Health insurance for expatriates and employees of international companies.

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 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 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 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.