EXPAT GERMANY

Flexible and Affordable Health Insurance for Expats and Travelers in Germany

For foreigners in Germany

Meets requirements for Schengen visa (compliant to EU rules)

Insurance cover in Germany and in EU- and Schengen countries

Are you planning to work in Germany for a few months or years?

The EXPAT GERMANY has been specially developed for foreigners who come to Germany and want to stay here for up to five years. Expat Germany is a solid basic insurance policy that can be supplemented by a flexible module and also includes treatment in EU countries and Schengen states. Insurance cover is also granted for a certain period outside these countries if the stay abroad is for vacation or work-related reasons.

All nationalities within Europe and worldwide who are not subject to compulsory insurance in Germany can be insured. The Expat Germany product is suitable for example for:

self-employed construction workers and craftsmenself-employed nursing staffScientists and lecturersEmployees of foreign authorities (e.g. tourism sector)Freelancers

YOUR EXPAT GERMANY ADVANTAGES

  • You can enter into our insurance contracts from abroad.

  • You can always count on BDAE experts for support. No being stuck with a call-center agent.

  • You will always be covered by our insurance – even during a pandemic.

  • You can count on our insurance services – regardless of your occupation. There are special features in the case of professional participation in competitions.
  • Your international medical insurances will also include patient legal protection.
  • You’re planning a trip home? Our insurances will even cover your stay in your home country!

BENEFITS and VARIANTS

 

 
EXPAT GERMANY
BASIS
EXPAT GERMANY
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 GERMANY
BASIS
EXPERT GERMANY
PLUS
GERMANY 83 Euro 123 Euro

 

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

PRODUCT INFORMATION

  • health insurance cover for foreigners in Germany (e.g. self-employed construction workers and craftsmen, nursing staff and freelancer)

  • insurance cover in Germany and in EU- and Schengen countries

  • compliant to EU rules

  • maximum insurance age is 66

  • maximum term of insurance relationship is 5 years

  • insurance relationship can be terminated at any time and shall end upon expiry of the month following the month of termination

  • Assistance and emergency services (for instance: multilingual 24-h emergency hotline)
  • Worldwide Patient Legal Expenses Insurance
to online application

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.

  • Medical conditions which arose or existed prior to the insurance cover or during the waiting period

  • Rehabilitation and stays in spas or cure centers

  • Infertility treatment and all related check-ups

  • Psychiatry and psychotherapy, self-inflicted injuries

  • Maternity and childbirth

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

No, EXPAT GERMANY insurance does not have a deductible.

Yes, EXPAT GERMANY insurance must be taken out within 31 days of entering Germany, the EU, Switzerland or Liechtenstein.

The annual maximum amount is the sum of all costs covered in total per insurance year. Any bills exceeding this sum must be paid by the insured person himself. In the Classic and Premium product variants of the lifelong EXPAT INFINITY international health insurance, there is no limit to the maximum annual amount.