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There are infinite reasons to choose EXPAT SMART
Here are three of them:
-
Anna and Tom are travelling to Indonesia
After graduating, Anna and Tom want to enjoy life to the full and pursue their shared dream: To open a diving centre in Bali and, at the same time, capture their travel experiences in photographs for their blog. They plan to stay abroad for up to two years and choose Indonesia as the starting point for their adventures.
As they don't want to spend a lot on health insurance abroad, EXPAT SMART is the perfect solution for them: The insurance offers them worldwide cover, no matter where they are. As Anna and Tom only need treatment if it is accident-related, their monthly premium is low. Even if Anna and Tom choose to travel to a different country during their insurance period, Expat Smart offers various ways of insuring their stay.
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SEO expert Jana wants to live and work in Cyprus
Jana is insanely successful with her SEO company. But as her success grows, so does her tax burden. So Jana finds out about legal tax havens in Europe and decides to live and work in Cyprus for a few years. Everything is great, but how do you get the best possible health insurance in Cyprus?
EXPAT SMART, with its premium variant, is the ideal international health insurance for Jana: it provides her comprehensive protection for up to five years, which also covers visits to the doctor and hospital in her home country. If Jana decides to live in Cyprus permanently, she can make an easy switch to our EXPAT INFINITY lifelong international health insurance after an uninterrupted three-year contract term.
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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.
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. Special conditions apply 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!
Foto: © pexels.com
Benefits and variants
|
Basic |
Classic |
Premium |
|
|---|---|---|---|
| Outpatient Medical Treatments |
100 %
if accident-related and medically necessary |
100 %
if accidental or life-threatening emergency and medically necessary |
100 %
if medically necessary |
| Inpatient Medical Treatments |
100 % Accommodation as a private patient in a double bedroom |
100 % Accommodation as a private patient in a double bedroom |
100 % Accommodation as a private patient in a single room |
| Pharmaceutical Products, Bandages and Remedies |
100%
if accident-related and medically prescribed and necessary up to 300 Euro per year as part of outpatient medical treatment |
100 %
if accidental or life-threatening emergency and medically prescribed and necessary up to 600 Euro per year as part of outpatient medical treatment |
100%
if medically prescribed and necessary in the context of outpatient medical treatment |
| Dental Treatments |
100%
for medically necessary outpatient dental treatment up to 300 Euro per year |
100%
for medically necessary outpatient dental treatment up to 600 Euro per year |
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) |
| Tooth Replacement/Orthodontic Treatment |
accident-related dentures
up to 1,000 Euro per contract term |
accident-related dentures
up to 2,000 Euro per contract term |
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 |
| Preventive Medical Checkups | - | - |
Preventive check-ups for children and cancer screening Check-ups |
| Vaccinations | - | - |
general vaccinations, travel vaccinations |
| Covid 19 Vaccination | - | - | - |
| Pregnancy and Delivery | - | - | - |
| Infertility Treatments | - | - | - |
| Aids and Appliances |
up to 300 Euro per year Life-sustaining aids if accident-related and prescribed by a doctor, up to the maximum annual amount per year There is no insurance cover for visual aids |
up to 600 euros per year Life-sustaining aids if accidental or life-threatening, emergency-related and medically prescribed, up to the maximum annual amount per year There is no insurance cover for visual aids |
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 |
| Visual Aids | - | - | - |
| Eye Lasering | - | - | - |
| Psychotherapy | - | - | - |
| Patient Transports/Return Transports/Transfers |
if accident-related and medically necessary |
if accident or life-threatening emergency and medically necessary |
if medically necessary |
| Follow-Up Liability |
up to 30 days
|
up to 60 days
|
up to 90 days
|
| Congenital Medical Conditions | - | - | - |
| Legal Expenses Insurance for Patients | |||
| Medical Assistance | |||
| Feel Good Package | |||
| Maximum Annual Amount |
300,000 Euro
|
600,000 Euro
|
Unlimited
|
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.
- 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.