Travel insurances for students from abroad

Germany is no longer only highly attractive as a tourist destination, but also attracts more and more young students. A lot of them come to Germany to gain experience, to learn a new language or to broaden the horizon. German universities have an excellent reputation.

Insurance coverage is a very important topic for foreign students coming to Germany as well as German students studying abroad. If you want to study in Germany carelessly, you need a comprehensive insurance package for your stay.

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Benefits of Travel Insurances

  1. In case of sickness and injuries: Immediate help
  2. Cost coverage for medical help and medically advisable repatriation to the home country
  3. First aid in emergency situations twenty-four-seven
  4. Salvage and hospitalisation costs
  5. Replacement of expensive goods in your baggage

Studying Germany

Why do I need a travel insurance to study in Germany?

Since 01 April, 2007 Germany has a compulsory health insurance. This means that everyone who wants to stay in Germany must have a health insurance policy. Citizens of the Schengen States are protected in Germany via the European Health Insurance Card. Those arriving from a country that is not part of the Schengen Agreement, have to look for a health insurance for their stay in Germany in advance. Student coming from a country a non-Schengen country must prove their travel insurance when applying for visas. The Federal Foreign Office provides information and lists Schengen and not-Schengen countries.

The Most Important Questions:

There are three major risk factors, you should pay attention to:

  • costs occurring due to illness (for example hospitalization and treatment costs)
  • costs resulting from a liability (for example the loss of a key or damage in a rented apartment)
  • costs which occur after to an accident and are not covered by health insurances (for example special rescue costs in the mountains)

Even if one does not think about such circumstances while studying in Germany, they still might happen. At any accidents can happen which cause wounds or diseases that need treatment. Without proper protection that would be a huge cost issue that especially students should look at.

A travel accident insurance would be worth considering, because you can never predict what can possibly happen during your stay in Germany. By taking out a travel accident insurance you make sure to get the optimal care in case of accidents and even in the worst case you are on the safe side.

If you are a student housed in dormitories, hotels or you live with a host family, you should also consider to take out a travel liability insurance. This liability insurance pays for damages such as breaking an expensive vase or damage to the equipment at the hotel or rented apartment.

Before taking out such a travel liability insurance you should check if you are not insured through the domestic liability insurance of your parents. However, one should note that many ordinary liability insurance offer only limited protection when abroad.

Whether a baggage insurance is worthwhile depends on the individual case. If you consider bringing expensive goods such as laptops or cameras with, you should consider a baggage insurance. Here it is very important to note that only limited sums are insured for such expensive devices.

Visitors from abroad need a good travel insurance for their holiday in Germany. Covomo therefore recommends to compare prices and also benefits of an insurance. This will help you with finding the right insurances for your vacation, since the benefits of the insurances as well as the prices differ from contract to contract.

If you want to be completely safe you should go for a so-called all-round carefree package. These do not only offer a travel health insurance, they also include cancellation, interruption and baggage insurances. For most insurance companies, the desired components can be adjusted with a modular system individually.

Moreover, booking a complete package in most cases is much less expensive. In addition to that the insurance coverage of the all-round carefree package offers even more advantages. In case of damage, the policyholder has one contact person only, who is usually available around the clock on an emergency call service. This insurance package would also help the insured person with costs resulting from the loss of cash and travel documents.

In order to apply for a visa in Germany, a health insurance has be taken out before leaving your home country. This is especially important for students coming from non-Schengen countries. But due to some insurers asking for a permanent address in the country where you are travelling to (in Germany), non-Schengen students might therefore not be able to get a German insurance before arriving. It is possible to take out a domestic health insurance from an insurance company in your home country (since you need one to get your visa) and after arriving in Germany, you can change your insurance with a German health insurance.

We would therefore recommend getting a Travel Health Insurance in your home country before applying for your visa, because looking for a German health insurance after your arrival might be troublesome and time consuming.  Covomo will help you finding the right insurances that are best for your needs and circumstances, which is especially helpful for students.

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Student Insurances

Important Travel Insurances for Students

If you want to enjoy your stay carelessly, your health care protection should be comprehensive. Health care insurances include in any case a 100 percent reimbursement for outpatient and inpatient treatment, prescribed medicines, medical aids and pain-relieving dental treatments.

The repatriation to your home country is another important factor that you should consider. The cost of repatriation should be covered by your insurance if repatriation to the home country appears to be medically reasonable.

If the insurance holder dies in Germany, the travel health insurance covers either transfer costs to the home country or burial in Germany. For this purpose, at least 10,000 Euros should be covered.

The travel liability insurance covers physical injury and property damage, which the insurance holder inflicts upon others. Furthermore, most insurance companies also cover resulting financial losses of others. Liability insurances also include passive legal protection and if the claims against you do not seem reasonable, the insurer will also take care of defending you in front of a court.

Comprehensive cost coverage, an emergency-call-service and the cost coverage of damage to rented properties should all be included in a liability insurance.

Looking at different insurances and not only looking for the cheapest one, but also the insurance offering the best service, should be done by yourself well before starting your trip. The market for insurances is full with tariffs differing in price and performance, comparing them will pay off. Moreover, before taking out your own insurance, you should check if your parents’ insurance does cover your studying time in Germany. Your semester abroad might be included, depending on the policy details of your parents’ liability insurance.

A travel accident insurance is very import for your semester in Germany. A lot of students underestimate the value of such an insurance, since hurting yourself or getting involved in accident can happen very quickly. Of course there is the travel health insurance that would pay for medical treatments or hospitalisation. But if your accident creates salvage costs or if you suffer from a permanent injury after your accident, the only insurance that will give you support is the travel accident insurance.

The most important part of this insurance, which should therefore be checked beforehand, is the lump-sum payment in the event of disability. In addition, checking payments in the case of death and accident annuities is also recommendable. With these components included in your insurance package, you can enjoy your au pair time in Germany carelessly.

We recommend taking out a baggage insurance, not only for business travellers, but for any traveller who wants to feel secure in the event that his or her baggage is damaged, destroyed or completely los. For this reason, the baggage insurance is most suitable for those who are traveling with valuable devices like laptops, smartphones or jewellery. But it is important to note that coverage for valuable objects is limited, these sums differ greatly between insurance companies.

An online insurance comparison helps to find the right insurance coverage for the upcoming trip for every case. Comparing test results can be very important since the cheapest insurance does not necessarily fir for every student coming to Germany.

Student Insurances in a nutshell

  • In April 2007 Germany introduced legislation demanding health insurances from everyone inside the country
  • Foreign students from countries that do not belong to the Schengen Agreement need a visa and a residence permit to study in Germany
  • Students need a comprehensive protection to protect themselves against high costs
  • covomo.com will help students with finding the right insurance coverage

How can I get an insurance now?

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Here is what our customers say:

“I am quite happy that covomo offers the optimal insurance for me, since I am working abroad regulary.”
Till Heimlich
“Many thanks to the covomo team. I am now looking forward to travelling with my two little children. Everything was very uncomplicated.”
Lis Hannemann-Strenger
“I have found and took out the insurance for my semester abroad in South Africa through covomo”
Tobias Gaertner