International healthinsurance for world travellers
You have these advantages:
- Complete cover abroad even with travel warnings
- All-round service: 24-hour emergency number
- digital health advice
- Home stays are also insured
- Insurance can also be taken out from abroad
- Flexible insurance cover: basic and premium cover can be freely selected
- All occupational groups are insurable
Safe through Southeast Asia
Cover for globetrotters and digital nomads
With the BDAE you have a specialist in the field of long-term health insurance abroad. With EXPAT INFINITY, the BDAE offers an international health insurance that is unique worldwide and, for example, also covers existing illnesses.
And if you are only going to Southeast Asia for a limited time or simply want to go on a world trip, you can also take out the cheapest possible international health insurance. The BDAE, for example, offers a good alternative with EXPAT FLEXIBLE. Important: This insurance is valid for a maximum of 5 years. It can be extended, but it is possible that you may then no longer be insurable due to new pre-existing conditions.
But just ask the BDAE team for advice - as I did. Just get in touch under the keyword "Ken abroad".
We are happy to
advice you!
recommended by "Ken Abroad" (no discount code)
That's why I recommend BDAE overseas health insurance
I'm Ken, a full-time traveller who travels around Southeast Asia. My goal is to visit every country in Southeast Asia and film travel vlogs about them. It is important for me to take good care of my health while doing so. That's why I have taken out my international health insurance with the BDAE. The company has been focusing on international health insurance for more than 25 years.
The insurances are suitable for:
- short stays, such as the next holiday up to a maximum of 365 days
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stays and trips for up to 5 years
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planned stays and trips longer than 5 years
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Emigrants who want to live in another place
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Expats and digital nomads who live and work abroad
| Benefit | Expat Infinity | Expat Flexible | Expat Private | Expat Private Premium |
|---|---|---|---|---|
| Outpatient Medical Treatments |
100 %
No limit per insurance year
|
100 %
|
100 %
|
100 %
|
| Inpatient Medical Treatments |
100 %
Accommodation as private patient in a single room.
Accommodation of one parent for inpatient treatment of insured children.
|
100 %
|
100 %
|
100 %
as a private patient in a single room |
| Pharmaceutical Products, Bandages and Remedies |
100 % |
100 %
|
100 %
|
100 %
|
| Dental Treatments |
100 %
Inlays and onlays covered as dental replacement treatment
|
100 %
|
100 %
|
100 %
|
| Tooth Replacement/Orthodontic Treatment |
90 %
up to 4,000 euros per year
|
60 %
up to 1,200 Euro per year
|
80 %
up to 4,000 Euro per year |
90 %
up to 4,000 Euro per year |
| Preventive Medical Checkups |
100 %
Preventive medical check-ups for children and cancer screening;
Check-ups up to 300 euros per year
|
100 %
cancer screening |
100 %
preventive medical check-ups for children and cancer screening |
100 %
Preventive medical check-ups for children and cancer screening; Check-ups up to 300 euros per year |
| Vaccinations |
Children: General vaccinations 100%, travel vaccinations up to 250 euros per year. Adults: general vaccinations, inclusive of travel vaccinations up to 600 euros per year |
Children:
General vaccinations 100 % |
Children: Adults: Travel vaccinations up to 250 euros per year |
|
| Covid 19 Vaccination | ||||
| Pregnancy and Delivery |
100 %
|
100 %
|
100 %
|
|
| Infertility Treatments |
up to 60 %
but in no case more than 6,000 Euro per couple
|
|||
| Aids and Appliances |
80 %
up to 2,000 euros per year
|
80 %
up to 1,000 Euro per year |
80 %
up to 1,000 Euro per year |
80 %
up to 2.000 Euro per year |
| Visual Aids inclusive of Eyesight Tests |
600 euros every three years
|
|||
| Eye Lasering |
up to 2,500 euros per eye and per contract term
|
|||
| Psychotherapy |
80 % for outpatient treatments, up to 2,000 euros per year;
for inpatient treatments, up to 30 days per contract term
|
80% on outpatient trauma treatment,
up to 2,000 Euro per year |
80 % for outpatient treatments, up to 2,000 euros per year;
for inpatient treatments, up to 30 days per contract term |
|
| Patient Transports/Return Transports/Transfers |
Patient transport 100%, return transport up to a maximum amount of 250,000 Euro per insured event, transfer in case of death up to a maximum amount of 10,000 Euro
|
Patient transport 100%, return transport up to a maximum amount of 250,000 Euro per insured event, transfer in case of death up to a maximum amount of 10,000 Euro
|
Patient transport 100%, return transport up to a maximum amount of 250,000 Euro per insured event, transfer in case of death up to a maximum amount of 10,000 Euro
|
Patient transport 100%, return transport up to a maximum amount of 250,000 Euro per insured event, transfer in case of death up to a maximum amount of 10,000 Euro
|
| Follow-Up Liability | ||||
| Congenital Medical Conditions |
Coverage via risk markups possible
|
after a period of one year without any medical necessary treatments
|
||
| Legal Expenses Insurance for Patients | ||||
| Medical Assistance | ||||
| Maximum Annual Amount |
unlimited
|
|||
| * In variant Expat Infinity Premium. The scope of benefits of the lower-priced product variants may vary. | * In variant Expat Flexible Plus. The scope of benefits of the lower-priced product variants may vary. | |||
Your selected insurance product: Expat Infinity
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General Contract Terms and Conditions
- Insurance coverage for private individuals
- The maximum age for being eligible in this respect shall be 75 years
- Termination with one month’s notice with effect from the end of the insurance year
Country Zones and Age Groups
Due to the fact that, on an international level, costs for medical treatments vary from country to country and the average claims ratio of a group of insured persons increases with age, the EXPAT INFINITY product provides for four country zones and insurance premium rates split by age groups. This allows us to offer our customers the utmost level of fairness with respect to the amount of insurance premiums in accordance with their living conditions.
Deductible
The options available with respect to the amount of the deductible shall be EUR 0, EUR 250, EUR 500 and EUR 1,000 per Insured Person and insurance year.
Risk Markups
In the event of particularly severe previous illnesses or chronical diseases, private insurers are frequently not in a position to offer coverage to the applicant concerned. In order to provide coverage for customers with pre-existing diseases, BDAE introduced risk markups for the EXPAT INFINITY product. Such markups will be added to the insurance premium and differ depending on the state of health. In some individual cases, however, the risk surcharge may be so high that unfortunately an insurance offer cannot be made.
Downloads
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Expat Infinity
BasicExpat Infinity
ClassicExpat Infinity
PremiumOutpatient Medical Treatments - 100 %
bis 15.000 Euro pro Versicherungsjahr100 %
Keine Begrenzung pro VersicherungsjahrInpatient Medical Treatments 100 %
Außerhalb Deutschlands:
Unterbringung als Privatpatient im Zweibettzimmer
In Deutschland:
Unterbringung in der allgemeinen Pflegeklasse100 %
Außerhalb Deutschlands:
Unterbringung als Privatpatient im Zweibettzimmer
In Deutschland:
Unterbringung in der allgemeinen Pflegeklasse100 %
Unterbringung als Privatpatient im Einbetteinzelzimmer
Unterbringung eines Elternteils bei stationärer Behandlung versicherter Kinder.Pharmaceutical Products, Bandages and Remedies Im Rahmen von stationären Heilbehandlungen
100 %100 %
Dental Treatments - 100 %100 %
Inlays und Onlays als Zahnersatzbehandlung versichertTooth Replacement/Orthodontic Treatment - - 90 %
bis zu 4.000 Euro pro JahrPreventive Medical Checkups - 100 %
Vorsorgeuntersuchungen für Kinder und Krebsvorsorge;100 %
Vorsorgeuntersuchungen für Kinder und Krebsvorsorge;
Check-Ups bis 300 Euro pro JahrVaccinations - Kinder:
allgemeine Impfungen 100 %
Erwachsene:
-Kinder:
allgemeine Impfungen 100 %, Reiseschutzimpfungen bis zu 250 Euro pro Jahr
Erwachsene:
allgemeine Impfungen und Reiseschutzimpfungen bis zu 600 Euro pro Jahr
Covid 19 Vaccination - - Pregnancy and Delivery - - 100 %Infertility Treatments - - bis zu 60 %
höchstens jedoch bis zu 6.000 Euro pro PaarAids and Appliances - 80 %
bis zu 1.000 Euro pro Jahr80 %
bis zu 2.000 Euro pro JahrVisual Aids inclusive of Eyesight Tests - 50 Euro pro Jahr600 Euro alle drei JahreEye Lasering - - bis 2.500 Euro je Auge und pro VertragslaufzeitPsychotherapy - - 80 % für ambulante Behandlungen, bis zu 2.000 Euro pro Jahr;
für stationäre Behandlungen bis zu 30 Tage pro VertragslaufzeitPatient Transports/Return Transports/Transfers Krankentransport 100 %, Rücktransport max. 250.000 Euro pro Schadenereignis, Überführung im Todesfall max. 10.000 EuroKrankentransport 100 %, Rücktransport max. 250.000 Euro pro Schadenereignis, Überführung im Todesfall max. 10.000 EuroKrankentransport 100 %, Rücktransport max. 250.000 Euro pro Schadenereignis, Überführung im Todesfall max. 10.000 EuroFollow-Up Liability - Congenital Medical Conditions Einschluss über Risikozuschläge möglichEinschluss über Risikozuschläge möglichEinschluss über Risikozuschläge möglichLegal Expenses Insurance for Patients Medical Assistance Maximum Annual Amount 1.000.000 EurounbegrenztunbegrenztThis overwiev presents the key benefits and exclusions. For further information please refer to the Terms and Conditions Part I and II. -
The amount of the insurance premium depends on the desired country zone, the age of the Person to be Insured, the desired deductible, the chosen product variant as well as possible risk markups (see reverse side).
EXPAT INFINITY BASIC offers insurance coverage at an entry-level premium as from EUR 39. EXPAT INFINITY CLASSIC with additional benefits is offered at a premium as from EUR 56 and EXPAT INFINITY PREMIUM offers even more benefits against payment of an entry-level premium as from EUR 75.
Due to the possibility to adjust coverage to individual needs, however, the individual insurance premiums may considerably differ from entry-level premiums. We therefore recommend you to ask for a personal offer via our website.
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- Treatments based on infirmity and a need for care or custody
- Treatments of mental or psychological disorder and diseases, psychosomatic treatments like hypnosis and autogenic training as well as suicide attempts and their consequences
- Immunisation measures
- Withdrawal treatments inclusive of withdrawal cures and treatments of a dependency syndrome
- In the case of professional participation in competitions, a separate risk assessment is carried out.
- In some individual cases, however, the risk surcharge may be so high that unfortunately an insurance offer cannot be made
Please refer to the Terms and Conditions Part I and II for an elaborate list of exclusions.
Your selected insurance product: Expat Flexible
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- Insurance cover for natural persons
- Worldwide insurance coverage, except USA and Switzerland
- The maximum insurable age is 66 years
- The maximum term of insurance relationship is 5 years
- The insurance relationship can be terminated at any time. In this case it shall end upon expiry of the month following the month of termination.
- Insurance coverage in the home country possible
- Assistance and emergency services (for instance: multilingual 24-h emergency hotline)
- Worldwide Patient Legal Expenses Insurance
Downloads
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Expat Flexible
BasisExpat Flexible
PlusOutpatient Medical Treatments 100 %100 %Inpatient Medical Treatments 100 %100 %Pharmaceutical Products, Bandages and Remedies 100 %100 %Dental Treatments 100 %100 %Tooth Replacement/Orthodontic Treatment - 60 %
bis zu 1.200 Euro pro JahrPreventive Medical Checkups - 100 %
KrebsvorsorgeVaccinations - - Covid 19 Vaccination - - Pregnancy and Delivery - - Infertility Treatments - - Aids and Appliances - 80 %
bis zu 1.000 Euro pro JahrVisual Aids inclusive of Eyesight Tests - - Eye Lasering - - Psychotherapy - - Patient Transports/Return Transports/Transfers Krankentransport 100 %, Rücktransport max. 250.000 Euro pro Schadenereignis, Überführung im Todesfall max. 10.000 EuroKrankentransport 100 %, Rücktransport max. 250.000 Euro pro Schadenereignis, Überführung im Todesfall max. 10.000 EuroFollow-Up Liability Congenital Medical Conditions - - Legal Expenses Insurance for Patients Medical Assistance Maximum Annual Amount This overwiev presents the key benefits and exclusions. For further information please refer to the Terms and Conditions Part I and II. -
EXPAT Flexible
BASISEXPAT Flexible
Plusworldwide (limited for USA, Canada and Switzerland)
(includes insurance coverage up to 42 days for stays in the USA, Canada and Switzerland)105 Euro 152 Euro worldwide (limited for USA and Switzerland)
(includes insurance coverage up to 42 days for stays in the USA and Switzerland and up to 365 days in case of stays in Canada)425 Euro 568 Euro Please note that the entire monthly premium is due upon signing the contract, regardless of the date of the signing.
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- Insurance claims occured or existing prior to the start of the insurance coverage and as well as for insurance claims occured during the waiting period (pre-existing illnesses and existingneed for treatment)
- Treatments based on infirmity and a need for care or custody
- Treatments due to sterility and artificial insemination as well as preliminary examinations
- Treatments of mental or psychological disorder and diseases, psychotherapy, psychosomatic treatments like hypnosis and autogenic training and as well as suicide attemps and their consequences
- Immunisation measures
- Benefits in connection with pregnancy and delivery
- Withdrawal treatments inclusive of withdrawal cures and treatments of a dependency syndrome
Your selected insurance product: Expat Private
-
- Insurance cover for private individuals
- Worldwide insurance coverage, except USA and Switzerland
- The maximum insurable age is 66 years
- The insurance cover may be terminated any time. In this case the insurance cover ceases at the end of the month following the month in which the notice of termination has been submitted to the policy holder.
- Insurance cover in your home country if included under the chosen geographical area
- Assistance and emergency services (e.g. multi-lingual emergency hotline)
- Worldwide legal cover in case of medical malpractice
Downloads
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Expat Private
Outpatient Medical Treatments 100 %Inpatient Medical Treatments 100 %Pharmaceutical Products, Bandages and Remedies 100 %Dental Treatments 100 %Tooth Replacement/Orthodontic Treatment 80 %
bis zu 4.000 Euro pro JahrPreventive Medical Checkups 100 %
Vorsorgeuntersuchungen für Kinder und KrebsvorsorgeVaccinations Kinder:
Allgemeine Impfungen 100 %Covid 19 Vaccination - Pregnancy and Delivery 100 %Infertility Treatments - Aids and Appliances 80 %
bis zu 1.000 Euro pro JahrVisual Aids inclusive of Eyesight Tests - Eye Lasering - Psychotherapy bei Trauma 80 % für ambulante Behandlungen,
bis zu 2.000 Euro pro JahrPatient Transports/Return Transports/Transfers Krankentransport 100 %, Rücktransport max. 250.000 Euro pro Schadenereignis, Überführung im Todesfall max. 10.000 EuroFollow-Up Liability Congenital Medical Conditions - Legal Expenses Insurance for Patients Medical Assistance Maximum Annual Amount - This overwiev presents the key benefits and exclusions. For further information please refer to the Terms and Conditions Part I and II. -
entitled Person dependants worldwide (limited for the USA, Canada and Switzerland)
(includes insurance coverage up to 42 days for stays in the USA, Canada and Switzerland)169 Euro 228 Euro worldwide (limited for the USA and Switzerland)
(includes insurance coverage up to 42 days for stays in the USA and Switzerland and up to 365 days for stays in Canada)490 Euro 699 Euro Please note that the entire monthly premium is due upon signing the contract, regardless of the date of the signing.
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- Medical conditions which arose or existed prior to the insurance cover or during the waiting period
- Rehabilitation and Stays in Spas or Cure Centers
- Infertility Treatment and all related check-ups
- Treatment of illnesses related to drug abuse and rehabilitation
Your selected insurance product: Expat Private Premium
-
- Insurance cover for private individuals
- Worldwide insurance coverage, except USA and Switzerland
- The maximum insurable age is 66 years
- Insurance cover up to the age of 67 possible
- Pre-existing conditions covered after one year without treatment
- The insurance cover may be terminated any time. In this case the insurance cover ceases at the end of the month following the month in which the notice of termination has been submitted to the policy holder.
- Insurance cover in your home country if included under the chosen geographical area
- Assistance and emergency services (e.g. multi-lingual emergency hotline)
- Worldwide legal cover in case of medical malpractice
Downloads
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Expat Private Premium
Outpatient Medical Treatments 100 %Inpatient Medical Treatments 100 %
Unterbringung als Privatpatient im EinbetteinzelzimmerPharmaceutical Products, Bandages and Remedies 100 %Dental Treatments 100 %Tooth Replacement/Orthodontic Treatment 90 %
bis zu 4.000 Euro pro JahrPreventive Medical Checkups 100 %
Vorsorgeuntersuchungen für Kinder und Krebsvorsorge;
Check-Ups bis 300 Euro pro JahrVaccinations
Kinder:
Allgemeine Impfungen 100 %
Reiseschutzimpfungen bis zu 250 Euro pro Jahr
Erwachsene:
Reiseschutzimpfungen bis zu 250 Euro pro Jahr
Covid 19 Vaccination - Pregnancy and Delivery 100 %Infertility Treatments - Aids and Appliances 80 %
bis zu 2.000 Euro pro JahrVisual Aids inclusive of Eyesight Tests - Eye Lasering - Psychotherapy 80 % für ambulante Behandlungen, bis zu 2.000 Euro pro Jahr;
für stationäre Behandlungen bis zu 30 Tage pro VertragslaufzeitPatient Transports/Return Transports/Transfers Krankentransport 100 %, Rücktransport max. 250.000 Euro pro Schadenereignis, Überführung im Todesfall max. 10.000 EuroFollow-Up Liability Congenital Medical Conditions nach einem behandlungsfreien JahrLegal Expenses Insurance for Patients Medical Assistance Maximum Annual Amount This overwiev presents the key benefits and exclusions. For further information please refer to the Terms and Conditions Part I and II. -
0 - 11 years of age 12 - 49 years of age 50 - 66 years of age worldwide (limited for the USA, Canada and Switzerland)
(includes insurance coverage up to 42 days for stays in the USA, Canada and Switzerland)261 Euro 346 Euro 381 Euro worldwide (limited for the USA and Switzerland)
(includes insurance coverage up to 42 days for stays in the USA and Switzerland and up to 365 days for stays in Canada)679 Euro 850 Euro 1,238 Euro Please note that the entire monthly premium is due upon signing the contract, regardless of the date of the signing.
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- Medical conditions which arose or existed prior to the insurance cover or during the waiting period
- Pre-existing illnesses are covered after a period of one year without any medical necessary treatments
- Rehabilitation and Stays in Spas or Cure Centers
- Infertility Treatment and all related check-ups
- Immunisation Treatments
- Treatment of illnesses related to drug abuse and rehabilitation
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Martin travels to Southeast Asia
After school, Martin wants to enjoy life a bit more and pursue his hobbies of diving and photography. He has always wanted to travel to Southeast Asia and take photos for his blog. He wants to be on the road for a maximum of two years and first travel to Bali and go diving there. He doesn't have much money for health insurance abroad.
That's why EXPAT FLEXIBLE is the ideal product for Martin: the international health insurance offers him worldwide coverage. Since pre-existing conditions are not covered, the insurance can be taken out for as little as 97 euros a month. In addition, Martin can change the country of residence at any time without having to worry about a new health insurance policy abroad.
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Tim is a young SEO expert and plans to emigrate
Tim is a young SEO expert in Germany and insanely successful with his company. But at some point he got fed up with Germany and ended up in Bali. Everything is great here, but Tim was faced with a big problem: how to get the best possible health insurance in Bali?
That's why Expat Infinity is the ideal international health insurance for Tim: In the BASIC version of EXPAT INFINITY, Tim pays only 55 euros per month with a deductible of 250 euros per year and is thus covered in Bali and temporarily also worldwide (with the exception of the USA). If he wants to insure his family later, he can switch to EXPAT INFINITY PREMIUM. Both variants are also suitable for a potential partner who wants to have children.
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Melanie finally wants health insurance
Melanie has been working as a diving instructor in various countries for several years. At the beginning, she did not think about her health insurance. Due to various events in her environment, she would now like to insure herself without coming back to Germany.
That's why EXPAT INFINITY is the ideal provider for Melanie: Melanie already lives abroad and has been looking for a long time for a provider who doesn't have a problem with her taking out her international health insurance from abroad. Because she doesn't want to settle down yet, it is important to her that the insurance cover also applies if she changes her country of residence.
