Insurances for foreign lecturers, students and interns in Germany

Not covered are:

• Travel abroad for professional reasons
• Treatments by alternative practitioners
• Childbirth, interruptions of pregnancy and examinations and treatments due to pregnancy
• Nutritional and tonic preparations, cosmetic preparations
• additional purchase of medicines during a trip
• new dental prosthesis including crowns, dental cosmetics, orthodontics and implantology
• Mental and emotional disorders, psychosomatic treatment
• Purchase 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 Foreign Office prior to travel. The terrorist attacks in Paris or Brussels do not count as war events).
• Accommodation caused by need of care or custody
• Spa and sanatorium treatments and rehabilitation measures
• Salvage costs
• Costs for PCR tests or antigen tests in connection with entry and exit from the country
• Costs of transporting a Covid contact to hospital (e.g., to a testing station to determine whether or not he or she is positive)
• Additional costs at the destination due to quarantine (longer stay in 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 escort to accompany the minor student(s) in the event of repatriation for further treatment in the home country

Not covered are:

• Failure of a student to transfer when it is not a school or class trip
• Fees incurred in obtaining foreign currency
• Failure to catch a flight due to a delayed shuttle bus. (additional costs for rebooking)
• Dangers of war, civil war or war-like events
• Unexpected inoculation intolerance in a relative, if the relative is not also insured.
• Pregnancy: if the mother of the minor insured is not insured
• Damage to property: if the damage is not substantial in relation to the economic condition or assets of the injured party
• Repetition of exams: If they do not have to be repeated in order to obtain an extension of school attendance/graduation. If the trip was booked after the date of failed exam. An early examination is also not insured
• If the trip is not taken due to the extension of a stay at a health resort
• If a) the mental illness already existed before the start of the trip (b) the treatment was not carried out by a specialist doctor
• a purely positive corona test (without symptoms)
• Administrative costs such as preparatory meetings held beforehand are not part of the travel price

Not covered are:

• Accidents caused by motorized vehicles, where the achievement of maximum speeds is important.
• Rescue costs (e.g. helicopter transport to the valley), due to altitude sickness)

Not covered are:

• Loss of third-party private apartment keys
  - If the keys were not lawfully in the custody of the insured person
  - If the damage amounts to up to 150 €
  - Consequential damage resulting from the loss of keys (e.g. burglary)
  - Keys to movable property, including safe and furniture keys, if the damage amounts to up to € 150
  - loss of keys from keys provided by the host school
• Keeping or use of motor vehicles, aircrafts or watercrafts which are subject to insurance
• Holding and use of a vehicle
• E-scooters (the holding or use of e-scooters subject to insurance is not insured)
• Third-party property that has been rented, leased, rented or borrowed
• Triggering of a false alarm at the fire department and police department
• Postage costs for sending bills
• Other damage to property

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

Not covered are:

• Borrowed musical instruments
• Cash
• Securities
• Tickets
• Deeds and documents of all kinds
• Items with predominant artistic or collector's value
• Contact lenses
• Prostheses of any kind
• Sailing equipment
• Hang gliders
• Land, air and water vehicles, in each case with accessories, if they are in intended use
• Furs, jewelry, objects made of precious metals as well as cameras, film cameras and video systems are not insured in unattended parked motor vehicles or trailers and in unattended water sports vehicles.
• dangers due to wars, strikes, confiscation
• dangers from the use of chemical, biological substances
• dangers from nuclear energy
• Leaving gifts or travel souvenirs lying, standing or hanging on the ground
• skis without factory number / rented or leased skis