PROSPRECTIVE ENTITLEMENT
Your foreign health insurance for the future on the basic of today’s state of healthy
Prospective Entitlement – Flexible Start for Future Expats
The only international health insurance with the option to prospective entitlement. So you can secure future access to a comprehensive health insurance plan without activating it immediately. Instead, your application – including your current state of health – will be assessed once. This assessment remains valid until you later decide to activate cover.
This option is ideal for people who are planning a permanent move abroad but don’t want to take out full cover from the outset. It ensures a smooth transition without the need for new medical examinations or the risk of rejection due to health changes.
MONTHLY PREMIUM
AGE GROUP |
MONTHLY PREMIUM |
|---|---|
| 0-10 | 24 Euro |
| 11-20 | 24 Euro |
| 21-25 | 26 Euro |
| 26-30 | 30 Euro |
| 31-35 | 35 Euro |
| 36-40 | 39 Euro |
AGE GROUP |
MONTHLY PREMIUM |
|---|---|
| 41-45 | 44 Euro |
| 46-50 | 48 Euro |
| 51-55 | 54 Euro |
| 56-60 | 63 Euro |
| 61-65 | 73 Euro |
| 66-70 | 86 Euro |
AGE GROUP |
MONTHLY PREMIUM |
|---|---|
| 71-75 | 104 Euro |
| 76-80 | 130 Euro |
| 81-85 | 160 Euro |
| >85 | 206 Euro |
Please note that the entire monthly premium is due upon signing the contract, regardless of the date of the signing.
PRODUCT INFORMATION
Examples for Using the Prospective Entitlement
Situations where a prospective entitlement to the benefits of the foreign health insurance EXPAT INFINITY represents a reasonable and forward-thinking solution are numerous. Here are some possible scenarios:
The prospective entitlement offers a safeguard until the time when you finally decide to live abroad permanently.
After the end of service for his or her company, an expatriate wants to extend the stay abroad for private reasons or even stay in the new home country forever.
The prospective entitlement enables him or her to obtain coverage – without the necessity of a new health checkup – on the basis of the state of health that existed at the time when the prospective entitlement was subscribed for.
The initially checked state of health remains valid until the time of the activation of the insurance
A self-employed person sets up his or her business abroad and has concluded a fixed-term basic insurance for the initial period. The business is going well so that the person can decide to stay abroad in the long run.
After the end of the term of the basic insurance, the prospective entitlement may be converted into EXPAT INFINITY where the coverage period is not subject to any limitation. The amount of the insurance premium depends upon the state of health that existed at the time when the prospective entitlement was subscribed for.
In the event of a temporary return to Germany, the foreign health insurance may be temporarily suspended via the prospective entitlement
A person living abroad and covered by EXPAT INFINITY wants to come back to Germany for some time. After his or her return, the person wants to continue to maintain his or her foreign health insurance under the same terms and conditions.
The prospective entitlement to Expat Infinity offers the possibility to “take a break”. Thus, the person pays the lower amounts, rather than the premiums of EXPAT INFINITY, during his or her stay and Germany. When reviving Expat Infinity, no new health checkup will be necessary.
