For our customers that require coverage beyond the 5 year limit of our regular expat health policy, or for those who are not ready or not eligible yet for public or full private health insurance, we have the option of our long term expat health policy.
What is the policy?
This policy is somewhere between our most affordable and basic policy (expat health), and full private health insurance. It offers the benefits of long term health insurance with two different plans to work within your coverage or budget needs.
Who is eligible and recommended for this policy?
Those who have been in Germany over 5 years and are not eligible for public or private health
Persons applying for a visa/permit renewal who aren’t eligible for public or private health
Freelancers who earn under the private threshold and aren’t eligible for KSK
Freelancers who earn above the private threshold but have pre-existing conditions and wouldn’t be eligible for private, and aren’t eligible for KSK
Those who want more coverage than what expat health can offer, but don’t want to or can’t get onto public/private health
Dependents of a person who is on full private health who are not eligible to join private because of pre-existing conditions
Coverage
In general, all of the plans will cover medical care for new conditions, accidents and injuries that first commence after your coverage commences. There are also options to choose a plan with additional medical and non-medical extras to best suit you.
Please note: The coverage listed does not apply to pre-existing issues unless it is specifically stated in the policy terms.
You can find a more detailed overview of the coverage for our two long term plans in our coverage FAQ.
Monthly premium
The monthly price for the insurance will dependent on the policy, your age, and any voluntary deductible (or 'excess') that you might choose to add to your policy. If you choose a voluntary deductible, then the monthly price would be lowered. So we can customise your plan to best suit your needs. Below are some examples of how the monthly price can be adjusted based on voluntary deductibles chosen.
Quote for persons 26-29 years of age with worldwide cover (except for USA and Caribbean):
€189.92 per month with no voluntary deductible
€180.42 per month with a €150 deductible
€170.92 per month with a €375 deductible
€161.43 per month with a €750 excess
Cancellation policy
We offer a month to month cancellation of our long term expat health insurance policy.
Right of withdrawal policy
You have 14 days from the start date of the insurance to cancel and obtain a full refund of any premiums paid.
Switching to public or full private health
You can most certainly switch to public or private health from your long term expat health policy. In fact, you can even make the switch through us! Please reach out to our team when you are ready to switch over and we can assist you through the process.
Visa eligibility
This insurance fulfils the majority of requirements pertaining to residence permits or visa/permit renewals. However, this insurance does not include long term nursing care, so this is something you may need to obtain separately.
If you require the insurance for an upcoming visa or permit renewal, please let us know and we can provide additional documentation for your visa appointment.
Please note: If you are applying for a visa renewal with this policy, we recommend choosing the lowest possible voluntary deductible when completing your application, ideally not above 750 EUR.
Sign up
You can learn more and sign up to our long term expat health insurance with the button below.
If you have any further questions, please don't hesitate to reach out to our team so we can assist you further.