Health Insurance for Expats in Germany

Work abroad and we cover you

Working as an international expat and living in a foreign country for a certain amount of time is an interesting and exciting experience. However, moving to another country is a big step and needs a lot of organisation – even if it’s for a limited amount of time. One of the first things you should consider is covering your healthcare. We have created two plans in our expat medical insurance Foreign Guests so you don’t need to worry about your healthcare abroad. This way, you can concentrate fully on new tasks, people and experiences and enjoy your time as an international expat. In case of an emergency we make sure you are medically covered. We also offer a tariff that includes dental prostheses or different treatments during pregnancy. With our two insurance plans especially made for expats, Advigon is by your side.

Do I need health insurance as an expat in Germany?

If you are from a country outside the Schengen area or some third countries, you need health insurance to enter and work in Germany if you stay longer than 90 days. In addition, many health insurance policies do not provide coverage for longer stays abroad. Therefore we strongly recommend taking out medical insurance in Germany.

What happens to my social and statutory or private health insurance in my home country while I am living in Germany?

For most people, we recommend cancelling your health insurance in your home country for the time you are in Germany. Usually these insurances do not cover benefits in other countries anyway. To be on the safe side, call your current insurance company in your home country and ask the following questions:

If I get sick abroad, will the insurance policy cover the medical treatments and services?

Will my insurance also provide coverage for treatment of chronic illnesses and the corresponding medication abroad?

Do I need to pay in advance for medical services abroad and if so, will I be reimbursed later by the health insurance company in my home country?

Health insurance for expats – Overview of the benefits

If you are planning a visit to Germany, our health insurance offers up to five years of premium insurance cover – starting at 2.40 € per day. You can choose from two different packages.

	Foreign guests Basic	Foreign guests Profi
Out-patient treatment
Costs for out-patient treatment According to the Schedule of Fees for Docots (GOÄ). Treatments otside Germany are reimbursed at the normal local rates.
Prescribed medications and surgical dressings
Costs for radiation therapy, light therapy, and other physical treatments
Prescribed therapeutic aids following an accident	500 € / year
Prescribed massages, medicinal compresses and inhalations	300 € / year
Prescribed aids (not accident-related)	not insured	500 € / year
Visual aids Glasses and contact lenses	not insured	200 € / year
Screening check-ups for early detection of cancers	not insured	300 € / year
Screening check-ups for children in accordance with the statutory programmes introduced in Germany according to programmes introduces by law in Germany	not insured
In-patient treatment
Costs for in-patient medical treatment under general care insurance Under general care insurance = multiple-bed room without optional services (treatment by private doctor)
Operations
Ambulance transport to in-patient treatment
Dental treatment, denture
Dental treatment for pain relief According to Schedule of Fees for Dentists up to factor 2,3	500 € / year	1.000 € / year
Dental check-ups	not insured	200 € / year
Up to 80 % of the cost for medically required dentures	not insured	1.250 € / year
More benefits
Pregnancy treatment due to complaints Medically necessary pregnancy treatment, childbirth up to the end of the 36th week of pregnancy (premature birth), treatment relating to a miscarriage or a medically necessary abortion
Pregnancy examinations and deliveries After a six-month waiting period. The waiting period is calculated from the start of insurance and, if the contract is extended, from the start of the extension.	not insured
Repatriation, if medically desirable
Repatriation of mortal remains to the home country or funeral in the Federal Republic of Germany	10.000 €	10.000 €
Follow-up liability until restoration of ability to travel for up to	3 months	3 months
Deductible
Deductible per insured event	25 €	25 €
Daily Premiums
0 - 64 years	2,40 €	3,40 €
65 - 74 years	8,60 €	12,70 €
	Take out insurance

Examples of benefits from our expat travel health insurance Foreign Guests

Examples of benefits - Kasia and Mateusz

Kasia (27) and her boyfriend Mateusz (28), both from Poland, want to work as research assistants in Germany for three years. One year after their move to Germany, Kasia becomes pregnant. Thanks to her Foreign Guests Profi tariff, not only treatments for complaints during pregnancy but also pregnancy examinations and deliveries are covered. The new small family is happy and Kasia can give birth to her child in Germany with peace of mind. For the couple it’s also great to know that they can always contact Advigon in case of any questions regarding health care.

FAQs – Health insurance for expats

Who is the Foreign Guests insurance from Advigon suitable for?

The Foreign Guests insurance is suitable for people who plan to live in Germany for a limited amount of time (up to five years) and keep their residence in their home country. We insure people up to 74 years of age.

What is the best health insurance for expats in Germany?

With Advigon Foreign Guests you are flexible: Our expatriate travel insurance is available in two different plans: Basic and Profi. You can choose according to your needs and budget. In any case, the following is covered by Advigon’s Foreign Guests insurance:

outpatient care
prescription of medicines
and surgical dressings

Medical treatments and services such as

massages,
radiotherapy,
ambulance transport,
therapeutic aids following an accident

and much more are also included.

In addition to this basic cover, the Foreign Guests Profi plan includes extras such as

visual aids,
precautionary medical examinations for the early detection of cancer or dentures

Does Advigon also offer insurance for students and freelancers?

Yes, Advigon offers Young Travel health insurance for students and expat insurance for people who are coming to Germany that are self employed or freelancers.

How much does expatriate health insurance cost?

With Advigon’s Foreign Guests insurance you don’t have to spend much money to be safe. The daily premium starts at € 2.40 for a Foreign Guests Basic tariff for a person aged up to 64 years and older. The Foreign Guests Profi tariff starts at € 3.40 per day. From the age of 65, the daily premium for Advigon’s Foreign Guests insurance is € 8.60 per day in the Basic tariff and € 12.70 in the Profi tariff.

Downloads

All other details about the Foreign guests travel health insurance can be seen in our price overview, the information sheet for insurance products, and the insurance terms and conditions for the Health Insurance for foreign guests.