Price example, up to your 29th birthday, without USA/Canada
Travel health insurance for young people
Quick access
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:
Outpatient/inpatient treatments
Medications and surgical dressings
Return transport to Austria
24-hour emergency call service
Tariff overview
| Carefree | 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
| ||
| Deductible | 20 %(If claims are not made to social/private insurance) | |
| Age limit | Tariff up to the 29th and 39th birthday | Tariff up to the 29th and 39th birthday |
| 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, excl. USA/Canada)Calculate & book | from € 1.60 (per day, up to the age of 29, excl. USA/Canada)Calculate & book |
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.
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).
