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Our international health insurance also protects you with Covid-19

affordable International health insurance

Expat Flexible

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

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!


Also in the Corona crisis:
We won't leave you stuck in the rain!

We are still there for you - in the office and from home

  • Complete cover abroad even with travel warnings
  • The costs for a Corona test are covered by us under certain conditions
  • Vaccination against Covid-19 is covered by the scope of benefits of the EXPAT INFINITY premium variant
learn more


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

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

monthly premium


  EXPAT Flexible
EXPAT Flexible
worldwide (limited for USA, Canada and Switzerland)
(includes insurance coverage up to 42 days for stays in the USA, Canada and Switzerland)
97 Euro 144 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.

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