Your reliable
     health insurance partner abroad

Der Tarif Care Ambassade kann ab dem 15.12.2018 nicht mehr abgeschlossen werden. Wenden Sie sich bitte an den Vertrieb der Care Concept AG (0228 9773544), um eine geeignete Lösung zu finden.

Care Ambassade - flexible Versicherung für Auslandsaufenthalte ab einem Jahr bis unbefristet



Ambassade product overview:


Ambassade - flexible insurance cover for expatriates staying abroad for more than a year (up to unlimited life-time cover)

  • Insurance cover for expatriates of any nationality, staying abroad (=not country of nationality)
  • Fully flexible benefits
  • Age limit for applications: up to and including 70
  • Life-time cover: you are covered for as long as you want
  • Worldwide insurance cover possible (depending on chosen insurance zone)
  • Full insurance cover also in your country of nationality during temporary stays (if it is located in the insured zone)
  • Competitive family premiums
  • Attractive range of additional benefits:
    • Assistance,
    • Personal liability and Legal assistance,
    • Death and total loss and irreversible loss of autonomy,
    • Income protection

Overseas health insurance Bild 14 Overseas health insurance Bild 16 Overseas health insurance Bild 13 Overseas health insurance Bild 6
Ambassade offers fully flexible benefits according to your personal needs:

3 options with different levels of reimbursements:

  • Essentielle (maximum amount of medical expenses per year €750,000 basic cover)
  • Medium (maximum amount of medical expenses per year €1,500,000 intermediate cover )
  • Extenso (maximum amount of medical expenses per year €2,000,000 generous cover )

3 levels of cover:

  • Hospitalisation only
  • Hospitalisation + Routine healthcare
  • Hospitalisation + Routine healthcare + Optical-Dental

3 percentages of reimbursement:

  • 100% of actual costs
  • 90% of actual costs
  • 80% of actual costs
Key benefits:
JaDirect payment of hospital charges worldwide
JaPrivate room covered up to €200/day
JaGenerous reimbursement of consultations with GPs and specialists, including alternative medicine
JaDiagnostic screening covered at 100% of actual costs
JaDental treatment, dentures and implants covered up to €2,500/year
JaSpectacles (lenses and frames) reimbursed up to €650/year

Exclusive healthcare networks for clients in the United States and Mexico:
  • Access to one of the leading healthcare networks in the United States: almost 490,000 doctors and more than 5,000 hospitals.
  • No cash advance required: we’ll settle your bill directly! This service is available for:
    • consultations with GPs and specialists
    • tests
    • X-rays
    • medical examinations and treatment
  • Third party pharmacy card: no cash advance required in more than 57,000 pharmacies in the USA
  • Access to APRIL’s network comprising nearly 850 partner healthcare practitioners and more than 37 hospitals in Mexico, where no cash advance is required

Important additional insurance options:


  • Medical repatriation or medical transportation to the most appropriate hospital or the country of nationality (or country of origin, if different)
  • Search and rescue expenses
  • Visit cost of a family member if the insured is hospitalised for more than 6 days
  • Returning the body or ashes to residence
  • Advance of funds abroad/ Provision of new travel document abroad
  • Legal expenses incurred while abroad
  • Early return if a family member dies in the country of nationality or due to hospitalisation for 5 days or more of a family member in the country of nationality

Personal liability (Private capacity) and Legal assistance:

  • You are covered if you, or any person you are responsible for, are held legally responsible for damage to a third party while travelling to your host country and during your stay abroad in a non-business capacity
  • Legal, administrative and practical information service by phone or email
  • Legal assistance in the event of a dispute (legal defence and appeal)
  • Personal liability (private capacity) and legal assistance cover must be taken out in combination with other cover under the policy

Death and total and irreversible loss of autonomy:

  • In the event of an illness leading to death, we will pay a lump sum to the beneficiary or beneficiaries designated at the time of application.
  • Maximum death benefit: €400,000
  • The amount of the sum is doubled if death is caused by an accident
  • In addition, the amount is fully paid in the case of total and irreversible loss of autonomy

Income protection

  • APRIL will pay a daily benefit or a disability amount if you cannot work due to illness or accident
  • You can choose the level of daily benefit (between €20 and €200)
  • Daily indemnities may be paid starting from the 31st day or the 61st day based on the option selected and for a maximum period of 3 years
  • The daily benefit is converted to an annual pension after a maximum of 3 years' payment of the daily benefit. The annual pension is paid once your condition has stabilised and until you reach retirement age, 65 at the latest
  • In case of financial difficulties caused by a leave of absence from work with the right to daily benefit, you receive free social protection cover
  • You can take out this cover only if you are already covered for death benefit under the policy
Overseas health insurance Bild 15 Overseas health insurance Bild 11 Overseas health insurance Bild 12 Overseas health insurance Bild 17
 Direct order

Care Concept AG
Your partner for health insurance abroad