valid for all
Schengen trips
Health Insurance with
unlimited insured sum
from 1.70 € per day
Are you planning a stay in the Schengen Area for a maximum of one year and are looking for high-performance Schengen health insurance? Our Schengen medical insurance, providing coverage throughout the entire Schengen Area, is ideal for international guests traveling to Germany or Austria for stays of up to one year in Europe. The insurance meets the minimum requirements for a Schengen visa application and can be purchased with or without a Schengen visa.
Schengen health insurance coverage applies to all stays within the Schengen Area: private visits or vacations, educational stays such as a semester abroad at a European university or a language course in Europe, internships or vocational training, au pair stays with a host family in Europe, or business trips within the Schengen Area.
Coverage is provided with an unlimited sum insured for medical and emergency treatments—specifically including:
When taking out Schengen health insurance, you can add a supplementary insurance package including travel accident, travel liability, and baggage insurance. The confirmation required for submission to embassies or consulates is included in your insurance certificate.
| Schengen Health Insurance for stays in Europe up to 1 year | ||
| Valid for entries to Germany or Austria and subsequent stays in Schengen member countries as well as Andorra, Monaco, San Marino and Vatican. Not valid in your home country (permanent residence). | ||
| Benefits Schengen Health Insurance: | Type: | |
| Basic | Profi | |
| outpatient medical treatments: | ||
| costs of outpatient medical treatment | 100 % | 100 % |
| ambulance service | 100 % | 100 % |
| Check-Ups for the early detection of cancer diseases (per year, waiting period 6 months) | no | 300 € |
| Check-Ups for children | no | 100 % |
| in-patient medical treatments: | ||
| costs of in-patient medical treatment (standard room) | 100 % | 100 % |
| ambulance service | 100 % | 100 % |
| alternatively, daily allowance of up to 14 days, per day | 75 € | 75 € |
| dental treatments: | ||
| pain-relieving preservative dental treatments, simple fillings, repair of existing dental protheses | 500 € | 1,000 € |
| dental prosthesis with 80 % of the refundable invoice amount per insurance year | no | 1,250 € |
| preventive dental check-up per insurance year (waiting period 6 months) | no | 200 € |
| medicines, dressings, remedies or aids: | ||
| medication and dressing material | 100 % | 100 % |
| radiation therapy, light therapy and other physical treatments (per year) | 100 % | 100 % |
| massages, packs, inhalations, physiotherapy (per year) | 300 € | 100 % |
| accident-relates aids | 500 € | 100 % |
| repair of existing aids (per year) | no | 250 € |
| initial purchase of aids (per year) | no | 500 € |
| visual aids | no | 200 € |
| pregnancy: | ||
| examinations, treatment for complications, premature birth, miscarriage | 100 % | 100 % |
| preventive examinations and delivery | no | 100 % |
| repatriation, transfer, burial: | ||
| repatriation of the patient | 100 % | 100 % |
| repatriation to the home country of burial in Germay up to the costs of repatriation | 10,000 € | 1,.000 € |
| medical treatments in Germany: | ||
| Costs are covered costs up to the so-called threshold values of the effective German Scale of Medical Fees (Gebührenordnung für Ärzte, GOÄ) and the German Scale of Fees for Dentists (Gebührenordnung für Zahnärzte, GOZ). The following are deemed to be threshold levels for benefits (1) according to the GOZ, the 2.3-fold fee rate, (2) according to No. 437 and section M (laboratory services) of the GOÄ, the 1.15-fold fee rate, (3) according to sections A, E and O (technical operations) of the GOÄ the 1.8-fold fee rate, as well as (4) for all other benefits of the GOÄ, the 2.3-fold fee rate. | ||
| medical treatments in other Schengen member countries: | ||
| For your stay outside Germany, we reimburse you the following costs based on the currently applicable official fee schedule for doctors and dentists – if available – or based on the fees generally charged for similar medical care in the local area. | ||
| extension of insurance cover: | ||
| extension of insurance cover until the restoration of transportability (max. 3 months) | ||
| pre-existing conditions: | ||
| Deductible of 5,000 € in case of treatment of illnesses or injuries already existing during the past 6 months. Benefits limited to 30,000 €. | ||
| waiting period: | ||
| General waiting period of 31 days. No waiting period in case of insurance booking not later than 31 days after entry to Europe | ||
| deductible: 25 € per claim | ||
| Please note: | ||
| This is a packed list of insurance benefits. Please note that only the terms & conditions provided by the insurer are legally binding components of your insurance contract. | ||
| Schengen Accident Insurance for stays in Europe of max. 1 year | ||
| Insured events Schengen accident insurance: | ||
| damage to health caused by an accident | ||
| pulled muscles and torn ligaments | ||
| drowning or suffocation | ||
| Insured Sums: | Type : | |
| Basic | Profi | |
| In the event of disability | 20,000 € | 60,000 € |
| Progression in the event of disability exceeding 25% | 350 % | 350 % |
| In the event of death (adults) | 10,000 € | 20,000 € |
| In the event of death (children up to 18 years) | 5,000 € | 10,000 € |
| Rescue costs | 5,000 € | 10,000 € |
| Costs of cosmetic surgery | 5,000 € | 10,000 € |
| no deductible | ||
| Information: | ||
| This is a packed list of insurance benefits. Please note that only the terms & conditions provided by the insurer are legally binding components of your insurance contract. | ||
| Schengen Liability Insurance for stays in Europe of max. 1 year | ||
| Benfits Schengen liability insurance: | ||
| inspection of the liability query and settlement of justified claims | ||
| surety guarantee for annuities due | ||
| costs of a legal dispute | ||
| insured events: | Type: | |
| Basic | Profi | |
| Everyday liability risks | 1 Mio. € | 2.5 Mio. € |
| Liability claims for damage to rented property, per insured event | 10,000 € | 25,000 € |
| Damage to the household of the host family | 10,000 € | 25,000 € |
| Deportation costs | 1,000 € | 5,000 € |
| Loss of keys | no | 250 € |
| Damage to assets | no | 10,000 € |
| Professional liability | no | 25,000 € |
| Bad debt insurance | no | 10,000 € |
| deductibles: | ||
| Damage to rented property and deportation costs: 20 %, at least 50 €. Damages to the household of the host family, professional liability and bad debt insurance: 10 %, at least 200 €. | ||
| Information: | ||
| This is a packed list of insurance benefits. Please note that only the terms & conditions provided by the insurer are legally binding components of your insurance contract. | ||
| Schengen Luggage Insurance for stays in Europe of max. 1 year | ||
| Insured events Schengen baggage insurance: | ||
| damage to luggage handed over for safekeeping | ||
| exceedance of the delivery deadline for luggage (delivery not on the day of your arrival at the destination) | ||
| criminal act by third parties | ||
| damage in the case of transport accidents | ||
| damage caused by fire, explosion or elementary event | ||
| Insured sum: 2,000 € for each insured damage event. For the items specified below, compensation is limited to the following amounts: | Type: | |
| Basic | Profi | |
| Valuables | no | 50 % |
| Glasses, contact lenses, hearing aids and mobile phones (car phones are not insured), including accessories for the aforementioned items | no | 250 € |
| Golf and diving equipment, bicycles, including accessories for the aforementioned items | no | 750 € |
| Surfboards, windsurfing equipment, including accessories for the aforementioned items | no | 500 € |
| Musical instruments, including accessories (if taken on the trip for private purposes) | no | 250 € |
| IT equipment and electronic communication and entertainment systems, including accessories | no | 250 € |
| Emergency purchases due to overdue delivery of luggage | no | 500 € |
| Refund the value of the material in the case of films, video, sound and data media | no | yes |
| Administrative fees for identity cards, passports, motor vehicle documentation and other types of ID | no | yes |
| deductible: 50 € per claim | ||
| Travel luggage: personal travel necessities taken on the trip, as well as gifts and souvenirs acquired during the trip. Items that are normally intended only for professional purposes taken on or acquired during the trip are not insured. The present value of the items is insured. | ||
| Sports equipment incl. accessories (excluded: motors) is only insured as long as it is not being used within the scope of intended use. | ||
| Valuable items within the meaning of this provisions are furs, jewellery, items made of precious metals, photographic and film equipment, portable video systems, laptops and other electronic devices as well as mobile phones incl. accessories. | ||
| Information: | ||
| This is a packed list of insurance benefits. Please note that only the terms & conditions provided by the insurer are legally binding components of your insurance contract. | ||
| Schengen Travel Assistance Insurance for stays in Europe of max. 1 year | ||
| Benefits Schengen travel assistance insurance: | ||
| Insured Sums: | Type: | |
| Basic | Profi | |
| Return travel costs to home country in the event of a family member becoming ill | no | 1,000 € |
| Cancellation of trip or delayed return journey due to Illness, accident or death (loan for additional costs) | 100 % | 100 % |
| Cancellation of trip or delayed return journey due to abduction (loan for additional costs) | 10,000 € | 15,000 € |
| Assistance if detained or when at risk of being detained (loan) | 1,000 € | 2,500 € |
| Loan for bail | 10,000 € | 15,000 € |
| Loss of travel money (loan) | no | 500 € |
| Assistance when credit and debit or Maestro cards are lost | 100 % | 100 % |
| Loss of travel documents | 100 % | 100 % |
| Aid in case of rebooking or delays | 100 % | 100 % |
| no deductible | ||
| Information: | ||
| This is a packed list of insurance benefits. Please note that only the terms & conditions provided by the insurer are legally binding components of your insurance contract. | ||
| Premiums Schengen Health Insurance for stays in Europe of max. 1 year | ||||
| maximum age: 75 years(*) / premiums per day | ||||
| Health Insurance | ||||
| Basic | Profi | |||
| duration of stay: | up to 65 years | 66-75 years | up to 65 years | 66-75 years |
| up to 93 days | 1.70 € | 3.50 € | 2.50 € | 4.50 € |
| 94 - 365 days | 2.40 € | 8.60 € | 3.40 € | 12.70 € |
| min. premium | 10 € | 10 € | 15 € | 15 € |
| add. package: | Basic | Profi | ||
| 1 - 365 days | 0.27 € | 0.30 € | 0.60 € | 0.70 € |
| min. premium | 5 € | 5 € | 10 € | 10 € |
| (*) up to the 75th birthday. Additional package Basic: Travel assistance, accident & liability insurance Additional package Profi: Travel assistance, accident, liability & baggage insurance | ||||
Scope of coverage: All stays in the Schengen area from 1 day up to 1 year.
Age limit: 75 years
Insurance Purchase: At any time before or after departure to Europe.
If taken out after entry without seamless prior insurance coverage, a waiting period of 31 days applies.
Payment options: Credit card, PayPal, direct debit (only with a Euro account in a Eurozone country). Monthly installments are available at no extra cost.
Schengen Visa: All Schengen health insurance plans are suitable for the Schengen visa application process. The official confirmation for this is automatically included in your insurance policy.
Terms and Conditions:
Insurer: HanseMerkur
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