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Travel insurance for volunteers or a Voluntary Year of Social Service
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Voluntary Service/FSJ International Health Insurance
Bernhard SMART
Bernhard PRO
Term up to 5 years up to 5 years
Age limit up to 34 years up to 34 years
deductible 30,00 € per insured event None
Daily premium without USA/CAN 0,90 € 1,15 €
Daily premium incl. USA/CAN 1,70 € 2,20 €

Additional package

Optional

Optional
Emergency insurance + +
Liability insurance + +
Accident insurance + +
Legal expenses insurance + +
Travel luggage insurance - +
Premium per day/person 0,22 € 0,55 €
Luggage insurance flat rate for outward and return journey - -

Please note:

  • The person question must not be older than 34 years (if older please ask us directly)
  • The insurance must be effected before the begin of the journey
  • The insurance fulfils the official requirements according to the decision of the Council of the European Union of 22.12.2003 (also the Schengen Agreement).
  • The currently valid insurance tax is already included in the bonus (health insurance is tax free)
Voluntary Service/FSJ abroad property package

In addition to health insurance, we recommend our property package with accident, liability, legal protection and, if applicable, luggage insurance. A comprehensive rounding off of your insurance cover abroad. Simply add this to your online policy.

Brief overview: Voluntary Year of Social Service International Health Insurance (*Information)

Brief overview: Voluntary Year of Social Service International Health Insurance (*Information)

Health Insurance
Bernhard SMART
Bernhard PRO
Deductible 30,00 € per insurance case none
Outpatient medical treatments + +
X-ray diagnostics + +
Alternative practitioner services - +
Inpatient curative treatment + +
Outpatient psychoanalytic treatments - 1.000 €
(max. 5 sessions per year)
Medically necessary treatment during pregnancy caused by complaints + +
Accident-caused dentures 500 € 1.000 €
Pain-relieving dental treatment, fillings in one copy per insurance year 250 € 500 €
Medically prescribed medicaments and dressings + +
Return transport to home country medically sensible medically sensible
Accompanying person for patient return transport + +
Transfer or funeral costs up to 10.000 € 10.000 €
Visits to hospital for stays of more than 14 days - 1,000 €
Accident hospital daily allowance with recovery money per day

Brief overview: Voluntary Year of Social Service abroad package (*Information)

Brief overview: Voluntary Year of Social Service abroad package (*Information)

Bernhard SMART
Bernhard PRO

In case of sickness/accident and death

cost acceptance declaration 10.000 € 15.000 €
patient transport 1.000 € 2.500 €
Return transport of luggage - +
Return travel costs to home country in case of illness of family members - 1.000 €
Help with loss of credit cards and EC or Maestro cards + 2.500 €
Loss of travel documents + +
Help with transfer postings + +

accident insurance

Disability benefit up to 20.000 €
(123,750 € for 100% disability)
40.000 €
(180.000 € 100 % disability)
case of death 10.000 €
over 18 years 10.000 € under 18 years
20.000 €
over 18 years 10.000 € under 18 years
salvage costs 5.000 € 5.000 €

liability insurance

Sum insured lump sum for personal injury and damage to property 1 Mio. € 2,5 Mio. €
rental damages 10.000 € 25.000 €
( Deductible 20 % min.50 € per insured event)
key loss - 250 €
Deductible 20 % min. 50 € per insured event
deductible 25 €
per insured event
25 €
per insured event

Travel Baggage Insurance

3.000 €
all-inclusive for outward and return journey
2.000 €
for the entire travel time

legal expenses insurance

1.000.000 € 1.000.000 €

Policy conditions BERNHARD SMART abroad

Policy conditions BERNHARD PRO abroad

  Details  
Voluntary Service in Germany Health Insurance
Bernhard SMART
Bernhard PRO
Term up to 365 days up to 5 years
age limit up to 34 years
(tariff 35 - 64 years on request)
up to 34 years
Daily premium until the 12th month 1,19 € 1,69 €
as of the 13th month - 1,99 €

Additional package

Optional

Optional
Bernhard SMART
Bernhard PRO
Accident insurance + +
Liability insurance + +
Legal expenses insurance + -
Premium per day/personz 0,26 € 0,29 €

Please note:

  • The person question must not be older than 34 years (if older please ask us directly)
  • The insurance must be effected before the begin of the journey
  • The insurance fulfils the official requirements according to the decision of the Council of the European Union of 22.12.2003 (also the Schengen Agreement).
  • The currently valid insurance tax is already included in the bonus (health insurance is tax free)

Voluntary Service in Germany property package

In addition to health insurance, we recommend our property package with accident, liability, legal protection and, if applicable, luggage insurance. This is an optimal rounding off of your insurance cover for your stay in Germany. Simply add this to your online policy.

Brief overview: Voluntary Year of Social Service in Germany Health Insurance (*Information)

Brief overview: Voluntary Year of Social Service in Germany Health Insurance (*Information)

Bernhard SMART
Bernhard PRO
Age limit 34 to 64 years to 34 years
Outpatient medical treatment costs according to the scale of charges for doctors + +
X-ray diagnostics + +
Alternative practitioner services - +
Outpatient psychoanalytic treatments up to 5 sessions per year - 1.000 €
Inpatient curative treatment + +
Medically necessary treatment during pregnancy caused by complaints + +
Medically necessary treatment during pregnancy caused by complaints + +
pain-relieving dental treatment and repair of dental prosthesis up to max. 500 € 500 €
Restoration of the function of dentures to 50 % - 2.000 €
Accident-related dental prosthesis - 1.000 €
Return transport to the home country if medically reasonable and justifiable if medically useful
Accompanying person for patient return transport - +
Transfer or funeral costs up to € 25,000 € 10,000 €
Visiting a sick person during a hospital stay of more than 14 days - 1.000 €
Post-liability free of charge in case of inability to transport, max. for 90 days + +

Brief overview: Voluntary Year of Social Service in Germany package (*Information)

Brief overview: Voluntary Year of Social Service in Germany package (*Information)

Bernhard SMART
Bernhard PRO

accident insurance

disability benefit 55.000 €
(178.750 € 100 % disability)
55.000 €
(180.000 € 100 % disability)
case of death 25.000 €
over 18 years 10.000 € under 18 years
20.000 €
over 18 years 10.000 € under 18 years
salvage costs 5.000 € 5.000 €

liability insurance

Cover sum lump sum for personal injury and property damage up to the agreed sum insured 2,5 Mio. €
rental damages 500.000 €
in immovable property
25.000 €
deductible 20 % min. 50 € per insured event
key loss 2.000 €
deductible 150 € per insured event
250 €
deductible 20 % min. 50 € per insured event
Deportation costs for deportation ordered by the authorities - 5.000 €
deductible Non 25 € per insured event

legal expenses insurance

insured sum 1.000.000 € 1.000.000

Policy conditions BERNHARD SMART in Germany

Policy conditions BERNHARD PRO in Germany

  Details  

Volunteers Insurance - Travel Insurance for Volunteers

What insurance is important for volunteers?

Volunteer Work Abroad

Volunteer service or a Voluntary Year of Social Service abroad provides motivated young people with the opportunity to gain valuable experiences abroad.
A foreign travel health insurance, especially for non-European countries, should always be taken before you start your trip.

Voluntary service in Germany

Doing volunteer work in Germany is just as rewarding as everywhere else. There is a lot to discover and even more to learn.
To ensure that you have a carefree stay, you should definitly take out a sufficient health insurance policy before the start of your journey.

What travel insurance do I need when working as a volunteer abroad?
Graphic: What travel insurance do I need when working as a volunteer abroad?

Is there an insurance package with additional insurance?

Supplementary insurances offer a more comprehensive travel protection and can be booked in the package optionally to the foreign health insurance in addition:

Property package: Emergency, liability, accident and legal expenses insurance, as well as luggage insurance.

Simply add this package to your online booking!

What to consider with voluntary year insurance?

For whom: The voluntary social year insurance is for persons not older than 34 years.
(Older people can contact us directly in advance)

Duration:
Travel protection for young people up to 5 years abroad

Where to:
Travel protection can be chosen with or without protection for USA/Canada

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