up to 5 years
Schengen-Area!
Health Insurance with
unlimited insured sum
from 2.40 € per day
Are you preparing for a long-term stay in Europe and looking for high-performance Schengen health insurance? This long-term medical insurance for international guests entering Germany or Austria for stays of several years offers comprehensive coverage for necessary medical treatments and emergency care due to illness, accident, dental pain, or pregnancy, including preventive services. Coverage applies throughout the entire Schengen Area and is frequently booked for semesters abroad at European universities, research stays, guest professorships, au pairs, or exchange students. It covers private visits as well as educational or professional stays within the Schengen zone.
The insurance benefits are comprehensive and provide excellent health coverage:
When taking out your Schengen health insurance, you can add a supplemental insurance package including travel accident insurance, travel liability insurance, and baggage insurance. The confirmaion for submission to embassies or consulates is included in your insurance certificate.
| Schengen Health Insurance for stays in Europe up to 5 years | ||
| 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 Health Insurance: | Product Type: | |
| Basic | Profi | |
| Stays in Germany: Outpatient medical treatment in accordance with the fee schedule set out at GOÄ acc. no. 437 and section M (laboritory services) up to | 1.15-fold | 1.15-fold |
| Stays in another country covered: according to the fee schedule set or up to | 100 % | 100 % |
| Stays in Germany: Outpatient medical treatment in accordance with the fee schedule set out at GOÄ acc. sections A, E and O (technical services) up to | 1.8-fold | 1.8-fold |
| Stays in another country covered: according to the fee schedule set or up to | 100 % | 100 % |
| Stays in Germany: Outpatient medical treatment in accordance with the fee schedule set out at GOÄ for all remaining services | 2.3-fold | 2.3-fold |
| Stays in another country covered: according to the fee schedule set or up to | 100 % | 100 % |
| Dental treatment for pain relief in accordance with the fee schedule set out in GOZ (stays in Germany) or acc. to fee schedules set in other countries, per insured year | 500 € | 1.000 € |
| Medications and surgical dressings | 100 % | 100 % |
| Radiation therapy, light therapy and other physical treatments | 100 % | 100 % |
| Massages, compresses, inhalations and physiotherapy | 300 € | 100 % |
| Therapeutic aids following an accident | 500 € | 100 % |
| Aids (if agreed by the insurer in advance), per insurance year | no | 500 € |
| Visual aids | no | 200 € |
| Operations | 100 % | 100 % |
| In-patient medical treatment under general care insurance (multiple-bed room) without optional services (treatment by private doctor) | 100 % | 100 % |
| Screening check-ups for early detection of cancers, per insurance year | no | 300 € |
| Screening check-ups for children in accordance with the statutory programmes introduced in Germany | no | 100 % |
| Up to 80% of the cost for medically required dentures, per insurance year (6 months waiting period) | no | 1,250 € |
| Dental check-ups, per policy year (6 months waiting period) | no | 200 € |
| Medically necessary pregnancy treatment due to acute complaints | 100 % | 100 % |
| Pregnancy examinations and deliveries (6 months waiting period) | no | 100 % |
| Ambulance transport to in-patient treatment | 100 % | 100 % |
| Medical return transport, if medically desirable | 100 % | 100 % |
| Medical treatments due to pre-conditions unexpectedly becoming acute | yes | yes |
| Repatriation of mortal remains to the home country or funeral in the Federal Republic of Germany | 10,000 € | 10,000 € |
| Follow-up liability until restoration of ability to travel for up to | 3 months | 3 months |
| Deductible: 25 € per insured event | ||
| 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 Accident Insurance for stays in Europe up to 5 years | ||
| Insured events Schengen Accident Insurance: | ||
| damage to health caused by an accident | ||
| pulled muscles and torn ligaments | ||
| drowning or suffocation | ||
| Insured Sums: | Product 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 up to 5 years | ||
| Benefits 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: | Product 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 Baggage Insurance for stays in Europe up to 5 years | ||
| Insured events Schengen Travel 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: | Product 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 up to 5 years | ||
| Benefits Schengen Travel Assistance Insurance: | ||
| Insured Sums: | Product 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. 5 years | ||||
| maximum age: 75 years(*) / premiums per day | ||||
| Schengen Health Insurance | ||||
| Basic | Profi | |||
| duration of stay: | up to 65 years | 66-75 years | up to 65 years | 66-75 years |
| up to 5 years | 2.40 € | 8.60 € | 3.40 € | 12.70 € |
| add. packages: | Basic | Profi | ||
| up to 5 years | 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 5 years.
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:
For entries to Germany or Austria and subsequent stays in the Schengen Area of maximum 5 years.
This Schengen health insurance offers an unlimited insured sum.
Insurer: Advigon
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