Health Insurance
Prospective Entitlement
Daily allowance insurance
Assignment Management Services
Inexpensive basic cover
Cancellable monthly
Can be taken out abroad
You are planning to work abroad for a few years and need an affordable basic health insurance cover which can easily extended to suit your personal requirements? You want visits to your home country to be included under the benefits? It is a product for all nationalities living abroad as long as the center of life is not the home country.
BDAE offers EXPAT FLEXIBLE, the health insurance product you have been looking for!
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!
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Benefits
| Outpatient Medical Treatment | 100% |
| Inpatient Medical Treatment | 100% |
| Pharmaceutical Products, Bandages and Remedies | 100% |
| Dental Treatment | 100% |
| Ambulance Transport | 100% |
| Repatriation (Return Transport) | for up to 250,000 Euro per loss event |
| Repatriation in case of death | up to 10,000 Euro |
| Medically necessary follow-up treatment | |
| Medical assessment via DoctorChat (Medical Assistant “Emma”) |
free of charge |
Additional benefits Expat Flexible Plus
| Dental Prostheses | 60% |
| Aids and Appliances in a simple forma nd their repair costs | 80% up to 1,000 Euro per year |
| Preventive outpatient medical examinations for early detection of cancer | 100% |
| Visual aids | 50 Euro per year |
monthly premium
| EXPAT Flexible BASIS |
EXPAT Flexible Plus |
|
| worldwide (limited for USA, Canada and Switzerland) (includes insurance coverage up to 42 days for stays in the USA, Canada and Switzerland) |
105 Euro | 152 Euro |
| worldwide (limited for USA and Switzerland) (includes insurance coverage up to 42 days for stays in the USA and Switzerland and up to 365 days in case of stays in Canada) |
425 Euro | 568 Euro |
Please note that the entire monthly premium is due upon signing the contract, regardless of the date of the signing.
Product Information
- Insurance cover for natural persons
- Worldwide insurance coverage, except USA and Switzerland
- The maximum insurable age is 66 years
- The maximum term of insurance relationship is 5 years
- The insurance relationship can be terminated at any time. In this case it shall end upon expiry of the month following the month of termination.
- Insurance coverage in the home country possible
- Assistance and emergency services (for instance: multilingual 24-h emergency hotline)
- Worldwide Patient Legal Expenses Insurance
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.
- Insurance claims occured or existing prior to the start of the insurance coverage and as well as for insurance claims occured during the waiting period (pre-existing illnesses and existingneed for treatment)
- Treatments based on infirmity and a need for care or custody
- Treatments due to sterility and artificial insemination as well as preliminary examinations
- Treatments of mental or psychological disorder and diseases, psychotherapy, psychosomatic treatments like hypnosis and autogenic training and as well as suicide attemps and their consequences
- Immunisation measures
- Benefits in connection with pregnancy and delivery
- Withdrawal treatments inclusive of withdrawal cures and treatments of a dependency syndrome