Harvest workers insurance: Insurance for harvest helper and seasonal workers

a) Persons up to their 65th birthday with foreign citizenship who are only temporarily staying in the Federal Republic of Germany as seasonal workers;

b) persons with German citizenship, if they have had their permanent residence abroad for more than two years and are only temporarily staying in Germany as seasonal workers.

The application for the conclusion of an insurance contract is possible within 14 days after entry into Germany. The date of entry must be proven upon request. After expiry of the 14-day period, the conclusion is no longer possible.

Insurance coverage begins on the day of entry, at the earliest on the day following receipt of the application by the insurer. A further prerequisite is the payment of the premium owed.

The insurance contract must be concluded for the entire duration of the stay. In the case of a 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 case of extension, insurance cover is only provided for the insured events that occurred after the application for the follow-up insurance.

Follow-up insurance beyond 91 days is not possible.

The contract can be terminated prematurely on the date of departure. For this purpose, HanseMerkur requires a short written notification within 14 days after the end of the trip about the date of departure. We will then terminate the contract and refund the excess premium collected. From 01.01.2013 the minimum premium is 5,- EUR per registration sheet. Premium refunds will also be made from this amount per declaration sheet.

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