The insurance is aimed at:

• German students and groups participating in an exchange program abroad
• Foreign students and groups traveling to Germany
• Students traveling alone
• Groups of 5 or more people with the same destination and travel period
• Group exchange programs up to a maximum of 90 days

► Select tariff

Not insured are

• Work-related trips abroad
• Treatments by alternative practitioners
• childbirth, interruption of pregnancy and examinations and treatment due to pregnancy
• Nutritional and tonic preparations, cosmetic preparations
• Repurchase of medication during a trip
• New dentures including crowns, dental cosmetics, orthodontics and implantology
• Mental and psychological disorders, psychosomatic treatment
• Acquisition of aids, e.g. glasses, contact lenses, insoles, prostheses, bandages, forefoot relief shoe
• Illnesses/accidents as a result of pandemics or foreseeable war events, attempted suicide, addiction, alcohol, drugs (war events are foreseeable if there is a warning from the Federal Foreign Office before the start of the trip. The terrorist attacks in Paris or Brussels do not count as war events)
• Accommodation due to the need for care or custody
• Cure and sanatorium treatments and rehabilitation measures
• Rescue costs
• Costs for PCR tests or antigen tests in connection with entry and exit
• Costs for the transportation of a Covid contact person (e.g. to a testing station to determine whether they are positive or not)
• Additional costs at the travel destination due to quarantine (longer stay in the accommodation, flight rebooking costs, etc.) because the travel time has to be extended and the infected person or contact person flies back later
• Costs for an adult accompanying the adult accompanying the minor student in the event of repatriation for further treatment in the home country

Travel accident insurance
Not insured:

• Accidents involving motorized vehicles when reaching maximum speeds
• Rescue costs (e.g. helicopter transportation to the valley due to altitude sickness)

Travel liability insurance
The following are not insured

• Loss of someone else's private apartment keys
  • if keys were not lawfully in the custody of the insured person
  • if the loss amounts to up to € 150
  • Consequential damage from loss of keys (e.g. burglary)
  • Keys to movable property (e.g. safe/furniture keys) if the loss amounts to €150 or less
  • Loss of keys provided to the host school
• Keeping or use of motor vehicles, aircraft or watercraft subject to compulsory insurance
• Holding or use of vehicles in general
• Holding or use of e-scooters subject to compulsory insurance
• Damage to third-party property that has been rented, leased, leased or borrowed
• Triggering a false alarm for the fire department and police
• Postage costs for sending invoices
• Other damage to property

Luggage insurance
Not insured:

• Borrowed musical instruments
• Cash, securities, tickets, certificates and documents of all kinds
• Items with a predominantly artistic or collector's value
• Contact lenses and prostheses of any kind
• Sail-surfing equipment and hang gliders
• Land, air and water vehicles including accessories in intended use
• Furs, jewelry, precious metal objects as well as photo, film and video equipment in unattended parked vehicles/trailers or unattended water sports vehicles
• Dangers due to wars, strikes, confiscation
• Dangers from chemical/biological substances or nuclear energy
• Leaving gifts or souvenirs lying around, standing or hanging up
• Skis without a factory number and rented/leased skis

Note: Only the contents and wording of the insurance policy and the insurance conditions are legally binding.

The costs of medically necessary and medically prescribed return transportation to the home country are covered (§ 1 AVB Krankenversicherung).

Note: Only the contents and wording of the insurance policy and the insurance conditions are legally binding.

Yes, pain-relieving dental treatment as well as simple fillings and repairs of temporary restorations are also insured (§ 1 AVB Krankenversicherung). Dental prostheses, implants or treatment of existing dental damage are not insured (§ 2 AVB Krankenversicherung).

Note: Only the contents and wording of the insurance policy and the insurance conditions are legally binding.

Yes, according to the conditions (§ 2.9 AUB), travel accident insurance covers the costs of

• Search, rescue and recovery operations by public or private rescue services, even if the accident was only imminent or suspected,
• transportation to the nearest hospital or specialist clinic, if medically prescribed,
• the additional costs of returning to the place of residence as well as additional travel or accommodation costs for accompanying children and partners,
• repatriation costs in the event of death or, alternatively, burial abroad.

Costs are not reimbursed if another service provider (e.g. health insurance) is already liable to pay benefits - in this case, accident insurance only pays the remainder.

Note: Only the contents and wording of the insurance policy and the insurance conditions are legally binding.

Yes, if the key risk has been expressly included in the insurance. Then the cover includes

• Loss of other people's private keys or keys provided by the employer/principal (including master keys or electronic access cards),
• Costs for lock replacement, locking systems, temporary security (e.g. emergency lock) and, if applicable, property protection for up to 14 days.

Not insured are

• Consequential damage resulting from the loss of keys (e.g. burglary),
• keys to movable property (e.g. safe or furniture keys),
• loss of keys to owner-occupied buildings or buildings for which professional care has been assumed.

The maximum benefit is € 2,000 per claim, less a deductible of € 150.

Note: Only the contents and wording of the insurance policy and the insurance conditions are legally binding.

There is no excess for legal protection insurance. The maximum sum insured is 1 million euros.

Note: Only the contents and wording of the insurance policy and the insurance conditions are legally binding.