Insurances for foreign lecturers, students and interns in Germany

Our Highlights

  • Health insurance
  • Comprehensive insurance packages
  • Worldwide coverage
  • Age limit up to 64 years

from 1,19 € per person

► book now

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Who needs lecturer insurance?

Which travel insurance is important?

What does the international health insurance cover?

Important information about travel insurance at a glance

Who needs lecturer insurance?

Experience has shown that foreign lecturers, fellows and trainees from universities and scientific institutes who stay in Germany for a longer period of time have numerous problems in the area of insurance against risks. Above all, insurance against the financial consequences of illness and accidents is often not optimally solved. In addition, the authorities require proof of the existence of health insurance in order to issue a residence permit.

What travel insurance does a foreign lecturer need in Germany?

Recommended travel insurance

Basic protection

Health insurance abroad

The most important travel insurance for lecturers, collegiate students and interns when traveling abroad is the international health insurance, which you can purchase here directly for the desired travel period and the participating person.

Benefits of the international health insurance (excerpt)

Insurance line Scope of insurance  
Health insurance abroad  
Medical expenses for outpatient and inpatient medical treatment  
Pain-relieving dental treatment  
Repatriation costs for further treatment in the home country if medically necessary and justifiable  
Repatriation costs in the event of death  


All-round insurance cover

Our insurance package

For comprehensive coverage during your trip, we recommend our insurance package with liability, accident, and legal protection insurance as an optimal supplement to the international health insurance. This allows you to enjoy your stay in Germany without worries. Simply book the property package when you take out the policy online.

Travel liability insurance

Travel liability insurance is absolutely recommended for foreign lecturers in order to protect themselves against claims for damages against third parties, which may arise from personal injury, property damage or financial loss. In Germany, these can be very high. The insurance can be taken out until the day of departure. The liability insurance covers the costs of damages caused by you for the duration of your stay.

Travel liability cannot be booked separately, it can only be taken out in conjunction with the property package if you have the appropriate travel insurance.

Travel accident insurance

Travel accident insurance is also included in our property package and basically works like private accident insurance. It provides financial compensation after accidents and also provides financial support in the event of disability, total disability or accidental death.

Legal expenses insurance

In Germany, legal disputes can incur immense costs, and legal expenses insurance covers lawyer's fees and court costs. Travel legal protection insurance cannot be booked separately, but only as part of the property package.

    Overview of services (excerpt)

    Line of insurance Scope of insurance  
    Travel liability insurance    
    personal injury and property damage 5 Mio.  
    financial loss 1 Mio.  
    damage to rented immovable property 500.000 €  
    damage to rented movable property 1.000 €  
    with deductible 50 € per insured event  
    loss of keys 2.000 €  
    with deductible 150 € per insured event  
    Travel accident insurance    
    Disability benefit 55,000 € (123,750 € in case of 100 % disability)  
    death benefit under 18 years 10.000 € / over 18 years 25.000 €  
    Daily hospital allowance with convalescence benefit 10 €  
    Rescue costs 5.000 €  
    travel legal protection    
    judicial and extrajudicial assertion of claims for damages  
    Defense in criminal proceedings or administrative offenses for labor and social law proceedings  
    Sum insured 1,000,000 €  

    Take out travel insurance for guest lecturers

    ► to the rate calculator

    What does the international health insurance cover?

    In the event of illness abroad, the international health insurance covers the following costs:

    • Hospitalisation and medication when travelling abroad.
    • Use of medical treatment (outpatient/inpatient)
    • costs for ambulance transport to treatment (hospital)
    • medically reasonable return transport of the patient to the home country
    • Dental services


    Important information about travel insurance for lecturers at a glance:

    • Insurance only for persons who are not older than64 years of age
    • insurance term up to 5 years only for persons who are not older than 34 years of age
    • the currently valid insurance tax is already included in the premiums (health insurance is tax-free)

    ► take out lecturer insurance now

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

    Important questions and answers

    What does the international health insurance not cover?

    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

    What does the travel cancellation insurance not cover?

    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

    What does the travel accident insurance not cover?

    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)

    What does the travel liability insurance not cover?

    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

    What should be considered in the event of a legal protection case?

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

    What does the luggage insurance not cover?

    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

    Paying when closing online

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    Convenient payment with:

    • SEPA direct debit
    • Invoice
    • Credit card
    • Giropay
    • Instant bank transfer
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