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

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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

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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 than 64 years of age
  • insurance term up to 5 years only for persons who are not older than 34 years ofage
  • the currently valid insurance tax is already included in the premiums (health insurance is tax-free)

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