Care Protector
Personal liability insurance
with optional personal accident cover
Study · Research visits · Au pairs · Travel and temporary stays abroad
- Monthly premiums from €2
- Liability cover up to €2.5million
- Cover for up to 5years
€2/month is the S plan rate, with a €10 minimum premium. €2.5 million is the XL liability limit for bodily injury and property damage. M and XL include personal accident insurance. See the tables below for benefits and deductibles.
Three plans to suit different needs
S covers personal liability. M adds personal accident cover. XL adds benefits such as key loss.
S · Basic liability cover
For those who only need personal liability insurance.
€2/ month
- €1 million liability cover for bodily injury and property damage.
- Up to €10,000 for damage to rented immovable property.
- General liability deductible of €250 per insured event.
- Personal accident insurance is not included.
M · Liability and personal accident cover
For those who also want personal accident benefits.
€4/ month
- €2 million liability cover for bodily injury and property damage.
- Up to €25,000 for damage to rented immovable property.
- Basic accidental disability sum insured of €30,000.
- No general liability deductible; specific benefits have separate deductibles.
XL · Higher limits and key cover
For those seeking rental property and key cover, with higher accident benefits.
€7.50/ month
- €2.5 million liability cover for bodily injury and property damage.
- Up to €50,000 for damage to rented immovable property.
- Up to €1,000 for eligible key loss under the terms.
- Basic accidental disability sum insured of €40,000.
The minimum premium is €10 for S, €12 for M and €15 for XL. The prices shown are monthly rates. Your total also depends on duration, payment method and any payment fees. The final application quote applies.
For temporary stays abroad
For eligible people under 75 staying abroad temporarily. Cover runs for at least 1 month and up to 60 months in total, including extensions.
International students and visiting researchers
Additional cover for eligible everyday personal liability risks while studying or participating in an exchange in Germany or another country abroad.
Au pairs and interns
Check cover against the nature of your activities. If work duties are involved, confirm separately whether the XL occupational liability extension applies.
Family visits and travel abroad
Choose the period according to your temporary stay abroad. Check your destination, arrival date and existing insurance when applying.
This product is intended for temporary stays abroad. Applications are normally required before departure or within one year of arrival. If you have transferred your permanent residence to the destination country, check whether you still qualify.
What do liability and accident insurance cover?
Loss or injury you cause to others
Personal liability insurance handles eligible legal liability for compensation, such as accidentally injuring someone or damaging their property. The insurer assesses claims, pays justified claims and defends unjustified claims.
Accidents affecting you
The personal accident insurance in M and XL provides disability, accidental death, rescue and other benefits under the terms. Everyday medical care, illness treatment and medical expenses still require separate health insurance.
Compare benefits and out-of-pocket costs
The tables summarise the main insured amounts. On a phone, scroll sideways to view all columns.
| Benefit | S | M | XL |
|---|---|---|---|
| Liability limit for bodily injury and property damage | €1 million | €2 million | €2.5 million |
| General liability deductible Separate deductible rules apply to the specific benefits below | €250 per insured event | €0 | €0 |
| Damage to rented immovable property You pay 10%, at least €250 per event | €10,000 | €25,000 | €50,000 |
| Eligible loss of another person’s keys You pay 10%, at least €100 per event | Not included | Not included | €1,000 |
| Occupational liability extension Subject to occupation and activity conditions; you pay 10%, at least €200 | Not included | Not included | €25,000 |
| Cover if the liable third party cannot pay Policy conditions apply; you pay 10%, at least €200 | Not included | Not included | €10,000 |
| Liability for deportation costs in Germany Limited to eligible guarantee obligations; you pay 10%, at least €250 | €1,000 | €2,000 | €3,000 |
| Benefit | S | M | XL |
|---|---|---|---|
| Basic accidental disability sum insured | Not included | €30,000 | €40,000 |
| Maximum benefit for total disability Calculated under the 350% progressive benefit scale | Not included | €105,000 | €140,000 |
| Accidental death sum insured | Not included | €15,000 | €25,000 |
| Maximum accident rescue costs | Not included | €7,500 | €10,000 |
| Maximum cosmetic surgery costs after an accident | Not included | €2,500 | €5,000 |
For example, eligible damage to rented immovable property requires you to pay 10%, at least €250, under all three plans. XL key loss has a 10% contribution, at least €100. Disability benefits depend on the degree of disability and the policy calculation. The maximum sum insured is not a fixed payment for every accident.
The amounts shown are the sums insured or limits for each benefit. Some benefits also have annual aggregate limits. See the official terms for full cover, exclusions and claims conditions.
Four things to check before applying
Eligibility for a temporary stay abroad
Check your age, nationality, permanent residence and arrival date. Confirm eligibility before applying if you are settling long term, extending cover or approaching 75.
Scope of rental property and key cover
Cover for rented immovable property does not cover every rented or borrowed item. Key cover is only included in XL and is subject to key type, liability scope and deductible restrictions.
The policy does not renew automatically
Apply for an extension before expiry if you need continuing cover. The total period, including extensions, cannot exceed 60 months.
Report accidents promptly
Keep photos, an account of what happened and the other party’s claim documents. Let the insurer assess liability before settling compensation. Avoid promising payments beyond your actual liability.
Apply in four steps
Prepare your identity details, arrival date, intended cover period and payment information.
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Check eligibility
Check your age, permanent residence and temporary stay abroad.
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Choose S, M or XL
Choose according to the liability limits, personal accident benefits and key cover you need.
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Check the price and submit
Enter your cover dates and payment details. Confirm the minimum premium and final total.
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Receive and save your policy
Check your name, plan, start date and payment status.
The official application outcome and insurance documents govern your cover. If the application page does not open correctly, use your usual mobile or desktop web browser.
What else would you like to know?
Short-term costs, the difference from health insurance, lost keys and ending cover.
Contact our teamShould I consider this if I already have health insurance?
Health insurance mainly covers your own medical expenses. Care Protector liability insurance handles eligible compensation claims by others, while M and XL also include personal accident benefits. Check your existing contracts first to see whether you already have equivalent cover.
If I only buy one month, does S cost €2?
S is priced at €2/month but has a €10 minimum premium. The minimum is €12 for M and €15 for XL. A short-term policy therefore does not necessarily cost just one month’s stated rate.
Can I pay monthly?
The official application states that monthly payment is available for a policy of at least 6 months when monthly SEPA direct debit is selected. Other methods may require payment for the full period upfront. Available options and the total cost are shown in the application.
Which plan covers lost rental keys?
XL includes eligible liability for losing another person’s keys, up to €1,000 per event, with a contribution of 10%, at least €100. Payment depends on the key type, legal liability and necessary costs such as lock replacement. Not every lost key or locksmith bill is covered.
Can young children be insured?
The official application sets special restrictions for children under 7: S is not available, and M or XL provides only the personal accident portion. Check the child’s age and the liability cover actually needed before applying.
How do I end cover if I return home early?
If you end your stay abroad early, you can request early termination in writing and provide the required evidence. The official FAQs state that eligible overpaid premiums can be refunded for complete months, less a €5 administration fee. The insurer’s processing determines the end date and refund.
Is the cover only valid in Germany?
The insurer describes this as international liability and accident cover during temporary stays abroad. “Abroad” and “home country” are defined in the terms. Contracts of at least one year may also include an eligible six-week period in the home country. Check your trip against your permanent residence, nationality and contract.
Official documents and claims services
This English content is a product summary. The policy and official terms govern full benefits, exclusions and deductibles.
Not sure which plan to choose?
Tell us your age, country and intended cover period, and whether you need accident, rental property or key cover. Email our team or use the Insurance support chat button on this website for general questions.
Online support in English
Use the Insurance support chat button on this website for general questions.
Email
[email protected]
Product services by Care Concept AG. STU Insurance provides product information and application assistance in English. The official insurance documents identify the insurer and contractual parties.
Eligibility, prices, insured amounts, deductibles and benefit conditions are governed by the official application, policy and terms.