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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
  • Ian needs to go to the dentist

    Ian needs to go to the dentist

    Ian is 37-year-old man from New Zealand. He recently decided to start studying again and is now studying Biochemistry. For his semester abroad, Ian chose to come to Germany. He is studying at the prestigious LMU and is having a lot of fun. Too much fun even. While at the Oktoberfest he drank a little bit too much and slipped. As a result, he broke his front teeth and is now requiring dental treatment.

    As he subscribed to Expat Germany premium, his dental treatments are covered. And should he need to have his tooth replaced, the BDAE will also cover that.

  • Zainab had bad sushi

    Zainab had bad sushi

    Zainab is a Marketing Manager from Nigeria. She moved to Germany where she met her wife Joy from Canada. They just got married and decided to go on their honeymoon. Together, they left  to enjoy the Portuguese beaches for a few weeks. Unfortunately, due to bad airport sushi, Zainab is sick during their first days in Portugal and has to seek treatment.

    Thanks to her Expat Germany insurance, her treatment in other European countries is covered. This way, she can get better and enjoy her vacation and Portuguese pastries without worrying.

  • Aleksander's son fell from his bike

    Aleksander's son fell from his bike

    Aleksander moved to Germany to work as a self-employed nurse for a private company. He came with his wife and their two sons. All together they enjoy riding their bikes in the German countryside. One day however his son Cyryl falls from his bike and breaks his wrist.

    Thanks to Expat Germany, the price of the ambulance trip to the hospital as well as any medical treatment Cyryl might need will be covered, allowing the little family to concentrate of what really matters.

  • Omar wants to see clearer

    Omar wants to see clearer

    Omar just finished his studies in Dubai and decided to follow his girlfriend to Germany. He just founded an IT consulting firm and is thinking of proposing to his girlfriend. However, spending a lot of times in front of screens has strained his view and he might have to start wearing glasses.

    With his Expat Germany insurance, he would be able receive €50 per year towards prescribed glasses and contact lenses, helping him maintain good vision and allow him to keep a good quality of life.

  • Isabel has problems with the german weather

    Isabel has problems with the german weather

    Isabel has been hired to do research at a renowned pharmaceutical company in Germany and left her home country of Chile to take her new position. With this new position, she earns a lot of money and instead of taking a public insurance, she decided to subscribe to a private insurance, BDAE. Unfortunately, not used to German winters, she got a very bad flu during her first year here and had to be hospitalised.

    Her Expat Germany insurance covers her inpatient treatment allowing her to recover without worrying about the expenses, and will also help her get pharmaceuticals, and other necessary healthcare services should she get sick again.

F.A.Z. - Institut - Excellent customer loyalty | 2022 and 25 years BDAE

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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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 79 Euro 119 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