Harvest worker insurance: Insurance for harvest workers & seasonal workers
Fast & affordable cover from day one

Seasonal workers with foreign nationality up to the age of 70 who are only staying in Germany temporarily (e.g. harvest workers, stable workers, farm workers, catering assistants, construction workers, care workers) can be insured.

The insurance should be taken out before entering Germany. In exceptional cases, it is possible to take out the insurance within 10 days of entering the country.

Cover begins on the date stated in the insurance policy, at the earliest after conclusion of the contract and payment of the premium.

The insurance contract must be concluded for the entire duration of the stay. In the case of follow-up insurance within the maximum insurance period, the originally agreed contract period can only be extended if the follow-up insurance was submitted to the insurer before the original insurance contract expired. In the event of an extension, insurance cover is only provided for the insured events that occurred after the application for follow-up insurance was submitted.

Subsequent insurance beyond 91 days is not possible with harvest worker insurance.

The contract can be terminated prematurely on the day of departure. To do this, HanseMerkur requires a brief written notification within 14 days of the end of the trip about the date of departure. We will then terminate the contract and refund the excess premium collected. As of 01.01.2013, the minimum premium is EUR 5.00 per registration form. Premium refunds will also be made from this amount per registration form.

An employee is employed on a short-term basis if the employment is limited in time in advance. For a calendar year, the time limit is three months (for a 5-day week) or 70 working days (for less than 5 working days per week).

• EU citizens: can work as harvest workers in Germany at any time. They have the same status as German employees and do not require a work permit.
• Third countries: Employment is only possible if there is a placement agreement between Germany and the respective country.
• Georgia: Placement takes place exclusively via the International Placement Services (ZAV) of the Federal Employment Agency.
• Western Balkan states (until 31.12.2023): Seasonal workers from Albania, Bosnia and Herzegovina, Kosovo, Macedonia, Montenegro and Serbia can obtain a residence permit for any employment (except temporary work). The prerequisite is a binding job offer and compliance with all legal visa requirements.

It protects against claims for damages by third parties, e.g. if personal injury or property damage is caused. It also covers certain damage to rented property or loss of keys.

• Personal injury and property damage: up to € 5 million
• Financial losses: up to € 1 million
• Damage to rented property: up to € 500,000 (immovable) or € 1,000 (movable)
• Loss of keys: € 2,000

In the event of permanent disability, death, rescue costs or daily hospital benefits.

• Disability: up to €55,000 (€123,750 for 100% disability)
• Death: up to € 25,000
• Rescue costs: €5,000
• Daily hospital benefit with convalescence allowance: €10 per day