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EXPAT PRIVATE
International insurance cover abroad and in Germany
For many years, we have offered the internationally valid Expat Private health insurance, which covered stays both abroad and in Germany.
With our new, tailor-made products – which replace Expat Private – we continue to offer you optimal protection, but now fully adapted to your country of stay.
With Expat Smart, you receive a fair and up-to-date health insurance that offers you security and flexibility for stays outside Germany.
The new Expat Germany offers powerful protection for people who wish to stay in Germany for a temporary period.
The right product – depending on the country of stay
| Benefit | Expat Smart | Expat Germany |
|---|---|---|
|
Insurance benefits generally apply to medically necessary treatment* |
||
| Outpatient Medical Treatments |
100 %
if medically necessary |
100 %
if medically necessary |
| Inpatient Medical Treatments |
100 % Accommodation as a private patient in a single room |
100 % 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 necessary in the context of outpatient medical treatment |
100 % as part of outpatient medical treatment without limitation |
| Dental Treatments |
100%
for pain-relieving and medically necessary outpatient dental treatment and single fillings One preventive check-up and treatment per year (including polishing and teeth cleaning) |
100 % |
| Tooth Replacement/Orthodontic Treatment |
Medically necessary orthodontic treatment (up to the age of 18) and medically necessary dentures accident-related dentures 8-month waiting period, apart from accident-related dentures |
Medically necessary orthodontic treatment (up to the age of 18) and medically necessary dental prosthesis accident-related dental prosthesis 8-month waiting period, apart from accident-related dental prosthesis |
| Preventive Medical Checkups |
Preventive check-ups for children and cancer screening Check-ups |
Preventive check-ups for children and cancer screening Check-ups |
| Vaccinations |
general vaccinations, travel vaccinations |
general vaccinations, travel vaccinations |
| Covid 19 Vaccination | ||
| Pregnancy and Delivery |
100 %
8-month waiting period for delivery
|
|
| Infertility Treatments | ||
| Aids and Appliances |
up to 1,000 Euro per year Life-sustaining aids if medically prescribed and necessary per year up to the maximum annual amount There is no insurance cover for visual aids |
up to 1,000 Euro per year 100 % for Life-sustaining aids |
| Visual Aids |
up to 250 Euro per year including eye tests
|
|
| Eye Lasering | ||
| Psychotherapy | ||
| Patient Transports/Return Transports/Transfers |
if medically necessary |
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 |
up to 90 days
|
60 days
|
| Congenital Medical Conditions | ||
| Legal Expenses Insurance for Patients | ||
| Medical Assistance | ||
| Feel Good Package | ||
| Maximum Annual Amount |
Unlimited
|
unlimited
|
| * In variant Expat Smart Premium. The scope of benefits of the lower-priced product variants may vary. | * In variant Expat Germany Premium. The scope of benefits of the lower-priced product variants may vary. | |
Your selected insurance product: Expat Smart
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- Insurance cover for private individuals (e.g. world travellers, digital nomads)
- Maximum insurable age is 74 years
- Maximum insurance term 3 years with possible extension up to 5 years
- Termination of insurance one month to the end of the following month
- Assistance services (e.g. multilingual 24-hour emergency number)
- Worldwide patient legal protection insurance
- Feel Good Package: free counselling services relating to mental and physical well-being
Country zones and age groups
Because the costs of medical treatment vary from country to country around the world and the average claims rate of an insured group increases with age, the EXPAT SMART product has three country zones and a premium scale according to age groups. In this way, we offer our customers the greatest possible fairness in the level of insurance premiums according to their life situation.
Downloads
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Expat Smart
BasicExpat Smart
ClassicExpat Smart
PremiumInsurance benefits apply to accident-related treatments
Insurance benefits apply to accident-related and life-threatening emergency treatment
Insurance benefits generally apply to medically necessary treatment
Outpatient Medical Treatments 100 %
sofern unfallbedingt und medizinisch notwendig100 %
sofern unfall- oder
lebensbedrohlich notfallbedingt und medizinisch notwendig100 %
sofern medizinisch notwendigInpatient Medical Treatments 100 %
sofern unfallbedingt und medizinisch notwendigUnterbringung als Privatpatient im Zweibettzimmer
100 %
sofern unfall- oder
lebensbedrohlich notfallbedingt und medizinisch notwendigUnterbringung als Privatpatient im Zweibettzimmer
100 %
sofern medizinisch notwendigUnterbringung als Privatpatient im Einbettzimmer
Pharmaceutical Products, Bandages and Remedies 100%
sofern unfallbedingt, ärztlich verordnet und medizinisch notwendig
bis 300 Euro pro Jahr im Rahmen ambulanter Heilbehandlungen
100%
sofern unfall- oder lebensbedrohlich notfallbedingt, ärztlich verordnet und medizinisch notwendig
bis 600 Euro pro Jahr im Rahmen ambulanter Heilbehandlungen100%
sofern ärztlich verordnet und medizinisch notwendig
im Rahmen ambulanter HeilbehandlungenDental Treatments 100%
für medizinisch notwendige ambulante zahnärztliche Behandlung
bis 300 Euro pro Jahr100%
für medizinisch notwendige ambulante zahnärztliche Behandlung
bis 600 Euro pro Jahr100%
für medizinisch notwendige ambulante zahnärztliche Behandlung
Eine Vorsorgeuntersuchung und -behandlung (professionelle Zahnreinigung und Fluoridierung) pro JahrTooth Replacement/Orthodontic Treatment unfallbedingter Zahnersatz
bis 1.000 Euro pro Vertragslaufzeitunfallbedingter Zahnersatz
bis 2.000 Euro pro Vertragslaufzeitmedizinisch notwendige kieferorthopädische Behandlungen (bis zu einem Alter von 18 Jahren) und medizinisch notwendiger Zahnersatz
bis 3.000 Euro pro Vertragslaufzeitunfallbedingter Zahnersatz
bis 5.000 Euro pro Vertragslaufzeit8 Monate Wartezeit, abgesehen von unfallbedingtem Zahnersatz
Preventive Medical Checkups - - Vorsorgeuntersuchungen für Kinder und Krebsvorsorge
Check-Ups
bis 500 Euro pro VertragslaufzeitVaccinations - - allgemeine Impfungen, Reiseschutzimpfungen
Covid 19 Vaccination - - - Pregnancy and Delivery - - - Infertility Treatments - - - Aids and Appliances bis 300 Euro pro Jahr
sofern unfallbedingt, ärztlich verordnet und medizinisch notwendigLebenserhaltende Hilfsmittel sofern unfallbedingt und ärztlich verordnet, pro Jahr bis zum Jahreshöchstbetrag
Für Sehhilfen besteht kein Versicherungsschutz
bis 600 Euro pro Jahr
sofern unfall- oder lebensbedrohlich notfallbedingt, ärztlich verordnet und medizinisch notwendigLebenserhaltende Hilfsmittel sofern unfall- oder lebensbedrohlich notfallbedingt und ärztlich verordnet, pro Jahr bis zum Jahreshöchstbetrag
Für Sehhilfen besteht kein Versicherungsschutz
bis 1.000 Euro pro Jahr
sofern ärztlich verordnet und medzinisch notwendigLebenserhaltende Hilfsmittel sofern ärztlich verordnet und medizinisch notwendig pro Jahr bis zum Jahreshöchstbetrag
Für Sehhilfen besteht kein Versicherungsschutz
Visual Aids - - - Eye Lasering - - - Psychotherapy - - - Patient Transports/Return Transports/Transfers sofern unfallbedingt und medizinisch notwendig
Krankentransport 100 %, Rücktransport max. 10.000 Euro pro Schadenereignis, Überführung im Todesfall max. 10.000 Eurosofern unfall- oder lebensbedrohlich notfallbedingt und medizinisch notwendig
Krankentransport 100 %, Rücktransport max. 10.000 Euro pro Schadenereignis, Überführung im Todesfall max. 10.000 Eurosofern medizinisch notwendig
Krankentransport 100 %, Rücktransport max. 10.000 Euro pro Schadenereignis, Überführung im Todesfall max. 10.000 EuroFollow-Up Liability bis 30 Tagebis 60 Tagebis 90 TageCongenital Medical Conditions - - - Legal Expenses Insurance for Patients Medical Assistance Feel Good Package Maximum Annual Amount 300.000 Euro600.000 EuroUnbegrenztThis overwiev presents the key benefits and exclusions. For further information please refer to the Terms and Conditions Part I and II. -
Country zone 1
Age Expat Smart Basic Expat Smart Classic Expat Smart Premium 0 - 18 years 55 Euro 69 Euro 140 Euro 19 - 49 years 69 Euro 87 Euro 174 Euro 50 - 55 years 87 Euro 109 Euro 218 Euro 56 - 60 years 99 Euro 120 Euro 244 Euro 61 - 65 years 109 Euro 134 Euro 273 Euro 66 - 74 years 145 Euro 183 Euro 370 Euro Country zone 2
Age Expat Smart Basic Expat Smart Classic Expat Smart Premium 0 - 18 years 71 Euro 89 Euro 177 Euro 19 - 49 years 89 Euro 112 Euro 220 Euro 50 - 55 years 112 Euro 140 Euro 266 Euro 56 - 60 years 123 Euro 154 Euro 299 Euro 61 - 65 years 134 Euro 168 Euro 333 Euro 66 - 74 years 167 Euro 225 Euro 445 Euro Country zone 3
Age Expat Smart Basic Expat Smart Classic Expat Smart Premium 0 - 18 years 92 Euro 112 Euro nicht versicherbar 19 - 49 years 154 Euro 190 Euro nicht versicherbar 50 - 55 years 223 Euro 277 Euro nicht versicherbar 56 - 60 years 272 Euro 341 Euro nicht versicherbar 61 - 65 years 320 Euro 404 Euro nicht versicherbar 66 - 74 years 468 Euro 586 Euro nicht versicherbar -
- Insurance claims occured or existing prior to the start of the insurance coverage and as well as for insurance claims occured during the waiting period (pre-existing illnesses and existing need for treatment)
- Treatments based on infirmity and a need for care or custody
- Treatments due to sterility and artificial insemination as well as preliminary examinations
- Treatments of mental or psychological disorder and diseases, psychotherapy, psychosomatic treatments like hypnosis and autogenic training and as well as suicide attemps and their consequences
- Immunisation measures
- Benefits in connection with pregnancy and delivery
- Withdrawal treatments inclusive of withdrawal cures and treatments of a dependency syndrome
Your selected insurance product: Expat Germany
-
- 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
Downloads
-
Expat Germany
BasicExpat Germany
ClassicExpat Germany
PremiumOutpatient Medical Treatments 100 %
sofern medizinisch notwendig100 %
sofern medizinisch notwendig100 %
sofern medizinisch notwendigInpatient Medical Treatments 100 %
sofern medizinisch notwendigUnterbringung im Mehrbettzimmer
100 %
sofern medizinisch notwendigUnterbringung als Privatpatient im Zweibettzimmer
auch Anschlussheilbehandlungen
100 %
sofern medizinisch notwendigUnterbringung als Privatpatient im Einbettzimmer
Unterbringung eines Elternteils
versicherter Kinder bis 12 Jahreauch Anschlussheilbehandlungen
Pharmaceutical Products, Bandages and Remedies 100 %
sofern ärztlich verordnet und medizinisch notwendigIm Rahmen ambulanter Heilbehandlungenbis 500 Euro pro Vertragslaufzeit
100 %
sofern ärztlich verordnet und medizinisch notwendigIm Rahmen ambulanter Heilbehandlungen bis 1.000 Euro pro Vertragslaufzeit
100 %
sofern ärztlich verordnet und medizinisch notwendigIm Rahmen ambulanter Heilbehandlungen ohne Limitierung
Dental Treatments - 100 %
für medizinisch notwendige ambulante zahnärztliche Behandlung100 %
für medizinisch notwendige ambulante zahnärztliche Behandlung
Eine Vorsorgeuntersuchung und -behandlung (professionelle Zahnreinigung und Fluoridierung) pro JahrTooth Replacement/Orthodontic Treatment - unfallbedingter Zahnersatz
bis 2.000 Euro pro Vertragslaufzeitmedizinisch notwendige kieferorthopädische Behandlungen (bis zu einem Alter von 18 Jahren) und medizinisch notwendiger Zahnersatz
bis 3.000 Euro pro Vertragslaufzeitunfallbedingter Zahnersatz
bis 5.000 Euro pro Vertragslaufzeit8 Monate Wartezeit, abgesehen von unfallbedingtem Zahnersatz
Preventive Medical Checkups - Vorsorgeuntersuchung für Erwachsene zur Früherkennung von Krebserkrankungen
bis 300 Euro pro JahrVorsorgeuntersuchungen für Kinder und Krebsvorsorge
Check-Ups
bis 500 Euro pro Vertragslaufzeit (kumuliert mit Impfungen)Vaccinations - - allgemeine Impfungen, Reiseschutzimpfungen
bis 500 Euro pro Vertragslaufzeit (kumuliert mit Vorsorgeuntersuchungen)Covid 19 Vaccination - - Pregnancy and Delivery - - 100 %
8 Monate Wartezeit für EntbindungInfertility Treatments - - - Aids and Appliances 100 % für lebenserhaltende Hilfsmittel
bis 500 Euro pro Jahr
sofern unfallbedingt und ärztlich verordnet100 % für lebenserhaltende Hilfsmittel
bis 1.000 Euro pro Jahr
sofern ärztlich verordnet und medzinisch notwendig100 % für lebenserhaltende Hilfsmittel
Visual Aids - - bis 250 Euro pro Jahr inklusive SehtestsEye Lasering - - - Psychotherapy - - - Patient Transports/Return Transports/Transfers Krankentransport 100 %, Rücktransport oder Überführung max. 5.000 Euro (kontinental) und 10.000 Euro (interkontinental)Krankentransport 100 %, Rücktransport oder Überführung max. 5.000 Euro (kontinental) und 10.000 Euro (interkontinental)Krankentransport 100 %, Rücktransport oder Überführung max. 5.000 Euro (interkontinental) und 10.000 Euro (kontinentübergreifend)Follow-Up Liability - 30 Tage60 TageCongenital Medical Conditions - - - Legal Expenses Insurance for Patients Medical Assistance Feel Good Package - - - Maximum Annual Amount unbegrenztunbegrenztunbegrenztThis overwiev presents the key benefits and exclusions. For further information please refer to the Terms and Conditions Part I and II. -
Age Expat Germany
BasicExpat Germany
ClassicExpat Germany
Premium0 - 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 -
- Health care at home and household assistance
- Infertility treatments
- Eye lasering
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Psychotherapy
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Congenital medical conditions
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Immunisation measures
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Damage or injuries caused by an active participation in strikes, war, warlike events, civil commotion
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a treatment or accommodation based on infirmity, a need for care or custody
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withdrawal treatments inclusive of withdrawal cures
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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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Paul becomes a diving instructor in Thailand
Paul wants to enjoy life and turn his hobby into a career. He wants to become a diving instructor and see the world. To do this, he wants to spend three years abroad and initially work as a diving teacher in his favourite country, Thailand. He doesn't have much money for health insurance abroad.
For the time being, the EXPAT SMART's classic variant is the the ideal product for Paul: the international health insurance offers him coverage for accident-treatments as well as life-threatening emergencies. Paul can also change his country of residence at any time without having to worry about taking out new international health insurance. If he decides to extend his stay abroad during the three years, he can remain insured with EXPAT SMART for up to five years.
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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.
