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Expat Private Premium

Comprehensive health insurance cover for demanding expats and immigrants.

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For foreigners in Germany
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Meets requirements for Schengen visa (compliant to EU rules)
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Insurance cover in Germany and in EU- and Schengen countries

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!

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Benefits and variants

Expat Private Premium
Outpatient Medical Treatments
100 %
Inpatient Medical Treatments
100 %

as a private patient in a single room
Pharmaceutical Products, Bandages and Remedies
100 %
Dental Treatments
100 %
Tooth Replacement/Orthodontic Treatment
90 %

up to 4,000 Euro per year
Preventive Medical Checkups
100 %

Preventive medical check-ups for children and cancer screening;

Check-ups up to 300 euros per year
Vaccinations


Children:

General vaccinations 100%,
travel vaccinations up to 250 euros per year.



Adults:
Travel vaccinations up to 250 euros per year
Covid 19 Vaccination -
Pregnancy and Delivery
100 %
Infertility Treatments -
Aids and Appliances
80 %

up to 2.000 Euro per year
Visual Aids
600 Euro every three years
Eye Lasering -
Psychotherapy
80 % for outpatient treatments, up to 2,000 euros per year;

for inpatient treatments, up to 30 days per contract term
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
after a period of one year without any medical necessary treatments
Legal Expenses Insurance for Patients
Medical Assistance
Maximum Annual Amount

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

  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)		 261 Euro 346 Euro  381 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)		 679 Euro 850 Euro  1,238 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
  • Insurance cover up to the age of 67 possible
  • Pre-existing conditions covered after one year without treatment
  • 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
  • Pre-existing illnesses are covered after a period of one year without any medical necessary treatments
  • 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
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