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Our international health insurance also protects you with Covid-19

International health insurance

Expat Retired

F.A.Z. - Institut - 1st Place Best Specialist Insurer - 01 | 2019 and 25 years BDAE

You are planning to emigrate or spend your retirement abroad? And you are now looking for a basic health insurance product which can easily extended to suit your personal requirements? You want visits to your home country to be included under the benefits? 

BDAE now offers EXPAT RETIRED, an international health insurance product without age limits, perfectly tailored to your requirements!


Outpatient Treatment 100%
Inpatient Treatment
Worldwide accommodation as a private patient in a shared room, in Germany as per the general level of accommodation
Pharmaceuticals and Materials 100%
Dental Treatment 100%
Local Ambulance 100%
Medical Evacuation for up to 250,000 Euro per claim
Repatriation of mortal remains up to 10,000 Euro

Additional benefits Expat Retired Top

Tooth Replacement
of the tooth scale limits after the expiry of waiting periods
Outpatient medical check-up for the early recognition of cancer 100%
Prescribed Glasses and Contact Lenses 50 Euro per year
Bandages, foot orthotics, crutches and walking frames in simple form 100%

Product Information

  • Insurance cover for private individuals
  • Worldwide vadility (exceptions: USA, Canada, Germany, native country)
  • Deductible of 250 Euro per insurance year
  • The duration of the insurance is unlimited
  • The maximum insurable age is 67 years
  • The insurance cover can be terminated for individual insured persons with one month notice to the end of the insurance year
  • 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

monthly premium

  EXPAT Retired
EXPAT Retired
up to 49 years of age 205 Euro 270 Euro
between 50 and 64 years of age 277 Euro 358,25 Euro
between 65 an 69 years of age 339 Euro 443 Euro
above 70 years of age 369 Euro 473 Euro

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 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
  • Psychiatry and Psychotherapy, Self-inflicted Injuries
  • Maternity and Childbirth