Travel health insurance for young people

Young Travel Health Insurance

No deductible
For trips up to 364 days
Calculation of premiums to the day

Calculate & Book

From
1.20 €
per day*

Quick access

Tariff overview
Benefits
Questions & Answers
Did you know?
Downloads
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Your benefits

World trip, semester abroad or Work & Travel? For all globetrotters under 39 years of age, we offer our international health insurance especially for young people. This means that you are optimally covered in the event of illness or accident while travelling. After all, anyone who needs to see a doctor or go to hospital on a trip abroad usually pays for medication and fees themselves. Not so with international health insurance: Young people do not pay a cent extra for medical treatment. Calculate your premium for travel worldwide now and benefit from the following:

* Price example, up to your 29th birthday, without USA/ Canada

Outpatient/inpatient treatments

Medications and surgical dressings

Return transport to Austria

Tariff overview

	Carefree	Recommendation Premium
Maximum trip duration	364 days	364 days
Scope of cover	Globally (optionally with/without USA & Canada)	Globally (optionally with/without USA & Canada)
Additionally insured items Extra-Benefits Pain-relieving dental treatment and repairs of dentures Return travel or extension costs due to hospital stay Hospitalisation for more than 5 days Preventive screening for cancer early detection Psychoanalytic treatments	-
Deductible	20 % *	–
Age limit	Tariff up to the 29th and 39th birthday	Tariff up to the 29th and 39th birthday
Optional: Additional package
Travel accident coverage
Travel liability insurance
Personal assistance

Price overview	Download PDF	Download PDF
Mode of payment	Once, monthly, quarterly, semi-annually or annually	Once, monthly, quarterly, semi-annually or annually
Sample price	from € 1.20 (per day, up to the age of 29, excluding USA/Canada)	from € 1.60 (per day, up to the age of 29, excluding USA/Canada)
	Calculate & book	Calculate & book

* If claims are not made to social/private insurance.

The most important benefits – at a glance

Travel health insurance

What´s covered	Carefree	Premium
out-patient medical treatment
out-patient medical treatment
Pain-relieving dental treatment
Pain-relieving dental treatment
Medicines and bandages
Medicines and bandages
Radiation therapy, light therapy, and other physical treatments
Radiation therapy, light therapy, and other physical treatments
Massages, compresses, inhalations and physiotherapy
Massages, compresses, inhalations and physiotherapy
Instruments prescribed
Instruments prescribed
X-ray diagnostics
X-ray diagnostics
Surgeries
Surgeries
In-patient medical treatment
In-patient medical treatment	up to € 300.000	100 %
medically necessary treatment for pregnancy and treatment during premature birth
medically necessary treatment for pregnancy and treatment during premature birth
transport by ambulance for in-patient treatment
transport by ambulance for in-patient treatment
Medically necessary return transport of patients
Medically necessary return transport of patients
Costs for an accompanying person in case of return transport of sick persons
Costs for an accompanying person in case of return transport of sick persons	up to € 2.500
Transfer/funeral costs
Transfer/funeral costs	up to € 10.000
Excess
Excess	20% (if the claims were not first asserted with social or private insurance)	-

Travel accident insurance

What´s covered	Carefree	Premium
Invalidity (from 5 %)
Invalidity (from 5 %)	€ 20.000	€ 60.000
Sum insured in the event of death
Sum insured in the event of death	€ 10.000	€ 20.000
Rescue costs
Rescue costs	€ 5.000	€ 15.000
Cosmetic surgery costs
Cosmetic surgery costs	€ 5.000	€ 10.000
Deductible
Deductible	None	None

Travel liability insurance

What´s covered	Carefree	Premium
Everyday liability risks
Everyday liability risks	€ 750.000	€ 1 Mio.
Liability claims for damage to rented property, per insured event up to
Liability claims for damage to rented property, per insured event up to	€ 10.000	€ 25.000
Loss of keys
Loss of keys	-	€ up to 250
Damage to the household of the host family
Damage to the household of the host family	€ 10.000	€ 25.000
Deductible
Deductible	None (except for: Damage to rented property and damage to the household of the host family)	None (except for: Damage to rented property and damage to the household of the host family)

Personal assistance insurance

What´s covered	Carefree	Premium
Travel call
Travel call
In criminal proceedings
In criminal proceedings
Assistance in cases of arrest and threat of arrest (loans)
Assistance in cases of arrest and threat of arrest (loans)	up to € 3.000	up to € 3.000
Penalty bond (loans)
Penalty bond (loans)	up to € 13.000	up to € 13.000
In case of loss of means of payment and documents
In case of loss of means of payment and documents
Loss of travel funds (loans)
Loss of travel funds (loans)	up to € 1.500	up to € 1.500
Help in case of loss of credit cards and debit or Maestro cards
Help in case of loss of credit cards and debit or Maestro cards
Loss of travel documents
Loss of travel documents
Help with rebookings/delays
Help with rebookings/delays
Guardian angel for your house (emergency repairs) and your vehicle (self-retention in case of damage to the shell)
Guardian angel for your house (emergency repairs) and your vehicle (self-retention in case of damage to the shell)	-	€ 500

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Questions and Answers

Who exactly is Young Travel health insurance suitable for?

Students, au pairs and others

Young Travel international health insurance is suitable for au pairs, students, scholarship holders, language students, doctoral students and people travelling on a Work & Travel basis who are planning a longer stay abroad. The maximum age for the insurance is 39 years.

By when do I have to take out international health insurance?

At any time before your stay abroad

You can take out the international health insurance for young people at any time before you start your stay abroad. Please note, however, that the rates are staggered for people up to their 29th birthday and for people up to their 39th birthday.

Can I extend the protection if I return home later?

Yes, upon request

You can apply for follow-up insurance policy before the end of the agreed expiry date. However, it is a prerequisite that the total insurance period does not exceed 364 days. Example: You have taken out a policy for 8 months – so an extension for a maximum of another 4 months is possible. Please contact our customer service directly at: service@hansemerkur.at

Can I terminate the contract early if I return early?

Yes, by notifying us

If you end your stay abroad prematurely, you can also terminate your contract earlier. To do this, send us written notification within 31 days of your departure date. The contract ends upon receipt of your notification by us.

What do I do if I fall ill abroad?

Information for emergencies

If you need medical treatment during your stay abroad and have to go to hospital, for example, you are comprehensively protected with Young Travel international health insurance. You can reach our 24-hour emergency call service around the clock by calling +43-1-3152444. After the underlying event for a claim has occurred, fill out the travel health insurance claim form and return it to us as soon as possible. Alternatively, you can also report your claim online using our online claim form If we require further documents than those requested in the form, we will contact you.

What does international health insurance cover ensure in the event of COVID-19?

Medical treatment costs including a COVID test

If the insured person falls ill with COVID-19 during the trip, HanseMerkur will cover all medical treatment costs including a COVID test carried out on the basis of clear symptoms.

Items not insured include:

The cost of a quarantine
Costs incurred on the basis of the mere presumption of COVID disease (test negative)
Cost of a COVID test to meet entry requirements
Costs if there was already a travel warning level 5 or 6 before departure

Further information on the Coronavirus

Did you know? Facts about international health insurance for young people

Why take it out?

Why is international health insurance useful for young people?

Whether it involves basic private care or an all-round carefree package – with our international health insurance for young people, you are protected for up to 364 days when travelling. It is particularly advisable to have travel health insurance outside the EU, as doctors and hospitals usually do not accept the Austrian e-card. As treatment costs abroad are often much more expensive than in Austria, you can quickly incur high costs, especially for inpatient stays. Save your travel funds and book our robust Young Travel health insurance from HanseMerkur.

Customise your protection

Customise your insurance cover

Whether it's a wave of flu on campus, a fall on a trekking tour or an accident with a rental car – our international health insurance for young people under 39 protects you from high costs in the event of a sudden illness. Put together your own individual insurance solution just the way you want it. Choose your international health insurance with basic benefits such as medical treatment and transport ("Carefree" plan) or including travel liability and accident insurance ("Premium" plan).