental & Vision
Dental Care
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
Dental Budget
€250 (pain relief); €500 (accident prosthetics)
100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics
Vision
Not covered
Not covered
Additional Benefits
Mental Health
Not covered
Psychotherapy up to €1,000/year (max 5 sessions per insurance year)
Pregnancy & Maternity
Pregnancy exams up to €250/year; complications and premature birth covered
Full pregnancy coverage (exams + delivery + complications)
Telemedicine
Repatriation
Visa Compliant
What's Covered
Benefits and coverage details.
Included
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
Not Covered
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
Pricing
Pricing by Age
Monthly net premium by age group. No hidden fees.
Age GroupBasic (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)
Fulfills insurance obligation
FAQ
Frequently Asked Questions about 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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