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Expat Private Premium

Comprehensive health insurance cover for demanding expats and immigrants.

F.A.Z. - Institut - Excellent Customer Loyalty - 05 | 2022 25 Years BDAE
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Ideal for families

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Premium quality insurance cover

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Long term possible

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 PREMIUM, the perfect international health insurance cover for you and your family!

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 can always count on BDAE experts for support. No being stuck with a call-center agent.
  • You will always be covered by our insurance – even during a pandemic.
  • You can count on our insurance services – regardless of your occupation. There are special features in the case of professional participation in competitions.
  • Your international medical insurances will also include patient legal protection.
  • You’re planning a trip home? Our insurances will even cover your stay in your home country!

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Outpatient Treatment 100%
Inpatient Treatment 100% 
Worldwide accommodation as a private patient in a single room
Pharmaceuticals and Materials 100%
Dental Treatment 100%
Tooth Replacement 90% of the tooth scale limits after the expiry of waiting periods
Outpatient medical check-up for the early recognition of cancer 100%
General medical check-ups with a limit of up to € 300 per year
Travel Vaccinations Limit of 250 Euro per policy duration
Maternity and Childbirth 100%
Medical Aids in simple form and repair costs 80% up to 2,000 Euro per year
Normal Prescribed Glasses and Contact Lenses 600 Euro every three years after a waiting period of 12 months
Psychotherapy 80% on outpatient trauma treatment with a limit of 2,000 Euro per year
Local Ambulance 100%
Medical Evacuation for up to 250,000 Euro per claim
Repatriation of mortal remains up to 10,000 Euro
Medical assessment via DoctorChat (Medical Assistant “Emma”) free of charge

monthly premium

  0 - 11 years of age 12 - 49 years of age 50 - 66 years of age
worldwide (limited for the USA, Canada and Switzerland)
(includes insurance coverage up to 42 days for stays in the USA, Canada and Switzerland)
244 Euro 323 Euro  356 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)
635 Euro 794 Euro  1,157 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

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
  • Immunisation Treatments
  • Treatment of illnesses related to drug abuse and rehabilitation