This product is a travel insurance offering comprehensive cover for up to 365 days consecutively, whereas similar products usually only cover up to a maximum of six weeks per year.
It is very flexible, since its inception date may be any day of the month and its premium is calculated according to the number of days insured. This allows the insured person to only insure and to only pay for the exact length of stay. EXPAT VISIT is suitable for foreign guests visiting Germany or any other European country for up to 365 days (e.g. visiting relatives) and for German nationals travelling worldwide for up to 365 days.
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 elaborate benefit details.
Medical conditions which arose or existed prior to the insurance cover or during the waiting period
Treatments on the occasion of a professional activity abroad treatments
Treatments of affective disorders or mental diseases as well as for psychosomatic treatments (e.g. hypnosis, autogenic training) and psychotherapy
Diseases or accidents resulting from willful acts including suicide or attempted suicide and addiction, like alcohol, drugs etc.; and consequences of such diseases or accidents, as well as for detox and physical withdrawal
The purchase of adjuvants, like e.g. glasses, contact lenses, insoles, prostheses, etc.
Health damages and death due to acts of war and civil commotion Rehabilitation and stays in spas or cure centers Treatment by relatives
Accommodation due to nursing dependency or custody