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Expat Private

Comprehensive health insurance cover for expats and immigrants.

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Icon Family
Ideal for families
Icon High quality insurance cover
High quality insurance cover
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Also for foreigners in Germany

You are planning to move abroad alone or with your family or you have just arrived in Germany and are planning to live and work here temporarily? And you are now looking for a comprehensive health insurance product including cover for visits to your home country?

BDAE now offers EXPAT PRIVATE, the perfect international health insurance cover for you and your family!


Benefits and variants

Expat Private
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 up to a maximum amount of 250,000 Euro per insured event, transfer in case of death up to a maximum amount of 10,000 Euro
Follow-Up Liability
Congenital Medical Conditions -
Legal Expenses Insurance for Patients
Medical Assistance
Maximum Annual Amount -

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.

Product Information

  • 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

Not included in insurance cover

Openness and transparency are values the BDAE Group promotes in its daily business. These values are a precondition for trust. Therefore you will find below the most important exclusions from our insurance cover. Please refer to the Terms and Conditions Part I and II for an elaborate list of exclusions.

  • 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