AU-PAIR insurance - book online now

Health, accident, and liability insurance for au pairs coming to Germany or Austria

Host families in Germany are obligated to obtain health insurance coverage for their au pair. Our insurance packages can be chosen individually to meet your specific needs and include additional accident and liability insurance to ensure comprehensive coverage for the au pair and host family in case of a claim.

We urgently recommend obtaining health insurance coverage for au pairs from the EU as well, since insurance in their home country does not pay for everything, for example return transport that is often expensive.

Au-Pairs to Germany/Austria

from1.10 € per Day (33.00 €/month)

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Benefits at a glance

AUPAIR Consumer information (05.23)

You receive your confirmation of insurance for submission to public authorities directly after the closing. It exceeds the official requirements for issuing a visa – including the Schengen visa.

(✓ = is included, X = is not included)

Tariff AU-PAIR
Insurance
Basic Plus AU-PAIR
Insurance
Premium AU-PAIR
Insurance
Premium Plus AU-PAIR
Insurance
Liability/Accident

Premium per day from €1.10 from €1.25 from €1.40 from €0.27

Minimum Premium €25.00 €25.00 €25.00 €10.00

Health insurance

Liability and accident insurance

Exceeds the requirements for granting a "Schengen" visa
Policy service and benefits processing for clear cases within 3 days
In- and outpatient treatments including operations as well as medically prescribed drugs and dressings
Doctor ordered ambulance service
Return transport to the home country when medically prudent and justifiable
Return transport to the home country as an alternative to in-patient treatment of the Au-Pair caused by serious illness
Care during pregnancy and subsequent birth
Acute first time treatment (maximum 4 days in-patient or 4 outpatient sessions) of mental disorders and psychiatric illnesses as well as hypnosis and psychotherapy
Medical rehabilitation services (follow-up treatment)
Medically necessary crutches and rent for a wheelchair
Premium-free run-off liability for proven cases of non-transportability	4 weeks	3 months	3 months
GOÄ rates up to (GOÄ = German scale of medical fees for doctors)	2.3	2.3	2.3
GOZ rates up to (GOZ = German scale of medical fees for doctors)	2.0	2.0	2.3
Dental treatment for pain relief
Repatriation or funeral expenses
Manual Therapy, massages, lymphatic drainage and the like up to € 250 for the complete contract period
Direct settlements in Germany/Austria of doctor, dentist, and hospital bills
Contraception consultation and examination
Pain-related homeopathic treatment through local doctors
Additional compensation for the host family in case of minimum 14 days in-patient stay of the Au-Pair due to an accident
Repair of previously existing dentures		50% to a max. of € 2,000	50% to a max. of € 2,000
Repair of previously existing dentures after an accident		100% to a max. of € 2,500	100% to a max. of € 2,500
Treatment of pre-existing illnesses (before contract inception)		(6 months waiting period)
Pain-related apicoectomy and root canal treatment, root filling included			100%
Visit of an affiliated person in case of a hospital stay of the policyholder due to a life-threating illness or an in-patient stay with a duration of more than 14 days			to a max. of € 2,000

Death benefits	€ 5,000	€ 5,000	€ 5,000	€ 5,000
Base amount of disability benefit	€50,000	€ 50,000	€ 60,000	€ 60,000
Full disability benefits at progressive % scale	225% progression € 112,500	225% progression € 112,500	350% progression € 210,000	350% progression € 210,000
Rescue expenses	€ 5,000	€ 5,000	€ 5,000	€ 5,000
Cosmetic surgery after an accident			€ 5,000	€ 5,000
Insurance for children’s accidents (incl. full disability benefits)			€ 35,000	€ 35,000

Flat rate coverage for personal injury and property damage	€ 1.0 Mio	€ 2.0 Mio	€ 2.6 Mio.	€ 2.6 Mio.
Damages caused through the Au-Pair occupation
Personal injuries of the host family and their children culpably caused by the Au-Pair
Deportation costs	€ 1,600	€ 4,100	€ 6,000	€ 6,000
Secondary liability for ordered deportation non-contributory without time limit
Damage to owned and rented residences and buildings of the host family (Deductible € 250 for non-movable property of the host family)		up to € 25,000	up to a max of € 2.6 Mio.	up to a max of € 2.6 Mio.
Loss of house and apartment keys			up to € 500	up to € 500

Up to two months refund of your premiums

Book online now

AU-PAIR Insurance Basic Plus

Premium per day from €1.10

Minimum Premium €25.00

Health insurance

Liability and accident insurance

Exceeds the requirements for granting a "Schengen" visa
Policy service and benefits processing for clear cases within 3 days
In- and outpatient treatments including operations as well as medically prescribed drugs and dressings
Doctor ordered ambulance service
Return transport to the home country when medically prudent and justifiable
Return transport to the home country as an alternative to in-patient treatment of the Au-Pair caused by serious illness
Care during pregnancy and subsequent birth
Acute first time treatment (maximum 4 days in-patient or 4 outpatient sessions) of mental disorders and psychiatric illnesses as well as hypnosis and psychotherapy
Medical rehabilitation services (follow-up treatment)
Medically necessary crutches and rent for a wheelchair
Premium-free run-off liability for proven cases of non-transportability	4 weeks
GOÄ rates up to (GOÄ = German scale of medical fees for doctors)	2.3
GOZ rates up to (GOZ = German scale of medical fees for doctors)	2.0
Dental treatment for pain relief
Repatriation or funeral expenses
Manual Therapy, massages, lymphatic drainage and the like up to € 250 for the complete contract period
Direct settlements in Germany/Austria of doctor, dentist, and hospital bills
Contraception consultation and examination
Pain-related homeopathic treatment through local doctors
Additional compensation for the host family in case of minimum 14 days in-patient stay of the Au-Pair due to an accident
Repair of previously existing dentures
Repair of previously existing dentures after an accident
Treatment of pre-existing illnesses (before contract inception)
Pain-related apicoectomy and root canal treatment, root filling included
Visit of an affiliated person in case of a hospital stay of the policyholder due to a life-threating illness or an in-patient stay with a duration of more than 14 days

Death benefits	€ 5,000
Base amount of disability benefit	€50,000
Full disability benefits at progressive % scale	225% progression € 112,500
Rescue expenses	€ 5,000
Cosmetic surgery after an accident
Insurance for children’s accidents (incl. full disability benefits)

Flat rate coverage for personal injury and property damage	€ 1.0 Mio
Damages caused through the Au-Pair occupation
Personal injuries of the host family and their children culpably caused by the Au-Pair
Deportation costs	€ 1,600
Secondary liability for ordered deportation non-contributory without time limit
Damage to owned and rented residences and buildings of the host family (Deductible € 250 for non-movable property of the host family)
Loss of house and apartment keys

Up to two months refund of your premiums

Book online now

AU-PAIR Insurance Premium

Premium per day from €1.25

Minimum Premium €25.00

Health insurance

Liability and accident insurance

Exceeds the requirements for granting a "Schengen" visa
Policy service and benefits processing for clear cases within 3 days
In- and outpatient treatments including operations as well as medically prescribed drugs and dressings
Doctor ordered ambulance service
Return transport to the home country when medically prudent and justifiable
Return transport to the home country as an alternative to in-patient treatment of the Au-Pair caused by serious illness
Care during pregnancy and subsequent birth
Acute first time treatment (maximum 4 days in-patient or 4 outpatient sessions) of mental disorders and psychiatric illnesses as well as hypnosis and psychotherapy
Medical rehabilitation services (follow-up treatment)
Medically necessary crutches and rent for a wheelchair
Premium-free run-off liability for proven cases of non-transportability	3 months
GOÄ rates up to (GOÄ = German scale of medical fees for doctors)	2.3
GOZ rates up to (GOZ = German scale of medical fees for doctors)	2.0
Dental treatment for pain relief
Repatriation or funeral expenses
Manual Therapy, massages, lymphatic drainage and the like up to € 250 for the complete contract period
Direct settlements in Germany/Austria of doctor, dentist, and hospital bills
Contraception consultation and examination
Pain-related homeopathic treatment through local doctors
Additional compensation for the host family in case of minimum 14 days in-patient stay of the Au-Pair due to an accident
Repair of previously existing dentures	50% to a max. of € 2,000
Repair of previously existing dentures after an accident	100% to a max. of € 2,500
Treatment of pre-existing illnesses (before contract inception)	(6 months waiting period)
Pain-related apicoectomy and root canal treatment, root filling included
Visit of an affiliated person in case of a hospital stay of the policyholder due to a life-threating illness or an in-patient stay with a duration of more than 14 days

Death benefits	€ 5,000
Base amount of disability benefit	€ 50,000
Full disability benefits at progressive % scale	225% progression € 112,500
Rescue expenses	€ 5,000
Cosmetic surgery after an accident
Insurance for children’s accidents (incl. full disability benefits)

Flat rate coverage for personal injury and property damage	€ 2.0 Mio
Damages caused through the Au-Pair occupation
Personal injuries of the host family and their children culpably caused by the Au-Pair
Deportation costs	€ 4,100
Secondary liability for ordered deportation non-contributory without time limit
Damage to owned and rented residences and buildings of the host family (Deductible € 250 for non-movable property of the host family)	up to € 25,000
Loss of house and apartment keys

Up to two months refund of your premiums

Book online now

AU-PAIR Insurance Premium Plus

Premium per day from €1.40

Minimum Premium €25.00

Health insurance

Liability and accident insurance

Exceeds the requirements for granting a "Schengen" visa
Policy service and benefits processing for clear cases within 3 days
In- and outpatient treatments including operations as well as medically prescribed drugs and dressings
Doctor ordered ambulance service
Return transport to the home country when medically prudent and justifiable
Return transport to the home country as an alternative to in-patient treatment of the Au-Pair caused by serious illness
Care during pregnancy and subsequent birth
Acute first time treatment (maximum 4 days in-patient or 4 outpatient sessions) of mental disorders and psychiatric illnesses as well as hypnosis and psychotherapy
Medical rehabilitation services (follow-up treatment)
Medically necessary crutches and rent for a wheelchair
Premium-free run-off liability for proven cases of non-transportability	3 months
GOÄ rates up to (GOÄ = German scale of medical fees for doctors)	2.3
GOZ rates up to (GOZ = German scale of medical fees for doctors)	2.3
Dental treatment for pain relief
Repatriation or funeral expenses
Manual Therapy, massages, lymphatic drainage and the like up to € 250 for the complete contract period
Direct settlements in Germany/Austria of doctor, dentist, and hospital bills
Contraception consultation and examination
Pain-related homeopathic treatment through local doctors
Additional compensation for the host family in case of minimum 14 days in-patient stay of the Au-Pair due to an accident
Repair of previously existing dentures	50% to a max. of € 2,000
Repair of previously existing dentures after an accident	100% to a max. of € 2,500
Treatment of pre-existing illnesses (before contract inception)
Pain-related apicoectomy and root canal treatment, root filling included	100%
Visit of an affiliated person in case of a hospital stay of the policyholder due to a life-threating illness or an in-patient stay with a duration of more than 14 days	to a max. of € 2,000

Death benefits	€ 5,000
Base amount of disability benefit	€ 60,000
Full disability benefits at progressive % scale	350% progression € 210,000
Rescue expenses	€ 5,000
Cosmetic surgery after an accident	€ 5,000
Insurance for children’s accidents (incl. full disability benefits)	€ 35,000

Flat rate coverage for personal injury and property damage	€ 2.6 Mio.
Damages caused through the Au-Pair occupation
Personal injuries of the host family and their children culpably caused by the Au-Pair
Deportation costs	€ 6,000
Secondary liability for ordered deportation non-contributory without time limit
Damage to owned and rented residences and buildings of the host family (Deductible € 250 for non-movable property of the host family)	up to a max of € 2.6 Mio.
Loss of house and apartment keys	up to € 500

Up to two months refund of your premiums

Book online now

AU-PAIR Insurance Liability/Accident

Premium per day from €0.27

Minimum Premium €10.00

Health insurance

Liability and accident insurance

Exceeds the requirements for granting a "Schengen" visa
Policy service and benefits processing for clear cases within 3 days
In- and outpatient treatments including operations as well as medically prescribed drugs and dressings
Doctor ordered ambulance service
Return transport to the home country when medically prudent and justifiable
Return transport to the home country as an alternative to in-patient treatment of the Au-Pair caused by serious illness
Care during pregnancy and subsequent birth
Acute first time treatment (maximum 4 days in-patient or 4 outpatient sessions) of mental disorders and psychiatric illnesses as well as hypnosis and psychotherapy
Medical rehabilitation services (follow-up treatment)
Medically necessary crutches and rent for a wheelchair
Premium-free run-off liability for proven cases of non-transportability
GOÄ rates up to (GOÄ = German scale of medical fees for doctors)
GOZ rates up to (GOZ = German scale of medical fees for doctors)
Dental treatment for pain relief
Repatriation or funeral expenses
Manual Therapy, massages, lymphatic drainage and the like up to € 250 for the complete contract period
Direct settlements in Germany/Austria of doctor, dentist, and hospital bills
Contraception consultation and examination
Pain-related homeopathic treatment through local doctors
Additional compensation for the host family in case of minimum 14 days in-patient stay of the Au-Pair due to an accident
Repair of previously existing dentures
Repair of previously existing dentures after an accident
Treatment of pre-existing illnesses (before contract inception)
Pain-related apicoectomy and root canal treatment, root filling included
Visit of an affiliated person in case of a hospital stay of the policyholder due to a life-threating illness or an in-patient stay with a duration of more than 14 days

Death benefits	€ 5,000
Base amount of disability benefit	€ 60,000
Full disability benefits at progressive % scale	350% progression € 210,000
Rescue expenses	€ 5,000
Cosmetic surgery after an accident	€ 5,000
Insurance for children’s accidents (incl. full disability benefits)	€ 35,000

Flat rate coverage for personal injury and property damage	€ 2.6 Mio.
Damages caused through the Au-Pair occupation
Personal injuries of the host family and their children culpably caused by the Au-Pair
Deportation costs	€ 6,000
Secondary liability for ordered deportation non-contributory without time limit
Damage to owned and rented residences and buildings of the host family (Deductible € 250 for non-movable property of the host family)	up to a max of € 2.6 Mio.
Loss of house and apartment keys	up to € 500

Up to two months refund of your premiums

Book online now

Your advantages

We have summarized the key facts to provide you with quick and clear information about our au pair insurance products.

Daily premiums
We offer innovative daily premiums. So you only pay for the exact duration of the planned stay.
Billing accurate to the day
Excess premium payments are refunded if the au pair insurance contract ends prematurely.
Direct settlement with doctors and hospitals
With the BASIC PLUS, PREMIUM, and PREMIUM PLUS rates: No duty to pay in advance for the host family and au pair.
Refund of premiums
With the BASIC PLUS, PREMIUM, and PREMIUM PLUS rates: Up to 2 monthly premiums after min. 12-month term without claims.
Everything from one source
From the application to contract management to support in case of a claim – our experienced team handles everything for you.
Recognized for visas and residence permits
The insurance coverage exceeds the official requirements for issuing a visa – including the Schengen visa.
Vacation trips
Insurance coverage worldwide for up to 6 weeks for vacation trips, also with the host family.
Choice of rates
Health, accident, and liability insurance with tiered benefits: BASIC PLUS, PREMIUM, and PREMIUM PLUS or
accident and liability insurance: LIABILITY/ACCIDENT