Travel health insurance for young people

Young Travel

ApplicableMedical expenses cover
ApplicableFor trips up to 364 days
ApplicableWorldwide coverage

Your benefits

World trip, semester abroad or Work & Travel? For all young globetrotters, we offer international travel health insurance. You are optimally covered in the event of illness or accident while travelling. 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 for medical treatment. Calculate your premium for travel worldwide now and benefit from the following:

Outpatient/inpatient treatments

Medications and surgical dressings

Repatriation to Austria

24-hour emergency call service

Tariff overview

	Carefree	Premium
Maximum trip duration	Up to 93 or 364 days
Scope of cover	Europe / Wordwide(Worldwide 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	Not applicable	Applicable
Deductible	20 %(If claims are not made to social/private insurance)	Not applicable
Age limit	Up to the 31st birthday
Additional cover
Travel accident coverage	Applicable	Applicable
Travel liability insurance	Applicable	Applicable
Personal assistance	Applicable	Applicable
Luggage insurance	Not applicable	Applicable
Price overview	Download PDF	Download PDF
Sample price	from € 1.20 (per day, valid in Europe, up to the 31st birthday, minimum premium € 10) Calculate & book	from € 1.40 (per day, valid in Europe, up to the 31st birthday, minimum premium € 10) 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	Applicable	Applicable
Pain-relieving dental treatment
Pain-relieving dental treatment	Applicable	Applicable
Medicines and bandages
Medicines and bandages	Applicable	Applicable
Radiation therapy, light therapy, and other physical treatments
Radiation therapy, light therapy, and other physical treatments	Applicable	Applicable
Massages, compresses, inhalations and physiotherapy
Massages, compresses, inhalations and physiotherapy	Applicable	Applicable
Instruments prescribed
Instruments prescribed	Applicable	Applicable
X-ray diagnostics
X-ray diagnostics	Applicable	Applicable
Surgeries
Surgeries	Applicable	Applicable
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	Applicable	Applicable
transport by ambulance for in-patient treatment
transport by ambulance for in-patient treatment	Applicable	Applicable
Medically necessary return transport of patients
Medically necessary return transport of patients	Applicable	Applicable
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	Applicable
Transfer/funeral costs
Transfer/funeral costs	Applicable	Applicable
Excess
Excess	20% (if the claims were not first asserted with social or private insurance)	Not applicable

Travel accident insurance

What´s covered	Carefree	Premium
In case of invalidity
In case of invalidity	€ 20.000	€ 60.000
In case of death
In case of death	€ 10.000	€ 20.000
Rescue costs
Rescue costs	€ 20.000	€ 80.000
Cosmetic surgery costs
Cosmetic surgery costs	€ 5.000	€ 10.000
Deductible
Deductible	Not applicable	Not applicable

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	Not applicable	€ 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	Applicable	Applicable
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	Applicable	Applicable
Loss of travel documents
Loss of travel documents	Applicable	Applicable
Help with rebookings/delays
Help with rebookings/delays	Applicable	Applicable
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)	Not applicable	€ 500

Luggage insurance

What´s covered	Carefree	Premium
Damage and loss (by transporter), theft, damage in traffic accidents and damage caused by fire, explosion or elementary events
Damage and loss (by transporter), theft, damage in traffic accidents and damage caused by fire, explosion or elementary events	Not applicable	€ 3.500
Replacement purchases in case of luggage delay at destination
Replacement purchases in case of luggage delay at destination	Not applicable	€ 750

Questions and Answers

Who exactly is Young Travel health insurance suitable for?

Students, au pairs and others

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

At any time before your stay abroad

Can I extend the protection if I return home later?

Yes, upon request

What do I do if I fall ill abroad?

Information for emergencies

Discover the Mobile Pass

Never print insurance documents anymore – with the Mobile Pass you can digitally store contract data on your smartphone or tablet.

Mobile Pass

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

Why take it out?

Customise your protection

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 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 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).