Expat Flexible
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!
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 |
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 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) | 85 Euro | 132 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) | 270 Euro | 413 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 an 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 artifical 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