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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.

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

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

In case of sickness/accident and death

cost acceptance declaration - 15.000 €
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 - +
Loss of travel documents - +
Help with transfer postings - +

accident insurance

Disability benefit up to 55.000 €
(123.750 € 100 % disability)
40.000 €
(180.000 € 100 % disability)
death
over 18 years 25.000 € 20.000 €
under 18 years 10.000 € 10.000 €
salvage costs 1.000 € 5.000 €

liability insurance

Cover sum lump sum for personal injury and property damage up to the agreed sum insured 2,5 Mio. €
key loss 2.000 €
deductible 150 €
250 €
deductible 20 % min. 50 € per insured event
Deductible per insured event none 25 €

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  
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.

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

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 + +

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

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

Accident, liability and legal expenses insurance
Bernhard SMART
Bernhard PRO
accident insurance
disability benefit 55.000 € (100 % disability 123.750 €) 40.000 € (100 % disability 180.000 €)
case of death 25.000 € over 18 years 20.000 € over 18 years
10.000 € under 18 years old 10.000 € under 18 years old
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 € of immovable property 25.000 €, deductible 20 % min. 50 € per insured event
key loss 2.000 €, disability 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 1.000.000 € 1.000.000 €

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 PRO in Germany

Policy conditions BERNHARD PRO in Germany

  Details  

Work and Travel insurance


Who needs Work and Travel insurance?

Travel insurance with worldwide coverage for au pairs, schoolchildren, language students, students, scholarship holders, interns, doctoral students and participants in Work & Travel programs. For Work and Travel in Australia, New Zealand, USA/Canada or elsewhere, as in Germany and other EU countries.

Why is Work and Travel Health Insurance important?

Work and Travel Abroad

With a Working Holiday Visa you have the opportunity to travel and work abroad. This is the best way to get to know the country and its people. In order to enjoy your Work & Travel stay without worries, an international health insurance is recommended, since the German health insurances do not cover all costs occurring abroad.

Work and Travel Germany

Would you like to work in Germany with your visa and travel at the same time? Unforeseen and suddenly acute illnesses can occur anywhere and at any time, so it is important to take out good insurance before departure. Health insurance is particularly important because it covers the costs of medical treatment in Germany.

What travel insurance do I need for Work and Travel abroad?

What travel insurance do I need for Work and Travel abroad?
Graphic: What travel insurance do I need for Work and Travel abroad?

Our property package - recommended addition to the Work and Travel health insurance:

Property package contains:  Liability, accident and legal expenses insurance, as well as baggage insurance.
Simply add this optional package to your online purchase to enjoy your work and travel stay abroad in a relaxed manner.

Notice:
In the event that you are unable to travel, we recommend that you take out additional travel cancellation insurance or travel interruption insurance in the event of premature termination. Information on when and why these supplementary insurances are worthwhile can be found on the respective pages.

What is important when taking out Work and Travel international health insurance?

Bernhard SMART: 
- The person question must not be older than 29 years
- The term of the international health insurance is a maximum of 365 days
- For Persons/Groups from Germany: Worldwide insurance cover
- For Persons/Groups from Abroad: Insurance cover in Germany/EU countries

Bernhard PRO: 
- The person question must not be older than 34 years
- Term of the international health insurance up to 5 years
- Worldwide insurance cover

Paying for online bookings

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