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HanseMerkur Young Travel — страховка для молодых путешественников
Доступное страхование для молодых путешественников — идеально для языковых курсов, работников по обмену и краткосрочных пребываний в Германии
От €36/mo–53/mo
~₽3 600/мес1–60 monthsСрок
Germany + EU/SchengenПокрытие
✓Соответствует визе
up to 35Возрастное ограничение
Последнее обновление: March 20, 2026
Выберите тариф
Доступные тарифы
Сравните уровни покрытия и выберите подходящий тариф.
Базовый (Sorglos)
От€36/мес.
- Франшиза: €0
- Амбулаторное: 100% medically necessary treatment, no deductible
- Стоматология: Pain relief/fillings up to €250; accident prosthetics...
- Психотерапия: Not covered
- Беременность: Pregnancy exams up to €250/year; complications and...
Рекомендуется
Профессиональный (Premium)
От€53/мес.
- Франшиза: €0
- Амбулаторное: 100% medically necessary treatment + preventive care, no...
- Стоматология: 100% pain relief covered; accident prosthetics up to...
- Психотерапия: Psychotherapy up to €1,000/year (max 5 sessions...
- Беременность: Full pregnancy coverage (exams + delivery +...
Сравнение покрытия
Сравнение покрытия тарифов
Узнайте, что именно покрывает каждый тариф.
| Функция | Базовый (Sorglos) | РекомендуетсяПрофессиональный (Premium) |
|---|---|---|
| Базовое покрытие | ||
| Амбулаторное лечение | 100% medically necessary treatment, no deductible | 100% medically necessary treatment + preventive care, no deductible |
| Стационар | 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) |
| Медикаменты | 80% reimbursement for prescribed medication | 100% reimbursement for prescribed medication |
| Франшиза / Доплата | €0 | €0 |
| Стоматология и зрение | ||
| Стоматология | 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 |
| Стоматологический бюджет | €250 (pain relief); €500 (accident prosthetics) | 100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics |
| Зрение | Not covered | Not covered |
| Дополнительные услуги | ||
| Психотерапия | Not covered | Psychotherapy up to €1,000/year (max 5 sessions per insurance year) |
| Беременность и роды | Pregnancy exams up to €250/year; complications and premature birth covered | Full pregnancy coverage (exams + delivery + complications) |
| Телемедицина | ||
| Репатриация | ||
| Соответствует визе | ||
| ОформитьБазовый (Sorglos) → | ОформитьПрофессиональный (Premium) → | |
Базовый (Sorglos)
Профессиональный (Premium)Рекомендуется
Базовое покрытие
Амбулаторное лечение
100% medically necessary treatment, no deductible
100% medically necessary treatment + preventive care, no deductible
Стационар
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)
Медикаменты
80% reimbursement for prescribed medication
100% reimbursement for prescribed medication
Франшиза / Доплата
€0
€0
Стоматология и зрение
Стоматология
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
Стоматологический бюджет
€250 (pain relief); €500 (accident prosthetics)
100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics
Зрение
Not covered
Not covered
Дополнительные услуги
Психотерапия
Not covered
Psychotherapy up to €1,000/year (max 5 sessions per insurance year)
Беременность и роды
Pregnancy exams up to €250/year; complications and premature birth covered
Full pregnancy coverage (exams + delivery + complications)
Телемедицина
Репатриация
Соответствует визе
Что покрывается
Детали льгот и покрытия.
Включено
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
Не покрывается
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
Цены
Цены по возрасту
Ежемесячная нетто-премия по возрастным группам. Без скрытых платежей.
Возрастная группаБазовый (Sorglos)Профессиональный (Premium)Рекомендуется
up to 35 (months 1–12)~€36 (€1.19/day)~₽36 120/мес~€53 (€1.75/day)~₽53 180/мес
up to 35 (from month 13)~€50 (€1.65/day)~₽50 170/мес~€65 (€2.15/day)~₽65 220/мес
Соответствует страховой обязанности
FAQ
Часто задаваемые вопросы о HanseMerkur Young Travel — страховка для молодых путешественников
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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