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Expat Business

Health insurance for expatriates and employees of international companies.

Foto: Valerii Apetroaiei, AdobeStock

When a company sends  an employee on a foreign assignment it bears great responsibility towards that employee. The employer must prepare its employee for the assignment as it has the duty of care. This includes offering a decent health insurance package. For this target audience BDAE has designed a high-quality health insurance concept with worldwide eligibility, the comprehensive tariff EXPAT BUSINESS offering additional benefit options.

You will be expatriated by your employer for a few years and you are now looking for a comprehensive health insurance product including cover for pre-existing conditions and also for visits to your home country? BDAE now offers EXPAT BUSINESS, the perfect international health insurance cover for your employment abroad.

  • Maria Santos needs physiotherapy

    Maria is a 35-year-old Brazilian architect who has been hired by a renowned architecture firm in Berlin. She is excited about the opportunity to work on innovative projects in Germany. After a few months in Germany, Maria is involved in a bicycle accident while on her way to work. She suffers several fractures and needs an operation followed by physiotherapy. Maria's EXPAT BUSINESS health insurance proves invaluable as it covers in-patient treatment, surgery and subsequent physiotherapy sessions. The insurance also provides cover for medical aids required during her recovery process. Thanks to the insurance, Maria can focus on her recovery and rehabilitation without having to worry about the financial burden that could have resulted from the accident.

  • Lukas Weber goes to Tokyo despite diabetes

    Lukas is a 28-year-old German software developer. He works for a multinational IT company and has been seconded to their Tokyo office for a project lasting at least two years. Lukas has suffered from diabetes for several years and fears that this pre-existing condition could prevent him from travelling abroad. Thanks to EXPAT BUSINESS international health insurance, Lukas can travel without fear.

    In fact, most pre-existing conditions are covered. BDAE covers his visits to specialists, prescribed medication and the necessary tests to monitor his diabetes. This comprehensive cover allows Lukas to manage his pre-existing condition well and focus on his work in the demanding technological environment of Tokyo.

  • Amir Al-Mansoori needs psychotherapeutic help

    Amir is a 40-year-old mechanical engineer from the United Arab Emirates who works for a German automotive company. He was sent to the company's headquarters in Munich for a two-year project.

    During his stay in Germany, Amir experiences a traumatic event that requires ongoing psychotherapy sessions due to the emotional stress it has caused. Amir is relieved to discover that his EXPAT BUSINESS health insurance covers psychotherapy at 80 per cent of the cost up to certain limits. This cover ensures that Amir receives the necessary medical care and support to deal with his situation. This in turn enables him to perform well in his job despite the challenging situation.

  • Anna Müller has dental problems in Singapore

    Anna is a 32-year-old German marketing manager who works for an international technology company. She has been seconded to the company's Singapore office for a three-year project. One year into her assignment, Anna develops a severe toothache due to an unexpected dental problem. She needs immediate dental treatment, which includes a root canal and a dental crown. Without the right insurance cover, the cost of dental treatment in Singapore is high and would put a strain on her finances. Fortunately, Anna's EXPAT BUSINESS health insurance covers dental treatment, including dentures, up to 80 per cent of the cost. She gets the dental treatment she needs without having to worry about the financial burden. This benefits her overall well-being and ensures that she can continue to concentrate on her professional duties.

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: ©


Expat Business
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

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 -
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
in the case of secondment abroad
Legal Expenses Insurance for Patients
Medical Assistance
Maximum Annual Amount

Monthly premium

  Entitled employees Dependants
worldwide (limited for USA, Canada and Switzerland)
(includes insurance coverage up to 42 days for stays in the USA, Canada and Switzerland)
170 Euro 226 Euro
worldwide (limited for Switzerland)
(includes insurance coverage up to 42 days for stays in Switzerland and up to 365 days for stays in the USA and Canada)
834 Euro 1.146 Euro

Product Information

  • Insurance cover for employees of international companies
  • Worldwide vadility, except Switzerland
  • The maximum insurable age is 66 years
  • 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.

  • Rehabilitation and Stays in Spas or Cure Centers
  • Infertility Treatment and all related check-ups
  • Immunisation Treatment
  • Treatment of illnesses related to drug abuse and rehabilitation