Skip to main content

Expat Cash

This product has been designed for employees of international companies. It replaces or enhances the compulsory daily sickness allowance of the German health care system offering worldwide cover of up to 150 Euro daily allowance during illness.

F.A.Z. - Institut - Excellent customer loyalty | 2022 and 25 years BDAE

The BDAE advantage

  • You can enter into our insurance contracts from abroad.
  • You can always count on BDAE 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!

Foto: ©


  • Payment of a daily sickness allowance upon a medically attested 100% incapability to work
  • up to 150 EUR daily

Monthly premium

 Tarif (Example of monthly premiums applicable for a daily illness allowance of 5 Euro): Premium Qualifiying period
Expat Cash 14 7,60 Euro 14
Expat Cash 42 0,90 Euro 42
Expat Cash 91  0,55 Euro  91
Expat Cash 183  0,25 Euro  183

Product information

  • Insurance cover for employees of international companies
  • Payment of a daily sickness allowance upon a medically attested 100% inability to work
  • Worldwide vadility
  • Up to 150 Euro daily
  • Maximum insurable age is 66 years

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.

  • pre-existing conditions for non-expatriates

The exclusions for employess who fall under the legally defined category of  "expatriates“ are restricted to the following pre-existing conditions:   

  • HIV infections / AIDS and subsequent illnesses
  • Cancerous conditions and benign tumors requiring treatment within 5 years prior to the inception date
  • Heart conditions and coronary illnesses which existed 12 months prior to the inception date