BDAE health insurance: Not just an alternative!
For those who want to work as a digital nomad from anywhere and live in different countries around the world, it is particularly important that their insurance coverage is valid in as many countries as possible, or even worldwide.
“If the whole world is your home, international health insurance is the best option!”
But where can I get health insurance as a digital nomad or expat?
These three international health insurance policies can be taken out without residency in Germany, are suitable for permanent living abroad, and offer the best value for money:
- BDAE – In good hands with international experts for all aspects of living and working abroad!
- APRIL INTERNATIONAL – Only pay for what you really need, thanks to individual insurance modules!
- PASSPORTCARD – Put everything on one card!
That’s why you need international health insurance with BDAE!
Your company abroad (e.g., a Canadian LLP or a US LLC) has been established, and you’re ready to leave your life in Germany and move out into the world as an expat. However, anyone who dares to take this big step must keep in mind that you’ll fall outside the German healthcare system if you’re deregistered from Germany.
If you don’t have suitable insurance coverage, you can incur immense medical costs in the event of an accident or illness abroad. However, affording the necessary treatment isn’t a problem if you have good insurance. With the BDAE (Association of Foreign Workers), you’re in good hands when it comes to health insurance.
Who is the BDAE international health insurance suitable for?
- Working abroad
- 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!
What’s special about BDAE
The special feature of the BDAE EXPAT INFINITY international health insurance is that all tariffs include patient legal expenses insurance.
The BDAE also has many years of expertise in living and working abroad and, in addition to international health insurance, offers other insurance solutions and consultations. Consultations can be booked on topics such as social security or tax law.
You are looking for private international health insurance with the following criteria:
- Can be taken out from abroad
- Insurance coverage until the end of life
- Eligibility possible
- Pre-existing conditions can be insured via risk surcharges
- No professional group excluded
- Patient legal protection included
…then the BDAE EXPAT INFINITY is ideal for you!
The price-performance ratio of the BDAE EXPAT INFINITY
is designed very fairly. Factors for calculating insurance premiums include the age at which the policy is joined and the selected country zone. Furthermore, there is the option of choosing a deductible. Deductibles are available between €0, €250, €500, and €1,000 per person and insurance year.
You can choose between three tariffs: BDAE EXPAT INFINITY Basic, Classic or Premium.
What are the benefits of the BDAE EXPAT INFINITY health insurance plan?
BDAE EXPAT INFINITY international health insurance can be applied for up to the age of 75 and can be taken out for life. Pre-existing medical conditions can be included through a risk premium. All professional groups are eligible.
As a German insurance company, BDAE naturally offers contact persons who speak their native language. This makes it much easier to clarify questions, understand contract documents, conclude contracts, and process claims.
These countries are covered by BDAE international health insurance
In Germany, work-related or vacation-related travel is only insured to a limited extent. Coverage is provided for up to six months per insurance year (cumulative). BDAE has a total of four tariff zones. Tariff zone 1 is the cheapest, and tariff zone 4 is the most expensive.
The costs of medical treatment vary considerably from country to country. Tariff zones are calculated accordingly. The tariff zone is determined by the country of residence. Full insurance coverage is provided for all countries within the selected zone, as well as for all countries located in one of the lower-cost zones.
If you are insured in a cheaper tariff zone, coverage for countries in the more expensive tariff zones, such as the USA, is limited to a maximum of six weeks (cumulative). This applies per insurance year for vacation or work-related stays. In this case, coverage is also limited to acute treatment needs.
BDAE – Our conclusion!
Essentially, BDAE’s insurance policy offers everything you need for excellent coverage. The rates are truly affordable, in line with the benefits offered! Furthermore, BDAE is a German insurer, so you don’t have to worry about the language. We also really like the option of a waiting period. This can be important if you want to “put your insurance on hold” for a while, especially if you have to take out mandatory insurance somewhere for a short time.
However, the policy loses points due to the lack of an option to opt out of outpatient treatment. Especially if you live in a country where outpatient treatment costs are very low, you’d rather pay for it out of pocket to avoid the expensive insurance option. An example of this is April International Health Insurance, where you can opt out of “outpatient” and thus save quite a bit of money.
Nevertheless, the BDAE offers everything you need to be able to travel or live abroad with insurance.
