Expats
From €92 per month
Bernhard travel insurance broker
International Expat Insurance offers comprehensive worldwide cover and additional support for living and working abroad.
Optimally protected as an expat
International travel insurance for expats is aimed at people who are staying abroad on a permanent or long-term basis. It offers reliable health insurance cover worldwide - for individuals, families and students. Flexible benefit packages are available from €92 per month, which can be taken out and managed online.
The insurance makes sense because:
Our recommendation for expats & long-term stays - Hofmann Insurance Agency
As part of our group of companies, Hofmann offers specialized insurance brokerage for long-term stays
What does expat insurance cover?
This insurance was specially developed for international expats. It combines worldwide protection, flexibility and digital services with additional support for integration abroad.
Our tariffs
Extract of the most important services | |||
Maximum reimbursement amount | |||
Hospital accommodation | |||
Outpatient operations | |||
Partial inpatient treatment/day clinic | |||
Operation costs | |||
Intensive care | |||
Long-term care | |||
Organ transplantation | |||
Psychiatry and psychotherapy* | |||
Costs for doctors and therapists* | |||
Prescription drugs and materials* | |||
Preventive operations | |||
Daily hospital allowance (per night) | |||
*only for inpatient and day-care treatment |
Insurance conditions
Here you will find the complete insurance conditions for expat health insurance for individuals or families:
Note: Only the contents and wording of the insurance policy and the insurance conditions are legally binding.
Additional modules
Benefits | Bloom | Bloom Plus | |
|---|---|---|---|
Regular pregnancy | €5,000 | €10,000 | |
Complications during childbirth | €10,000 | €15,000 | |
Note: The maternity tariffs can only be purchased with the main Care Pro or Care Plus tariffs. The maternity plan is not available with the main Care plan. |
Extract of the most important benefits | Active | Active Plus | Active Pro |
|---|---|---|---|
Maximum reimbursement amount | €5,000 | €8,725 | €19,000 |
General medical costs and prescription drugs | €700 | €1,000 | ✓ |
Cancer screening examinations | X | ✓ | ✓ |
Video consultation services** | ✓ | ✓ | ✓ |
Treatments for infertility | X | X | 80% reimbursement up to €12,000 for life |
Note: Insurance cover for everyday or routine treatments, such as GP visits, diagnostic examinations, vaccinations or costs for appointments with a specialist. |
Benefits | Smile | Smile Plus |
|---|---|---|
Maximum reimbursement amount | € 2,050 | ✓ |
Dental treatment | 80% reimbursement | 100% reimbursement |
Surgical dental procedures | 80% reimbursement | 100% reimbursement |
Dental periodontal treatment | 80% reimbursement | 100% reimbursement |
Orthodontics and dentures | 50% reimbursement | 65% reimbursement, up to €5,000 |
Note: The following dental plans are optional. Smile Plus can only be taken out in combination with the main Care Pro plan. Smile can be taken out together with the main Care Plus or Care Core plans. Our dental plans are not available individually. |
Medical repatriation |
|
|---|---|
If the necessary treatment cannot be provided locally, you may choose to be repatriated to your home country instead of to the nearest appropriate medical facility | ✓ |
If ongoing treatment is required, we will reimburse the reasonable costs of accommodation in a hotel | ✓ |
Repatriation if no sufficiently controlled blood reserves are available | ✓ |
If, for medical reasons, the insured person cannot be transferred after completion of inpatient treatment and discharge from hospital, we will cover the reasonable costs of accommodation in a hotel | ✓ (max. 7 days) |
Costs for an accompanying person in the event of medical repatriation | € 3,000 |
Travel costs for insured family members in the event of repatriation | € 2,000 per.repat |
Travel costs for insured persons accompanying a family member who is in mortal danger or who has died | €1,500 |
Note: If no prior confirmation of costs is obtained for the benefits, we reserve the right to reject the claim for reimbursement. If the medical necessity of the treatment is subsequently proven, only 50% of the eligible costs will be reimbursed. |
Start your trip abroad with peace of mind now
Services
Here you will find our comprehensive benefits for expatriate health insurance:
You can access your contract content and services with any internet-enabled device (computer, laptop, cell phone & tablet).
Claims for reimbursement: Send your claims for reimbursement and track their status online
Insurance policy: View your insurance documents and premium payments
Health assistant: Digital tools and services for your health and well-being
You can receive medical advice by phone, video or chat via the telemedicine hub of our cooperation partner Allianz. All you need is a smartphone or a device with internet access.
It's so easy to talk to a doctor:
You have the option of obtaining a second medical opinion if you are unsure about a diagnosis or a necessary operation.
In the health and wellness support program you will find information on:
With tips, tools, videos, articles and guides, you can protect yourself from avoidable health risks: Services include a personal contact person to support policyholders in the event of a cancer diagnosis.
The expat support program helps you, for example, with
This confidential, multilingual support service offers professional advice for your new life as an expat.
Damage report
Claims handling is handled by our partner Allianz Care.
Emergency number 24/7:
German: + 353 1 630 1302
English: + 353 1 630 1301
E-mail: medical.services@allianzworldwidecare.com
You can find more information on the reimbursement procedure and tips in the event of a claim in the following PDF
Good reasons for a broker
You can rely on our expertise - independent, experienced and always at your side when it matters!
FAQ Expat health insurance
Yes, inpatient treatment and cost-intensive services (e.g. operations, organ transplants, rehabilitation) must be approved in advance by Allianz. A cost approval form is submitted for this purpose. Without prior approval, reimbursement may be refused or only 50% may be paid.
Outpatient invoices can be easily submitted via the MyHealth app or the portal. If the documents are complete, they are usually processed within 48 hours.
In the event of an emergency, the helpline must be informed within 48 hours. Allianz will then organize direct cost coverage with the hospital. In the event of repatriation or transfer, it is essential to contact Allianz in advance, otherwise the reimbursement of costs may be refused.
Yes, an excess of between €450 and €10,000 per year can be selected in the main tariff. The higher the excess, the lower the premiums.
For example, the Care tariff does not include preventive operations (e.g. to reduce the risk of hereditary diseases) and has lower reimbursement limits for rehabilitation and aftercare compared to Care Plus and Care Pro.
Care Plus offers:
Care Pro is aimed at expats with the highest demands who want comprehensive insurance cover worldwide - including preventive care, complex treatments and premium services.
There are three outpatient tariffs (Active, Active Plus, Active Pro). They supplement the main tariff with benefits for GP visits, preventive care, vaccinations and specialist appointments. They are particularly useful for expats who regularly make use of outpatient services.
The Bloom and Bloom Plus tariffs can only be taken out with Care Plus or Care Pro. They are not available for the main Care plan.
A waiting period of 10 months from the start of the insurance applies to maternity benefits.
In addition to the regular benefits, complications during childbirth are also covered - up to €10,000 in the Bloom plan and up to €15,000 in the Bloom Plus plan.
No. They are only available as a supplement to the main plan:
A waiting period of 16 months applies for orthodontic treatment and dentures.
If the necessary treatment is not possible locally. The insured person can then be transported either to their home country or to the nearest suitable clinic.
The return transport must always be approved and organized by Allianz in advance. Transportation arranged independently may be refused or only partially reimbursed.
Travel preparation
