APRIL international health insurance: This could be the best and most affordable option!
If you deregister from Germany and move to a non-EU country, for example, you fall outside the German healthcare system and are therefore no longer covered by insurance. To avoid being stuck with enormous medical costs abroad, a globally valid insurance policy is a must: international health insurance!
These three international health insurance policies offer the best value for money, can be taken out without residency in Germany, and are suitable for permanent living abroad:
- APRIL INTERNATIONAL – Only pay for what you really need, thanks to individual insurance modules!
- BDAE – Get expert advice from our international experts on living and working abroad!
- PASSPORTCARD – Put everything on one card!
The most frequently asked questions of many digital nomads and expats
Living abroad or being able to work permanently as a digital nomad from anywhere in the world (e.g. through a Canadian LLP or US LLC) is the dream of many.
Some have already built a successful online business abroad. Others are on the verge of realizing their dream of living and working abroad. Nevertheless, they all face the crucial question:
- How can I get health insurance abroad?
- What health insurance can I take out without living in Germany?
- Which health insurance provider can I use as a digital nomad?
APRIL Insurance: Health insurance tailored to your needs for little money?
The APRIL INTERNATIONAL MYHEALTH INTERNATIONAL offers options to customize the insurance individually. This way, you only insure what is truly important based on your own needs, and only pay for what is necessary.
For example, outpatient coverage can be excluded. Accordingly, the premium is reduced by at least 30%. Treatments related to eyes, teeth, or pregnancy can be added individually. You can also choose a deductible between €500 – €5000 per insurance year in order to lower the monthly insurance premium. Thanks to this flexibility, you get an excellent price-performance ratio!
April health insurance and the simple reimbursement process
Inpatient treatment costs are covered directly by APRIL INTERNATIONAL. This means that hospitals are billed directly and you do not have to make advance payments in the event of a hospital stay.
The Easy Claim app is designed for claims for reimbursement of outpatient treatments. Invoices and treatment costs of any amount can be submitted through it. The app also provides an easy overview of contract-related details.
Which countries are covered by APRIL INTERNATIONAL insurance?
At APRIL INTERNATIONAL there are a total of 6 tariff zones. Tariff zone 0 corresponds to the most expensive and tariff zone 5 to the cheapest. Depending on the country in which you mainly reside, the destination country, the tariff zone is determined. The insurance coverage then applies to all countries that are also in this zone as well as in the countries of the lower tariff zones:
Depending on events, there is an exclusion list of countries where no insurance coverage can be provided. This list is regularly updated and can be viewed on the APRIL INTERNATIONAL website. If you are planning a trip or a move to another country and it is already in the same tariff zone as your current country of residence, you therefore do not need to take out a new international health insurance policy.
In the event that you travel to a country in a higher tariff zone, the insurance coverage remains valid for 90 consecutive days. However, this only applies to accidents or medical emergencies and not in excluded countries!
For whom is APRIL INTERNATIONAL international health insurance suitable?
- Digital nomads outside and inside Europe
- Emigrants
- Perpetual Traveller
- Online entrepreneurs based abroad
- Permanent travelers
- World travelers
- Simply anyone who is traveling abroad for a long time!
Further advantages of international health insurance with APRIL
APRIL INTERNATIONAL issues insurance documents in German, English, or French and has multilingual contacts. Language barriers are thus virtually nonexistent and the explanation and submission of insurance claims is simplified.
No contract termination by the insurer due to claims! APRIL MYHEALTH INTERNATIONAL guarantees unlimited insurance coverage! Premiums are not increased individually, but generally slightly adjusted. This means there are no age groups where the price is increased every five years or so; instead, the price is adjusted for everyone.
APRIL’s private international health insurance includes the following benefits:
- Contract conclusion possible from abroad
- Permanent term
- No advance payment for inpatient treatment
- Repatriation & treatment in the home country
- Flexible insurance solutions
- Personal advice 24/7
- Illness is not a reason for termination for April
Therefore, APRIL MYHEALTH INTERNATIONAL is a very good, if not the best, decision you can make!
Our conclusion on APRIL International Insurance!
Luckily, we stumbled upon this insurance provider, so to speak. Because we can highly recommend April International!
April earns the biggest bonus points through the following benefits:
1. With April, you can opt out of outpatient treatment, which provides significant cost savings. This is, of course, only recommended if you have sufficient financial reserves or if you live in a country where outpatient hospital costs are very low (e.g., Thailand!)
2. April Versicherung cannot cancel your policy due to illness like many other insurers!
Unfortunately, there’s a point deduction due to the lack of a waiting period, which the BDAE, for example, offers with its insurance. With a waiting period, you have the option of putting your insurance on hold if you don’t currently need it. You pay a small fee to maintain your coverage, and if you want to rejoin the insurance, you won’t need another medical examination.
Fundamentally, APRIL International is a top-notch insurer with German support and a truly great smartphone app. The prices are perfectly reasonable compared to the competition. And if push comes to shove, APRIL will bill the hospital directly and won’t subsequently cancel your policy or increase your premiums like other insurers do.
In any case, April has our recommendation and is even moving to the top of our recommendation list with her offer!
