FAQ about Coronavirus
In the course of the coronavirus crisis, a number of questions arise for many insured persons. We have compiled the most important questions on this page and will regularly update it.
Please note that due to the current circumstances we have an increased number of enquiries and also experience personal bottlenecks. However, we are largely there for you in the best possible way. Our office is staffed with a reduced number of employees during the opening hours and we are currently taking all possible measures to be able to continue to offer you the usual service.
Nevertheless, there may be delays in answering questions and concerns. Here we ask for your understanding. Many thanks!
Please also note that this FAQ does not replace our insurance conditions. For detailed information on the individual benefits, please refer to your insurance contract.
How do I reach the BDAE in a medical emergency?
You can still reach us during our usual office hours at +49-40-30 68 74 - 0, which are Monday to Thursday from 08:00 to 18:00 CET and Friday from 08:00 to 17:00 CET. Outside our office hours you can reach us on the emergency hotline +49-40-30 68 74 - 74.
Contact with medical assistance is still guaranteed.
I will probably exceed my contractually agreed period of residence in Germany. Am I still insured in Germany?
Due to this current exceptional situation, we have agreed with our insurers that home stays in Germany are insured until the end of 2020 in deviation from the agreements in the insurance conditions.
Home stays in other countries apply for 179 days per insurance year. The special conditions for stays in the USA and Switzerland continue to apply depending on your contract. However, if you are staying in the USA, Canada or Switzerland, we recommend that you contact us or ask your local health insurance provider for information.
What is the safest and fastest way to get my claims to the BDAE?
You can send us invoices of up to 1.000 euros simply and securely via our web upload.
More information on the web upload you find in this pdf.
However, you should archive the original invoices for possible checks.
If your invoices exceed 1,000 euros, please contact our billing service staff to discuss how to proceed. As a general rule, invoices exceeding 1,000 euros must be submitted to us in the original. However, we are willing to examine individual cases accordingly.
Our postal address is: BDAE Holding GmbH, Kühnehöfe 3, 22761 Hamburg, Germany
Am I covered if I get sick with Covid-19?
Medically necessary treatments, examinations and medication in the context of a Covid-19 disease caused by the corona virus are of course insured.
Is the corona test paid for?
A test for infection with the coronavirus is paid for if medically necessary and if ordered by a doctor.
If a test must be done before a medically necessary operation, this would also be an insured benefit.
However, if such a test is to be carried out as a prerequisite for entry to another country, there is no cover for this, as it is not a medical necessity.
Is the quarantine paid for?
As a rule, no costs are incurred for a domestic quarantine. However, if medically necessary treatment is required, we will of course reimburse the costs.
If an inpatient quarantine is ordered by your doctor, we will also cover all costs for medical treatment.
Am I also insured when I return to my country of residence - even if it is a risk area?
Our insurance conditions apply largely independently of the travel warnings of the Foreign Office. In particular, we do not deny our customers who live abroad the opportunity to return to their country of residence. Consequently, the benefits specified in the insurance contract are insured.
Will I be flown to Germany for treatment or to another country with better medical care?
In accordance with our insurance conditions, medically necessary return transport to the country in which the insured person has his or her habitual residence or domicile is insured. A return transport to Germany is therefore not included in the insurance cover.
If, however, you are staying in a country in which adequate medical care is not guaranteed in the event of corona infection, transport to the nearest hospital where medical care is guaranteed is insured.
If you are staying in a country from which you are currently unable to travel to Germany, we recommend that you contact the Federal Foreign Office. The Federal Government is currently organizing flights to bring German citizens back safely to their home country. In these cases, there is no medical reason for a repatriation via health insurance.