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Expat Germany

Affordable health insurance cover for foreigners on a mid- and short-term-trip in Germany.

F.A.Z. - Institut - Excellent Customer Loyalty - 05 | 2022 25 Years BDAE
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For foreigners in Germany

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Meets requirements for Schengen visa (compliant to EU rules)

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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
learn more


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
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

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