This website uses Cookies to provide several functions. As a user you agree with the gathering and saving of these cookies. More information.

Live-Chat

 Hotline 
+49-40-30 68 74-0

CoronavirusBDAE 1080px whiteImportant notice:

Due to the closure of schools and day-care centres throughout Germany in favour of preventive measures against coronavirus, the BDAE is unfortunately also experiencing staff shortages. We are still here for you, but we ask for your understanding in the event that you can only reach our staff to a limited extent. 

Please also see our page on FAQs on coronavirus especially for our insured.

Note regarding coronavirus: This health insurance may still be taken out without restrictions.

International health insurance

Expat Germany

F.A.Z. - Institut - 1st Place Best Specialist Insurer - 01 | 2019

You are planning to work in Germany for a few months or years? Did you have 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
Benefits product information premium exclusions

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

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
to online application
International health insurance Expat Germany

product information

  • health insurance cover for foreigners in Germany (e.g. self-employed contruction 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
to online application

monthly premium

  EXPAT GERMANY
BASIS		 EXPAT GERMANY
PLUS
Germany 75 Euro 40 Euro
to online application

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.

  • 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
to online application