Incoming: Long-term Insurance for Foreign Students and Au Pairs

Cover is provided for accidents in the country of stay that lead to permanent disablement or death. We pay the costs for plastic surgery due to an accident up to € 10,000.

Sums insured:
Death € 10,000
Invalidity € 100,000

There are some risks, however, which are not covered by the Accident Insurance. Not included are accidents which you suffer during the practice of extreme sports such as rafting, free climbing, hang gliding or parachuting. For further information please read our insurance terms and conditions.

Cover is provided for liability risks (personal and property damage) during the insured stay in the host country. Cover does extend to personal liability for damage to the rented accommodation, rented furniture and fittings in the household of the host family up to a total of 2,500 EUR.

Limit of indemnity: € 1 million flat rate

There are some risks, however, which are not covered by the Personal Liability Insurance. Not insured, for instance, is any damage resulting from deliberate acts. For further information please read our insurance terms and conditions.

All our tariffs are without an excess.

We will pay for you the verified costs of deportation up to € 2,000.

Please note that the Insurance of Deportation Costs does not apply to any person entering the country illegally. For further information please read our terms and conditions of insurance.

The policy can be taken out at any time before the start of the insured stay.

Cover is provided, amongst others, for the following:

• Cancellation of the insured stay: We will reimburse the cancellation charges due by contract if you have to cancel the insured stay on account of an insured event.
• Delayed start of the insured stay: We will reimburse the verified additional costs of the outward journey and any unused travel services less costs of the outward journey if an insured event prevents you from commencing the trip as scheduled.
• Assistance services: We will provide you with information on travel warnings and safety notices, if requested.

Insured events are e.g.

• unexpected serious illness as well as deteriorations of already existing diseases if no medical treatment was necessary in the six month prior to taking out the insurance
• serious injury resulting from an accident
• death
• a date to donate or receive organs and tissue
• pregnancy
• loss or damage to property due to fire, burst pipes or natural events
• loss of employment as a result of unexpected dismissal by the employer for business reasons

Sum insured: Corresponds to the insured trip price (including school/tuition fees).

Our additional service for you: Medical Cancellation Advisory Team
Do you need to cancel your trip? If so, please use our special service in the Travel Cancellation Insurance.
Contact our telephone cancellation-advice center before you cancel your trip. Our staff will support you concerning your decision to cancel and will check whether it is possible to delay the cancellation without financial risk.

Cover is provided, amongst others, for the following:

• We will reimburse the pro rata travel price for unused travel services and the additional costs of the return trip if you have to curtail the insured stay prematurely due to an insured event.
• We will pay the pro rata travel price for unused travel services if your trip is interrupted because you require hospital treatment due to unexpected serious illness or serious injury after an accident.
• Assistance services: We will organise your unscheduled return journey.

Insured events are e.g.

• unexpected serious illness as well as deteriorations of already existing diseases if no medical treatment was necessary in the six month prior to the start of the insured stay
• serious injury resulting from an accident
• death
• breaking of prostheses and loosening of implanted joints
• loss or damage to property due to fire, burst pipes or natural events

Sum insured: Corresponds to the insured trip price (including school/tuition fees).

When booking the trip, however, at the latest 30 days before the planned start of the trip. When trips are booked within the period of 30 days before the scheduled start of the trip, the policy can only be taken out on the booking day or at the latest within the following 3 working days.

Cover is provided for the following:

In the event of serious illness or accident on the insured stay we will pay, amongst others, the costs of

• in-patient treatment in hospital including operations
• out-patient treatment, drugs, medicines and bandages
• dental treatment for the relief of pain
• medical treatment in the event of complications in pregnancy
• medically effective and reasonable return transport and the return of luggage from abroad to the habitual residence

The policy can be taken out at any time before the start of the insured stay.

All our tariffs are without an excess.