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Expat Visit

A health insurance for visitors to Germany or short term travellers worldwide, with the premium computation based on the number of days spent in Germany.

Foto: © andreybiling, Adobe Stock

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.

Benefits and variants

Expat Visit
Outpatient Medical Treatments
100 %
Inpatient Medical Treatments
100 %
Pharmaceutical Products, Bandages and Remedies
100 %
Dental Treatments
up to 500 Euro per year
Tooth Replacement/Orthodontic Treatment
50 %

up to 250 Euro per year
Preventive Medical Checkups -
Vaccinations -
Covid 19 Vaccination -
Pregnancy and Delivery
100 %
Infertility Treatments -
Aids and Appliances
Medically necessary crutches and rental costs of a wheelchair
Visual Aids inclusive of Eyesight Tests -
Eye Lasering -
Psychotherapy -
Patient Transports/Return Transports/Transfers
Follow-Up Liability -
Congenital Medical Conditions -
Legal Expenses Insurance for Patients -
Medical Assistance -
Maximum Annual Amount -

Daily premium

  EXPAT Visit
excluding USA/Canada
including USA/CANADA
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

Product Information

  • 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 an elaborate list of exclusions.

  • 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