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Care Expatriate - Health insurance abroad for expatriates

In brief

Menu Care Expatriate:

**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 permanent 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 - All benefits at a glance***
Health insurance
Benefits Care Expatriate	Basic	Comfort	Premium
	online application	online application	online application
online application
medically necessary outpatient treatment up to 100 %	Basic:	Comfort:	Premium:
prescription medications	Basic:	Comfort:	Premium:
additional costs for medically advisable repatriation	Basic:	Comfort:	Premium:
dental treatments including annual check-ups	Basic: up to EUR 600.00	Comfort:	Premium:
accident-related dental prosthesis	Basic: 80 % up to EUR 1000.00	Comfort: 80 % up to EUR 2000.00	Premium: 100 % up to EUR 3000.00
medication	Basic: up to EUR 250.00	Comfort: up to EUR 500.00	Premium: up to EUR 1,500.00
psychotherapy	Basic: up to EUR 500.00(up to EUR 100.00 per session)	Comfort: up to EUR 1,000.00(up to EUR 100.00 per session)	Premium: up to EUR 1,500.00(up to EUR 150.00 per session)
home leave (Duration >= 1 Year)	Basic: up to 30 days / insurance year	Comfort: up to 45 days / insurance year	Premium: up to 90 days / insurance year
run-off cover (up to reinstatement of travel fitness)	Basic: 1 Month	Comfort: 3 Months	Premium: unlimited
medically prescribed aids	Basic: accident related up to EUR 500.00	Comfort: up to EUR 500.00/hearing and speech aids, wheelchairs up to EUR 1000.00	Premium: 100% up to EUR 2,500.00
inpatient public health care in hospitals(general nursing class)	Basic:	Comfort:	Premium: single room/shared two-person room outside of Germany
repatriation/burial costs in event of death of the insured person	Basic: up to EUR 25,000.00	Comfort: up to EUR 25,000.00	Premium: up to EUR 25,000.00
dental prostheses including the cost of repairs	Basic: -	Comfort: 60%	Premium: 80%
screenings/preventive examinations aimed at early detection of disease	Basic: -	Comfort: up to EUR 250.00	Premium: up to EUR 500.00
visual aids	Basic: -	Comfort: up to EUR 100.00	Premium: up to EUR 300.00
hospital per diem rate of all in EUR 100.00 for each full inpatient exceeding 14 days	Basic:	Comfort: -	Premium: -
daily hospital allowance	Basic: -	Comfort: EUR 20.00 (up to 20 days)	Premium: EUR 30.00 (up to 30 days)
right to continued insurance	Basic: -	Comfort:	Premium:
guarantee of acceptance for follow-up policy	Basic: -	Comfort:	Premium:
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: 500,– EUR	Premium: 1000,– EUR

*Overview of benefits (excerpt). For a complete list of benefits please see the insurance terms and conditions..

**Premium overview | Care Expatriate | worldwide excluding US, CA, MX**
Insurance plan	Basic	Comfort		Premium
Deductible per year (in EUR)	150	150	500	0	500	1000
Entry age : 0-12 (EUR / Month)	Basic (Deductible per year (in EUR): 150) : 64	Comfort (Deductible per year (in EUR): 150) : 104	Comfort (Deductible per year (in EUR): 500) : 81	Premium (Deductible per year (in EUR): 0) : 191	Premium (Deductible per year (in EUR): 500) : 149	Premium (Deductible per year (in EUR): 1000) : 117
Entry age : 13-40 (EUR / Month)	Basic (Deductible per year (in EUR): 150) : 58	Comfort (Deductible per year (in EUR): 150) : 84	Comfort (Deductible per year (in EUR): 500) : 63	Premium (Deductible per year (in EUR): 0) : 181	Premium (Deductible per year (in EUR): 500) : 141	Premium (Deductible per year (in EUR): 1000) : 109
Entry age : 41-60 (EUR / Month)	Basic (Deductible per year (in EUR): 150) : 68	Comfort (Deductible per year (in EUR): 150) : 103	Comfort (Deductible per year (in EUR): 500) : 77	Premium (Deductible per year (in EUR): 0) : 256	Premium (Deductible per year (in EUR): 500) : 201	Premium (Deductible per year (in EUR): 1000) : 156
Entry age : 61-74 (EUR / Month)	Basic (Deductible per year (in EUR): 150) : 246	Comfort (Deductible per year (in EUR): 150) : 322	Comfort (Deductible per year (in EUR): 500) : 248	Premium (Deductible per year (in EUR): 0) : 432	Premium (Deductible per year (in EUR): 500) : 336	Premium (Deductible per year (in EUR): 1000) : 263

**Premium overview | Care Expatriate | worldwide including US, CA, MX**
Insurance plan	Basic	Comfort		Premium
Deductible per year (in EUR)	150	150	500	0	500	1000
Entry age : 0-12 (EUR / Month)	Basic (Deductible per year (in EUR): 150) : 175	Comfort (Deductible per year (in EUR): 150) : 280	Comfort (Deductible per year (in EUR): 500) : 220	Premium (Deductible per year (in EUR): 0) : 495	Premium (Deductible per year (in EUR): 500) : 385	Premium (Deductible per year (in EUR): 1000) : 300
Entry age : 13-40 (EUR / Month)	Basic (Deductible per year (in EUR): 150) : 145	Comfort (Deductible per year (in EUR): 150) : 225	Comfort (Deductible per year (in EUR): 500) : 170	Premium (Deductible per year (in EUR): 0) : 465	Premium (Deductible per year (in EUR): 500) : 363	Premium (Deductible per year (in EUR): 1000) : 285
Entry age: 41-60 (EUR / Month)	Basic (Deductible per year (in EUR): 150) : 195	Comfort (Deductible per year (in EUR): 150) : 265	Comfort (Deductible per year (in EUR): 500) : 210	Premium (Deductible per year (in EUR): 0) : 660	Premium (Deductible per year (in EUR): 500) : 515	Premium (Deductible per year (in EUR): 1000) : 405
Entry age : 61-74 (EUR / Month)	Basic (Deductible per year (in EUR): 150) : 710	Comfort (Deductible per year (in EUR): 150) : 920	Comfort (Deductible per year (in EUR): 500) : 725	Premium (Deductible per year (in EUR): 0) : 1175	Premium (Deductible per year (in EUR): 500) : 965	Premium (Deductible per year (in EUR): 1000) : 750

**Take out your insurance coverage**
Purchase your coverage online: online application.

**Download In Brief**
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.

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