HanseMerkur
HanseMerkur Young Travel
Budget travel health insurance for young people — ideal for language courses, au pairs, and short-term stays in Germany
At a glance HanseMerkur
Monthly premiumFrom €35.70–52.50/mo
Duration1–60 months
CoverageGermany (temporary trips abroad within the EU/Schengen area are covered)
Age Limitup to 34 years (must be under 35 at policy start)
Visa Compliant Yes
Last updatedNovember 7, 2026
01Choose Your Plan
Available Plans
Compare coverage tiers and pick the plan that fits your needs.
Basic (Sorglos)
From€35.70/mo
- 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€52.50/mo
- 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 +...
02Coverage 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 | ||
| Visit Basic (Sorglos)→ | Visit Profi (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
03Coverage
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 (34) than the other private plans we compare
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
04Pricing
Pricing by Age
Monthly net premium by age group. No hidden fees.
Age GroupBasic (Sorglos)Profi (Premium)Recommended
up to 34 (months 1–12)€35.70 (€1.19/day)€52.50 (€1.75/day)
up to 34 (from month 13)~€50 (€1.65/day)~€65 (€2.15/day)
Fulfills insurance obligation
05Providers
More PKV providers
06FAQ
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 (€35.70/month) and Profi costs €1.75/day (€52.50/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.
Ready to Get Insured?
Check the latest terms and prices for HanseMerkur Young Travel on the provider's official website.
HanseMerkur Young Travelfrom €35.70/mo
Visit HanseMerkur