Health Insurance
Prospective Entitlement
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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:
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
| Benefit |
Expat Germany Basic Cover |
Expat Private Premium Cover |
Expat Visit Short-term visitors |
|---|---|---|---|
| Outpatient Medical Treatments | - | 100 % | - |
| Inpatient Medical Treatments | - | 100 % | - |
| Pharmaceutical Products, Bandages and Remedies | - | 100 % | - |
| Dental Treatments | - | 100 % | - |
| Tooth Replacement/ Orthodontic Treatments | - | 80 % up to 4,000 Euro per year | - |
| Preventive Medical Checkups | - | 100% preventive medical check-ups for children and cancer screening | - |
| COM_CCK_IMPFUNGEN | - | Children: 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 inclusive of Eyesight Test | - | 50 Euro per year | - |
| Eye Lasering | - | - | - |
| Psychotherapy | - | 80% on outpatient trauma treatment up to 2,000 Euro per year | - |
| Patient Transports/Return Transports/Transfers | - | Ambulance Transport 100 %, Return Transport up to 250,000 Euro per insured event, Transfers in case of death up to 10,000 Euro | - |
| Follow-Up Liability | - | - | |
| Pre-existing conditions | - | - | - |
| Legal Expenses Insurance for Patients | - | - | |
| Medical Assistance | - | - | |
| Maximum Annual Amount | - | - | |
BDAE_IHR_GEWAEHLTER_TARIF: Expat Germany
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- 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
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Outpatient Medical Treatments - Inpatient Medical Treatments - Pharmaceutical Products, Bandages and Remedies - Dental Treatments - Tooth Replacement/ Orthodontic Treatments - Preventive Medical Checkups - COM_CCK_IMPFUNGEN - Covid 19 Vaccination - Pregnancy and Delivery - Infertility Treatments - Aids and Appliances - Visual Aids inclusive of Eyesight Test - Eye Lasering - Psychotherapy - Patient Transports/Return Transports/Transfers - Follow-Up Liability - Pre-existing conditions - Legal Expenses Insurance for Patients - Medical Assistance - Maximum Annual Amount - -
EXPAT GERMANY
BASISEXPAT GERMANY
PLUSGermany 75 Euro 115 Euro Please note that the entire monthly premium is due upon signing the contract, regardless of the date of the signing.
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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
BDAE_IHR_GEWAEHLTER_TARIF: Expat Private
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- 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
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Outpatient Medical Treatments 100 %Inpatient Medical Treatments 100 %Pharmaceutical Products, Bandages and Remedies 100 %Dental Treatments 100 %Tooth Replacement/ Orthodontic Treatments 80 %
up to 4,000 Euro per yearPreventive Medical Checkups 100% preventive medical check-ups for children and cancer screeningCOM_CCK_IMPFUNGEN Children:
General vaccinations 100 %Covid 19 Vaccination - Pregnancy and Delivery 100 %Infertility Treatments - Aids and Appliances 80 %
up to 1,000 Euro per yearVisual Aids inclusive of Eyesight Test 50 Euro per yearEye Lasering - Psychotherapy 80% on outpatient trauma treatment up to 2,000 Euro per yearPatient Transports/Return Transports/Transfers Ambulance Transport 100 %, Return Transport up to 250,000 Euro per insured event, Transfers in case of death up to 10,000 EuroFollow-Up Liability Pre-existing conditions - Legal Expenses Insurance for Patients Medical Assistance Maximum Annual Amount -
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)161 Euro 217 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)467 Euro 667 Euro Please note that the entire monthly premium is due upon signing the contract, regardless of the date of the signing.
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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
BDAE_IHR_GEWAEHLTER_TARIF: Expat Visit
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- 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
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Outpatient Medical Treatments - Inpatient Medical Treatments - Pharmaceutical Products, Bandages and Remedies - Dental Treatments - Tooth Replacement/ Orthodontic Treatments - Preventive Medical Checkups - COM_CCK_IMPFUNGEN - Covid 19 Vaccination - Pregnancy and Delivery - Infertility Treatments - Aids and Appliances - Visual Aids inclusive of Eyesight Test - Eye Lasering - Psychotherapy - Patient Transports/Return Transports/Transfers - Follow-Up Liability - Pre-existing conditions - Legal Expenses Insurance for Patients - Medical Assistance - Maximum Annual Amount - -
EXPAT Visit
excluding USA/CanadaEXPAT Visit
including USA/CANADAup 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
Our service team for private clients (
We also provide the insurance certificate you need for German authorities. Just call us!