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Long-term international health insurance for expatriates: Ensure optimal coverage!
A long-term international health insurance is essential for expatriates. It protects against high medical costs and provides you with security. Do you need personalised advice to find the optimal insurance for your needs? [article on anodization](/contact) We are happy to assist you!
The topic short and concise
A long-term international health insurance is essential for expatriates. It protects against high medical costs and provides you with security. Do you need personalised advice to find the optimal insurance for your needs? [article on anodization](/contact) We are happy to assist you!
A long-term international health insurance is essential for expatriates. It protects against high medical costs and provides you with security. Do you need personalised advice to find the optimal insurance for your needs? [article on anodization](/contact) We are happy to assist you!
A long-term international health insurance is essential for expatriates. It protects against high medical costs and provides you with security. Do you need personalised advice to find the optimal insurance for your needs? [article on anodization](/contact) We are happy to assist you!
Planning to emigrate? Learn all about the suitable long-term international health insurance to ensure you're optimally protected abroad. Find out more now!
What You Need to Know About Long-Term International Health Insurance
Are you planning to emigrate or stay abroad for an extended period? Then long-term international health insurance for expatriates is essential. Unlike short-term travel insurance, this special insurance covers your medical needs over an extended period. It offers you protection, whether you are working as an expat, travelling the world as a digital nomad, or enjoying your retirement abroad. At GoMovin, we understand the importance of comprehensive health coverage when relocating abroad. That's why we not only offer support for your move but also provide valuable information and services related to insurance, so you can feel secure from the start. More information on our relocation services can be found on our relocation assistance page.
Long-Term vs. Short-Term Travel Insurance
The main difference lies in the validity period and scope of coverage. Short-term travel insurance is usually limited to a few weeks or months and primarily covers emergencies. In contrast, long-term international health insurance is designed for stays of several months to a few years, or even for life. It offers more comprehensive protection, which can also include outpatient treatments, preventative check-ups, and chronic illnesses. For expatriates, digital nomads and expats, such insurance is indispensable as it meets the specific needs of these target groups. Information about insurance options can be found here.
Why Long-Term International Health Insurance is Necessary
Statutory health insurance in Germany often only provides limited or no coverage abroad. The territorial principle states that the benefits of German health insurance are generally confined to Germany. There are exceptions, for example, for temporary stays in EU countries, but for longer stays abroad or emigration, this protection is insufficient. Long-term international health insurance fills this gap, ensuring you receive adequate medical care abroad. Without such insurance, you bear the full financial risk of possible treatments, which can quickly lead to high costs. Further information is available from Reiseversicherung.com.
Who Needs This Insurance?
The long-term international health insurance is aimed at various groups of people who are staying abroad for an extended period. These include:
Expatriates: People who move their residence permanently abroad.
Expats: Professionals who are sent abroad by their company for a limited time.
Digital Nomads: Individuals who work independently of location and frequently change their residence.
Freelancers: Self-employed individuals who complete their assignments abroad.
People who plan a longer-term stay abroad for other reasons (e.g., students, retirees, or globe-trotters) should also consider taking out such insurance. Generally, if you are staying abroad for more than three months, long-term international health insurance is usually more advisable than short-term travel insurance.
Provider comparison: Find the best plan for your needs
What providers are there and what do they offer?
The market for long-term international health insurance is diverse. There are numerous providers offering different rates and services. Among the most well-known providers are BDAE Expat, Care Concept, HanseMerkur, APRIL International, Foyer Global Health, Cigna Global, and the DIA-Weltpolice. Each of these providers has its advantages and disadvantages, so a careful comparison is essential. At GoMovin, we are happy to help you find the right provider for your individual needs. Information on health insurance for expatriates can be found here.
Comparing services and costs
The rates can be broadly divided into basic, comfort, and premium rates. Basic rates generally offer fundamental protection covering the most important medical services. Comfort rates offer a wider range of services, which may also include outpatient treatments and preventative care. Premium rates provide the most comprehensive protection with additional benefits like dental treatments, visual aids, and maternity services. The cost of long-term international health insurance depends on various factors, such as the policyholder’s age, the destination country, and the chosen deductible. Reiseversicherung-Vergleich.info provides a good overview.
Cost factors and premium examples
The age, destination country, and deductible are crucial factors in calculating the premium. Younger policyholders usually pay less than older ones. The destination country is also significant, as medical costs are higher in some countries than others. A higher deductible generally leads to a lower premium. For example, Care Concept offers rates starting at 58 EUR/month for a 28-year-old individual. The country zones, especially the inclusion of the USA, Canada, and Mexico, also significantly affect the premium. It is important to carefully review the different options and select the one that suits your needs. More information on our insurance services can be found here.
Scope of Coverage: What Your Insurance Should Really Cover
What to Consider in Terms of Coverage
The coverage scope of a long-term international health insurance is crucial. Ensure that the insurance covers the most essential medical services you might need abroad. This includes outpatient, inpatient, and dental treatments, medications, remedies, and medical aids. Emergency repatriation should also be covered. At GoMovin, we recommend that you carefully examine the various offers and be mindful of any restrictions or exclusions. Young Travellers provides useful information on this topic.
Scope and Duration
The coverage area could be worldwide or regionally restricted. Some insurances are valid only in certain countries or regions, while others offer worldwide protection. The validity period can be limited (up to 5 years) or lifelong. For expatriates, a lifelong policy is generally advisable to ensure comprehensive protection in later life. It is essential to thoroughly review the terms and ensure that the insurance meets your needs. You can find information about emigrating in old age here.
Special Benefits and Exclusions
Pay attention to special benefits such as coverage for sports and occupational accidents abroad. Treatment for pre-existing conditions and chronic ailments should also be covered, depending on the tariff. Maternity benefits are equally important, especially for women planning a family. It is wise to carefully examine the insurance terms and be aware of any exclusions. Some insurances exclude certain risks or activities, so it is important to be well-informed in advance. ReisePolice.com offers detailed information on this topic.
Terms and Deadlines
The minimum contract term, cancellation periods, and conditions for refunding premiums are important aspects to consider when choosing a long-term international health insurance. Some insurances have a minimum contract term of one year, while others can be terminated monthly. The conditions for refunding premiums in the event of an early cancellation can also vary. Health queries and medical certificates are particularly relevant for older policyholders. Some insurers require a health check or medical certificate before signing to assess individual risk. Expat-Krankenversicherung.de provides further information on this subject.
Maximum flexibility: Adapt your insurance to your life circumstances
How flexible is your insurance really?
A good long-term international health insurance should offer you flexibility and adaptability. After all, your living circumstances abroad can change, and your insurance should be able to adapt accordingly. At GoMovin, we ensure that the insurances we recommend provide you with the option to expand or reduce your coverage if needed. This way, you can ensure that you are always optimally protected without paying unnecessarily high premiums. Information about retiring to Portugal is available here.
Concluding before or after departure
Some insurances offer the possibility of concluding before or after departure. This is particularly interesting for people who have decided to move abroad at short notice or are already abroad. However, ensure that the coverage is seamless to be protected in case of an emergency. Reiseversicherung-buchen.de provides more information on this.
Temporary return to the home country
The temporary return to the home country should also be taken into account in the terms of insurance. Some insurances offer worldwide coverage that includes stays in the home country. Other insurances limit coverage to a certain period or exclude the home country entirely. It is important to examine the terms closely and ensure that you are adequately protected during your home leave. Information about retiring to Switzerland is available here.
Premature cancellation and extension
The premature cancellation upon return or permanent emigration should be possible without problems. Look for short notice periods and the possibility of refund of contributions. Also, the extension and prolongation of the insurance coverage should be straightforward. Some insurances offer options for annual extensions and adjustments of the premium. A one-time continuation guarantee, such as the one offered by Care Expatriate, can also be advantageous. Young-Travellers.com provides more information on this.
Individual Coverage: How to Select the Right Insurance
Which insurance is really right for you?
Choosing the right long-term international health insurance is a personal decision that depends on your individual needs and circumstances. We at GoMovin recommend conducting a needs analysis and asking yourself the following questions: Which benefits are truly important to me? What is my risk tolerance? In which country will I primarily reside, and what is the quality of healthcare there? Only by knowing your needs precisely can you select the right insurance. Information about our insurance services can be found here.
Compare offers and seek expert advice
Use comparison sites to compare different offers and providers. Pay attention not only to the price but also to the services, conditions, and exclusions. Read the fine print carefully and do not hesitate to ask questions. It may also be advisable to consult with an independent advisor who can assist you in choosing the right insurance. Reiseversicherung.com offers a comparison here.
What you should look out for
Pay attention to the following points:
Scope of benefits: Does the insurance cover all essential medical services?
Coverage area: Is the insurance valid worldwide or only in certain countries?
Duration of validity: Is the insurance limited to a specific period or valid for life?
Flexibility: Can the insurance be adapted to your life circumstances?
Costs: What are the premiums, and what deductible will I have to pay?
Social insurance and taxes: What you need to consider when emigrating
Social Security and Taxes: What You Need to Consider When Emigrating
When emigrating, there are also legal and tax aspects to consider. Find out about the impact on your German social security and determine whether you need to deregister in Germany. The tax treatment of insurance contributions can also be relevant. In certain circumstances, you may be able to deduct these contributions as special expenses. At GoMovin, we recommend that you thoroughly inform yourself prior to emigration and, if necessary, seek professional advice. Information about our insurance services can be found here.
Impact on German Social Security
Deregistration in Germany affects your German social security. Determine if you can take out an entitlement to be re-admitted to statutory health insurance upon a later return to Germany. Voluntary insurance in the statutory (GKV) or private (PKV) health insurance upon return is also an option you should consider. Reiseversicherung.com provides further information on this topic.
Tax Treatment and Reporting Obligations
The tax treatment of insurance contributions can be relevant. In certain cases, you can deduct the contributions as special expenses. Consult your tax adviser about the possibilities. Reporting obligations and formalities also need to be observed when emigrating and returning. Get information from the relevant authorities about the necessary steps. Care Concept offers additional information on this subject.
Health protection abroad: Your secure future begins now
Conclusion: Secure yourself now!
A comprehensive long-term international health insurance is essential for expatriates. It protects you from high costs in case of illness and ensures adequate medical care abroad. When choosing insurance, pay attention to your individual needs and compare different offers. We at GoMovin are happy to assist you with planning and executing your expatriation and help you find the right insurance. Contact us today for a non-binding consultation! Information about our insurance services can be found here.
The Importance of Comprehensive Insurance
The importance of comprehensive long-term international health insurance for expatriates cannot be emphasized enough. It is an essential component for a successful and worry-free expatriation. Take the time to review the various offers and choose the insurance that suits you best. This way, you can be sure that you are optimally protected abroad. Young-Travellers.com offers further information on this.
Future Trends and Digitalisation
Digitalisation and telemedicine will play an increasingly important role in the field of international health insurance in the future. Telemedicine consultations and online services will facilitate access to medical care abroad. Adapting to changing travel and lifestyle habits will also be an important trend. Insurances are becoming more flexible and tailored to the needs of customers. Reiseversicherung-buchen.de offers further information on this.
Government grants for relocations provide an excellent opportunity to organise your move abroad stress-free and efficiently. Whether it’s for a new career start or the long-awaited retirement under the sun, available funding programmes and our comprehensive support make your international move attractive and financially feasible.
With our expertise and global network, there are numerous ways to reduce the costs of your move. We offer comprehensive advice and support for planning, organising, and executing your move, fulfilling all necessary formalities, and avoiding possible problems.
By choosing GoMovin, you are investing in a smooth start to your new life abroad. You not only reduce your moving costs but also ensure a stress-free and professional process.
Now is the perfect time to explore the possibilities for your project. Contact us today to start your individual consultation and plan your move quickly and easily. Register for free and receive an immediate non-binding offer for your international move.
Further useful links
Wikipedia provides general information about travel health insurance.
Europäische Kommission provides information about the European Health Insurance Card (EHIC) for EU countries.
FAQ
What is the difference between a short-term and a long-term international health insurance?
Short-term travel insurances are intended for holidays, whereas a long-term international health insurance is designed for stays of several months up to years and offers more comprehensive coverage, including outpatient treatments and chronic conditions.
Why do I need a long-term international health insurance as an expatriate?
The German statutory health insurance often provides only limited coverage abroad. A long-term international health insurance fills this gap and ensures you receive adequate medical care abroad, protecting you from high costs.
Which providers offer long-term international health insurances?
Well-known providers include BDAE Expat, Care Concept, HanseMerkur, APRIL International, Foyer Global Health, Cigna Global and the DIA-Weltpolice. A thorough comparison is important to find the right provider.
What services should a long-term international health insurance cover?
Important services include outpatient, inpatient, and dental treatments, medications, therapies, and aids. Also, repatriation to the home country should be covered in emergencies.
Can I take out a long-term international health insurance after departure?
Some insurances offer the possibility of taking out before or after departure. However, ensure that there is no gap in your coverage.
What happens if I return home prematurely?
The early termination in case of return or permanent emigration should be possible without issues. Look for short notice periods and the option for refunds of premiums.
How does my age influence the cost of the insurance?
Younger policyholders generally pay less than older ones. Age is a decisive factor in calculating the premium.
What should I consider regarding social insurance and taxes?
Find out about the impact on your German social insurance and clarify whether you need to deregister in Germany. The tax treatment of insurance premiums can also be relevant.
