Work and Travel Insurance: insurance package for working abroad or in Germany
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Work & Travel Abroad Health Insurance
Bernhard SMART
Bernhard PRO
Age limit max. 29 years max. 34 years
Term max. 365 days up to 5 years
Daily premiums without USA/CAN
  • for up to 12 months
1,19 € 1,15 €
  • from 13th month
- 1,40 €
Daily premium incl. USA/CAN
  • for up to 12 months
3,00 € 2,20 €
  • from 13th month
- 2,70 €
Additional package Optional Optional
Accident insurance + +
Liability insurance + +
Legal expenses insurance + +
Emergency insurance - +
Travel luggage insurance - +
Premium per day/person 0,26 € 0,55 €
Package baggage insurance additionally optional for outward and return journey up to 3.000 €. - -

Please note:

  • The person question must not be older than 34 years
  • The insurance must be effected before the begin of the journey
  •  The duration of the journey must not exceed the maximum of 5 years
  •  The currently valid insurance tax is already included in the bonus (health insurance is tax free)
Work & Travel abroad property package

In addition to health insurance, we recommend our property package with accident, liability, legal protection and, if applicable, luggage insurance. Simply add this to your online policy.

Kurzübersicht: Work & Travel im Ausland Krankenversicherung (*Hinweis) (Kopie 1)

Brief overview: Work & Travel abroad Health Insurance (*Information)

Bernhard SMART
Bernhard PRO
Outpatient medical treatments + +
X-ray diagnostics + +
Alternative practitioner services - +
Inpatient curative treatment + +
Outpatient psychoanalytic treatments - 1.000 €
(max. 5 sessions per year)
Pregnancy examinations per insurance year only for pregnancy arising during the insurance period +
Delivery after a waiting period of 8 months only for pregnancies arising during the insurance period +
Pain-relieving dental treatment, fillings in one copy per insurance year 500 € 500 €
50 % dental prosthesis (after 6 months waiting time) - 1.000 €
Accidental dental prosthesis 500 € 1.000 €
Medically prescribed medicaments and dressings + +
Return transport to home country medically sensible and justifiable medically sensible
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 €

Brief overview: Work & Travel abroad package (*Information)

Brief overview: Work & Travel abroad package (*Information)

Bernhard SMART
Bernhard PRO

Bei Krankheit/Unfall und Tod

Kostenübernahmeerklärung - 15.000 €
Rücktransport von Gepäck - +
Rückreisekosten ins Heimatland bei Erkrankung von Familienangehörigen - 1.000 €
Hilfe bei Verlust von Kreditkarten und EC- bzw. Maestro-Karten - +
Verlust von Reisedokumenten - +
Hilfe bei Umbuchungen - +

Unfallversicherung

Invaliditätsleistung bis 55.000 €
(123.750 € bei 100 % Invalidität)
40.000 €
(180.000 € bei 100% Invalidität)
Todesfall
über 18 Jahre 25.000 € 20.000 €
unter 18 Jahre 10.000 € 10.000 €
Bergungskosten 1.000 € 5.000 €

Haftpflichtversicherung

Deckungssumme pauschal für Personen- und Sachschäden bis zur vereinbarten Deckungssume 2,5 Mio. €
Schlüsselverlust 2.000 €
Selbstbehalt 150 €
250 €
Selbstbehalt 20 % mind. 50 € je Versicherungsfall
Selbstbehalt je Versicherungsfall keiner 25 €

Reise-Gepäckversicherung

3.000 €
pauschal für Hin- und Rückreise
2.000 €
für die gesamte Reisezeit

Rechtsschutzversicherung

1.000.000 € 1.000.000 €

Policy conditions BERNHARD SMART abroad

Policy conditions BERNHARD PRO abroad

  Details  
Work & Travel in Germany Health Insurance
Bernhard SMART
Bernhard PRO
Term up to 365 days up to 5 years
Age limit up to 34 years 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
Accident insurance + +
Liability insurance + +
Legal expenses insurance + +
Premium per day/person 0,26 € 0,29 €

Please note:

  • The person question must not be older than 34 years
  • The insurance must be effected before the begin of the journey
  • The duration of the journey must not exceed the maximum of 5 years
  • 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)
Work & Travel in Germany 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.

Kurzübersicht: Work & Travel in Deutschland Krankenversicherung (*Hinweis) (Kopie 1)

Brief overview: Work & Travel in Germany Health Insurance (*Information)

Work & Travel in Germany Health Insurance
Bernhard SMART
Bernhard PRO
Age limit up to 34 years up 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 + +
Examination and treatment for pregnancy and childbirth per insurance year only for pregnancies that occurred during the VS period 100 % after a waiting period of 8 months
Analgesic dental treatment and repair of dental prosthesis up to max. 500 € 500 €
Restoration of the function of dental prosthesis to 50 % - max. 2.000 €.
Accident-related dental prosthesis - max. 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 + +

Kurzübersicht: Work & Travel in Deutschland Sachpaket (*Hinweis) (Kopie 1)

Kurzübersicht: Work & Travel in Deutschland Sachpaket (*Hinweis)

Unfall-, Haftpflicht- und Rechtsschutzversicherung
Bernhard SMART
Bernhard PRO
Unfallversicherung
Invaliditätsleistung 55.000 € (bei 100 % Invalidität 123.750 €) 40.000 € (bei 100 % Invalidität 180.000 €)
Todesfall 25.000 € über 18 Jahre 20.000 € über 18 Jahre
10.000 € unter 18 Jahre 10.000 € unter 18 Jahre
Bergungskosten 5.000 € 5.000 €
Haftpflichtversicherung
Deckungssumme pauschal für Personen- und Sachschäden bis zur vereinbarten Deckungssume 2,5 Mio. €
Mietsachschäden 500.000 € an unbeweglichen Sachen 25.000 €, Selbstbehalt 20 % mind. 50 € je Versicherungsfall
Schlüsselverlust 2.000 €, Selbstbehalt 150 € je Versicherungsfall 250 €, Selbstbehalt 20 % mind. 50 € je Versicherungsfall
Abschiebekosten bei behördlich angeordneter Abschiebung - 5.000 €
Selbstbehalt Keine 25 € je Versicherungsfall
Rechtsschutzversicherung 1.000.000 € 1.000.000 €

Policy conditions BERNHARD PRO in Germany

Policy conditions BERNHARD PRO in Germany

  Details  

Travel insurance for work & travel: all-round carefree insurance package for your work abroad or in Germany

Work & Travel abroad

We have compiled an overview of our insurance rates and benefits. Find the ideal insurance package for you and effect your insurance directly online.

With a working vacation visa, you have the opportunity to travel and take on different kinds of jobs which is always a great opportunity to get to know a country and its people. For a carefree stay you should definitely take out a foreign trip health insurance (to ensure you have suffiecient health insurance abroad), as the German health insurance companies do only account for a limited amount of costs.

 

Please note:

The person in question must not be older than 34 years

The insurance must be effected before the begin of the journey

The duration of the journey must not exceed the maximum of 5 years

The currently valid insurance tax is already included in the bonus (health insurance is tax free)


Work and Travel in Germany

We have compiled an overview of our rates and services. Find the ideal insurance package and sign up for it directly online!

Do you plan on working in Germany (with a work visa) and travel at the same time? Unforeseen incidents, like a traffic accident or a family emergency can always occur. Therefore it is important to have sufficient insurance coverage. Health insurance is particularly important because it covers the cost of medical treatment abroad. 

 

Please note:

The person in question must not be older than 34 years

The insurance policy meets the regulatory requirements laid down in Decision of the Council of the European Union on 22.12.2003 (also the Schengen Agreement)

If the stay abroad is cut short, you will be charged for exact number of days you stayed in Germany

The currently valid insurance tax is already included in the bonus (health insurance is tax free)

 

 

 

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