Before starting a stay abroad, you should ensure that you have sufficient health, accident and liability insurance. During the stay abroad there is no liability and accident insurance through the university. Exchange programs are usually not accompanied by insurance coverage either.

Program participants are responsible for their own insurance coverage if the host institutions abroad do not offer insurance coverage.

For Erasmus+ internship funding, proof of health, liability and accident insurance abroad is mandatory.

Health insurance

Within the European Union, the European Health Insurance Card provides insurance coverage at the usual conditions in the host country. It may be advisable to take out additional private health insurance.

Outside the European Union, the European Health Insurance Card does not provide insurance coverage.

Short-term additional insurances, which can be booked once a year, do not cover stays abroad during studies in most cases, but only short-term tourist trips. They are not sufficient for study or internship abroad.

Health insurance should cover repatriation (even in case of death) and pandemic case (an illness during a pandemic).

Internship in the European Unioin: The European Regulation of the Obligation to Pay Contributions in the Country of Employment

Students may be required to purchase health insurance in the host/internship country. This is especially true for students who are legally insured as students in Germany and who complete a voluntary internship in the destination country and receive a monthly salary for this. The conditions of insurance coverage during the internship period must be clarified in advance with the insurance offices in the home and, if applicable, host country.

Liability and accident insurance

There is no insurance through the home university abroad and the exchange programs do not provide automatic insurance coverage either. At a minimum, damage caused by program participants at the assignment/study/internship site and accidents that occur to program participants at the assignment/study/internship site should be covered. Ideally, the private area should also be covered.

Information on insurance during the Erasmus+ study visit (German only)

The DAAD offers a combined group insurance rate for health, liability and accident insurance abroad.