Insurable persons

Care Expatriate health insurance coverage is tailored to the needs of travelers who intend to stay for more than 3 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).

Scope of insurance coverage

The insurance covers medical treatment throughout the world. The following persons are insurable:

  • Persons in any country worldwide with permanent residency in Germany, Austria, EU countries, member states of the Schengen agreement, Switzerland and Liechtenstein.
  • persons with permanent residency 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 residency in Germany, Austria, EU countries, member states of the Schengen agreement, Switzerland and Liechtenstein, who are staying in the above-mentioned countries.

Countries of which the insured person is a citizen and/or which were the place of residency of the person prior to the commencement of his/her travels are excluded from coverage.

Insurer

Advigon Versicherung AG

Drescheweg 1
9490 Vaduz
Liechtenstein

Duration of coverage

The minimum duration of coverage is 3 months. The maximum period of coverage for stays in Germany is 5 years, including all policy extensions.
Outside of Germany, persons can apply any number of times for an extension 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-time acceptance guarantee for a follow-up policy for a maximum period of a further 5 years (Care Expatriate Comfort / Care Expatriate Premium).

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 the USA, Canada, Mexico


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 the USA, Canada, Mexico


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 the USA, Canada, Mexico

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 the USA, Canada, Mexico

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
Take out your insurance coverage

Purchase your coverage online: Online application.

Download In Brief

Download Auslandskrankenversicherung Care Expatriate  Download in Brief Care Expatriate (PDF)

Legal note: The information contained in this publication does not constitute the basis of any contract, but rather serves solely as to provide a product overview/description. Only the General Terms and Conditions of Insurance and the policy terms and conditions, upon which your contract is based, are legally binding.

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


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, filing 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 85+49 228 97735-85
Reporting a claim - customer portal