HanseMerkur지금 신청
HanseMerkur Young Travel — 젊은 여행자용 여행 건강보험
젊은이들을 위한 저렴한 여행 건강보험 — 언어 과정, 오페어 및 독일 단기 체류에 이상적
부터 €36/mo–53/mo
~₩54,000/월1–60 months기간
Germany + EU/Schengen보장 범위
✓비자 충족
up to 35연령 제한
최종 업데이트: March 20, 2026
플랜 선택
이용 가능한 플랜
보장 등급을 비교하고 적합한 플랜을 선택하세요.
기본 (Sorglos)
부터€36/월
- 공제액: €0
- 외래: 100% medically necessary treatment, no deductible
- 치과: Pain relief/fillings up to €250; accident prosthetics...
- 정신건강: Not covered
- 임신: Pregnancy exams up to €250/year; complications and...
권장됨
전문가 (Premium)
부터€53/월
- 공제액: €0
- 외래: 100% medically necessary treatment + preventive care, no...
- 치과: 100% pain relief covered; accident prosthetics up to...
- 정신건강: Psychotherapy up to €1,000/year (max 5 sessions...
- 임신: Full pregnancy coverage (exams + delivery +...
보장 비교
플랜 보장 비교
각 플랜의 보장 내용을 상세히 확인하세요.
| 기능 | 기본 (Sorglos) | 권장됨전문가 (Premium) |
|---|---|---|
| 기본 보장 | ||
| 외래 진료 | 100% medically necessary treatment, no deductible | 100% medically necessary treatment + preventive care, no deductible |
| 입원 치료 | 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) |
| 약제비 | 80% reimbursement for prescribed medication | 100% reimbursement for prescribed medication |
| 공제액 / 본인부담 | €0 | €0 |
| 치과 및 시력 | ||
| 치과 치료 | 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 |
| 치과 예산 | €250 (pain relief); €500 (accident prosthetics) | 100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics |
| 시력 | Not covered | Not covered |
| 추가 혜택 | ||
| 정신건강 | Not covered | Psychotherapy up to €1,000/year (max 5 sessions per insurance year) |
| 임신 및 출산 | Pregnancy exams up to €250/year; complications and premature birth covered | Full pregnancy coverage (exams + delivery + complications) |
| 원격의료 | ||
| 본국 송환 | ||
| 비자 충족 | ||
| 신청기본 (Sorglos) → | 신청전문가 (Premium) → | |
기본 (Sorglos)
전문가 (Premium)권장됨
기본 보장
외래 진료
100% medically necessary treatment, no deductible
100% medically necessary treatment + preventive care, no deductible
입원 치료
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)
약제비
80% reimbursement for prescribed medication
100% reimbursement for prescribed medication
공제액 / 본인부담
€0
€0
치과 및 시력
치과 치료
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
치과 예산
€250 (pain relief); €500 (accident prosthetics)
100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics
시력
Not covered
Not covered
추가 혜택
정신건강
Not covered
Psychotherapy up to €1,000/year (max 5 sessions per insurance year)
임신 및 출산
Pregnancy exams up to €250/year; complications and premature birth covered
Full pregnancy coverage (exams + delivery + complications)
원격의료
본국 송환
비자 충족
보장 내용
혜택 및 보장 세부사항.
포함
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
미보장
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
요금
연령별 요금
연령대별 월 순보험료. 숨겨진 비용 없음.
연령대기본 (Sorglos)전문가 (Premium)권장됨
up to 35 (months 1–12)~€36 (€1.19/day)~₩542,000/월~€53 (€1.75/day)~₩798,000/월
up to 35 (from month 13)~€50 (€1.65/day)~₩752,000/월~€65 (€2.15/day)~₩978,000/월
보험 의무 충족
FAQ
HanseMerkur Young Travel — 젊은 여행자용 여행 건강보험에 대한 자주 묻는 질문
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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