The World Health Organization has classified the spread of COVID-19 as a pandemic. Many of our customers are now asking if their expat health insurance policy covers testing, treatment, and/or hospitalization should they become infected with the virus.
The short answer is yes: our policy does provide coverage.
But there are some things to take into consideration.
- If you signed up for an expat health insurance policy within 31 days of entering Germany, then any treatment and/or hospitalizations related to a COVID-19 diagnosis will be covered.
- If you signed up for an expat health policy after being in Germany for 31 days or more, then all claims require a 31-day waiting time from the policy start date.
- If you signed up for an expat health insurance policy after receiving a COVID-19 diagnosis or treatment for COVID-19, you will not be covered.
*An important note regarding testing:
Testing is only covered if prescribed by a doctor.