{"id":354,"date":"2026-06-24T21:42:56","date_gmt":"2026-06-24T19:42:56","guid":{"rendered":"http:\/\/s776899100.online.de\/insurance\/"},"modified":"2026-06-25T07:48:30","modified_gmt":"2026-06-25T05:48:30","slug":"insurance","status":"publish","type":"page","link":"https:\/\/schooluniverse.de\/en\/insurance\/","title":{"rendered":"Insurance for a School Year Abroad"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_0 et_pb_row et_block_row\"><div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><section class=\"aia-section aia-hero aia-hero--versicherung\">\n<div class=\"aia-hero__inner\">\n<p class=\"aia-eyebrow\">High School Abroad<\/p>\n<h1>Insurance for a School Year Abroad<\/h1>\n<p>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.<\/p>\n<div class=\"cta-button-row cta-button-row--white\">\n<a class=\"cta-button cta-button--secondary-white\" href=\"https:\/\/schooluniverse.de\/\/en\/book-consultation\/\">Arrange insurance<\/a><br \/>\n<a class=\"cta-button cta-button--outline-white\" href=\"https:\/\/schooluniverse.de\/\/en\/high-school-abroad\/\">Explore Programs<\/a>\n<\/div>\n<\/div>\n<\/section>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_1 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_1 et_pb_row et_block_row\"><div class=\"et_pb_column_1 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><section class=\"aia-section aia-content-section\">\n<h2>Why insurance is important<\/h2>\n<p>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.<\/p>\n<\/section>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_2 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_2 et_pb_row et_block_row\"><div class=\"et_pb_column_2 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><section class=\"aia-section aia-content-section\">\n<h2>What insurance you need<\/h2>\n<ul>\n<li><strong>Health insurance:<\/strong> Covers medical treatment, medication, hospital stays. Costs vary depending on the country, duration, type of school, accommodation and scope of services.<\/li>\n<li><strong>Accident insurance:<\/strong> Insurance in the event of accidents causing permanent damage.<\/li>\n<li><strong>Liability insurance:<\/strong> Protects against damage you cause to others.<\/li>\n<li><strong>Baggage insurance:<\/strong> Optional \u2013 protects if luggage is lost or stolen.<\/li>\n<\/ul>\n<\/section>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_3 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_3 et_pb_row et_block_row\"><div class=\"et_pb_column_3 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_3 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><section class=\"aia-section aia-content-section\">\n<h2>How to find the right policy<\/h2>\n<p>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.<\/p>\n<\/section>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_4 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_4 et_pb_row et_block_row\"><div class=\"et_pb_column_4 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_4 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><section class=\"aia-section aia-content-section\">\n<h2>Frequently Asked Questions<\/h2>\n<div class=\"faq-block\">\n<details>\n<summary>Is insurance mandatory?<\/summary>\n<p>Yes. To apply for a Visa, you need proof of sufficient international health insurance. Accident and liability insurance are also strongly recommended.<\/p>\n<\/details>\n<details>\n<summary>How long does the insurance have to be valid?<\/summary>\n<p>The insurance must cover the entire duration of the program. Plan extra days for arrival and departure.<\/p>\n<\/details>\n<details>\n<summary>Can I use existing insurance?<\/summary>\n<p>Some private health insurance policies cover stays abroad. However, check whether the coverage is sufficient and which countries are included.<\/p>\n<\/details>\n<details>\n<summary>What about dental treatments?<\/summary>\n<p>Not all foreign health insurance policies cover dental treatment. Check whether this is possible as an additional service.<\/p>\n<\/details>\n<\/div>\n<\/section>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_5 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_5 et_pb_row et_block_row\"><div class=\"et_pb_column_5 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_5 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><section class=\"aia-section aia-content-section aia-citation-summary\">\n<h2>What counts for the decision<\/h2>\n<ul>\n<li>Insurance should always be viewed with an eye on everyday life, school, budget and return.<\/li>\n<li>Students need a solution that appears linguistically, socially and personally accessible.<\/li>\n<li>Parents need understandable information about care, safety, responsibilities and planning.<\/li>\n<\/ul>\n<p>For further planning this fits: <a href=\"https:\/\/schooluniverse.de\/\/en\/safety\/\">Security<\/a>, <a href=\"https:\/\/schooluniverse.de\/\/en\/visa\/\">Visa<\/a>, <a href=\"https:\/\/schooluniverse.de\/\/en\/parents\/\">For parents<\/a>.<\/p>\n<\/section>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_6 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_6 et_pb_row et_block_row\"><div class=\"et_pb_column_6 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_6 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><section class=\"aia-section aia-internal-links\">\n<h2>Related Topics<\/h2>\n<ul>\n<li><a href=\"https:\/\/schooluniverse.de\/\/en\/safety\/\">Security<\/a><\/li>\n<li><a href=\"https:\/\/schooluniverse.de\/\/en\/visa\/\">Visa<\/a><\/li>\n<li><a href=\"https:\/\/schooluniverse.de\/\/en\/parents\/\">For parents<\/a><\/li>\n<li><a href=\"https:\/\/schooluniverse.de\/\/en\/problems-abroad\/\">Problems Abroad<\/a><\/li>\n<li><a href=\"https:\/\/schooluniverse.de\/\/en\/book-consultation\/\">Consultation<\/a><\/li>\n<\/ul>\n<\/section>\n<\/div><\/div><\/div><\/div><\/div><div class=\"et_pb_section_7 et_pb_section et_section_regular et_block_section\"><div class=\"et_pb_row_7 et_pb_row et_block_row\"><div class=\"et_pb_column_7 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_7 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><section class=\"aia-section aia-cta-section\">\n<h2>What Makes Sense Now<\/h2>\n<p>If you would like to clarify the next steps, we will sort out the countries, duration, budget, accommodation and any outstanding parental questions together.<\/p>\n<div class=\"cta-button-row cta-button-row--blue\">\n<a class=\"cta-button cta-button--primary\" href=\"https:\/\/schooluniverse.de\/\/en\/book-consultation\/\">Arrange insurance<\/a><br \/>\n<a class=\"cta-button cta-button--outline-blue\" href=\"https:\/\/schooluniverse.de\/\/en\/high-school-abroad\/\">Explore Programs<\/a>\n<\/div>\n<\/section>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>counselor Insurance Insurance is a mandatory topic for every year abroad. Before making the commitment, check which benefits are included and what.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":45,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-354","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance for a School Year Abroad | Ab ins Ausland<\/title>\n<meta name=\"description\" content=\"Insurance is a mandatory topic for every year abroad. 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