Expat Private

Comprehensive health insurance cover for expats and immigrants.

Awarded by F.A.Z. Institut - 30 years BDAE

Foto: © EVERST, Adobe Stock

Ideal for families

High quality insurance cover

Also for foreigners in Germany

You are planning to move abroad alone or with your family or you have just arrived in Germany and are planning to live and work here temporarily? And you are now looking for a comprehensive health insurance product including cover for visits to your home country?

BDAE now offers EXPAT PRIVATE, the perfect international health insurance cover for you and your family!

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Benefits and variants

	Expat Private
Outpatient Medical Treatments	100 %
Inpatient Medical Treatments	100 %
Pharmaceutical Products, Bandages and Remedies	100 %
Dental Treatments	100 %
Tooth Replacement/Orthodontic Treatment	80 % up to 4,000 Euro per year
Preventive Medical Checkups	100 % preventive medical check-ups for children and cancer screening
Vaccinations	Children: General vaccinations 100 %
Covid 19 Vaccination	-
Pregnancy and Delivery	100 %
Infertility Treatments	-
Aids and Appliances	80 % up to 1,000 Euro per year
Visual Aids	50 Euro per year
Eye Lasering	-
Psychotherapy	80% on outpatient trauma treatment, up to 2,000 Euro per year
Patient Transports/Return Transports/Transfers	Patient transport 100%, return transport and transfer in case of death up to a maximum amount of 5,000 Euro (intercontinental) and 10,000 Euro (cross-continental)
Follow-Up Liability
Congenital Medical Conditions	-
Legal Expenses Insurance for Patients
Medical Assistance
Feel Good Package	-
Maximum Annual Amount	-

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

	entitled Person	dependants
worldwide (limited for the USA, Canada and Switzerland) (includes insurance coverage up to 42 days for stays in the USA, Canada and Switzerland)	169 Euro	228 Euro
worldwide (limited for the USA and Switzerland) (includes insurance coverage up to 42 days for stays in the USA and Switzerland and up to 365 days for stays in Canada)	490 Euro	699 Euro

Please note that the entire monthly premium is due upon signing the contract, regardless of the date of the signing.

Product Information

Insurance cover for private individuals
Worldwide insurance coverage, except USA and Switzerland
The maximum insurable age is 66 years
The insurance cover may be terminated any time. In this case the insurance cover ceases at the end of the month following the month in which the notice of termination has been submitted to the policy holder.
Insurance cover in your home country if included under the chosen geographical area
Assistance and emergency services (e.g. multi-lingual emergency hotline)
Worldwide legal cover in case of medical malpractice

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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 below the most important exclusions from our insurance cover. Please refer to the Terms and Conditions Part I and II for an elaborate list of exclusions.

Medical conditions which arose or existed prior to the insurance cover or during the waiting period
Rehabilitation and Stays in Spas or Cure Centers
Infertility Treatment and all related check-ups
Treatment of illnesses related to drug abuse and rehabilitation

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