Your reliable
     health insurance partner abroad



Care Expatriate - Health insurance for expatriates

Care Expatriate - Health insurance for expatriates

In brief


Health insurance for expatriates Bild 5 Health insurance for expatriates Bild 1 Health insurance for expatriates Bild 2 Health insurance for expatriates Bild 7 Health insurance for expatriates Bild 4 Health insurance for expatriates Bild 6 Health insurance for expatriates Bild 3 Health insurance for expatriates Bild 6
Insurable persons

Insurable persons are travelers who intend to stay for more than 6 continuous months abroad. A policy must commence prior to the insured person reaching the age of 75 and will end, at the latest, upon the person reaching the age of 80 (80th birthday).

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.

Health insurance for expatriates Bild 4 Health insurance for expatriates Bild 6 Health insurance for expatriates Bild 3 Health insurance for expatriates Bild 6
Insurer

Advigon Versicherung AG

Pflugstraße 20
9490 Vaduz
Liechtenstein

Duration of insurance

The minimum insurance period shall be 6 months. The maximum period of cover for stays in Germany is 5 years including all policy extensions.
Outside of Germany, persons can make any number of extension applications during their stay abroad until reaching the age of 75. Persons taking out an initial 5-year policy valid outside of Germany, will receive a one-off acceptance guarantee for a follow-on policy for a maximum period of a further 5 years(Care Expatriate Comfort / Care Expatriate Premium).

Care Expatriate Basic/-Comfort/-Premium - All benefits at a glance*
Health insurance
Benefits Care Expatriate Basic Comfort Premium
online application online application online application
online application
outpatient medical treatment deemed medically necessary and rendered by a physician up to 100 % Basic: Ja Comfort: Ja Premium: Ja
medicines prescribed by a physician Basic: Ja Comfort: Ja Premium: Ja
Additional costs for repatriation for medical reasons Basic: Ja Comfort: Ja Premium: Ja
dental treatments including annual check-ups Basic: Jaup to EUR 600.00 Comfort: Ja Premium: Ja
accident-related dental prosthesis Basic: Ja80 % up to EUR 1000.00 Comfort: Ja80 % up to EUR 2000.00 Premium: Ja100 % up to EUR 3000.00
medication Basic: Jaup to EUR 250.00 Comfort: Jaup to EUR 500.00 Premium: Jaup to EUR 1,500.00
psychotherapy Basic: Jaup to EUR 500.00(up to EUR 100.00 per session) Comfort: Jaup to EUR 1,000.00(up to EUR 100.00 per session) Premium: Jaup to EUR 1,500.00(up to EUR 150.00 per session)
home leave (Duration >= 1 Year) Basic: Jaup to 30 days / insurance year Comfort: Jaup to 45 days / insurance year Premium: Jaup to 90 days / insurance year
run-off cover (up to reinstatement of travel fitness) Basic: Ja1 Month Comfort: Ja3 Months Premium: Jano limit
medical aids prescribed by a physician Basic: Jaaccident related up to EUR 500.00 Comfort: Jaup to EUR 500.00/hearing and speech aids,
wheelchairs up to EUR 1000.00
Premium: Ja100% up to EUR 2,500.00
inpatient public health care in hospitals(general nursing class) Basic: Ja Comfort: Ja Premium: Jasingle room/shared
two-person room outside of Germany
repatriation/burial costs in event of death of the insured person Basic: Jaup to EUR 25,000.00 Comfort: Jaup to EUR 25,000.00 Premium: Jaup to EUR 25,000.00
dentures including the cost of repairs Basic: - Comfort: Ja60% Premium: Ja80%
screening examinations aimed at early detection of disease Basic: - Comfort: Jaup to EUR 250.00 Premium: Jaup to EUR 500.00
visual aids Basic: - Comfort: Jaup to EUR 100.00 Premium: Jaup to EUR 300.00
hospital per diem rate of all in EUR 100.00 for each full inpatient exceeding 14 days Basic: Ja Comfort: - Premium: -
hospital per diem Basic: - Comfort: JaEUR 20.00 (up to 20 days) Premium: JaEUR 30.00 (up to 30 days)
right to continued insurance Basic: - Comfort: Ja Premium: Ja
acceptance guarantee for follow-on policy Basic: - Comfort: Ja Premium: Ja
upon request: costs for transport for a visiting family member in case of in-patient treatment at a hospital for more than 14 days Basic: - Comfort: Ja 500,– EUR Premium: Ja 1000,– EUR

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


Premium list | Care Expatriate | worldwide without NAFTA
Insurance plan Basic Comfort Premium
Excess per year (in EUR) 150 150 500 0 500 1000

Premium list | Care Expatriate | worldwide including NAFTA
Insurance plan Basic Comfort Premium
Excess per year (in EUR) 150 150 500 0 500 1000
Take out insurance

Take out the insurance online: online application.

Download shortinfo

Auslandskrankenversicherung Care Expatriate Designelement Download shortinfo Care Expatriate (PDF)

Health insurance for expatriates Bild 5 Health insurance for expatriates Bild 1 Health insurance for expatriates Bild 2 Health insurance for expatriates Bild 7

Please note that the English translation is for convenience only. The legally binding version is the German one.


Care Expatriate

Insurance type: Health insurance for expatriates and residents



 Direct order

Care Concept AG
Your reliable health insurance partner abroad

Care Expatriate x

Insurance type
Health insurance for expatriates
Insurable persons
Emigrants, expatriates, residents, long trips
Age at beginning
0-74 Years
Premium Care Expatriate
from EUR 58 / Month
Duration
6 - 60 Months
Benefits*
  • Complies with all the requirements for a Schengen visa
  • Outpatient, inpatient and dental treatment
  • Preventive check-ups, therapy and medical aids (Comfort, Premium)
  • Up to 30 days (Basic), 45 days (Comfort), 90 days (Premium) per year insurance cover in own country
Care Expatriate • Description • Care Expatriate health insurance, Insurance abroad, insurance for expatriates emigrants, resident alien, expatriates, expats, business traveller, business people, seconded experts Information
Care Expatriate • In brief • Care Expatriate health insurance, Insurance abroad, insurance for expatriates emigrants, resident alien, expatriates, expats, business traveller, business people, seconded experts In brief (PDF)
Care Expatriate • online application • Care Expatriate health insurance, Insurance abroad, insurance for expatriates emigrants, resident alien, expatriates, expats, business traveller, business people, seconded experts online application

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