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

This depends on the specific circumstances of the individual case and always requires a case-by-case assessment. As a rule, health insurance abroad does not cover care that can be specifically attributed to the need for care or if an insured person is staying in a care facility.

Health insurance abroad serves the therapeutic restoration of health and not the provision of nursing care. Thus, according to the terms and conditions of the contract, we must terminate the insurance if such a permanent case of long-term care occurs and cannot provide any benefits for it.

In Germany, long-term care insurance follows the health insurance system. This means that compulsory long-term care insurance is always included in the statutory health insurance (GKV) and people who take out private health insurance must also take out private long-term care insurance. If you need long-term care in Germany, the long-term care insurance automatically kicks in.

The BDAE does not offer long-term care insurance for people living abroad, so we cannot cover the risk of needing long-term care. Since Germany was very progressive and far-sighted in terms of long-term care insurance, but only a few countries worldwide have followed this example and offer long-term care insurance, unfortunately, to our knowledge, there are no alternatives for private solutions locally in the respective country of residence.

The statutory health insurances at least offer the possibility to put the health and long-term care insurance on hold (so-called qualifying period), so that waiting periods are maintained. With private providers, however, only health insurance, not long-term care insurance, can be put on probation. If you want to be on the safe side, you should continue to pay contributions to long-term care insurance.

The Basic variant of the EXPAT INFINITY international health insurance, which can be taken out lifelong, is a basic cover that includes inpatient treatment and also covers, for example, repatriation. The Classic and Premium variants are more comprehensive products that also include, for example, outpatient medical treatment and other benefits (dentures, preventive check-ups, etc.).

The annual maximum amount is the sum of all costs covered in total per insurance year. Any bills exceeding this sum must be paid by the insured person himself. In the Classic and Premium product variants of the lifelong EXPAT INFINITY international health insurance, there is no limit to the maximum annual amount.