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Information about the trip
Example tariff
STUDENTS Insurance Basic
Total premium
STUDENTS Insurance
Basic
Insured person(s)
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1. Person Age 7 up to 40 years
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16.05.2025 - 15.06.2025 0. - 18. month 31 days x €1.20€37.20
Sum€37.20 -
STUDENTS Insurance
Insured person(s)
Basic
-
1. Person Age 7 up to 40 years
- 16.05.2025 - 15.06.2025 0. - 18. month 31 days x €1.20
Sum- €37.20
€37.20
The perfect incoming insurance for language learners and students coming to Germany.
Are you planning a trip to Germany for an internship, a language course, or even a full degree program? Our insurance offers you the ideal protection throughout your stay. It is tailored to the specific needs of language learners and students, giving you peace of mind around the clock.
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Plans & Benefits
Protection throughout your stay – flexible and tailored.
Our STUDENTS insurance is fully aligned with your safety needs. You can choose between plans that offer the legally required minimum coverage and premium packages that provide comprehensive protection for medical costs, accidents, and damages. Calculate your personal premium now.
STUDENTS Insurance
Start
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Age7 up to 60 years
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DurationUp to 12 months
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Guarantee
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Recognized for visa and residence permit purposes: Exceeds the requirements for Schengen visas
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Outpatient and inpatient medical treatment including surgeries, as well as doctor-prescribed medication and dressings
-
Pain-relieving dental treatment100% up to max. €400
-
Pain-related homeopathic treatment by licensed physicians—
-
Repair of existing dental prostheses—
-
Accident-related dental prosthesis to restore chewing ability—
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Disability benefit – basic sum insured—
-
Disability benefit in case of full disability—
-
Cosmetic surgery following an accident—
-
Rescue costs—
-
Death benefit—
-
Flat-rate coverage limit for personal injury and property damage—
-
Damage to residential premises and buildings of the host family or landlord—
-
Loss of house and apartment keys—
-
Deportation costs—
-
Unlimited and premium-free extended coverage in case of ordered deportation—
-
Premium refund—
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Medically prescribed transportation by ambulance
-
Medically advisable and reasonable repatriation to home country
-
Premium-free extended coverage in case of proven transport incapacity
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Treatment during pregnancy and subsequent childbirth
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Manual therapy, massages, lymphatic drainage, etc.up to max. €250 for the entire policy period
-
Initial treatment of acute mental and emotional disorders, psychiatric illnesses, including hypnosis and psychotherapymax. 4 inpatient days or 4 outpatient sessions
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Medically necessary walking aids and rental of a wheelchair
-
Medical rehabilitation services (follow-up treatment)
-
Repatriation of mortal remains or funeral costs
-
Pain-related root canal treatment
-
GOÄ rates up to2,3
-
GOZ rates up to2,0
Basic
-
Age0 up to 60 years
-
DurationUp to 60 months
-
Guarantee
-
Recognized for visa and residence permit purposes: Exceeds the requirements for Schengen visas
-
Outpatient and inpatient medical treatment including surgeries, as well as doctor-prescribed medication and dressings
-
Pain-relieving dental treatment100% up to max. €400
-
Pain-related homeopathic treatment by licensed physicians—
-
Repair of existing dental prostheses—
-
Accident-related dental prosthesis to restore chewing ability—
-
Disability benefit – basic sum insured€50,000
-
Disability benefit in case of full disability225% progression €112,500
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Cosmetic surgery following an accident—
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Rescue costs€5,000
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Death benefit€5,000
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Flat-rate coverage limit for personal injury and property damage€2.0 million
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Damage to residential premises and buildings of the host family or landlordup to €25,000 (deductible €250 for damage to immovable property)
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Loss of house and apartment keys—
-
Deportation costs€4,100
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Unlimited and premium-free extended coverage in case of ordered deportation
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Premium refund—
-
Medically prescribed transportation by ambulance
-
Medically advisable and reasonable repatriation to home country
-
Premium-free extended coverage in case of proven transport incapacity
-
Treatment during pregnancy and subsequent childbirth
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Manual therapy, massages, lymphatic drainage, etc.up to max. €250 for the entire policy period
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Initial treatment of acute mental and emotional disorders, psychiatric illnesses, including hypnosis and psychotherapymax. 4 inpatient days or 4 outpatient sessions
-
Medically necessary walking aids and rental of a wheelchair
-
Medical rehabilitation services (follow-up treatment)
-
Repatriation of mortal remains or funeral costs
-
Pain-related root canal treatment
-
GOÄ rates up to2,3
-
GOZ rates up to2,0
Premium
-
Age0 up to 60 years
-
DurationUp to 60 months
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Guarantee
-
Recognized for visa and residence permit purposes: Exceeds the requirements for Schengen visas
-
Outpatient and inpatient medical treatment including surgeries, as well as doctor-prescribed medication and dressings
-
Pain-relieving dental treatment100% up to max. €500 (any additional costs covered at 50%)
-
Pain-related homeopathic treatment by licensed physicians
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Repair of existing dental prostheses50% up to max. €1,000
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Accident-related dental prosthesis to restore chewing ability100% up to max. €2,500
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Disability benefit – basic sum insured€60,000
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Disability benefit in case of full disability350% progression €210,000
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Cosmetic surgery following an accident€5,000
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Rescue costs€5,000
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Death benefit€5,000
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Flat-rate coverage limit for personal injury and property damage€2.6 million
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Damage to residential premises and buildings of the host family or landlordup to €2.6 million (deductible €250 for damage to immovable property)
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Loss of house and apartment keysup to €500
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Deportation costs€6,000
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Unlimited and premium-free extended coverage in case of ordered deportation
-
Premium refundOne monthly premium
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Medically prescribed transportation by ambulance
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Medically advisable and reasonable repatriation to home country
-
Premium-free extended coverage in case of proven transport incapacity
-
Treatment during pregnancy and subsequent childbirth
-
Manual therapy, massages, lymphatic drainage, etc.up to max. €250 for the entire policy period
-
Initial treatment of acute mental and emotional disorders, psychiatric illnesses, including hypnosis and psychotherapymax. 4 inpatient days or 4 outpatient sessions
-
Medically necessary walking aids and rental of a wheelchair
-
Medical rehabilitation services (follow-up treatment)
-
Repatriation of mortal remains or funeral costs
-
Pain-related root canal treatment
-
GOÄ rates up to2,3
-
GOZ rates up to2,0
STUDENTS Insurance
Start
Basic
Premium
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Age7 up to 60 years0 up to 60 years0 up to 60 years
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DurationUp to 12 monthsUp to 60 monthsUp to 60 months
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Guarantee
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Recognized for visa and residence permit purposes: Exceeds the requirements for Schengen visas
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Outpatient and inpatient medical treatment including surgeries, as well as doctor-prescribed medication and dressings
-
Pain-relieving dental treatment100% up to max. €400100% up to max. €400100% up to max. €500 (any additional costs covered at 50%)
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Pain-related homeopathic treatment by licensed physicians——
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Repair of existing dental prostheses——50% up to max. €1,000
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Accident-related dental prosthesis to restore chewing ability——100% up to max. €2,500
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Disability benefit – basic sum insured—€50,000€60,000
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Disability benefit in case of full disability—225% progression €112,500350% progression €210,000
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Cosmetic surgery following an accident——€5,000
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Rescue costs—€5,000€5,000
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Death benefit—€5,000€5,000
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Flat-rate coverage limit for personal injury and property damage—€2.0 million€2.6 million
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Damage to residential premises and buildings of the host family or landlord—up to €25,000 (deductible €250 for damage to immovable property)up to €2.6 million (deductible €250 for damage to immovable property)
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Loss of house and apartment keys——up to €500
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Deportation costs—€4,100€6,000
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Unlimited and premium-free extended coverage in case of ordered deportation—
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Premium refund——One monthly premium
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Medically prescribed transportation by ambulance
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Medically advisable and reasonable repatriation to home country
-
Premium-free extended coverage in case of proven transport incapacity
-
Treatment during pregnancy and subsequent childbirth
-
Manual therapy, massages, lymphatic drainage, etc.up to max. €250 for the entire policy period
-
Initial treatment of acute mental and emotional disorders, psychiatric illnesses, including hypnosis and psychotherapymax. 4 inpatient days or 4 outpatient sessions
-
Medically necessary walking aids and rental of a wheelchair
-
Medical rehabilitation services (follow-up treatment)
-
Repatriation of mortal remains or funeral costs
-
Pain-related root canal treatment
-
GOÄ rates up to2,3
-
GOZ rates up to2,0
Always Included
The guarantee
Compare
Premium Overview
Optimal protection at fair rates – flexible and transparent.
Our premium overview gives you a clear picture of the different pricing levels, based on your age and desired insurance period. Whether you're looking for coverage for just a few months or a longer stay – our daily-based plans flexibly adapt to your individual needs.
STUDENTS Insurance
Start
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Minimum premium€25.00
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Age 0 up to 6 years
- 0. - 18. month
- 19. - 36. month
- 37. - 60. month
- —
- —
- —
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Age 7 up to 40 years
- 0. - 12. month
- 0. - 18. month
- 19. - 36. month
- 37. - 60. month
- €1.00
- —
- —
- —
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Age 41 up to 60 years
- 0. - 12. month
- 0. - 18. month
- 19. - 36. month
- 37. - 60. month
- €1.50
- —
- —
- —
Basic
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Minimum premium€25.00
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Age 0 up to 6 years
- 0. - 18. month
- 19. - 36. month
- 37. - 60. month
- €1.70
- €2.15
- €2.40
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Age 7 up to 40 years
- 0. - 12. month
- 0. - 18. month
- 19. - 36. month
- 37. - 60. month
- —
- €1.20
- €1.65
- €1.90
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Age 41 up to 60 years
- 0. - 12. month
- 0. - 18. month
- 19. - 36. month
- 37. - 60. month
- —
- €1.70
- €1.90
- €3.50
Premium
-
Minimum premium€25.00
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Age 0 up to 6 years
- 0. - 18. month
- 19. - 36. month
- 37. - 60. month
- €1.85
- €2.30
- €3.20
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Age 7 up to 40 years
- 0. - 12. month
- 0. - 18. month
- 19. - 36. month
- 37. - 60. month
- —
- €1.34
- €1.80
- €2.70
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Age 41 up to 60 years
- 0. - 12. month
- 0. - 18. month
- 19. - 36. month
- 37. - 60. month
- —
- €1.95
- €2.40
- €3.95
STUDENTS Insurance
Start
Basic
Premium
-
Minimum premium€25.00€25.00€25.00
-
Age 0 up to 6 years
- 0. - 18. month
- 19. - 36. month
- 37. - 60. month
- —
- —
- —
- €1.70
- €2.15
- €2.40
- €1.85
- €2.30
- €3.20
-
Age 7 up to 40 years
- 0. - 12. month
- 0. - 18. month
- 19. - 36. month
- 37. - 60. month
- €1.00
- —
- —
- —
- —
- €1.20
- €1.65
- €1.90
- —
- €1.34
- €1.80
- €2.70
-
Age 41 up to 60 years
- 0. - 12. month
- 0. - 18. month
- 19. - 36. month
- 37. - 60. month
- €1.50
- —
- —
- —
- —
- €1.70
- €1.90
- €3.50
- —
- €1.95
- €2.40
- €3.95
No Health Insurance
Liability & Accident Plan
You only need liability and accident insurance?
Our STUDENTS liability & accident plan offers you targeted protection during your stay – without any additional health insurance benefits.
Whether liability claims or accidents – we’ve got you covered. No health insurance included!
STUDENTS Insurance
Liability/​Accident
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Age0 up to 60 years
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DurationUp to 60 months
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Guarantee
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Disability benefit – basic sum insured€60,000
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Disability benefit in case of full disability350% progression €210,000
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Cosmetic surgery following an accident€5,000
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Rescue costs€5,000
-
Death benefit€5,000
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Flat-rate coverage limit for personal injury and property damage€2.6 million
-
Damage to residential premises and buildings of the host family or landlordup to €2.6 million (deductible €250 for damage to immovable property)
-
Loss of house and apartment keysup to €500
-
Deportation costs€6,000
-
Unlimited and premium-free extended coverage in case of ordered deportation
STUDENTS Insurance
Liability/​Accident
-
Age0 up to 60 years
-
DurationUp to 60 months
-
Guarantee
-
Disability benefit – basic sum insured€60,000
-
Disability benefit in case of full disability350% progression €210,000
-
Cosmetic surgery following an accident€5,000
-
Rescue costs€5,000
-
Death benefit€5,000
-
Flat-rate coverage limit for personal injury and property damage€2.6 million
-
Damage to residential premises and buildings of the host family or landlordup to €2.6 million (deductible €250 for damage to immovable property)
-
Loss of house and apartment keysup to €500
-
Deportation costs€6,000
-
Unlimited and premium-free extended coverage in case of ordered deportation
FAQ & Help for Language Learners & Students
This might be useful for you
Here you’ll find answers to frequently asked questions about our travel insurances. We’ve gathered the most important information to help you feel well prepared. If you still have questions, don’t hesitate to get in touch with us.
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Can I cancel my contract early?
Everthing about the topic -
Can I cancel the contract?
Everthing about the topic -
Can I change my plan?
Everthing about the topic -
Can I study in Germany for free?
Everthing about the topic -
Can international students receive BAföG?
Everthing about the topic
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Do I need a visa to study in Germany?
Everthing about the topic -
Do I need health insurance for a language course?
Everthing about the topic -
Do international students need health insurance to study in Germany?
Everthing about the topic -
Does the contract end automatically?
Everthing about the topic -
How can I change my bank details?
Everthing about the topic -
How can I extend my insurance?
Everthing about the topic
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How can I notify changes?
Everthing about the topic -
How can I sign a framework agreement?
Everthing about the topic -
How can I take out insurance?
Everthing about the topic -
How do I find out if my higher education entrance qualification will be recognized?
Everthing about the topic -
How does the refund of overpaid contributions work?
Everthing about the topic -
How good does my German have to be for studying in Germany?
Everthing about the topic
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In which cases do EU students still need to take out health insurance in Germany?
Everthing about the topic -
Is my data secure?
Everthing about the topic -
Is there a premium refund?
Everthing about the topic -
What are the advantages of KLEMMER insurance?
Everthing about the topic -
What documents will I receive?
Everthing about the topic -
What happens if a direct debit cannot be processed?
Everthing about the topic
Transparency you can trust
Real experiences, real security – what our customers say
The experiences of other insured customers are invaluable. They offer insights into real-life situations, build trust, and help you make informed decisions.
At KLEMMER, reviews are collected by ProvenExpert. See for yourself and benefit from the experiences of other customers.
„Beste Versicherung mit kompetenten Mitarbeitern.Sind Dauerkunden und sehr zufrieden.Danke Frau Puhl für ihre Unterstützung heute und Grüßean ihre Kollegen!!“
„Schnelle Antwort und unkomplizierte direkte Kostenabrechnung der Behandlung mit dem Krankenhaus. Per E-Mail und Telefonisch sehr gut erreichbar. Rückruf klappt auch wunderbar.“
„Kompetente und schnelle Hilfe“
„Werben fuer Versicherungen fuer junge Auslaender, die nach Deutschland kommen wollen, um Deutsch zu lernen bzw. Deutschland kennenzulernen. Die inkludierten Leistungen sind jedoch nur irrefuehrend und moralisch fraglich in deutscher Sprache in den AGBs aufgefuehrt. Selbst im sogenannten "Premium"-Paket. Relevante Inhalte sind auf Englisch nicht genau uebersetzt. Auf eine direkte Beschwerde hin ist man nicht naeher eingegangen. Einsichtigkeit und Verstaendnis wurden weder vor noch nach der Beschwerde gezeigt. Meines Erachtens Menschen unwuerdiges Verhalten.“
„Ich bin äußerst zufrieden mit KLEMMER International Assekuradeur GmbH und möchte mich herzlich für den hervorragenden Service bedanken! Die Abwicklung meiner Anliegen war immer unkompliziert, schnell und professionell. Das Team ist freundlich, kompetent und stets hilfsbereit. Besonders schätze ich die transparente Kommunikation und die fairen Konditionen. Ich kann diese Versicherung jedem empfehlen, der Wert auf Verlässlichkeit und guten Kundenservice legt. Vielen Dank für die tolle Unterstützung!“
„Insbesondere die Geduld von Frau Binder möchte ich hervorheben. Wir hatten jetzt schon 2 Au Pair über Klemmer versichert und werden sicher auch alle weiteren so versichern!“
„Super kompetent und schnelle Abwicklung“
„Schnell, Flexibel, Zuverlässig, Funktioniert auch gut bei Wechsel/Anpassung/Stornierung der Versicherung“
„Die Abeicklung ist wirklich toll. Leider habe ich nie jemanden im Leistungsteam erreicht außer per E-Mail.“
„Sehr Kundenorieniert und immer freundlich.“
„Unkompliziert und zuverlässig“
„it as such a good experience which I am pretty satisfied.“
„My insurance claim was settled promptly and without fuss: I am entirely satisfied with the professional and helpful service received - thank you!“
„Ich wurde sehr unfeundlich beraten und abgewiesen als ich weitere Fragen hatte. Würde die Versicherung niemandem empfehlen.“
„So far, the feedback and reimbursement of my invoices were clearly and fast. Following the terms and conditions indicated in the contract. I have a year contract with Klemmer. I hope it runs well untill the end :)“
„Die Antwort auf Ihre Fragen erfolgt zeitnah.“
„Herzlichen Dank, sehr zufrieden“
„Sie haben mir schneller antworten. Vielen dank für Ihre Leistungen.“
„The insurance helped me during my stay in Germany and when I attended before the hospital everything was good.“
„Schnelle, unkomplizierte Bearbeitung und wie immer freundlicher Service bei Klemmer. Danke.“
„Thank you for guiding me and covering the full cost“
„Die Vertragsabschluss und die Zahlung der Versicherungspolice sind klar und einfach, keineswegs kompliziert. Als ich einen Zahnarzt in Deutschland aufsuchen musste, verlief alles glatt. Ich musste lediglich den Behandlungsschein sowie meinen Reisepass der Zahnarzthelferin vorlegen und brauchte keine weiteren Formalitäten zu erledigen. Klemmer kümmerte sich um die direkte Bezahlung an den Zahnarzt, ohne jegliche Komplikationen. Hervorragend!“
„Ich versichere seit 5 Jahren unsere Au-Pairs und internationale Gäste bei KLEMMER. Meistens hatten wir die Versicherung nicht in Anspruch genommen. Aber wenn, dann war die Beratung stets professionell und die Kosten wurden schnell erstattet.“
„Sehr geehrte Damen und Herren, hiermit möchte ich nur eine Kurze Rückmeldung, dass ich mit euch Service sehr zufrieden war. Ich danke euch sehr. Mit freundlichen Grüßen Fabrice Notahinjanahary“
„freundliche Berater am Telefon und guter Service jederzeit zu empfehlen“
„Service einwandfrei und unbürokratisch. Klemmer kann ich uneingeschränkt empfehlen! Beratung in meinem Fall entbehrlich, da das gesamte Konzept online aufgebaut und einfach strukturiert ist und damit wunderbar funktioniert.“
„Es ist einfach und biss jetzt sehr unkompliziert. Danke“
„Ich finde es schade, dass man keine Eingangsbestätigung zu eingereichten Rechnungen bekommt.“
„Unkomplizierte Abwicklung eines stationär geführten Notfalls bei unserem AuPair. Vielen Dank!“
„Ich bin seit fast 20 Jahren zufriedener Kunde. Unkompliziert, schnell und unbürokratisch.“
„Toller unkomplizierter Service!“
„Unkompliziert, Verträge konnten telefonisch besprochen und vereinbart werden. Top Service empfehle es gerne weiter .“
„wir haben schon den vierten Vertrag abgeschlossen. IMMER schnell bei jedem Anliegen und sehr höflich am Telefon. Hier steht der Kunde wirklich im Vordergrund. DANKE“
„Schnelle Zahlung im Leistungsfall und unkomplizierte Abwicklung.“
„I have contacted them many times, they reply quickly. I feel confident with this insurance.“
„Wir haben bei Klemmer eine Au-Pair Versicherung beauftragt und waren sehr zufrieden. Sehr schnelle Zahlung bei Anmeldung einer Leistung. Sehr guter Service bei Stornierung durch vorzeitigem Au-Pair Wechsel.“
„The speed at which my claim was reimbursed was impressive. Thank you! A representative did give me an incorrect email address to send my claim though (there were typos in the email address provided), so that took a bit of time to sort out.“
„Tel Beratung heute“
„schnelle Bearbeitung und sehr guter Service“
„Your response to issues are so timely and excellent“
„Telefonisch immer schnell zu erreichen und immer sehr nett geantwortet. Top Erfahrung, weiter so!!“
„Kompetent & schnell!“
„Der Kundenservice am Telefon war stets freundlich und kompetent. Alle Anliegen wurden stets sofort erledigt.“
„Replies and reimburstments are super fast and easy“
„From my personal experience whenever I had a question and made a phone call the male staff is usually not so helpful. He kept on saying everything is written on the contract". Yes, everything is written, but I made the call because I wanted to make sure. He made me feel unwelcome and I felt like not calling back anymore which is really bad because I don't feel like staying with your health insurance. I am happy that the reimbursement went through quickly. Thank you.“
„Auch Umbuchung bei Reiseänderung war kein Problem“
„Ich bin sehr zufrieden. Ich kann KLEMMER gut sehr empfehlen Auf ihn ist en Verlass.. Tip-Top“
„Unglaublich guter Kundenservice! Bin netterweise darauf aufmerksam gemacht worden, dass ich versehentlich (mein Fehler) doppelt versichert war und die Rückabwicklung war so unkompliziert und die Mitarbeiter sehr freundlich. Ganz klare Empfehlung“
„Immer schnell und freundlich. Kulanter und sehr kundenorientiert. Vielen Dank!“
„Schnell und zuverlässig. Ich sollte noch zu Nachuntersuchungen, möchte aber damit warten.“
„Ihre Dienste und Unterstützung sind sehr gut. Danke“
„Sehr hilfsbereit, immer ohne Probleme erreichbar ,weniger Bürokratie im Vergleich mit anderer Versicherungen Sehr empfehlenswert“
„Ich persönlich hatte bisher nur gute Erfahrungen mit der Klemmer International Assekuradeur GmbH. Daher würde ich diese Versicherung auf jeden Fall auch weiterempfehlen. Vielen Dank“
„Klemmer International ist die BESTE 👍🏻“
„Die bisherigen Erfahrungen waren sehr weit überdurchschnittlich gut. Alle nicht nachvollziehbaren Forderungen einer deutschen Botschaft bei der Erteilung eines Einreisevisums wurden quasi in "Sekundenschnelle" angepasst. Im Gegensatz zu vielen anderen Einrichtungen war ständig jemand zu erreichen und konnte kompetente und praxisorientierte Auskunft geben. Das hört sich übertrieben gut an? Dafür stehe ich, gerne auch in direktem Kontakt. Die kundenfreundliche Arbeit hat mir sehr, sehr geholfen.“
„Einfacher schneller Abschluss, Kündigung ebenso, Bisher immer alle Kosten übernommen ohne komplizierte Prozesse.“
„Leistungen waren sehr gut.“