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Gap Year: Consumer advice center provides information about insurance
Comprehensive insurance checklist for a worry-free gap year in Hamburg. Don’t forget health and liability insurance abroad! Find all important information here. Become an expert now!
Gap Year: Consumer advice center provides information about insurance
For many young people, the gap year is a huge adventure, sometimes even the first time abroad without their parents. It is therefore very important to take care of comprehensive insurance so that you can start worry-free. The Hamburg Consumer Center has put together an overview of the necessary insurance for such a year abroad.
One of the most important policies for the gap year is suitable health insurance that is also valid abroad. Particularly in the case of serious health problems, the insurance should also cover the transport costs for repatriation home. If the gap year is organized through an agency, it is often possible to take out appropriate insurance through them. Otherwise, you should contact your health insurance company to discuss the appropriate options.
The consumer advice center also points out that the coverage period of international travel health insurance is limited and does not cover the entire gap year. Long-term international health insurance is required for stays longer than six weeks. Another important insurance is private liability insurance, which protects against claims for damages, for example after an accident that you are responsible for. It is important to check whether the insurance cover is valid abroad and what conditions apply.
For young adventurers traveling with a backpack, theft can be a big hassle. Nevertheless, consumer advocates advise against separate luggage insurance. The costs are often high, and reimbursement is usually only based on the current value, not the original price. In addition, luggage is often already covered by an existing household contents insurance for up to three months, but only in the event of robbery, not theft. In addition to insurance, other points such as the cell phone contract or the visa are also important aspects that should be taken into account before a gap year. The Hamburg Consumer Center offers a comprehensive checklist with all relevant points in its consumer tips.