Health insurance for expatriates and emigrants
Care Expatriate

Who can insure themselves?

Care Expatriate is the right health insurance if you are coming to Germany from abroad for up to five years and are not obligated to pay into social security. You can also insure yourself if you spend up to five years abroad from Germany or Austria. The insurance is particularly suitable for:

  • Self-employed individuals and freelancers
  • Professionals on business assignments
  • Expatriates
  • Emigrants

You can take out Care Expatriate health insurance for expatriates and emigrants for a duration of between three months and five years. The maximum possible age of entry is 74. Germans or Austrians living abroad can also apply for an extension as often as they like up to their 74th birthday.

Care Expatriate
at a glance

  • For stays in Germany or abroad worldwide of up to 5 years
  • The daily sickness allowance benefit can be added
  • Top health insurance with a comprehensive benefit package
starting at € 58.00 / Month

Care Expatriate Advantages & Highlights

Advantages & Highlights

Treatment at the doctor, dentist and hospital
Recognized by the authorities
Top benefits such as psychotherapy and dental check-ups
Deductible optional (starting at the Comfort rate)
Daily sickness allowance benefit can be added for loss of earnings
For Germans/Austrians abroad: option to extend coverage beyond 5 years

Care Expatriate Basic/-Comfort/-Premium
Your benefits at a glance*


Care Expatriate
Basic
starting at 58.00 € / Month
Our bestseller
Care Expatriate
Comfort

starting at 63 € / Month

Care Expatriate
Premium
starting at 109 € / Month

Inpatient treatment
Inpatient treatment, shared room, without optional benefits
Yes Yes Yes
Ambulance services
Yes Yes Yes
Daily hospital allowance
No € 20.00, up to 20 days € 30.00, up to 30 days
Daily hospital allowance, rate of all in EUR 100.00 for each full inpatient exceeding 14 days
Yes No No
Travel expenses for visiting a family member for inpatient stays of more than 14 days
No € 500.00 € 1,000.00

Outpatient treatment
Outpatient treatment
Yes Yes Yes
Screenings/preventive examinations aimed at early detection of disease
No € 250.00 € 500.00
Prescription medications and dressings
Yes Yes Yes
Psychotherapy i
€ 500.00 € 1,000.00 € 1,500.00
Visual aids
No € 100.00 € 300.00
Remedies
€ 250.00 € 500.00 € 1,500.00
Medically prescribed aids
accident related
up to EUR 500.00
€ 500.00 € 2,500.00
Outpatient rehabilitation measures, up to 21 days
Yes Yes Yes

Dental treatment
Dental treatment, yearly check-up and dental cleaning
€ 600.00 Yes Yes
Dentures i
No 60% 80%
Accident-related dentures
80 % up to € 1,000.00 80 %
up to € 2,000.00
100 %
up to € 3,000.00

Pregnancy
Pregnancy examinations and treatment, Delivery, Waiting period: 8 months
Yes Yes Yes

Return transportation
Medically advised return transportation
Yes Yes Yes
Extended liability
1 Month 3 Months Yes
Repatriation/burial costs in event of death of the insured person
up to € 25,000.00 up to € 25,000.00 up to € 25,000.00

Further benefits
Insurance coverage in your home country, per policy year
up to 30 days up to 45 days up to 90 days
Deductible can be deselected
No Yes Yes
24/7-Emergency number for medical emergencies
Yes Yes Yes
Digital insurance card
Yes Yes Yes
Book now

*For a complete list of benefits please see the insurance terms and conditions.
iAt the Basic and Comfort rates max. €100 per session, at the Premium rate max. €150.
iPlease refer to the insurance terms and conditions for the maximum limits per policy year.

Care Expatriate Basic/-Comfort/-Premium
Your benefits at a glance*

Our bestseller
Care Expatriate
insured benefits*
Basic
starting at 58.00 / Month
Comfort
starting at 63 € / Month
Premium
starting at 109 € / Month

Inpatient treatment
Inpatient treatment, shared room, without optional benefits Yes Yes Yes
Ambulance services Yes Yes Yes
Daily hospital allowance No € 20.00 (up to 20 days) € 30.00 (up to 30 days)
Daily hospital allowance, rate of all in EUR 100.00 for each full inpatient exceeding 14 days Yes No No
Travel expenses for visiting a family member for inpatient stays of more than 14 days No € 500.00 € 1,000.00

Outpatient treatment
Outpatient treatment Yes Yes Yes
Screenings/preventive examinations aimed at early detection of disease No € 250.00 € 500.00
Prescription medications and dressings Yes Yes Yes
Psychotherapy i € 500.00 € 1,000.00 € 1,500.00
Visual aids No € 100.00 € 300.00
Remedies € 250.00 € 500.00 € 1,500.00
Medically prescribed aids accident related up to EUR 500.00 € 500.00 € 2,500.00
Outpatient rehabilitation measures, up to 21 days Yes Yes Yes

Dental treatment
Dental treatment, yearly check-up and dental cleaning € 600.00 Yes Yes
Dentures i No 60% 80%
Accident-related dentures 80 % up to € 1,000.00 80 % up to € 2,000.00 100 % up to € 3,000.00

Pregnancy
Pregnancy examinations and treatment, Delivery, Waiting period: 8 months Yes Yes Yes

Return transportation
Medically advised return transportation Yes Yes Yes
Extended liability 1 Month 3 Months Yes
Transfer/funeral costs in event of death of the insured person up to € 25,000.00 up to € 25,000.00 up to € 25,000.00

Further benefits
Insurance coverage in your home country, per policy year up to 30 days up to 45 days up to 90 days
Deductible can be deselected No Yes Yes
24/7-Emergency number for medical emergencies Yes Yes Yes
Digital insurance card Yes Yes Yes
Book now

*For a complete list of benefits please see the insurance terms and conditions.
iAt the Basic and Comfort rates max. €100 per session, at the Premium rate max. €150.
iPlease refer to the insurance terms and conditions for the maximum limits per policy year.

Premium overview
Care Expatriate
worldwide excluding US, CA, MX


Basic
Bestseller
Comfort

Premium
SB*
150.00
SB*
150.00
SB*
500.00
SB*
0.00
SB*
500.00
SB*
1000.00

Entry age: 0-12 Years
64.00 104.00 81.00 191.00 149.00 117.00

Entry age: 13-40 Years
58.00 84.00 63.00 181.00 141.00 109.00

Entry age: 41-60 Years
68.00 103.00 77.00 256.00 201.00 156.00

Entry age: 61 - 74 Years
246.00 322.00 248.00 432.00 336.00 263.00
Book now

*Deductible
per year (in €)

Premium overview
Care Expatriate
worldwide including US, CA, MX


Basic
Bestseller
Comfort

Premium
SB*
150.00
SB*
150.00
SB*
500.00
SB*
0.00
SB*
500.00
SB*
1000.00

Entry age: 0-12 Years
175.00 280.00 220.00 495.00 385.00 300.00

Entry age: 13-40 Years
145.00 225.00 170.00 465.00 363.00 285.00

Entry age: 41-60 Years
195.00 265.00 210.00 660.00 515.00 405.00

Entry age: 61 - 74 Years
710.00 920.00 725.00 1175.00 965.00 750.00
Book now

*Deductible
per year (in €)

Premium overview
Care Expatriate
worldwide excluding US, CA, MX

Our bestseller
Care Expatriate
Basic
Comfort
Premium
Deductible
per year (in €)
150.00
150.00
500.00
0.00
500.00
1000.00
Entry age:
0-12 (€ / Month)
64.00 104.00 81.00 191.00 149.00 117.00
Entry age:
13-40 (€ / Month)
58.00 84.00 63.00 181.00 141.00 109.00
Entry age:
41-60 (€ / Month)
68.00 103.00 77.00 256.00 201.00 156.00
Entry age:
61-74 (€ / Month)
246.00 322.00 248.00 432.00 336.00 263.00
Book now

Premium overview
Care Expatriate
worldwide including US, CA, MX

Our bestseller
Care Expatriate
Basic
Comfort
Premium
Deductible
per year (in €)
150.00
150.00
500.00
0.00
500.00
1000.00
Entry age:
0-12 (€ / Month)
175.00 280.00 220.00 495.00 385.00 300.00
Entry age:
13-40 (€ / Month)
145.00 225.00 170.00 465.00 363.00 285.00
Entry age:
41-60 (€ / Month)
195.00 265.00 210.00 660.00 515.00 405.00
Entry age:
61-74 (€ / Month)
710.00 920.00 725.00 1175.00 965.00 750.00
Book now

Choose between 3 rates

Care Expatriate Comfort - Our bestseller
Care Expatriate Comfort -
Our bestseller
Our bestseller with top benefits such as preventive check-ups, the daily hospital sickness allowance benefit and comprehensive coverage at the dentist is as individual as you are: you can choose between a deductible of €150 or €500 and thus pay a slightly higher or lower premium.
Book now
Care Expatriate Premium - Our best coverage
Care Expatriate Premium -
Our best coverage
Our premium package offers you top benefits that are almost equivalent to those of a fully-fledged private health insurance policy. With our top coverage, you can opt out of your deductible completely so that you are fully covered for your time abroad.
Book now
Care Expatriate Basic - Our best price
Care Expatriate Basic -
Our best price
Our best price rate gives you reliable coverage for your stay: In addition to medical, dental and hospital treatment, up to 30 days in your home country are of course also covered – starting at just €58 per month.
Book now

Frequently asked questions (FAQs)

Do you have further questions about expat health insurance? We have compiled and answered frequently asked questions for you in our FAQ section.

FAQs Care Expatriate health insurance abroad for expatriates
Care Expatriate FAQs

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More information
Interesting facts
Information on the benefits of health insurance Care Expatriate
Take out your insurance now
Here you can take out your Care Expatriate health insurance coverage and receive immediate confirmation
Terms and conditions of insurance
General terms and conditions of insurance for expatriates
Questions & Service
Frequently asked questions, reporting a claim and customer portal



Please note that the English translation is offered as a service for convenience only. The legally binding version is the German version.

We take care of you!

Telephone+49 228 97735-44
Notice of claim