Lifelong Eligibility for Insurance Coverage
Great Fairness Based on Individualisation
Previous Diseases Insurable
Are you an expat, digital nomad or globetrotter seeking lifelong health insurance cover for you and your family which is valid worldwide and can be configured in a multitude of different ways to meet precisely your needs? EXPAT INFINITY lets you choose how high your deductible is. You can integrate pre-existing conditions in your insurance cover by adding a risk premium. Persons up to 75 years of age are eligible to take out a policy, which means pensioners can also benefit from high-quality insurance cover.
As the only international health insurance provider in Germany, the BDAE Group’s EXPAT INFINITY also offers the possibility of prospective entitlement. Everybody who has not yet definitely decided whether he or she really wants to stay abroad in the long run or whether he or she might have the wish to stay in Germany for a while from time to time, will now, with EXPAT INFINITY, be able to “put off” his or her examined state of health. Sometime in future, when the prospective entitlement is changed to become the EXPAT INFINITY active insurance coverage, this status will not be queried again.
There are infinite reasons to choose EXPAT INFINITY
Here are three of them:
The Müller family moves abroad – with pre-existing conditions
The Müllers, a family of four, is planning on starting a new life on the Canary Islands. Suffering from a pre-existing medical condition, Mr. Müller has been a wheelchair user for some time. The Canary Islands are working wonders on him though: The mild climate there is soothing his pain.
For the Müllers, EXPAT INFINITY is the ideal global health insurance: BDAE will cover Mr. Müller’s pre-existing condition as well – providing an individually calculated risk markup. Despite that, the insurance will still be affordable. And: Important medical exams for the children, travel vaccination as well as dentures or orthodontic measures are covered, too!
Lara and Moritz want a baby
Lara and Moritz want to discover the world – by traveling as digital nomads, not bound to any place. Right now, they don’t want to bother about when this lifestyle will come to its end. They don’t even know if they even will ever return home at all. Still, one thing they know for sure: Lara and Moritz want to become parents.
For Lara and Moritz, EXPAT INFINITY is the ideal global health insurance: Our insurance service will cover them for as long as they would like – and even indefinitely! Under the PREMIUM option, we will of course also cover both pregnancy and delivery. If necessary, we will even absorb the costs for infertility treatment, should that be necessary.
Mr. Schmidt cares for his wife – and the future
52-year-old Hannes Schmidt is a graduate engineer living in South Korea. He has been deployed there by his company, a German engineering company. Originally, he was supposed to stay there for only three years. But by now, he has been living here for 20 years already. His current international health insurance will only be valid until he is 65 years old. Usually, the insurance covers his South Korean wife as well. But every time the couple is visiting family in Germany, Mr. Schmidt has to take out a separate insurance.
For Mr. Schmidt, EXPAT INFINITY is the ideal global health insurance: Our insurance will cover him for the rest of his life. Maybe one day he will take a trip to Germany, not sure whether he wants to spend retirement in South Korea. In this case, Mr. Schmidt will have the option to put his EXPAT INFINITY insurance “on hold” via our abeyance option. As soon as he wants, he can simply re-enter the insurance – all previous conditions will still apply. Whenever he visits his old home country Germany, his wife will automatically be co-insured.
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
Benefits & Modules
|Expat Infinity Basic||Expat Infinity Classic||Expat Infinity Premium|
|Outpatient Medical Treatments||-|
|Inpatient Medical Treatments|
|Pharmaceutical Products, Bandages and Remedies|
|Tooth Replacement/Tooth Replacement/Orthodontic Treatments||-||-|
|Preventive Medical Checkups||-|
|Covid 19 Vaccination||-||-|
|Pregnancy and Delivery||-||-|
|Aids and Appliances||-|
|Visual Aids inclusive of Eyesight Test||-|
|Patient Transports/Return Transports/Transfers|
|Congenital Medical Conditions||-|
|Legal Expenses Insurance for Patients|
|Medical assessment via DoctorChat (Medical Assistant “Emma”)|
|Maximum Annual Amount||EUR 1,000,000||unlimited||unlimited|
This overwiev presents the key benefits and exclusions from the foreign health insurance EXPAT INFINITY. For further information please refer to the Terms and Conditions Part I and II.
Benefits included in the plan Greater scope of benefits than in a lower-priced plan
General Contract Terms and Conditions
- Insurance coverage for private individuals
- The maximum age for being eligible in this respect shall be 75 years
- Termination with one month’s notice with effect from the end of the insurance year
Country Zones and Age Groups
Due to the fact that, on an international level, costs for medical treatments vary from country to country and the average claims ratio of a group of insured persons increases with age, the EXPAT INFINITY product provides for four country zones and insurance premium rates split by age groups. This allows us to offer our customers the utmost level of fairness with respect to the amount of insurance premiums in accordance with their living conditions.
The options available with respect to the amount of the deductible shall be EUR 0, EUR 250, EUR 500 and EUR 1,000 per Insured Person and insurance year.
In the event of particularly severe previous illnesses or chronical diseases, private insurers are frequently not in a position to offer coverage to the applicant concerned. In order to provide coverage for customers with pre-existing diseases, BDAE introduced risk markups for the EXPAT INFINITY product. Such markups will be added to the insurance premium and differ depending on the state of health. In some individual cases, however, the risk surcharge may be so high that unfortunately an insurance offer cannot be made.
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 the most important benefits and exclusions of our insurance cover on the right side.
- Treatments based on infirmity and a need for care or custody
- Treatments of mental or psychological disorder and diseases, psychosomatic treatments like hypnosis and autogenic training as well as suicide attempts and their consequences
- Immunisation measures
- Withdrawal treatments inclusive of withdrawal cures and treatments of a dependency syndrome
- In the case of professional participation in competitions, a separate risk assessment is carried out.
- In some individual cases, however, the risk surcharge may be so high that unfortunately an insurance offer cannot be made
Please refer to the Terms and Conditions Part I and II for an elaborate list of exclusions.
What does the annual maximum amount in Expat Infinity Basic mean?
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.
What is the difference between Expat Infinity Basic and the Classic/Premium variant?
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.).
What is a deductible?
A deductible is the portion of the claimed costs which is borne by the Insured member – this can either be on an annual accumulated basis or on a per claim basis. Only the amount exceeding the deductible will be paid by the Insurer. As a result, products with a higher deductible still have lower premiums.
Can I choose a deductible in all product variants?
This is possible in principle. However, not all selected variants can always be chosen. For more information, please refer to the premium tables in the insurance documents.
What is the definition of pre-existing conditions?
All medical conditions (diseases, chronic diseases etc.) which existed before the inception date of the policy are considered to be pre-existing conditions. This also includes an existing need for medical treatment, follow-up treatment and related drugs and medical aids.
What means entitlement?
This is relevant in situations where a person holding a health insurance policy moves abroad for work or studies. During the period of stay abroad, the policy is effectively put on hold, and no benefits can be claimed under it. However, upon the Insured person’s return to Germany it can be re-activated. This is what ‚entitlement‘ guarantees.
The difference between a „Kleine Anwartschaft“ („small dormant solution“) and a „Große Anwartschaft“ („big dormant solution") are old age provisions which are built up during a big dormant solution. Your original entry age thereby remains the same after reactivating your old contract. Metaphorically, your health status and original entry age will be frozen with the beginning of your entitlement.
Does lifelong also mean that I am still covered even if I need long-term care?
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.