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Expat Germany

International health insurance for temporary stays in Germany

Bdage F.A.Z. Institut and 30 years of BDAE
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For temporary stays in Germany
Icon Passport / EU visa
Meets requirements for Schengen visa (compliant to EU rules)
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Insurance cover in Germany and in EU- and Schengen countries

This health insurance has been specially developed for people who are coming to Germany temporarily and wish to stay here for up to five years. Expat Germany offers insurance cover in the EU and the Schengen area, and you can decide for yourself what services you want to include. Insurance cover is also provided for a specific period outside these countries if your stay abroad is for holiday or work purposes.

Persons outside Germany who are temporarily (up to five years) residing in Germany are insurable, such as:

  • Self-employed persons in the construction and crafts sectors
  • Self-employed nursing staff
  • Scientific professionals and lecturers
  • Employees of foreign authorities (e.g. tourism sector)
  • Freelancers

However, the product cannot be taken out by persons who are subject to statutory or private health insurance!

to online application

  • Luca helps with the grape harvest

    Luca, 28, comes to Baden-Württemberg every year for several months to help with the grape harvest. He needs straightforward insurance that also covers him on his trips to France or Switzerland. With Expat Germany, he is covered in Germany and the Schengen Area throughout the entire season. He didn't have to submit a health certificate – the policy was quick and easy to take out. This means Luca can concentrate fully on working and living in the region.

  • Piotr is on the move within Europe

    Piotr, 41, is a self-employed tiler from Krakow and works as a subcontractor on several construction sites in Bavaria and Austria. He is often away for weeks at a time and travels regularly to Poland to visit his family. With Expat Germany, he is not only covered in Germany, but also in all EU and Schengen countries – and even during his visits home. As he is under 50, he was able to take out the insurance without a health examination. For Piotr, this means less bureaucracy and more time for his work.

  • Planning security for young entrepreneur Sophia

    Sophia, 29, is a self-employed landscape gardener from Thessaloniki who specialises in Mediterranean garden designs in southern Germany. As a freelancer, she needs affordable health insurance with clear contributions. She particularly likes the fact that the premium amounts are age-related, with no sudden increases as she gets older. This gives her financial planning security.

    She feels well looked after – whether she is visiting clients in Germany or flying to Greece to see her family.

  • Zainab had bad sushi

    Zainab is a Freelance Marketeer from Nigeria. She moved to Germany where she met her wife Joy. They just got married and decided to go on their honeymoon in Portugal. 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.

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 will always receive personal support.
  • You will be covered by our insurance even during a pandemic.
  • You can count on our insurance services – regardless of your occupation. Special conditions apply in the case of professional participation in competitions.
  • Your international medical insurances will also include patient legal protection.
  • Our insurances will cover your stay in your home country.
Learn more

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Benefits and variants

Expat Germany
Basic 		Expat Germany
Classic 		Expat Germany
Premium
Outpatient Medical Treatments
100 %
if medically necessary
100 %
if medically necessary
100 %
if medically necessary
Inpatient Medical Treatments

100 %
if medically necessary

Accommodation in a shared room

100 %
if medically necessary

Accommodation in a two-bed room

also follow-up treatments

100 %
if medically necessary

Accommodation as a private patient in a single room

Accommodation of one parent for inpatient treatment of insured children up to 12 years of age.

also follow-up treatment
Pharmaceutical Products, Bandages and Remedies

100 %
if medically prescribed and medically necessary

up to 500 Euro per contract term as part of outpatient medical treatment

100 %
if medically prescribed and medically necessary

up to 1.000 Euro per contract term as part of outpatient medical treatment

100 %
if medically prescribed and medically necessary

as part of outpatient medical treatment without limitation
Dental Treatments -
100%
for medically necessary outpatient dental treatment

100 %
for medically necessary outpatient dental treatment
One preventive dental check-up and treatment (professional teeth cleaning and fluoridation) per year
Tooth Replacement/Orthodontic Treatment -
accident-related dental prosthesis
up to 2,000 Euro per contract term

Medically necessary orthodontic treatment (up to the age of 18) and medically necessary dental prosthesis
up to 3,000 Euro per contract term

accident-related dental prosthesis
up to 5,000 Euro per contract term

8-month waiting period, apart from accident-related dental prosthesis
Preventive Medical Checkups -
Preventive check-ups for adults for early detection of cancer
up to 300 Euro per year

Preventive check-ups for children and cancer screening

Check-ups
up to 500 Euro per contract term (cumulative with vaccinations)
Vaccinations - -

general vaccinations, travel vaccinations
up to 500 Euro per contract term (cumulative with check-ups)
Covid 19 Vaccination - -
Pregnancy and Delivery - -
100 %
8-month waiting period for delivery
Infertility Treatments - - -
Aids and Appliances

100 % for life-sustaining aids

up to 500 Euro per year
if accidental and medically prescribed

100 % for life-sustaining aids

up to 1,000 Euro per year
if medically prescribed and necessary

100 % for Life-sustaining aids
Visual Aids - -
up to 250 Euro per year including eye tests
Eye Lasering - - -
Psychotherapy - - -
Patient Transports/Return Transports/Transfers
Patient transportation 100%, return transport and transfer in case of death up to 5,000 Euro (continental) and 10,000 Euro (intercontinental)
Patient transportation 100%, return transport and transfer in case of death up to 5,000 Euro (continental) and 10,000 Euro (intercontinental)
Patient transportation 100%, return transport and transfer in case of death up to 5,000 Euro (continental) and 10,000 Euro (intercontinental)
Follow-Up Liability -
30 days
60 days
Congenital Medical Conditions - - -
Legal Expenses Insurance for Patients
Medical Assistance
Feel Good Package - - -
Maximum Annual Amount
unlimited
unlimited
unlimited
Benefits included in the plan
Greater scope of benefits than in a lower-priced plan
The comparison table provides you with a general overview regarding the volume of insurance benefits. It does not replace the insurance terms and conditions of individual products. The scope of benefits as well as the benefits covered vary from product to product and are dependent on the product variant selected. For more information, hover over any of the information icons or select the more detailed view. Complete information can be found in parts I and II of the Terms and Conditions of Insurance.

Monthly premium

Age Expat Germany
Basic		 Expat Germany
Classic		 Expat Germany
Premium
0 - 18 years 52 Euro 73 Euro 109 Euro
19 - 49 years 73 Euro 102 Euro 152 Euro
50 - 55 years 95 Euro 132 Euro 198 Euro
56 - 60 years 114 Euro 158 Euro 237 Euro
61 - 65 years 137 Euro 190 Euro 285 Euro
66 - 74 years 178 Euro 247 Euro 370 Euro

Product Information

  • Insurance cover for persons who are temporarily coming to Germany and wish to stay here (e.g. self-employed persons in the construction and craft trades, care workers and freelancers)
  • valid in Germany and in EU- and Schengen countries
  • EU compliant (complies with European Union regulations)
  • Insurance cover tailored to your needs with three product variants (Basic, Classic, Premium)
  • maximum insurance age is 74
  • 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 termination
  • Assistance services (e.g. 24-h emergency hotline)
  • Worldwide Patient Legal Expenses Insurance
to online application

Not included in insurance cover

The BDAE Group values openness and transparency, as these are prerequisites for trust. For this reason, you will find the most important exclusions from our insurance cover on the right-hand side.

  • Health care at home and household assistance
  • Infertility treatments
  • Eye lasering

  • Psychotherapy

  • Congenital medical conditions

  • Immunisation measures

  • Damage or injuries caused by an active participation in strikes, war, warlike events, civil commotion

  • a treatment or accommodation based on infirmity, a need for care or custody

  • withdrawal treatments inclusive of withdrawal cures

  • The illnesses and complaints existing and known at the beginning of the insurance coverage as well as their consequences. Furthermore, there is no insurance coverage for insured
     

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Fequently Asked Questions

How can I sign up for EXPAT GERMANY?

Easily apply online using our online application form. The application only takes a few minutes.

Can I sign up for EXPAT GERMANY even if I am already in Germany?

Yes, you can also apply for Expat Germany if you are already in Germany. Please note that the maximum insurance period of five years includes the time you have already spent in Germany since your initial entry before the start of insurance.

Does EXPAT GERMANY meet the minimum legal requirements for health insurance in Germany?

Expat Germany not only meets the minimum legal requirements for health insurance coverage in Germany, but also offers benefits that go beyond the coverage provided by statutory health insurance, depending on the product variant agreed upon. Long-term care insurance is not included. Pre-existing conditions are excluded from insurance coverage.

What is the difference between EXPAT GERMANY BASIC, CLASSIC and PREMIUM?

The difference lies in the services. You can find detailed information about the services in the overview above.

I am insured under one of the three EXPAT GERMANY variants, but another plan seems more suitable for me. Can I simply switch plans?

It is not possible to switch between the "Basic", “Classic” and "Premium" options at a later date. However, if you would like a different variant, you can cancel your current option, with the cancellation taking effect at the end of the following month, and apply for the option you want. Please also note that any pre-existing conditions that exist at the time of taking out a new policy will not be covered.

In order to determine the state of health, a health questionnaire must be completed truthfully and in full for each person aged 50 or above when applying for insurance. The insurer or its representative reserves the right to carry out a risk assessment and decide whether to accept the application.

Is there an deductible with EXPAT GERMANY?

The excess is 25 euros per invoice. The excess applies per invoice submitted (for reimbursement) and per insured person. In this case, the insurer will reimburse the insured persons for the reimbursable services minus the respective excess up to the agreed amount. The excess does not exceed 5,000 euros per insurance year.

Are early detection examinations (U1 to U9 examinations) for children or pregnancy and childbirth covered by EXPAT GERMANY?

Yes, the Expat Germany Premium variant covers preventive health check-ups for children as well as pregnancy and childbirth.

How long is the insurance cover provided by EXPAT GERMANY valid in Germany?

With Expat Germany, we can insure you for stays of up to five years from your initial entry into Germany. The time you have already spent in Germany before the start of your insurance will be factored in when regarding the maximum insurance period of five years.

Is there a minimum term or duration?

Yes, the minimum insurance term for Expat Germany is 30 days.

Can the start or end of the insurance period be on a day other than the first or last day of the month? Will the premium be calculated on a pro rata basis?

The requested start and end dates of the insurance do not have to be the first or last day of the month. In this case, the premium will be calculated pro rata to the number of days insured in the relevant month.