Hotline
+49-40-30 68 74-23

Low cost health insurance for foreign nationals in Germany

health protection in home country and worldwide: international coverage
no questions on health status when applying for cover within 31 days after entering Germany
very flexible: short-term cancellation
Worldwide legal cover in case of medical malpractice
compliant to EU rules: accepted by authorities

We will be happy to assist you:

+49-40-30 68 74-23

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Important requirement for residence permit

Your first priority after arriving to Germany should be your health insurance. German hospitals, doctors and also medication are very expensive and while emergencies and sickness insurance cover is mandatory for everyone, the insurance cover must also be compliant with Article 15 of Regulation (EC) No. 810/2009 (the so called visa codex). German authorities usually ask for a certificate of compliance with these legal requirements.

Our insurance products EXPAT FLEXIBLE , EXPAT PRIVATE and EXPAT VISIT meet and exceed the legal requirements. Thus, foreign nationals and their family members benefit from insurance cover in Germany, worldwide (also in Schengen countries) and can be partly be insured even in their home countries. Even in the case foreign nationals don't need a visa for Germany, they are required to possess insurance cover. Anyone working in Germany has to provide evidence of being covered before starting to work.

BDAE health insurance products are suitable for foreign citizens working as freelancers or entrepreneurs in Germany. We also provide the insurance certificate you need for German authorities.

BDAE offers health insurances for following target groups:

self-employed construction workers and craftsmen
self-employed nursing staff
scientists and tutors
Employees of foreign public authorities (e.g. tourism boards)
Freelancers

Check our insurance products altogether

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

Basic Cover
Expat Germany

from 75€
a month

Affordable private health insurance for stays in Germany and abroad.

choose product selected

Premium Cover
Expat Private

from 153€
a month

Comprehensive insurance cover for single persons or families living and working in Germany.

choose product selected

Short-term visitors
Expat Visit

from 1,10€
a day

Very low cost insurance cover for family membersvisiting their relatives in Germany.

choose product selected

Benefits	Basic Cover Expat Flexible	Premium Cover Expat Private	to be visiting Expat Visit
Worldwide Application
Outpatient Treatment
Inpatient Treatment	as private patient in twin-bed room	as private patient in twin-bed room	as private patient in twin-bed room
Pharmaceuticals and Medicals			up to 300 Euro each insurance year
Dental Treatment			limited up to 500 Euro each insurance year
Tooth Replacement	60% up to 1.200 Euro (only with additional module "Expat Flexible Plus")	80% up to 4.000 Euro	50% up to 250 Euro each insurance year
Outpatient medical check-up for the early recognition of cancer	(only with additional module "Expat Flexible Plus")
Maternity and Childbirth
Medical Aids in simple form and repair costs	80 % up to 1.000 Euro	80% up to 1.000 Euro	Medically necessary crutches and rental costs of a wheelchair
Psychotherapy		80% up to 2.000 Euro
Visual aids	50 Euro (only with additional module "Expat Flexible Plus")	50 Euro per insurance year
Local Ambulance
Medical Evacuation

all benefits in comparison

your selection:

- health insurance cover for foreigners in Germany (e.g. self-employed construction workers and craftsmen, nursing staff and freelancer)
- insurance cover in Germany and in EU- and Schengen countries
- compliant to EU rules
- maximum insurance age is 66
- maximum term of insurance relationship is 5 years
- insurance relationship can be terminated at any time and shall end upon expiry of the month following the month of termination
- Assistance and emergency services (for instance: multilingual 24-h emergency hotline)
- Worldwide Patient Legal Expenses Insurance
Downloads
- Terms and Conditions Expat Germany
- Infosheet Expat Germany

Outpatient Treatment	100%
Inpatient Treatment	100%
Pharmaceuticals and Materials	100%
Dental Treatment	100%
Local Ambulance Transport	100%
Medical Evacuation	for up to 250,000 Euro per insurance event
Repatriation of mortal remains	up to 10,000 Euro
Medical assessment via DoctorChat (Medical Assistant “Emma”)	free of charge

Additional benefits Expat Germany Plus

Tooth Replacement of the tooth scale limits after the expiry of waiting periods	60%
Medical Aids in simple form and repair costs	80% up to 1,000 Euro per year
Outpatient medical check-up for the early recognition of cancer	100%
Prescribed Glasses and Contact Lenses	50 Euro per year

EXPAT GERMANY
BASIS EXPAT GERMANY
PLUS

Germany 75 Euro 115 Euro

Please note that the entire monthly premium is due upon signing the contract, regardless of the date of the signing.
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
- Psychiatry and psychotherapy, self-inflicted injuries
- Maternity and childbirth

	EXPAT GERMANY BASIS	EXPAT GERMANY PLUS
Germany	75 Euro	115 Euro

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your selection:

- 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
Downloads
- Terms and Conditions Expat Private
- Infosheet Expat Private

Outpatient Treatment	100%
Inpatient Treatment	100% Worldwide accommodation as a private patient in a shared room
Pharmaceuticals and Materials	100%
Dental Treatment	100%
Tooth Replacement	80% of the tooth scale limits after the expiry of waiting periods
Outpatient medical check-up for the early recognition of cancer	100%
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	50 Euro per year
Psychotherapy	80% on outpatient trauma treatment with a limit of 2,000 Euro per year
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

	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)	153 Euro	207 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)	445 Euro	635 Euro

Please note that the entire monthly premium is due upon signing the contract, regardless of the date of the signing.

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

back to selection

your selection:

- Foreign guests visiting Germany or any other European country
- German nationals travelling worldwide
- Business trips are not insurable
- Contract of insurance must be concluded prior to the departure
- In case of trips to Germany, contract can be concluded within 10 days after the entry
- Maximum insurable age is unlimited
- maximum duration of the insurance are 365 days
Downloads
- Infosheet Expat Visit
- Terms and Conditions Expat Visit

Outpatient Treatment including x-ray diagnostics	100%
Inpatient Treatment	100%
Prescribed pharmaceuticals and materials	100%
Prescribed massages, medical packages and inhalations	up to 300 Euro per year
Pain-relieving dental treatment including fillings in simple form	up to 500 Euro per year
Tooth Replacement under consideration of the tooth scale limits and after the expiry of waiting periods	50% up to 250 Euro
Maternity and Childbirth	100%
Medical aids	Medically necessary crutches and rental costs of a wheelchair
Repatriation of mortal remains	up to 10,000 Euro

	EXPAT Visit excluding USA/Canada	EXPAT Visit including USA/CANADA
up to 64 years	1.10 Euro per day	3.30 Euro per day
from 65 years	3.30 Euro per day	9.90 Euro per day
from 75 years	5.50 Euro per day	16.50 Euro per day

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 elaborate benefit details.
- Medical conditions which arose or existed prior to the insurance cover or during the waiting period
- Treatments on the occasion of a professional activity abroad treatments
- Treatments of affective disorders or mental diseases as well as for psychosomatic treatments (e.g. hypnosis, autogenic training) and psychotherapy
- Diseases or accidents resulting from willful acts including suicide or attempted suicide and addiction, like alcohol, drugs etc.; and consequences of such diseases or accidents, as well as for detox and physical withdrawal
- The purchase of adjuvants, like e.g. glasses, contact lenses, insoles, prostheses, etc.
- Health damages and death due to acts of war and civil commotion Rehabilitation and stays in spas or cure centers Treatment by relatives
- Accommodation due to nursing dependency or custody

apply for insurance

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Our service team for private clients (This email address is being protected from spambots. You need JavaScript enabled to view it.) is looking forward to serve and advise you about our health insurance products for foreign nationals in Germany.

We also provide the insurance certificate you need for German authorities. Just call us!

Phone: +49-40-30 68 74-23

E-Mail: This email address is being protected from spambots. You need JavaScript enabled to view it.

BDAE - Because we care!

Since 1995, BDAE provides insurance coverage for families, immigrants, single persons, globetrotters, expats, emigrants and retired persons all over the world. Our health insurance products provide coverage in all countries, including your native country.

Low cost health insurance for foreign nationals in Germany

Important requirement for residence permit

Check our insurance products altogether

Basic Cover Expat Germany

Premium Cover Expat Private

Short-term visitors Expat Visit

your selection:

Downloads

Additional benefits Expat Germany Plus

your selection:

Downloads

your selection:

Downloads

BDAE - Because we care!

Basic Cover
Expat Germany

Premium Cover
Expat Private

Short-term visitors
Expat Visit