For foreigners in Germany
Meets requirements for Schengen visa (compliant to EU rules)
Insurance cover in Germany and in EU- and Schengen countries
You are planning to work in Germany for a few months or years? Have you just arrived in Germany and are planning to live and work here temporarily? And you are now looking for a basic health insurance product to suit your personal requirements? You want visits to your home country to be included under the benefits?
BDAE now offers EXPAT GERMANY, the health insurance product you have been looking for! EXPAT GERMANY is suitable for foreign citizens working as freelancers or entrepreneurs in Germany. We also provide the insurance certificate you need for German authorities.
It is suitable for the following target groups:
- self-employed construction workers and craftsmenself
- self-employed nursing staff
- scientists and tutors
- Employees of foreign public authorities (e.g. tourism boards)
- Freelancers
Covid 19 and pandemics:
Full coverage abroad!
- Full coverage for pandemics like Covid-19
- Insurance confirmations for foreign travel are provided by us
- Vaccination against Covid-19 is covered by the scope of benefits of the EXPAT INFINITY premium variant
Benefits
| 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 |
monthly premium
| 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.
Product Information
- 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
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.
- 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