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.
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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including x-ray diagnostics
|Prescribed pharmaceuticals and materials||100%|
|Prescribed massages, medical packages and inhalations||up to 300 Euro per year|
|Pain-relieving dental treatment including fillings in simple form||up to 500 Euro per year|
under consideration of the tooth scale limits and after the expiry of waiting periods
|50% up to 250 Euro|
|Maternity and Childbirth||100%|
|Medical aids||Medically necessary crutches and rental costs of a wheelchair|
|Repatriation of mortal remains||up to 10,000 Euro|
|up to 64 years||1.10 Euro per day||3.30 Euro per day|
|from 65 years||3.30 Euro per day||9.90 Euro per day|
|from 75 years||5.50 Euro per day||16.50 Euro per day|
- Foreign guests visiting Germany or any other European country
- German nationals travelling worldwide
- Business trips are not insurable
- Contract of insurance must be concluded prior to the departure
- In case of trips to Germany, contract can be concluded within 10 days after the entry
- Maximum insurable age is unlimited
- maximum duration of the insurance are 365 days
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 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