EXPAT PRIVAT

Comprehensive Health Insurance for Long-Term Stays Abroad

Ideal for families

High quality insurance cover

Also for foreigners in Germany

Are you planning to move abroad, either alone or with your family?

Have you recently arrived in Germany and need comprehensive health insurance for your temporary stay? Are you looking for a plan that also covers visits to your home country?

With EXPAT PRIVATE you get international health coverage tailored to the needs of expats and their families. Whether you’re relocating for work, study, or personal reasons, this plan ensures comprehensive protection wherever life takes you.

YOUR EXPAT PRIVAT ADVANTAGES

  • Insurance cover for private individuals

  • Worldwide insurance coverage, except USA and Switzerland

  • The maximum insurable age is 66 years

  • The insurance cover may be terminated any time. In this case the insurance cover ceases at the end of the month following the month in which the notice of termination has been submitted to the policy holder.

  • Insurance cover in your home country if included under the chosen geographical area

  • Assistance and emergency services (e.g. multi-lingual emergency hotline)

  • Worldwide legal cover in case of medical malpractice

to online application

EXPAT PRIVAT BENEFITS

 

Outpatient Medical Treatments 100% ✓
Inpatient Medical Treatments 100% ✓
Pharmaceutical Products, Bandages and Remedies 100% ✓
Dental Treatments 100% ✓
Tooth Replacement/Orthodontic Treatment 80% ✓
up to 4,000 Euro per year
Preventive Medical Checkups 100% ✓
preventive medical check-ups for children and cancer screening
Vaccinations ✓
Children: General vaccinations 100%
Covid 19 Vaccination –
Pregnancy and Delivery 100% ✓
Infertility Treatments –
Aids and Appliances 80% ✓
up to 1.000 Euro per year
Visual Aids ✓
50 Euro per year
Eye Lasering –
Psychotherapy ✓
80% on outpatient trauma treatment,
up to 2,000 Euro per year
Patient Transports/Return Transports/Transfers ✓
Patient transport 100%, return transport and transfer in case of death up to a maximum amount of 5,000 Euro (intercontinental) and 10,000 Euro (cross-continental)
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

 
entitled Person

dependants
worldwide (limited for the USA, Canada and Switzerland)
(includes insurance coverage up to 42 days for stays in the USA, Canada and Switzerland)		 169 Euro 228 Euro
worldwide (limited for the USA and Switzerland)
(includes insurance coverage up to 42 days for stays in the USA and Switzerland and up to 365 days for stays in Canada)		 490 Euro 699 Euro

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

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

  • Treatment of illnesses related to drug abuse and rehabilitation

Pre-existing conditions are covered after a waiting period of one year without any medically necessary treatments.

Yes, EXPAT PRIVATE includes coverage for visits to your home country. The duration of coverage may depend on the policy terms, so it’s best to check the specific conditions for your country of residence.

Yes, EXPAT PRIVATE provides global coverage, including medical treatments abroad. However, some country-specific exclusions may apply, so we recommend checking the policy details for any restrictions.