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International Health Insurance for foreigners in Germany and travelers from Germany abroad
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German guests abroad Health insurance (foreign health insurance) up to 18 years 19 to 34 years 35 to 64 years from 65 years
Term up to 1 year up to 1 year up to 1 year up to 1 year
Daily premium without USA/CAN 0,99 € 0,99 € 1,15 € 2,10 €
Daily premium incl. USA/CAN 2,50 € 2,50 € 3,10 € 4,20 €
Term over 1 year
up to 5 years
over 1 year
up to 5 years
over 1 year
up to 5 years
over 1 year
up to 5 years
Daily premium without USA/CAN up to max. 75 years 1,50 € 2,97 € 2,97 € 11,87 €
Daily premium incl. USA/CAN up to max. 75 years 3,60 € 5,93 € 5,93 € 23,73 €

Additional package

Optional

Optional

Optional

Optional
Term up to 1 year up to 1 year up to 5 years up to 1 year
Accident insurance + + +
Liability insurance + + +
Daily premium: Duration up to 1 year 0,20 € 0,20 € 0,29 €
Optional additional liability cover for internship
Premium per day 0,12 € 0,12 € -

Emergency insurance
+
Liability insurance +
Accident insurance +
Travel luggage insurance +
Daily premium: Duration over 1 year to 5 years 0,49 €
Term 1 to 5 years
Online booking term 1 to 5 years

 

 

Online insurance for German guests abroad

Please note:

  • maximum term is 1 year
  • Exact billing on the day of early return journey
  • Contribution differences according to age group
  • The currently valid insurance tax is already included in the premiums (health insurance is tax-free)
German Guests abroad property package

With accident, liability and luggage insurance, you round off your travel insurance cover and create the basis for a relaxed holiday. Simply add our property package to your online policy!

Brief overview: German guests abroad Health insurance (foreign health insurance)

Brief overview: German guests abroad Health insurance (foreign health insurance)

German guests abroad Health insurance (foreign health insurance) up to 18 years 19 to 34 years 35 to 64 years about 65 years
Duration to 1 year to 1 year to 1 year to 1 year
Daily premium without USA/CAN 0,99 € 0,99 € 1,15 € 2,10 €
Daily premium incl. USA/CAN 2,50 € 2,50 € 3,10 € 4,20 €
term over 1 year
up to 5 years
over 1 year
up to 5 years
over 1 year
up to 5 years
over 1 year
up to 5 years
Daily premium without USA/CAN up to max. 75 years 1,50 € 2,97 € 2,97 € 11,87 €
Daily premium incl. USA/CAN up to max. 75 years 3,60 € 5,93 € 5,93 € 23,73 €

Additional item package

Optional

Optional

Optional

Optional
Duration to 1 year to 1 year to 1 year to 1 year
accident insurance + + + +
Liability insurance + + + +
Daily premium: Duration up to 1 year 0,20 € 0,20 € 0,19 € 0,29 €
Optional liability additional cover for internship damages
Premium per day 0,12 € 0,12 € -
emergency insurance- - - + -
Liability insurance + + + +
accident insurance + + + +
Travel luggage insurance- - - + -
Daily premium: duration over 1 year to 5 years 0.49 € 0.49 € 0.49 € 0.49 €

Brief overview: German Guests abroad package (*Information)

Brief overview: German guests abroad package

up to 18 years up to 34 years 35 to 64 years from 65 years

accident insurance

+ + + +
Disability benefit up to 55.000 € (123.750 € 100 % disability 55.000 € (123.750 € for 100 % disability 40.000 € (140.000 € for 100 % disability) 55.000 € (123.750 € for 100 % disability case of death
salvage costs 5.000 € 5.000 € 5.000 € 5.000 €

liability insurance

+ + + +
flat rate for personal injury and property damage 5 Mio. € 5 Mio. € 2,5 Mio. € 5 Mio. €
Liability insurance Rental property damage to immovable property 500.000 € 500.000 € 25.000 € 500.000 €
key loss risk 2.000 €
deductible 150 €
2.000 €
deductible 150 €
250 € 2.000 €
deductible 150 €

Optional additional liability cover for internship damages

in the context of a course of study or Erasmus Plus programme: personal injury and damage to property up to the agreed sum insured under liability insurance for personal injury and damage to property up to the agreed sum insured under liability insurance for personal injury and damage to property - -
Outside of studies or Erasmus-Plus programme: personal injury and damage to property with a flat-rate sum insured of 10,000 Euros with a self-retention of 100 Euros per insured event with a flat-rate sum insured of 10,000 Euros with a deductible of 100 Euros per insured event - -

Luggage insurance for the entire journey

- - 2.000 € -

emergency insurance

- - + -
in case of illness, accident, death
cost acceptance declaration 15.000 €
patient transport 2.500 €
Luggage return +
Travel expenses to home country in case of illness of family members 1.000 €
Help with threat of arrest and imprisonment (loan) 2.500 €
Loan with penalty deposit 15.000 €
Loss of travel funds 2.500 €
Loss of travel documents +
Deviations for tariffs up to 5 years
( from 1 year to 5 years)
the conditions of the tariff for 35 to 64 years are valid the conditions of the tariff for 35 to 64 years are valid no changes the conditions of the tariff for 35 to 64 years are valid

Policy conditions - Guests abroad up to 1 year

Policy conditions - Guests abroad 35 to 64 years

Policy conditions - Guests abroad over 1 year

  Details  
Foreign guests in Germany Health insurance SMART PRO
Health insurance + +
Term up to 1 years up to 5 years
Daily premium up to 18 years of age 0,99 € 1,83 €
Daily premium 19 to 34 years 0,99 € 3,30 €
Daily premium 35 to 64 years 1,25 € 3,30 €
Daily premium from 65 years of age 2,10 € 12,20 €
(max. up to 75 years)

Additional package

Optional

Optional
Accident insurance + +
Liability insurance + +
Legal expenses insurance + +
Daily premium up to 18 years of age 0,26 € 0,23 €
Daily premium 19 to 34 years 0,26 € 0,26 €
Daily premium 35 to 64 years 0,28 € 0,26 €
Daily premium from 65 years of age 0,35 € 0,36 €
(max. up to 75 years)
Online insurance for foreign Guests in Germany

Please note:

  • This insurance fulfils official requirements, including those of the Schengen Agreement
  • maximum term is 1 year
  • Contribution differences according to age group
  • The currently valid insurance tax is already included in the premiums (health insurance is tax-free)
Foreign Guests in Germany property package

To ensure that your stay is as carefree as possible, we recommend our property package with liability, accident and legal expenses insurance in addition to health insurance. Simply add this package to your online booking.

Brief overview: Foreign Guests in Germany Health Insurance (*Information)

Brief overview: Foreign Guests in Germany Health Insurance (*Information)

SMART PRO.
Age limit no age limit
Outpatient medical treatment costs according to the scale of charges +
X-ray diagnostics +
Inpatient medical treatment in the general nursing class incl. operations and patient transport to the nearest hospital +
Pregnancy examination and treatment, delivery after 8 months waiting time -
Preventive medical check-ups (6 months waiting time) -
Pain-relieving dental treatment as well as repairs of dental prostheses up to max. 500 €
Medically prescribed medicaments and dressings +
Return transport to the home country if medically reasonable and justifiable
Transfer or funeral costs up to € 25,000 €
Visual aids per year -

Brief overview: Foreign Guests in Germany package (*Information)

Brief overview: Foreign Guests in Germany package (*Information)

accident insurance

+ +
disability benefit 55.000 €
(123.750 € 100 % disability)
25.000 €
( from 90 % disability 50.000 €)
case of death 25.000 €
over 18 years 10.000 € under 18 years
5.000 €
salvage costs 5.000 € -

liability insurance

+ +
Lump sum for personal injury and property damage up to the agreed sum insured 1,5 Mio. €
Damage to immovable property caused by hiring 500.000 € -
key loss 2.000 €
deductible 150 € per insured event
-

legal expenses insurance

+ +
sum insured 1.000.000 € 1.000.000 €

Policy conditions - Guests in Germany SMART

Policy conditions - Guests in Germany PRO

  Details  

Travel health insurance for foreign guests in Germany and german guests abroad: International health insurance

As a guest abroad - why a international health insurance?

Comprehensive international health insurance should be an integral part of any holiday planning. Because only adequate insurance cover guarantees you a carefree stay abroad. With our premiums, we offer you all-round travel cover.

For whom is the international health insurance important?

For Germans travelling abroad, an international health insurance is by far the most important supplementary insurance, since the German health insurance funds do not cover all costs abroad.

For foreign guests travelling to Germany
, the international health insurance is just as important so that the costs in the case of medical treatment in Germany are covered in any case.

What travel insurance do I need as a guest abroad?

To ensure that your holiday abroad as a guest can be as relaxed as possible, we recommend in addition to international health insurance our property package with liability, accident and legal expenses insurance, as well as luggage insurance.
Simply add this package to your online booking!

For internships, there is also an optional additional liability cover for internship damages. You can additionally choose this insurance cover up to the age of 34.

Note: Don't forget to apply for a visa in time!

What travel insurance do I need as a guest abroad?
Graphic: What travel insurance do I need as a guest abroad?

What is important when taking out health insurance for abroad?

The term of the international health insurance is a maximum of 1 year. Depending on the age group there are different contributions.

For German guests travelling abroad
- duration of 1 to 5 years with an additional package:
> Online booking duration 1 to 5 years for german guests

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