The only international health insurance that allows you to secure your current state of health for a later start abroad through the prospective entitlement option within the EXPAT INFINITY tariff.
Prospective entitlement gives you access to comprehensive international health insurance without activating the coverage immediately. Your medical assessment is carried out once at the time of application and remains valid even if you activate your policy at a later stage.
This option is ideal for individuals planning a long-term stay abroad but who do not require active insurance coverage right away. It enables a smooth transition – without new medical examinations and without the risk of rejection due to changes in your health over time.
PROSPECTIVE ENTITLEMENT ADVANTAGES
The prospective entitlement is the only option to secure your current health status today and start international coverage later without a new assessment.
MONTHLY PREMIUM
| Age | Monthly Premium |
|---|---|
| 0–10 years | 24 € | 11–20 years | 24 € | 21–25 years | 26 € |
| 26–30 years | 30 € |
| 31–35 years | 35 € |
| 36–40 years | 39 € |
| Age | Monthly Premium |
|---|---|
| 41–45 years | 44 € | 46–50 years | 48 € | 51–55 years | 54 € |
| 56–60 years | 63 € |
| 61–65 years | 73 € |
| 66–70 years | 86 € |
| Age | Monthly Premium |
|---|---|
| 71–75 years | 104 € | 76–80 years | 130 € | 81–85 years | 160 € |
| > 85 years | 206 € |
The monthly premiums shown may vary depending on your individual tariff configuration and personal details.
We therefore recommend requesting your personal, binding offer through our online application.
Examples for Using the Prospective Entitlement
1. Protection until the decision to live abroad permanently is made
After completing an international assignment, a person may wish to extend their stay abroad for private reasons or even settle permanently in their new home country.
The prospective entitlement ensures access to full coverage at a later date – without any new medical examination and based on the health status assessed at the time of application.
2. The initially checked state of health remains valid until activation
A self-employed individual builds a business abroad and starts with a limited-term basic health plan.
If the business develops well, the prospective entitlement can later be converted into EXPAT INFINITY without any limitation of the insurance period and without a new health check.
The future premium will be based solely on the health status at the time the entitlement was taken out.
3. Temporary return to Germany: coverage can be suspended
Someone insured under EXPAT INFINITY wishes to return to Germany for a short period.
The prospective entitlement allows the foreign health insurance to be paused during this time.
The person only pays the lower prospective-entitlement premium instead of the full EXPAT INFINITY contribution.
Upon returning abroad, the original coverage continues without a new medical examination.
Contact
Address
Christou Samara 27 Apt 101
7060 Larnaca, Cyprus
+49 157 57 186029 (DE)
+357 99 729 266 (CY)
info@myglobalcare.com