EXPAT INFINITY

Lifelong international health insurance valid worldwide with flexible options

Lifelong Eligibility for Insurance Coverage

Great Fairness Based on Individualisation

Previous Diseases Insurable

YOUR EXPAT INFINITY ADVANTAGES

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

  • Treatments of mental or psychological disorder and diseases, psychosomatic treatments like hypnosis and autogenic training as well as suicide attempts and their consequences
  • You can enter into our insurance contracts from abroad
  • You can always count on 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!
to online application

BENEFITS and VARIANTS

EXPAT INFINITY
BASIC
EXPAT INFINITY
CLASSIC
EXPAT INFINITY
PREMIUM
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.

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.

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

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

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

  • In the case of professional participation in competitions, a separate risk assessment is carried out.
  • In some individual cases, however, the risk surcharge may be so high that unfortunately an insurance offer cannot be made

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

This depends on the specific circumstances of the individual case and always requires a case-by-case assessment. As a rule, health insurance abroad does not cover care that can be specifically attributed to the need for care or if an insured person is staying in a care facility.

Health insurance abroad serves the therapeutic restoration of health and not the provision of nursing care. Thus, according to the terms and conditions of the contract, we must terminate the insurance if such a permanent case of long-term care occurs and cannot provide any benefits for it.

In Germany, long-term care insurance follows the health insurance system. This means that compulsory long-term care insurance is always included in the statutory health insurance (GKV) and people who take out private health insurance must also take out private long-term care insurance. If you need long-term care in Germany, the long-term care insurance automatically kicks in.

We does not offer long-term care insurance for people living abroad, so we cannot cover the risk of needing long-term care. Since Germany was very progressive and far-sighted in terms of long-term care insurance, but only a few countries worldwide have followed this example and offer long-term care insurance, unfortunately, to our knowledge, there are no alternatives for private solutions locally in the respective country of residence.

The statutory health insurances at least offer the possibility to put the health and long-term care insurance on hold (so-called qualifying period), so that waiting periods are maintained. With private providers, however, only health insurance, not long-term care insurance, can be put on probation. If you want to be on the safe side, you should continue to pay contributions to long-term care insurance.

The Basic variant of the EXPAT INFINITY international health insurance, which can be taken out lifelong, is a basic cover that includes inpatient treatment and also covers, for example, repatriation. The Classic and Premium variants are more comprehensive products that also include, for example, outpatient medical treatment and other benefits (dentures, preventive check-ups, etc.).

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.