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General Questions

How do I reach the BDAE in a medical emergency?

In the event of a medical emergency (e.g. an accident, an unscheduled hospital admission due to an emergency situation, etc.) you can reach the BDAE 24 hours a day, 7 days a week on the emergency hotline +49-40-30 68 74 74. Contact with medical assistance is guaranteed.

What are the benefits included in the BDAE membership?

As a member of BDAE e.V. you have the following exclusive benefits:

  • Detailed information about living in your designated country and advice on social security issues
  • Web-access to further information regarding your designated country
  • Assistance services by ALLIANZ GLOBAL ASSISTANCE Service Deutschland

What happens to my annuity insurance/nursing insurance when I go abroad?

Depending on the country you are going to and the duration of your stay, losing some years of contributions might be the consequence. This could also result in having no right to benefits after returning home. We therefore recommend that you seek advice before you leave the country – possibly from our foreign advisory service.

What means entitlement?

This is relevant in situations where a person holding a health insurance policy moves abroad for work or studies. During the period of stay abroad, the policy is effectively put on hold, and no benefits can be claimed under it. However, upon the Insured person’s return to Germany it can be re-activated. This is what ‚entitlement‘ guarantees.

The difference between a „Kleine Anwartschaft“ („small dormant solution“) and a „Große Anwartschaft“ („big dormant solution") are old age provisions which are built up during a big dormant solution. Your original entry age thereby remains the same after reactivating your old contract. Metaphorically, your health status and original entry age will be frozen with the beginning of your entitlement.

What is a deductible?

A deductible is the portion of the claimed costs which is borne by the Insured member – this can either be on an annual accumulated basis or on a per claim basis. Only the amount exceeding the deductible will be paid by the Insurer. As a result, products with a higher deductible still have lower premiums.

What is a tariff?

This term is a synonym for insurance product. Almost all BDAE tariffs start with EXPAT. The following name (e.g. FLEXIBLE or PRIVATE) then defines the certain tariff or product. Hence, if we ask you for your tariff, we mean the name of your insurance product.

Questions on Claims Handling

What is the safest and fastest way to get my claims to BDAE?

You can send us invoices of up to 1.000 euros simply and securely via our web upload.

Please click here.

More information on the web upload you find in this pdf.

However, you should archive the original invoices for possible checks.

Invoices that exceed 1,000 euros, must be submitted to us in the original

Our postal address is: BDAE Holding GmbH, Kühnehöfe 3, 22761 Hamburg, Germany

What is the definition of pre-existing conditions?

All medical conditions (diseases, chronic diseases etc.) which existed before the inception date of the policy are considered to be pre-existing conditions. This also includes an existing need for medical treatment, follow-up treatment and related drugs and medical aids.

When is a release from duty of confidentiality needed?

It might become necessary to ask a former insurer or doctor for more information on a certain claim or application. To allow them to pass this information to us, your consent is needed.

Do I have free choice of a medical practitioner?

Yes, anywhere in the world you can choose your medical practitioner freely.

Which hospitals would you recommend?

Please contact our assistance service provider ALLIANZ GLOBAL ASSISTANCE Service Deutschland.

Which treatments are covered and what do I have to be aware of while being pregnant?

The following treatments are covered depending on your product:

•    Pregnancy examinations, ultrasound testing, delivery
•    If medically necessary: midwife services during pregnancy,
•    14 midwife consultation during and after delivery (adopting the principles of the statutory health system of Germany)

Please send us a copy of the expectant mother’s records of prenatal and natal care or something comparable after you come to know about your pregnancy.

Are rehabilitation treatments covered?

No, BDAE insurance products do not cover rehabilitation treatments.

What happens if a visit to my home country exceeds the time covered by my policy?

You will not be reimbursed for any medical costs you incur in these circumstances.

Does my insurance cover visits to my home country?

Yes - depending on the tariff, you will be covered for visits to your home country up to a certain number of days. Please see the details in the terms and conditions of your policy.

When is medical evacuation possible?

To enable fast handling of your claim, it is important to submit all original bills, receipts and documents related to your condition.

You will find further information on the claims reimbursement form for your policy. This can be downloaded here.

What information do I need to provide in order to be reimbursed for my medical bills?

To allow a fast handling of your claims it is important that all original bills, receipts and documents related to your condition are submitted.

You will find further information on the claims reimbursement form of your product. These can be downloaded here.

In which language should the bills be in?

We ask that you submit your bills in either German or English wherever possible.

What is the time limit for submitting my bills?

Bills can be submitted up to three years from the date of the claim - irrespective of whether you are still insured with us at the time you submit them. The three years are counted from the end of the year in which the claim occurs.

However, we do of course prefer claims to be submitted as soon as possible, as it is more difficult to process them the more time has passed.

Can I submit my bills via email or fax?

We need the original bills in order to handle your claim. It is currently not possible to pre-check bills sent via email or fax.

What should I do if I have lost the original bills?

In this case, please contact the staff of the Claims Department.

When and why do I have to provide the EORI number?  

If you submit original medical documents, such as invoices, doctor's or laboratory reports, etc. and send them to us from abroad, please always note our EORI number DE295600038415981 on the envelope. This facilitates customs clearance and the documents can be delivered more quickly.

What do I need to know regarding dental treatment?

Dental bills have to be broken down by the cost of each single treatment for each treated tooth.

The majority of our products cover simple dental fillings (amalgam fillings). If you want to have composite fillings instead, you are free to obtain them but we will only refund the price of an amalgam filling. To take the country specific costs for simple fillings in account please ask your dentist to confirm these costs and submit that confirmation with your bill.

Annual check-ups are covered but no preventive treatments (dental clearance, deep cleaning or the like).

For details and certain conditions relating to your products, please check the terms and conditions of your products.

How are the procedures for coverage of dental prosthesis?

You will need to obtain a cost plan for the treatment from your dentist and send it to us. We will then confirm the amount covered in writing. Please be aware that waiting periods and coverage limitations relating to your product will be applicable.

What should I do if I need a dental prothesis?

If you would like to confirm how much of the cost will be covered by your policy before undergoing treatment, you will need to obtain a cost plan from your dentist and send it to us. We will then send you written confirmation of the amount covered.

Please take note of the waiting periods and coverage limitations associated with your policy.

Questions on premium adjustments

How often are insurance premiums adjusted?

We review the development of insurance claims annually and then make a decision on this basis as to whether an adjustment is necessary as of the respective insurance year. Unfortunately, it is simply not possible to predict whether premium adjustments will be necessary every year. There are years in which no premium adjustment was necessary - but there is no guarantee of this.

How high are the premium adjustments as a rule?

This is not predictable and always depends on the development of the insurance portfolio as well as on individual external influencing factors such as the development of medical costs. Of course, it is also our concern to keep the adjustments as low as possible.

Are there individual premium adjustments?

We do not make premium adjustments for individual policyholders.

With EXPAT INFINITY, we have developed a lifelong international health insurance in which we calculate the premiums more individually and fairly by, among other things, subdividing them according to age groups, selected scope of insurance and country of stay (zone model). Thus, there is still a community of insured persons, but if, for example, the costs for medical services in a certain region rise particularly sharply, individual insurance groups in the corresponding region may experience premium adjustments.

Premium adjustments due to increasing age are already fairly calculated with EXPAT INFINITY on the basis of regular predefined premium adjustments by age group. We are currently developing new international health insurance products, whose premiums are also calculated fairly according to more individual aspects.

Why are there premium adjustments?

In the case of the health insurance policies we offer abroad, the insurance premiums are calculated, among other things, with the policyholder community principle in mind. This means that the community of all insured persons in an insurance product bears the health risk of each individual in this group. In statutory health insurance, one also speaks of the solidarity principle. Increased costs are passed on to the "community", so to speak, in order to "cushion" the increased cost risk for each individual.

For the products of the BDAE GROUP this means that a so-called major loss, i.e. unexpectedly high health costs caused by individual insured persons, can lead to the income from insurance premiums no longer being in economic proportion to the expenditure for insurance benefits. In such a case, there is a risk of a negative loss ratio. In this case, the expenditure for health care costs would exceed the income.

Other reasons for premium adjustments are:

  • Rising costs in the global health system or in a specific region.
  • Medical progress and related costs
  • Increased life expectancy of insureds in life-long international health insurance policies
  • Increased use of medical services

Our goal is to provide long-lasting and stable products for the insured community. We check each individual insurance product every year for claims development and only adjust premiums if there is a need to do so.

Questions on contracts and applications

Do I have to undergo a medical examination beforehand?

When you apply for an EXPAT GERMANY policy, you must submit a health certificate or evidence of a previous German insurance policy if you have been resident in Germany for longer than 31 days. The health certificate must not have been issued more than 14 days before the date of your application.

When you apply for an EXPAT INIFINITY policy, you must submit a health declaration. If you are aged 60 or above, you must also submit a health certificate which was issued no more than 3 months before the date of the application. 

Why do most of your products have a time limit?

Usually, expatriates only stay abroad for a limited period of time. Most of our insurance products are designed for these circumstances. The limited policy durations also mean that we can offer better premiums than other providers.

But for moving abroad permanently, we have developed EXPAT RETIRED and EXPAT RESIDENT - which have no time limits at all.

Is it possible to pay the insurance premium via bank transfer?

Yes. But please note that if you pay in instalments you will be charged an additional fee of 2% of your premium for biannual instalments.

Please contact us if you have further questions on this subject.

Why does BDAE charge extra for payment in multiple instalments?

Payments made in instalments create additional administrative work. To cover the resulting costs, we are obliged to charge additional fees. 

What are the terms of cancellation?

Our terms of cancellation are as follows:

  • Private/individual health insurance products (excluding EXPAT RETIRED and EXPAT RESIDENT): you can give notice of cancellation at any time and the policy will be cancelled at the end of the following month
  • Corporate health insurance and unemployment insurance: you can give notice of cancellation at any time and the policy will be cancelled at the end of the current month
  • EXPAT RETIRED and EXPAT RESIDENT, liability insurance, accident insurance and legal expenses insurance: the policy can only be cancelled at the end of the current insurance year and you must give at least a three months’ notice
  • BDAE membership can only be cancelled at the end of the current calendar year and you must give at least a three months’ notice

Can I cancel my insurance immediately after returning to my home country?

You must observe our terms of cancellation. There is one exception to this, under Section 205 of the German Insurance Contract Act (VVG): if you are legally obliged to take out health insurance in Germany following your return, then you may cancel your policy with us up to 3 months following the date from which this obligation applies. In this case, you will need to provide proof of the obligation within two months after we request this in writing.

What will you accept as proof of my stay abroad?

We may request the following documents as proof:

  • Passport
  • Flight tickets 
  • Confirmation of visa

How often can I renew my insurance cover?

The EXPAT PRIVATE insurance product offers the possibility of a one-off extension for a further 5 years with the consent of the insurance company. 

For our other products, please consult the terms and conditions and contact us if you have any questions.

What do I need to know if I live in the USA or in Canada?

Many of our products have a special deductible for the USA/Canada. In addition, you must notify the insurer in advance of a planned stay in the USA/Canada in advance.

Please take note of the terms and conditions of your policy.

Please also note that claims for the USA/Canada are handled by our service provider.

What is the overall level of cover offered - is it comparable to statutory or private insurance in Germany?

The range of benefits offered depends on the policy you choose. Generally speaking, all products in the EXPAT series offer cover that is comparable to private health insurance cover in Germany.