In general, the policy covers new medical conditions where symptoms first begin after your policy start date and after the general waiting period has ended.
Pre-existing conditions are not covered. This includes any condition where symptoms were known, treated, or diagnosed before the policy started or during the initial 31-day waiting period.
Preventative care is generally excluded on the basic plan. However the premium plan includes limited preventative benefits, such as certain screenings.
Always refer to your policy documents for full details, limits, and exclusions.
What medical treatments are covered under the basic and premium expat health insurance plans?
We cover medical conditions that begin after the policy start date, subject to applicable waiting periods.
Both basic and premium plans include:
Outpatient appointments with registered medical doctors, including both general practitioners (Hausarzt) and all medical specialists (eg cardiologist, endocrinologist)
Inpatient and outpatient hospital treatments
Prescribed Medications (only prescriptions prescribed by doctors that are registered in the EU/Schengen area)
Surgeries and surgical dressings
Ambulance transport (only if it leads to inpatient admission, not outpatient treatment)
Medically necessary repatriation and repatriation of mortal remains
Radiation and light therapies
Telemedical consultations (one free without copay on the basic plan; two free without copay on the premium plan).
What is the dental coverage under the basic and premium expat health insurance plans?
Basic plan:
€500 per year for pain-relieving dental treatment (for example fillings or denture repairs)
Premium plan:
€1,000 per year for pain-relieving dental treatment
After 6 months:
€200 per year for dental check-ups
€100 per year for dental cleanings
Dentures covered up to €1,250 per year at 80% reimbursement
All dental treatment must relate to a new condition that begins after the policy start date.
What is the physical therapy (physiotherapy) coverage under the basic and premium expat health insurance plans?
For all physical therapy, it must:
Have a referral from a medical doctor
Treatment must relate to a new medical condition
Must be administered by an accredited physiotherapist, Chiropractors and Osteopaths are considered alternative/holistic providers and are not covered under this policy.
Basic plan:
€300 per year
Premium plan:
Covered without an annual limit
What is the pregnancy and maternity coverage under the basic and premium expat health insurance plans?
Basic plan:
Covers treatment for unexpected pregnancy-related complications
Medically necessary abortion
Premature birth up to 36th week
Does not cover routine pregnancy check-ups or delivery
Premium plan:
After a 6-month waiting period:
Pregnancy check-ups and delivery are covered
The pregnancy must begin after the policy start date
Eg if you got pregnant 3 month after your policy started, you have to wait 3 more months to meet the 6 month waiting period and you can claim for checks and delivery that occur after the waiting period.
Post natal care is not covered under either plan, nor is additional midwife services.
Additional note:
For children under 18 years on the premium policy, Mandatory child check-ups (U1–U9) are covered (excluding vaccinations)
What is the aids and medical equipment coverage under the basic and premium expat health insurance plans?
Basic plan:
Covers therapeutic aids only if they are required following an accident (up to €500 per year)
No general coverage for aids or equipment
Premium plan:
Covers medically necessary aids and equipment (up to €500 per year, with prior approval)
Covers repairs to existing aids (up to €250 per year)
Covers visual aids such as glasses or contact lenses (up to €200)
All aids must be medically necessary and approved where required
What preventive screenings and care (including vaccinations) are covered under the basic and premium expat plans?
Basic plan:
3 rapid antigen tests for Covid
Premium plan:
After six months on the premium plan, we cover:
Preventive dental care (200 euros per year for check-ups and 100 euros per year for cleanings)
Up to €300 per year for cancer screenings that are in accordance with the recommended guidelines for cancer screenings in Germany
One fully covered annual skin cancer check
Pregnancy examinations and deliveries are covered only if the pregnancy begins after coverage starts
Mandatory child check-ups U1–U9 excluding vaccinations.
Travel vaccinations up to €250
COVID vaccinations up to €100
5 rapid antigen tests for Covid
€5 per month allowance for fitness and health applications.
What travel cover is included?
Your expat policy covers you for medical treatment (as described in this article) throughout the European Union and the Schengen Area (which means the United Kingdom is excluded), as well as Andorra, Monaco, San Marino, and the Vatican City. Coverage applies for trips of up to 90 days, with no limit on the number of trips per year.
After 12 months on the expat policy, you also receive the same level of coverage for up to 6 weeks of travel to your home country per year, defined as the country of your last residence as declared at sign-up.
What treatments and services are not covered by expat health insurance?
We exclude the following services and treatments:
Any medical condition that existed or was known before the policy start date (pre-existing conditions).
Preventive and prophylactic treatments that are not explicitly listed as covered such as those described for the premium plan.
Psychoanalytical and psychotherapeutic treatments.
General vaccinations are not covered, only travel vaccinations under the premium policy are.
Treatment for addictive disorders.
Ambulance transport unless it results in inpatient hospital admission.
Allied health services other than medically prescribed physiotherapy.
Self harm or self-inflicted injuries.
Medical certificates that are not medically necessary (eg sick notes or medical clearance for sports)
Fertility and sterility treatments.
Holistic or alternative therapies.
What type of health insurance should you consider after your expat health insurance ends?
Expat health insurance is designed as short-term coverage and does not provide the comprehensive benefits of statutory public insurance or full private health insurance.
We recommend transitioning to public or private coverage once your are eligible; our eligibility recommendation tool can help identify suitable next steps. You can contact our support team for more assistance or additional resources.