Care Expatriate health insurance for expatriates

The Care Expatriate policy is tailored to the needs of private and business travellers and those on business assignments or emigrating worldwide. Health insurance can be taken out for long-term trips (stay abroad for at least 6 months up to a maximum of 5 years) up to a maximum entry age of 74 years..

Care Expatriate - travel health insurance online application

Insurance conditions Care Expatriate

International Health Insurance Comparison Calculator

Care Expatriate Basic/-Comfort/-Premium - All benefits at a glance*

Benefits Care Expatriate	Basic	Comfort	Premium
outpatient medical treatment deemed medically necessary and rendered by a physician up to 100%
repatriation for medical reasons
dental treatments including annual check-ups	up to 600 €
accident-related dental prosthesis	80% up to 1000 €	80% up to 2000 €	100% up to 3000 €
medication	up to 250 €	up to 500 €	up to 1500 €
psychotherapy	up to 500,- € (up to 100,- € per session)	up to 1000,- € (up to 100,- € per session)	up to 1500,- € (up to 150,- € per session)
home leave	up to 30 days	up to 45 days	up to 90 days
run-off cover (up to reinstatement of travel fitness)	1 month	3 months	no limit
medical aids prescribed by a physician	accident related up to 500,- €	up to 500,- €/ hearing and speech aids, wheelchairs up to 1000,- €	100% up to 2.500,- €
inpatient public health care in hospitals (general nursing class)			single room/shared two-person room outside of Germany
repatriation/burial costs in event of death of the insured person	up to 25.000,- €	up to 25.000,- €	up to 25.000,- €
dentures including the cost of repairs	-	60%	80%
screening examinations aimed at early detection of disease	-	up to 250,- €	up to 550,- €
visual aids	-	up to 100,- €	up to 300,- €
hospital per diem	-	20,- € (up to 20 days)	30,- € (up to 30 days)
right to continued insurance	-
acceptance guarantee for follow-on policy	-

*Overview of benefits (extracts). For a complete list of benefits see the insurance conditions.

Care Expatriate - travel health insurance online application

Field of application

The insurance policy covers medical treatment throughout the world. The following persons are insurable:

• Persons with permanent residence in Germany, Austria, EU countries, Member States of the Schengen agreement, Switzerland and Liechtenstein in any country worldwide.
• Persons with permanent residence in other countries of the world who are staying in Germany, Austria, EU countries, Member States of the Schengen agreement, Switzerland and Liechtenstein.
• Persons with permanent residence in Germany, Austria, EU countries, Member States of the Schengen agreement, Switzerland and Liechtenstein, who are staying in the above countries.

Not covered by the policy are countries of which the insured person is a national and/or which were the permanent place of residence of the person prior to commencing his/her travels.

Premium list | Care Expatriate | worldwide without NAFTA

Premium list | Care Expatriate | worldwide including NAFTA

Product description tariff Care Expatriate Basic

Summary of benefits:

• outpatient medical treatment deemed medically necessary and rendered by a physician: 100 %
• medicines and dressing prescribed by a physician up to 100 %
• pregnancy check-ups – as long as the insured is not pregnant on commencement of cover or at the time of applying for renewal of cover.
• inpatient medical treatment deemed medically necessary, shared room (general care category), without additional services (no private medical treatment)
• ambulance service required for inpatient medical treatment and/or from/to accident location
• medically required dental treatments including fillings as well as annual check-ups and visits to hygienist - 100% of bill up to 600 €o per insurance year
• dentures required following an accident, including the cost of repairs up to max. 1000.00 € per accident and insurance year completed
• repatriation/burial costs in event of death of the insured person up to 25,000.00 €
• treatment, such as massages and physiotherapy up to a total of 250 €o per insurance year
• psychotherapy up to 500.00 € per insured year (up to 100.00 € per session)
• aids due to an accident up to max. 500.00 € per insured year
• up to 30 days per year insurance cover in own country
• Existing medical conditions are generally not covered by the insurance.

The tariff provides for a general excess of € 150.00 per insured year.

For a complete list of benefits see the general insurance conditions (AVB).

Product description tariff Care Expatriate Comfort

The product is based on Care Expatriate Basic with the following extras:

• medically required dental treatments including fillings as well as annual check-ups and visits to hygienist - 100% of bill
• dentures required following an accident, including the cost of repairs up to max. 2.000,- € per accident and insurance year completed
• treatment, such as massages and physiotherapy up to a total of 500,- € per insurance year
• psychotherapy up to 1.000,- € per insured year (up to 100,- € per session)
• medical aids prescribed by a physician, max. 500,- € per insurance year
• wheelchairs, hearing and speech aids prescribed by a doctor, max. 1.000,- € per insurance year
• dentures deemed medically necessary (at 60%), max.
  • 500,- € in 1st insurance year (IY),
  • 1.000,- € in 2nd IY,
  • 1.500,- € in 3 rd IY,
  • 2.500,- € for every year thereafter.

  where treatment and medical cost projections are not submitted prior to treatment, only 50% of the maximum reimbursable treatment costs shall be paid out where the medical necessity of the treatment is subsequently demonstrated.

• screening examinations aimed at early detection of disease, max. 250,- € per insurance year
• vision aids prescribed by a physician, max. 100,- € per insurance year
• up to 45 days per year insurance cover in own country
• existing medical conditions can be insured with an excess of 5.000,- € per insurance year. An application for the excess to be waived can be made by providing more detailed health information.
• hospital per diem rate of 20,- € for each full inpatient day up to 20 days per insurance year

The tariff provides for a general excess of 150,- € or 500,- € per insured year. For a complete list of benefits see the general insurance conditions (AVB).

Product description tariff Care Expatriate Premium

The product is based on Care Expatriate Comfort with the following extras:

• inpatient medical treatment deemed medically necessary, shared room (general care category), without additional services. Where the policy applies outside of Germany, accommodation in a single room/shared two-person room is included
• dentures required following an accident, including the cost of repairs up to max. 3.000,- € per accident and insurance year completed
• treatment, such as massages and physiotherapy up to a total of 1.500,- € per insurance year
• repatriation/burial costs in event of death of the insured person up to 25.000,- €
• psychotherapy up to 1,500.00 EUR per insured year (up to 150,- € per session)
• medical aids prescribed by a physician, max. 2.500,- € per insurance year
• dentures deemed medically necessary (at 80%), max.
  • 750,- € in 1st insurance year (IY),
  • 1.500,- € in 2nd IY
  • 2.500,- € in 3 rd IY,
  • 4.000,- € for every year thereafter.

  where treatment and medical cost projections are not submitted prior to treatment, only 50% of the maximum reimbursable treatment costs shall be paid out where the medical necessity of the treatment is subsequently demonstrated.

• screening examinations aimed at early detection of disease, max. 500,- € per insurance year
• vision aids prescribed by a physician, max. 300,- € per insurance year
• up to 90 days per year insurance cover in own country
• hospital per diem rate of 30,- € for each full inpatient day up to 30 days per insurance year

The tariff provides for a general excess of 500,- € or 1.000,- € per insured year. Alternatively also policies without excess are available. For a complete list of benefits see the general insurance conditions (AVB).