| Work & Travel Abroad Health Insurance | ||
|---|---|---|
| Age limiT | max. 29 years | max. 34 years |
| Term | max. 365 days | up to 5 years |
| Daily premiums without USA/CAN | ||
|
1,19 € | 1,15 € |
|
- | 1,40 € |
| Daily premium incl. USA/CAN | ||
|
3,00 € | 2,20 € |
|
- | 2,70 € |
| Insurance package = optional bookable | Optional | Optional |
| Accident insurance (included in package) | + | + |
| Liability insurance (included in package) | + | + |
| Legal expenses insurance (included in package) | + | + |
| Emergency insurance (included in package / Bernhard PRO only) | - | + |
| Travel luggage insurance (included in package / Bernhard PRO only) | - | + |
| Premium per day/person | 0,26 € | 0,55 € |
| Package luggage insurance for outward and return journey up to 3.000 € = optional | - | - |
Please note:
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.
| 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 € |
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 € |
Leistungsübersicht (kurz)
Produktinformation
Krankenversicherung
Haftpflichtversicherung
Unfallversicherung
Rechtsschutzversicherung
Merkblatt Datenverarbeitung
Kundeninformation
Informationspflichten
Haftpflicht-Zusatz für Praktikumsschäden
| Work & Travel in Germany Health Insurance | ||
|---|---|---|
| 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 € |
| Daily premium as of the 13th month | - | 1,99 € |
| Insurance package = optional bookable | ||
| Accident insurance (included in package) | + | + |
| Liability insurance (included in package) | + | + |
| Legal expenses insurance (included in package) | + | + |
| Premium per day/person | 0,26 € | 0,29 € |
Please note:
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.
| Work & Travel in Germany Health Insurance | ||
|---|---|---|
| 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 | + | + |
| Accident, liability and legal expenses insurance | ||
|---|---|---|
| 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 € |
Leistungsübersicht (kurz)
Produktinformation
Krankenversicherung
Haftpflichtversicherung
Unfallversicherung
Rechtsschutzversicherung
Merkblatt Datenverarbeitung
Kundeninformation
Informationspflichten
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.
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.
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.
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
Secure payment with verified SSL connection 
- Direct debit
- Bank transfer
- Credit card (Mastercard / VISA / American Express)
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