International insurance for students
What insurance do students need abroad?
If you are a student staying abroad for a longer period of time, you may need insurance that will protect you against possible damage while abroad. Here we introduce you to the most important international insurance policies for students.
Health insurance for students abroad
When staying abroad outside the EU, students always need international health insurance.
Statutory health insurance companies will only reimburse any treatment costs incurred if you are traveling in a country that is part of the EU or has concluded a social security agreement with Germany. You can get advice from our partner BARMER GEK about which countries are included and which services are specifically covered. In any case, you should get a foreign health certificate from your health insurance company; it can usually be downloaded without any problems. With this you are also protected abroad if the worst comes to the worst.
But additional international health insurance also makes sense within the EU, as statutory health insurance, for example, does not cover the costs of medical transport home. You can find out more about travel insurance conditions here .
allmaxx has concluded a group tariff with DKV for all members. Here you can calculate the offer that suits you directly.
Which insurance policies still make sense abroad?
You generally do not need to take out liability insurance separately, as your existing coverage also applies abroad. If in doubt, you can ask your insurance company again. This also works if you are still insured with your parents.
You only need accident insurance if the topic is important to you at home. Special insurance for abroad is not necessary.
Legal protection insurance can make sense because, if in doubt, you have fewer options to defend yourself against injustice abroad. The student legal protection insurance from allmaxx and DAS covers the most important legal areas, including abroad. The whole thing worldwide for up to one year, within Europe even for an unlimited period of time.
You can find more information here !
Household contents insurance is usually also valid abroad or when traveling. This is where the so-called external insurance comes into play. There is protection if, for example, your room, your apartment, etc. is broken into abroad. However, the sum insured is reduced compared to the insurance in your apartment. You can find the exact value in your insurance conditions. There is usually a maximum length of stay, which means that if you are abroad for longer than this period, there is no insurance cover.
With student household contents insurance from allmaxx, the full sum insured applies when studying within the EU and the maximum period of stay abroad is extended to a maximum of 1 year. You can find more information here .
If you are a student staying abroad for a longer period of time, you may need foreign insurance to protect you from possible damage.
