HanseMerkur
HanseMerkur Young Travel
Budget travel health insurance for young people — ideal for language courses, au pairs, and short-term stays in Germany
Başlangıç €36/mo–53/mo
1–60 months Süre
Germany + EU/Schengen Kapsam
✓ Vize Uyumlu
up to 35 Yaş Sınırı
Son güncelleme: March 20, 2026
Planınızı seçin
Mevcut Planlar
Kapsam seviyelerini karşılaştırın ve size uygun planı seçin.
Basic (Sorglos)
Başlangıç €36 /ay
- Muafiyet: €0
- Ayakta tedavi: 100% medically necessary treatment, no deductible
- Diş: Pain relief/fillings up to €250; accident prosthetics...
- Ruh sağlığı: Not covered
- Hamilelik: Pregnancy exams up to €250/year; complications and...
Recommended
Profi (Premium)
Başlangıç €53 /ay
- Muafiyet: €0
- Ayakta tedavi: 100% medically necessary treatment + preventive care, no...
- Diş: 100% pain relief covered; accident prosthetics up to...
- Ruh sağlığı: Psychotherapy up to €1,000/year (max 5 sessions...
- Hamilelik: Full pregnancy coverage (exams + delivery +...
Kapsam karşılaştırma
Plan Kapsamını Karşılaştır
Her planın neleri kapsadığını ayrıntılı görün.
| Özellik | Basic (Sorglos) | Recommended Profi (Premium) |
|---|---|---|
| Temel Kapsam | ||
| Ayakta Tedavi | 100% medically necessary treatment, no deductible | 100% medically necessary treatment + preventive care, no deductible |
| Yatarak Tedavi | 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) |
| İlaç | 80% reimbursement for prescribed medication | 100% reimbursement for prescribed medication |
| Muafiyet / Katılım Payı | €0 | €0 |
| Diş & Görme | ||
| Diş Bakımı | 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 |
| Diş Bütçesi | €250 (pain relief); €500 (accident prosthetics) | 100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics |
| Görme | Not covered | Not covered |
| Ek Avantajlar | ||
| Ruh Sağlığı | Not covered | Psychotherapy up to €1,000/year (max 5 sessions per insurance year) |
| Hamilelik & Doğum | Pregnancy exams up to €250/year; complications and premature birth covered | Full pregnancy coverage (exams + delivery + complications) |
| Teletıp | | |
| Geri Dönüş | | |
| Vize Uyumlu | | |
| Başvur Basic (Sorglos) → | Başvur Profi (Premium) → | |
Basic (Sorglos)
Profi (Premium) Recommended
Temel Kapsam
Ayakta Tedavi
100% medically necessary treatment, no deductible
100% medically necessary treatment + preventive care, no deductible
Yatarak Tedavi
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)
İlaç
80% reimbursement for prescribed medication
100% reimbursement for prescribed medication
Muafiyet / Katılım Payı
€0
€0
Diş & Görme
Diş Bakımı
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
Diş Bütçesi
€250 (pain relief); €500 (accident prosthetics)
100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics
Görme
Not covered
Not covered
Ek Avantajlar
Ruh Sağlığı
Not covered
Psychotherapy up to €1,000/year (max 5 sessions per insurance year)
Hamilelik & Doğum
Pregnancy exams up to €250/year; complications and premature birth covered
Full pregnancy coverage (exams + delivery + complications)
Teletıp
Geri Dönüş
Vize Uyumlu
Neler Kapsanıyor
Avantajlar ve kapsam detayları.
Dahil
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
Kapsam Dışı
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
Fiyatlar
Yaşa Göre Fiyatlar
Yaş grubuna göre aylık net prim. Gizli ücret yok.
Yaş Grubu 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)
Sigorta yükümlülüğünü karşılar
SSS
HanseMerkur Young Travel hakkında sık sorulan sorular
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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