EXPAT SMART

The affordable health insurance for life abroad

Affordable basic coverage

Three benefit options

Can be taken out abroad

Are you planning to live, work or travel abroad for a longer period of time and are looking for affordable health insurance that is valid worldwide and can be customised to suit your individual needs?

EXPAT SMART offers you affordable basic cover with individual customisation options that can even be taken out from abroad. It is particularly suitable for people who want to stay abroad for a limited period of time.

Exclusive: With the Feel Good Package, our Expat Smart policyholders can take advantage of a comprehensive counselling service on topics relating to physical and mental well-being.

YOUR EXPAT SMART ADVANTAGES

  • 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. Special conditions apply 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 SMART
BASIC
EXPAT SMART
CLASSIC
EXPAT SMART
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.

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:

MONTHLY PREMIUM

EXPAT SMART
BASIS		 EXPAT SMART
CLASSIC		 EXPAT SMART
PREMIUM
Adults from 64 € from 81 € from 162 €
Children/Teenager 51 € 64 € 130 €

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

EXPAT SMART INFORMATION

  • Insurance cover for private individuals (e.g. world travellers, digital nomads)

  • Maximum insurable age is 74 years

  • Maximum insurance term 3 years with possible extension up to 5 years

  • Termination of insurance one month to the end of the following month

  • Assistance services (e.g. multilingual 24-hour emergency number)

  • Worldwide patient legal protection insurance

  • Feel Good Package: free counselling services relating to mental and physical well-being

Country zones and age groups
Because the costs of medical treatment vary from country to country around the world and the average claims rate of an insured group increases with age, the EXPAT SMART product has three country zones and a premium scale according to age groups. In this way, we offer our customers the greatest possible fairness in the level of insurance premiums according to their life situation.

to online application

SPECIAL REGULATIONS FOR THAILAND

Due to the significant increase in healthcare costs in Thailand, our insured persons have to bear a 20 per cent deductible for planned treatments at certain hospitals and practices (except for emergency and accident-related treatments).

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 existing need 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

An accident occurs when the insured person suffers involuntary damage to their health as a result of a sudden external event affecting their body. The term accident therefore contains five characteristics: Event, damage to health, sudden, external, involuntary. In addition, this accident requires immediate medical measures and immediate treatment for the insured person. Immediate means within 48 (forty-eight) hours of the direct cause of the accident.

A life-threatening emergency is when a sudden, unforeseeable event or an acute deterioration in health occurs that, without immediate medical attention, would in all likelihood:

  • directly cause death,
  • directly cause serious permanent damage to health, or
  • directly cause significant impairment of the functionality of vital organs.

The following are not deemed to be emergencies:

  • conditions or complaints that do not pose an immediate threat to life,
  • illnesses that can be scheduled for diagnosis or treatment, such as chronic illnesses,
  • situations that can be treated at a later date without risking serious health consequences.