HanseMerkur
HanseMerkur Young Travel
Budget travel health insurance for young people — ideal for language courses, au pairs, and short-term stays in Germany
起 €36/mo–53/mo
1–60 months 保障期限
Germany + EU/Schengen 保障范围
✓ 符合签证要求
up to 35 年龄限制
最后更新: March 20, 2026
选择您的计划
可用计划
比较保障等级，选择适合您的计划。
Basic (Sorglos)
起 €36 /月
- 免赔额: €0
- 门诊: 100% medically necessary treatment, no deductible
- 牙科: Pain relief/fillings up to €250; accident prosthetics...
- 心理健康: Not covered
- 孕产: Pregnancy exams up to €250/year; complications and...
Recommended
Profi (Premium)
起 €53 /月
- 免赔额: €0
- 门诊: 100% medically necessary treatment + preventive care, no...
- 牙科: 100% pain relief covered; accident prosthetics up to...
- 心理健康: Psychotherapy up to €1,000/year (max 5 sessions...
- 孕产: Full pregnancy coverage (exams + delivery +...
保障对比
比较计划保障
逐项查看各计划的保障内容。
| 功能 | Basic (Sorglos) | Recommended Profi (Premium) |
|---|---|---|
| 基本保障 | ||
| 门诊治疗 | 100% medically necessary treatment, no deductible | 100% medically necessary treatment + preventive care, no deductible |
| 住院治疗 | 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) |
| 药品 | 80% reimbursement for prescribed medication | 100% reimbursement for prescribed medication |
| 免赔额/自付 | €0 | €0 |
| 牙科与视力 | ||
| 牙科护理 | 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 |
| 牙科预算 | €250 (pain relief); €500 (accident prosthetics) | 100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics |
| 视力 | Not covered | Not covered |
| 附加保障 | ||
| 心理健康 | Not covered | Psychotherapy up to €1,000/year (max 5 sessions per insurance year) |
| 孕产保障 | Pregnancy exams up to €250/year; complications and premature birth covered | Full pregnancy coverage (exams + delivery + complications) |
| 远程医疗 | | |
| 遣返 | | |
| 符合签证要求 | | |
| 申请 Basic (Sorglos) → | 申请 Profi (Premium) → | |
Basic (Sorglos)
Profi (Premium) Recommended
基本保障
门诊治疗
100% medically necessary treatment, no deductible
100% medically necessary treatment + preventive care, no deductible
住院治疗
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)
药品
80% reimbursement for prescribed medication
100% reimbursement for prescribed medication
免赔额/自付
€0
€0
牙科与视力
牙科护理
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
牙科预算
€250 (pain relief); €500 (accident prosthetics)
100% pain relief + €2,000 accident prosthetics + €2,000/year ongoing prosthetics
视力
Not covered
Not covered
附加保障
心理健康
Not covered
Psychotherapy up to €1,000/year (max 5 sessions per insurance year)
孕产保障
Pregnancy exams up to €250/year; complications and premature birth covered
Full pregnancy coverage (exams + delivery + complications)
远程医疗
遣返
符合签证要求
保障内容
保障与福利详情。
已涵盖
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
不涵盖
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
价格
按年龄定价
按年龄段的月净保费，无隐藏费用。
年龄段 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)
满足保险义务
常见问题
关于 HanseMerkur Young Travel 的常见问题
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.
准备好投保了吗？
立即申请 HanseMerkur Young Travel，几分钟内获得保障。