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International health insurance

Expat Business Premium

F.A.Z. - Institut - Excellent Service - 02 | 2021 and 25 years BDAE

Regardless of the length of an employee’s assignment abroad, his/her employer is always responsible for issues concerning social security. Depending on the work contract and the country, the expatriate could drop out of the social security system of the country of origin.

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 PREMIUM, the perfect international health insurance cover for your employment abroad.


Outpatient Treatment 100%
Inpatient Treatment 100% 
Worldwide accommodation as a private patient in a single room
Pharmaceuticals and Materials 100%
Dental Treatment 100%
Tooth Replacement of the tooth scale limits after the expiry of waiting periods 90%
Outpatient medical check-up for the early recognition of cancer 100%
General medical check-ups with a limit of up to 300 Euro per year
Travel Vaccinations up to 250 Euro per year
Maternity and Childbirth 100%
Medical Aids in simple form and repair costs 80% up to 2,000 Euro per year
Prescribed Glasses and Contact Lenses 600 Euro every three years
Psychotherapy 80% on outpatient trauma treatment with a limit of 2,000 Euro per year and a total limit of 30 days during the overall policy period for inpatient treatment
Local Ambulance 100%
Medical Evacuation for up to 250,000 Euro per claim
Repatriation of mortal remains up to 10,000 Euro
Medical assessment via DoctorChat (Medical Assistant “Emma”) free of charge

Product Information

  • Insurance cover for employees of international companies
  • Worldwide vadility, except Switzerland
  • 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

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 in Switzerland)
229 Euro 322 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)
828 Euro 1.093 Euro

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