High School Abroad
Insurance for a School Year Abroad
Insurance is a mandatory topic for every year abroad. Before making the commitment, check which benefits are included and what applies in the event of illness, accident, liability or repatriation.
Why insurance is important
You are not covered by German health insurance in the host country. Foreign health insurance covers doctor's visits, hospital stays and medication. Accident, liability and baggage insurance protects against financial risks in the event of accidents, damage and loss.
What insurance you need
- Health insurance: Covers medical treatment, medication, hospital stays. Costs vary depending on the country, duration, type of school, accommodation and scope of services.
- Accident insurance: Insurance in the event of accidents causing permanent damage.
- Liability insurance: Protects against damage you cause to others.
- Baggage insurance: Optional – protects if luggage is lost or stolen.
How to find the right policy
Compare offers from different providers. Pay attention to the insurance period, scope of benefits, deductibles and exclusions. Many organizations offer insurance packages tailored to years abroad. Check whether existing insurance (e.g. private health insurance) can be expanded abroad.
Frequently Asked Questions
Is insurance mandatory?
Yes. To apply for a Visa, you need proof of sufficient international health insurance. Accident and liability insurance are also strongly recommended.
How long does the insurance have to be valid?
The insurance must cover the entire duration of the program. Plan extra days for arrival and departure.
Can I use existing insurance?
Some private health insurance policies cover stays abroad. However, check whether the coverage is sufficient and which countries are included.
What about dental treatments?
Not all foreign health insurance policies cover dental treatment. Check whether this is possible as an additional service.
What counts for the decision
- Insurance should always be viewed with an eye on everyday life, school, budget and return.
- Students need a solution that appears linguistically, socially and personally accessible.
- Parents need understandable information about care, safety, responsibilities and planning.
For further planning this fits: Security, Visa, For parents.
Related Topics
What Makes Sense Now
If you would like to clarify the next steps, we will sort out the countries, duration, budget, accommodation and any outstanding parental questions together.