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Studying & Training — Insurance for Young Adults | Hörz & Haapamäki | Hörz & Haapamäki — Das Versicherungshaus

Studies & Apprenticeship

Starting university or an apprenticeship changes your insurance coverage. We'll show you what matters now.

Insurance for Young Adults

When you turn 18 or finish your training, many young adults lose coverage under their parents' insurance. We help you build the right protection in time — affordable and tailored to your needs.

What You Need Right Now

Liability Insurance

No longer covered under your parents' policy after completing your training — the single most important insurance you can have.

Disability Insurance

The younger you are, the lower the premiums. Take out a policy now and benefit for life.

Household Contents Insurance

For your first apartment or shared flat — protects your belongings.

Health Insurance

Statutory or private health insurance? The decision you make at the start of your career has long-term consequences.

Who is this consultation particularly important for?

Students & Undergraduates

Affordable rates and sensible basic coverage during your studies.

Apprentices & Trainees

Disability Insurance and Liability Insurance from the very first day of your apprenticeship.

Parents of Students

Review of family insurance coverage and timely independent protection.

Which coverage is important?

Versichert

Personal Liability Insurance
Disability Insurance
Home Contents Insurance
Retirement Provision
Term Life Insurance

Nicht versichert

Unnecessary duplicate insurance policies
Over-insurance through excessive coverage amounts
Insurance policies without genuine need

How We Support You

Analyze Life Situation

We discuss your current situation, your plans, and your existing insurance coverage.

Determine Coverage Needs

Together we identify which insurance policies are important now and where gaps exist.

Secure Optimal Protection

You receive a personalized concept with the best rates from over 150 insurance companies.

Generally until the end of your first apprenticeship or degree program, up to a maximum age of 25 (health insurance). Similar rules apply for liability insurance.

Liability insurance is essential. After that, we recommend disability insurance — the younger you are, the more affordable it is.

During your first degree program, you are often still covered under your parents' insurance — be sure to check this. At the latest, once you have your own income or after turning 25, you will need your own policy.

Health and long-term care insurance as special expenses, liability and disability insurance as retirement provision expenses. Even if the tax savings are modest at first — the premiums are still worthwhile.

Advice for Career Starters

Free and non-binding — especially for young people.

Start with the right coverage

We advise young people on affordable insurance solutions.

Book an appointment Call us