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Expat Academic

Our health insurance tariff for educational stays abroad.

Awarded by F.A.Z. Institut - 30 years BDAE
Foto: © S Fanti/peopleimages.com, Adobe Stock

If you go abroad to study or to work as a trainee, you will most likely not be in the position to afford expensive covers. However, classical comprehensive health insurance products are usually comparably expensive and would put quite some pressure on relatively small budgets. EXPAT ACADEMIC enables you to satisfactorily balance a solid cover with a moderate premium.

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Benefits and variants

Expat Academic
Basis 		Expat Academic
Standard 		Expat Academic
Premium
Outpatient Medical Treatments
100 %
100 %
100 %
Inpatient Medical Treatments
100 %
100 %
100 %
Pharmaceutical Products, Bandages and Remedies
Prescribed pharmaceuticals and materials 100%

Remedies up to 250 Euro per year
Prescribed pharmaceuticals and materials 100 %

Remedies up to 500 Euro per year
Prescribed pharmaceuticals and materials 100%

Remedies up to 750 Euro per year
Dental Treatments
up to 250 Euro per year
up to 500 Euro per year
up to 900 Euro per year
Tooth Replacement/Orthodontic Treatment
50 %

up to 500 Euro per year
50 %

up to 500 Euro per year
50 %

up to 1,000 Euro per year
Preventive Medical Checkups - - -
Vaccinations - - -
Covid 19 Vaccination - - -
Pregnancy and Delivery
100 %
100 %
100 %
Infertility Treatments - - -
Aids and Appliances
up to 250 Euro per year
up to 500 Euro per year
up to 750 Euro per year
Visual Aids - - -
Eye Lasering - - -
Psychotherapy - - -
Patient Transports/Return Transports/Transfers
Patient transport 100%, return transport up to a maximum amount of 30,000 Euro per insured event, transfer in case of death up to a maximum amount of 7,500 Euro
Patient transport 100%, return transport up to a maximum amount of 30,000 Euro per insured event, transfer in case of death up to a maximum amount of 7,500 Euro
Patient transport 100%, return transport up to a maximum amount of 30,000 Euro per insured event, transfer in case of death up to a maximum amount of 10,000 Euro
Follow-Up Liability - - -
Congenital Medical Conditions - - -
Legal Expenses Insurance for Patients - - -
Medical Assistance - - -
Feel Good Package - - -
Maximum Annual Amount - - -
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.

Monthly premium

 

  EXPAT ACADEMIC
BASIS		 EXPAT ACADEMIC
STANDARD		 EXPAT ACADEMIC
PREMIUM
worldwide excl. USA/Canada
Month 1-12 25 Euro 31 Euro 48 Euro
Month 13-36 45 Euro 53 Euro 63 Euro
worldwide incl. USA/Canada
Month 1-12 38 Euro 45 Euro 65 Euro
Month 13-36 67 Euro 75 Euro 85 Euro

Product Information

  • Insurance cover for private individuals who stay abroad for educational/vocational training purposes
  • Worldwide vadility
  • The maximum insurable age is 34 years
  • The maximun duration of the insurance are three years
  • The policy holder or the insured person can terminate the insurance contract daily towards the end of the current insurance month
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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
  • Damages resulting from strike, civil disturbance, acts of war, nuclear energy and governmental interventions
  • Treatments resulting from events due to the participation in a non-tourist expedition
  • Treatments that are wilfully caused by the insured person
  • Preventive medical checkup
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