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.
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||-|
|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|
|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
The amount of the insurance premium depends on the desired country zone, the age of the Person to be Insured, the desired deductible, the chosen product variant as well as possible risk markups (see reverse side).
EXPAT INFINITY BASIC offers insurance coverage at an entry-level premium as from EUR 39. EXPAT INFINITY CLASSIC with additional benefits is offered at a premium as from EUR 56 and EXPAT INFINITY PREMIUM offers even more benefits against payment of an entry-level premium as from EUR 75.
Due to the possibility to adjust coverage to individual needs, however, the individual insurance premiums may considerably differ from entry-level premiums. We therefore recommend you to ask for a personal offer via our website.
General Contract Terms and Conditions
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.
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 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 dependeny syndrome
Please refer to the Terms and Conditions Part I and II for an elaborate list of exclusions.