Unlike private or public health insurance in Germany, expat health insurance is generally only used as a temporary solution before switching to a more comprehensive plan. For this reason, expat policies tends to be significantly cheaper than other health insurance plans and also only fulfill the requirements for certain first-time visas. Because of the lower price and the temporariness of the plan, the deductibles and coverage are also respectively different.

Deductibles

Expat health insurance excludes any and all conditions that were known about 6 months prior to getting insurance. For these medical conditions, you’ll have a deductible of €5,000 per insurance year before your expat health insurance will begin covering you. Benefits are also limited to €30,000 for these medical conditions for the entire duration of the contract.

If a treatment exceeds what expat health insurance deems a reasonable intensity factor (Steigerungsfaktor), it means that coverage will be reduced accordingly.

Waiting periods

There is a 31-day general waiting period unless your policy started within 31 days of entering Germany, or if you had previous insurance with equal or greater coverage without a gap.

Basic insurance coverage table

Basic expat health insurance policy

Out-patient medical treatments

100%

Dental treatment for pain relief

€500 per insurance year

Medications and surgical dressings

100%

Radiation therapy, light therapy, and other physical treatments

100%

Massages, compresses and inhalations

€300 per insurance year

Therapeutic aids following an accident

€500 per insurance year

Medical aids

Not insured

Repairs for existing medical aids

Not insured

Visual aids

Not insured

Operations

100%

In-patient medical treatment under general care insurance (multiple-bed room) without optional services (treatment by private doctor)

100%

Screening check-ups for early detection of cancers

Not insured

Screening check-ups in accordance with the statutory programs introduced in Germany

Not insured

Up to 80% of the eligible cost for medically required dentures

Not insured

Dental check-ups

Not insured

Pregnancy treatment due to complaints

100%

Pregnancy examinations and deliveries

Not insured

Ambulance transport to in-patient treatment

100%

Repatriation, if medically necessary

100%

Repatriation of mortal remains to the home country or funeral in the Federal Republic of Germany

€10,000

Please also note that before claiming any of the following coverage, a €25 co-pay is required per insured event. You can find a detailed explanation here.

Premium expat health insurance policy

Outpatient medical treatment

100%

Dental treatment for pain relief

€1,000

Preventative dental treatment (after 6 months on the policy)

€100 per insurance year

Medications and surgical dressings

100%

Radiation therapy, light therapy, and other physical treatments

100%

Massages, compresses and inhalations

100%

Therapeutic aids following an accident

100%

Medical aids (with prior approval)

€500

Repairs for existing medical aids

€250

Visual aids

€200

Operations

100%

In-patient medical treatment under general care insurance (multiple-bed room) without optional services (treatment by private doctor)

100%

Screening check-ups for early detection of cancers

€300

One skin cancer check-up

100% per insurance year

Screening check-ups in accordance with the statutory programs introduced in Germany

100%

Up to 80% of the eligible cost for medically required dentures (after 6 months on the policy)

€1,250 per insurance year

Dental check-ups (after 6 months on the policy)

€200 per insurance year

Pregnancy treatment due to complaints

100%

Pregnancy examinations and deliveries (after 6 months on the policy)

100%

Ambulance transport to in-patient treatment

100%

Repatriation, if medically necessary

100%

Repatriation of mortal remains to the home country or funeral in the Federal Republic of Germany

€10,000

Two tele-medical consultation sessions per insurance year

100%

Travel vaccinations

€250 per insurance year

Fitness applications

€5 per month

Please also note that before claiming any of the following coverage, a €25 co-pay is required per insured event with the exception of:

  • Preventative dental treatment

  • One skin cancer check-up

  • Two tele-medical consultation sessions per insurance year

  • Fitness applications

You can find a detailed explanation here.

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