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Exchange travel insurance
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Insurances for travel groups abroad or to Germany Standard Optimal
Health insurance abroad + +
Age group up to 34 years, premium per day/person 0,23 € 0,23 €
Age group 35 - 64 years, premium per day/person 0,46 € 0,46 €
Age group from 65 years, premium per day/person 0,92 € 0,92 €
Package includes: (with tick) Optional Optional
Liability insurance + +
Casualty insurance + +
Legal costs insurance + +
Travel luggage insurance - +
Age group up to 34 years, premium per day/person 0,26 € 0,54 €
Age group 35 - 64 years, premium per day/person 0,28 € 0,56 €
Age group from 65 years, premium per day/person 0,35 € 0,63 €
Optional additional liability cover for internship damages
Premium per day/person 0,12 € 0,12 €
Additional travel cancellation insurance
Age group up to 34 years, premium 2% from tour price
(max. 3000€ travel price per person)
2% from tour price
(max. 3000€ travel price per person)
Age group 35 - 64 years, premium 2% from tour price
(max. 3000€ travel price per person)
2% from tour price
>(max. 3000€ travel price per person)
Age group from 65 years, premium 2.8% from travel price
(max. 3000€ travel price per person)
2.8% from travel price
(max. 3000€ travel price per person)

Brief overview: Content of insurance for trips abroad or to Germany (*Information)

Brief overview: Content of insurance for trips abroad or to Germany (*Information)

Insurance line of business scope of insurance
Health insurance
Medical expenses for outpatient and inpatient treatment 100 %
if medically necessary and unavoidable
Analgesic dental treatment max. 500 €
(not for existing tooth damage)
repatriation costs for further treatment in the home country if medically reasonable and justifiable
Transfer costs in case of death up to 25.000 €
Travel liability insurance
Personal injury and property damage 5 million €
Damage to rented movable property 1,000 €
with excess 50 € per insured event
loss of keys 2.000 €
with excess 150 € per insured event
Optional liability additional cover for internship damages
Participation in job-specific internships
In the context of a course of study or Erasmus Plus program:
personal injury and property damage:
up to the agreed sum insured under liability insurance for personal injury and property damage
Other than of a course of study or Erasmus-Plus program:
Personal injury and property damage:
with a flat-rate sum insured of 10,000 € with a deductible of 100 € per insured event
Travel accident insurance
Disability benefit 55,000 €
(123,750 € for 100% disability)
Death benefit Under 18 years 10,000 €
/ Over 18 years 25,000 €
Hospital daily allowance with recovery money 10 €
salvage costs 5.000 €
Travel luggage insurance
Damages and losses due to transport, force majeure, theft, fire, water +
Ski breakage risk (except hired, borrowed or rented skis) +
Camping risk +
Sum insured general 3000 €
(can be increased on request)
Sum insured own musical instruments 1.000 €
Travel legal protection
judicial and extrajudicial assertion of claims for damages +
Defence in criminal proceedings or administrative offences for labour and social law proceedings +
Sum insured 1.000.000 €
Travel cancellation insurance
Note:
Must be completed at least 14 days prior to departure
Cancellation charges paid +
Return travel costs that exceed the travel price +

Policy conditions

NOTE: You can upload a list with all the participants (xls, xlsx, doc,pdf) that must contain at least surname, name, date of birth.

  Details  
Insurances for travel groups in Germany Standard Optimal
Package includes: (with tick)</</b> Optional Optional
Liability insurance + +
Casualty insurance + +
Legal costs insurance + +
Travel luggage insurance - +
Age group up to 34 years, premium per day/person 0,26 € 0,54 €
Age group from 35 - 64 years, premium per day/person 0,28 € 0,56 €
Age group from 65 years, premium per day/person 0,35 € 0,63 €
Optional additional liability cover for internship damages
Premium per day / person 0,12 € 0,12 €
Additional travel cancellation insurance + +
Premium from travel price 2%
from 65 years 2,8 %
(max. 3000€ travel price per person)
2%
from 65 years 2,8 %
(max. 3000€ travel price per person)

Brief overview: Content of insurance for trips within Germany (*Information)

Brief overview: Content of insurance for trips within Germany (*Information)

Insurance line of business scope of insurance
Travel liability insurance
Personal injury and property damage 5 million €
Damage to rented movable property 1,000 €
with excess 50 €
per insured event
Key loss 2.000 €
with excess of 150 € per insured event
Optional liability additional cover for internship damages
Participation in job-specific internships
In the context of a course of study or Erasmus Plus program:
personal injury and property damage:
up to the agreed sum insured under liability insurance for personal injury and property damage
Other than of a course of study or Erasmus-Plus program:
Personal injury and property damage:
with a flat-rate sum insured of 10,000 € with a deductible of 100 € per insured event
Travel accident insurance
Disability benefit 55,000 €
(123,750 € for 100% disability)
Death benefit 10,000 € under 18 years /
25,000 € over 18 years
Hospital daily allowance with recovery money 10 €
salvage costs 5.000 €
Travel luggage insurance
Damages and losses due to transport, force majeure, theft, fire, water +
Ski breakage risk (except hired, borrowed or rented skis) +
Camping risk +
Sum insured general 2.000 €
(can be increased on request)
Sum insured Valuables (camera, musical instruments, etc.) 1,000 €
Travel legal protection
Judicial and extrajudicial assertion of claims for damages +
Defence in criminal proceedings or administrative offences for labour and social law proceedings +
Sum insured 1.000.000 €
Travel cancellation insurance
Note:
Must be completed at least 14 days prior to departure
Payment of cancellation fees +
Return travel costs that exceed the travel price +

Policy conditions

NOTE: You can upload a list with all the participants (xls, xlsx, doc,pdf) that must contain at least surname, name, date of birth.

  Details  

Travel insurances for student exchange and youth travel groups travelling abroad or throughout Germany

Who is the student exchange insurance for?

For students and teenagers participating in an exchange, adequate insurance coverage throughout the trip is essential. This applies both to German groups travelling abroad and to foreign groups travelling to Germany.

For many years, BERNHARD has been offering cheap travel insurance for exchange measures for schools and young people in cooperation with the Landesjugendringen.

The student exchange insurance is especially for school groups and groups of teenagers from 5 persons.

Which insurances for student exchange?

A foreign health insurance is particularly important for every trip abroad. This covers additional costs arising from treatment or hospitalisation abroad. The same applies to a necessary repatriation from abroad for further treatment in the home country. 

An extended insurance property package also includes liability and accident insurance, legal expenses insurance and luggage insurance. An optional travel cancellation insurance protects against possible additional costs if the student exchange cannot take place as planned.

Please note:
Cancellation insurance must be taken out at least 14 days before the start of the trip.

Which travel insurance for student exchanges?
Graphic: Which travel insurance for student exchanges?

Further information on the coverage of the individual insurance policies can be found in the brief overview of the insurance content under "Details".

Important facts about our insurances at a glance:

  • Favourable travel insurance framework tariffs for all school exchange programs in cooperation with the Landesjugendringen
  • The insurance for exchange programs is designed for the special needs of exchange measures
  • It applies to German exchange programs at home and abroad, as well as to foreign participants travelling to Germany
  • The insurance applies to groups consisting of at least of 5 persons
  • The insurance duration can be up to 90 days
  • The travel insurance applies world-wide, except in war zones
  • The currently valid insurance tax is already included in the premiums (health insurance is tax-free)

Student exchange Germany/USA with the German American Partnership Program (GAPP)

You are planning a student exchange Germany/USA with the student exchange program GAPP?
Information about GAPP and the necessary insurance can be found here:

> Travel insurance student exchange GAPP ...


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