EXPAT FLEXIBLE

Affordable alternative to existing public or private health insurance coverage for globetrotters and workers abroad

Affordable basic coverage

Cancelable monthly

Can be taken out abroad

Are you planning to work or live abroad and need a flexible and affordable health insurance solution?

EXPAT FLEXIBLE offers basic coverage that can easily be tailored to your needs – whether you’re working, traveling, or exploring the world. With added benefits like home country visits is this plan perfect for individuals who want peace of mind wherever life takes them.

YOUR EXPAT FLEXIBLE ADVANTAGES

  • Enjoy comprehensive health protection wherever you go, including coverage for temporary stays in your home country (with specific limitations).

  • Whether you’re already abroad or planning to leave, signing up for Expat Flexible is simple and straightforward.

  • Benefit from personal and direct customer service, ensuring quick and efficient assistance when you need it most.

  • Stay protected even during global crises, as Expat Flexible includes coverage for pandemic-related healthcare needs.

  • Unlike other plans, Expat Flexible does not exclude specific professions (except competitive athletes).

  • Coverage extends to short-term visits to your home country, giving you peace of mind no matter where you are.

  • Add legal protection to your plan to secure your rights as a patient.

to online application

BENEFITS and VARIANTS

EXPAT FLEXIBLE
BASIS
EXPAT FLEXIBLE
PLUS
Outpatient Medical Treatments ✓ ✓
Inpatient Medical Treatments ✓ ✓
Pharmaceutical Products, Bandages and Remedies ✓ ✓
Dental Treatments ✓ ✓
Tooth Replacement/Orthodontic Treatment – ✓
Preventive Medical Checkups – ✓
Vaccinations – –
Covid 19 Vaccination – –
Pregnancy and Delivery – –
Infertility Treatments – –
Aids and Appliances – ✓
Visual Aids – ✓
Eye Lasering – –
Psychotherapy – –
Patient Transports/Return Transports/Transfers ✓ ✓
Follow-Up Liability ✓ ✓
Congenital Medical Conditions – –
Legal Expenses Insurance for Patients ✓ ✓
Medical Assistance ✓ ✓
Feel Good Package – –
Maximum Annual Amount ✓ ✓

The comparison table provides you with a general overview regarding the volume of insurance benefits. It does not replace the insurance terms and conditions of individual products. The scope of benefits as well as the benefits covered vary from product to product and are dependent on the product variant selected. For more information, hover over any of the information icons or select the more detailed view. Complete information can be found in parts I and II of the Terms and Conditions of Insurance.

MONTHLY PREMIUM

EXPERT FLEXIBLE
BASIS
EXPERT FLEXIBLE
PLUS
Zone 1 134 Euro 181 Euro
Zone 2 145 Euro 210 Euro

Please note that the entire monthly premium is due upon signing the contract, regardless of the date of the signing.

Because medical treatment costs vary significantly across different countries worldwide, the EXPAT FLEXIBLE plan is structured into two country zones. This ensures that insurance premiums are fairly calculated based on the healthcare expenses typical of your location and lifestyle.

For details on country assignments, please consult the table below:

Not included in insurance cover

Openness and transparency are values we promote in our daily business. These values are a precondition for trust. Therefore you will find the most important benefits and exclusions of our insurance cover on the right side.

  • Insurance claims occured or existing prior to the start of the insurance coverage and as well as for insurance claims occured during the waiting period (pre-existing illnesses and existingneed for treatment)

  • Treatments based on infirmity and a need for care or custody

  • Treatments due to sterility and artificial insemination as well as preliminary examinations

  • Treatments of mental or psychological disorder and diseases, psychotherapy, psychosomatic treatments like hypnosis and autogenic training and as well as suicide attemps and their consequences

  • Immunisation measures

  • Benefits in connection with pregnancy and delivery

  • Withdrawal treatments inclusive of withdrawal cures and treatments of a dependency syndrome

Please refer to the Terms and Conditions Part I and II for an elaborate list of exclusions.

Yes, Expat Flexible offers monthly cancelation for your convenience.

This plan provides worldwide coverage, with certain restrictions for extended stays in your home country.

Dental care is optional and can be added based on your needs.