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Au pair insurance in comparison

Key criteria to help you identify good au pair insurance plans.

Find your personal best choice

So far, consumer protection organizations and trade magazines such as Finanztest and Ökotest have not published any comparisons of au pair insurance policies. However, it makes sense to compare policies, as the benefits offered by au pair insurance policies vary greatly in detail.

A basic distinction is made between au pair insurance for German au pairs who go abroad (outgoing au pair insurance) and au pair insurance for foreign au pairs in Germany (incoming au pair insurance).

Insurance for foreign au pairs in Germany is usually taken out by the host family. Therefore, the requirements should be tailored not only to the au pair, but also to the wishes of the host family.

Au pair insurance checklist

As experts in au pair insurance with many years of experience, we would like to highlight five important points to consider when comparing incoming au pair insurance policies:

1. Comprehensive insurance coverage

Good au pair insurance consists of travel health, accident, and liability insurance.

2. Travel health insurance

Travel health insurance should cover outpatient and inpatient treatment as well as medically necessary rehabilitation measures. It is good if pre-existing conditions of the au pair are not generally excluded.

3. Accident insurance

Accident insurance provides benefits in the event of death or disability.

4. Liability insurance

Liability insurance protects both the au pair and the host family. Good liability insurance consists of two components: personal liability insurance, which covers the au pair during their leisure activities, and professional liability insurance, which covers damage caused while performing au pair duties. In addition to property damage, the insurance should also cover personal injury caused by the au pair to the host parents, their children, and other persons living in the household.

5. Direct billing to the doctor

Although not necessary, it is helpful in the event of an accident to be able to bill the doctor directly. This means that the au pair or host family does not have to pay upfront with their own money.

You can use this checklist for au pair insurance to compare different policies and choose the one that best suits your needs. AU-PAIR24 meets all of the above criteria for good au pair insurance. If you are still not convinced, you can read our customer reviews