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General FAQ

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.

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 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 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 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 incentives does BDAE offer its policyholders to live healthier or to look for favourable treatment options?

We do not work with incentives, because tracking health programmes, for example, would involve a lot of administrative work and this would then also be calculated into the insurance premiums. Living a healthy life is the responsibility of each individual. Our approach is based on calculating fair insurance premiums by zones, age, pre-existing conditions and deductible levels. For example, the insurance premium is lower if insured persons choose an annual deductible.

In EXPAT INFINITY, insured persons can choose a deductible of up to 1,000 euros, which significantly reduces the premium.

The age and country scales also help to calculate insurance premiums fairly. The health care systems of some countries are still relatively inexpensive, which is why insured persons pay lower premiums if they live in more favourable country zones Older insured persons in turn pay higher premiums than younger ones, because statistically speaking, health care costs increase with age - even if there are exceptions for individuals.

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.

Do I have a free choice of doctor or do I have to use contract clinics?

We offer our customers the option of visiting doctors and clinics of their choice. Via an app, insured persons also have the option of seeking medical advice 24/7 and even being able to call or chat with doctors. The application also includes a symptom checker and helps to locate doctors in the vicinity. 

Who can I contact if I cannot find my currently valid insurance conditions on the website?

We will be happy to send you the insurance conditions for all contracts that are not shown on our website in person.

Please contact our customer service at This email address is being protected from spambots. You need JavaScript enabled to view it..