A student internship abroad offers valuable experience, but also requires special security. Parents should inform themselves early to ensure their children have a safe stay.
health insurance
Students under the age of 25 who are still going to school and do not have a regular income of more than 565 euros per month are covered by statutory health insurance in Germany through their parents’ family insurance.
Abroad, this insurance often only covers limited costs. We therefore recommend additional international health insurance that covers treatment costs, medication, hospital stays and repatriation. According to HanseMerkur, there are special tariffs for schoolchildren and students.
Liability insurance
Liability insurance is important in case damage to property or persons occurs during the internship. Students are often covered by their parents’ private liability insurance.
However, you should check whether the insurance also applies abroad or whether a special foreign liability tariff makes sense.
Accident insurance
Statutory accident insurance generally does not apply abroad. It is therefore advisable to take out private accident insurance, which is also valid during the internship abroad. Care should be taken to ensure that the private insurer also provides protection abroad.
Other insurances
Depending on the internship, additional insurance may make sense. These include, for example, travel luggage insurance for lost or damaged luggage, travel accident insurance for accidents during the trip and travel cancellation insurance in the event of short-term cancellation.
Special features of paid internships
For paid internships abroad, parents should check whether social security contributions are due in the host country. Some countries have their own insurance requirements. According to meinauslandspraktikum.de, these details should be clarified in advance with the internship company and the health insurance company.
A student internship abroad is a valuable experience. If you plan your insurance carefully and take out additional policies if necessary, you can safely enjoy your internship and avoid unpleasant surprises.
Markus Maier, editorial team at finanzen.net
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