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Expat Health Insurance: Start your new life worry-free!
An international health insurance is essential for expatriates. It protects you from high costs in the event of illness and ensures access to medical care. Discover which services are important, what providers are available, and how to find the right insurance to suit your individual needs. Do you need personal advice? Contact us to discuss your options.
The topic short and concise
An international health insurance is essential for expatriates. It protects you from high costs in the event of illness and ensures access to medical care. Discover which services are important, what providers are available, and how to find the right insurance to suit your individual needs. Do you need personal advice? Contact us to discuss your options.
An international health insurance is essential for expatriates. It protects you from high costs in the event of illness and ensures access to medical care. Discover which services are important, what providers are available, and how to find the right insurance to suit your individual needs. Do you need personal advice? Contact us to discuss your options.
An international health insurance is essential for expatriates. It protects you from high costs in the event of illness and ensures access to medical care. Discover which services are important, what providers are available, and how to find the right insurance to suit your individual needs. Do you need personal advice? Contact us to discuss your options.
Planning your emigration? Find out now about the most important aspects of international health insurance to ensure you have the optimal protection for your health abroad.
Planning a fresh start abroad? Then comprehensive health insurance is essential. An international health insurance for expats is more than just a formality – it's your safety net that protects you from unexpected financial burdens due to illness or accidents. At GoMovin, we understand that moving abroad raises many questions. That’s why we want to help you navigate the jungle of insurance options.
Unlike short-term travel insurance, a special international health insurance caters to the particular needs of expats. It takes into account long-term stays and the associated changes in living circumstances. This is especially important as medical care and costs can vary greatly abroad. A suitable international health insurance provides you with the necessary protection to fully focus on your new life. Our relocation assistance is happy to support you in every step of your move.
This type of insurance is particularly relevant for:
Expats and expatriates: Individuals who live and work abroad long-term.
Digital nomads and freelancers abroad: People who work remotely and require flexible insurance coverage.
Pensioners and retirees abroad: Seniors wishing to spend their retirement abroad and need comprehensive healthcare.
We not only offer support in choosing the right insurance but also in all other aspects of your international move. Learn more about our insurance services.
Provider comparison: Find the best rate for your international health insurance
The selection of providers for international health insurance is extensive. To make your decision easier, we present some established providers and their plans. Among the most well-known providers are:
Care Concept: Offers special plans for long-term stays abroad with Care Expatriate and Care Global (Care Expatriate).
Young Travellers: Provides comprehensive insurance solutions for expatriates through APRIL International (APRIL International).
HanseMerkur: Specialises in long-term travel health insurance for expats and expatriates (HanseMerkur).
Foyer Global Health: Offers flexible and comprehensive international health insurance.
Cigna Global: Known for modular and globally valid health insurance.
PassportCard (Allianz): Enables comprehensive coverage with direct payment option through its partnership with Allianz (PassportCard).
BDAE Expat Infinity: Provides lifetime protection, especially for retirees.
DIA-Weltpolice (Barmenia): Flexible plans for students and other stays abroad.
The plan options vary significantly and offer different ranges of benefits. There are basic plans, such as BASIC with HanseMerkur, which offer fundamental coverage. Premium plans, like PROFI with HanseMerkur, include additional benefits such as dental treatments, vision aids, and maternity services. Also, pay attention to the geographic coverage, as it can vary by plan (e.g., with or without the USA, Canada, Mexico). We help you find the plan that best suits your needs. Also, find out about health insurance for expatriates.
Comprehensive Protection: The Key Criteria for Choosing Your International Health Insurance
When selecting health insurance for expatriates, you should pay attention to the scope of coverage. Essential benefits include:
Outpatient and inpatient treatments: Comprehensive medical care in case of illness.
Medicines: Coverage for prescription medications.
Emergency care: Rapid assistance for acute health issues.
Preventive measures: Health screenings to detect illnesses early.
Dental treatments: Pain relief and, if necessary, dental prostheses.
Repatriation: Coverage for medically necessary transport back to your home country.
Maternity benefits: Services related to pregnancy and childbirth.
Psychotherapy: Support for mental health issues.
Flexibility and contract terms are also important criteria. Pay attention to the duration and cancellation terms, the possibilities for contract extension, and the adjustment of contributions (age-related, economic factors). The area of coverage (worldwide, specific regions) and any waiting periods should also be considered. We are happy to advise you on the various options. More information can also be found on Deutsche im Ausland.
The deductible affects the premium. A higher deductible (e.g. 500 or 1000 EUR) can reduce monthly contributions, while a lower or no deductible (0 or 150 EUR) means higher contributions. Weigh up which option is best for you. Our experts will help you find the right balance.
More than Standard: Additional Benefits and Special Features of Your Travel Health Insurance
Some international health insurances offer special additional benefits that go beyond the standard. An important aspect is the coverage of pre-existing conditions. Whether existing conditions are covered depends on the terms of the specific provider. Often an individual assessment and approval is required. We support you in clarifying these issues.
Telemedicine and a 24/7 emergency hotline are further valuable services. Telemedical consultation allows you to receive medical advice from anywhere in the world. A 24-hour emergency hotline provides you with round-the-clock assistance in emergencies. Many providers also offer multilingual support. PassportCard, for example, offers a 24/7 hotline and an app for quick claims reporting (PassportCard).
Additional insurances can also be beneficial. A liability insurance (e.g. Care Protector) protects you from financial risks if you cause damage abroad. An accident insurance (also Care Protector) provides financial security in case of accidents. HanseMerkur offers a property package, which includes emergency insurance in addition to travel accident and liability insurance. With us, you can find the optimal complement to your international health insurance.
Plan ahead: How to take out your foreign health insurance
Taking out an international health insurance policy should be done in good time before departure. With some providers, it is possible to take out a policy even after departure, but this is not always the case. Applications are generally made online. We assist you in simplifying the application process.
The start date and duration of validity vary depending on the provider and tariff. Some insurances have a minimum contract period (e.g. one year with APRIL International), while others offer a maximum duration of up to 5 years or unlimited. Pay attention to the terms and conditions regarding cancellation. Notice periods and special termination rights can vary depending on the contract. Young Travellers offers long-term international health insurance for stays of up to 5 years (Young Travellers).
It is advisable to look into the various options early on to find the right insurance coverage. We support you in making the right decision and taking all the necessary steps. Also, find out about health insurance when emigrating to Thailand.
Individual Coverage: Tips for the Optimal International Health Insurance
The right choice of health insurance for expatriates depends on your individual needs. Evaluate your health condition, travel habits, place of residence, and budget. Which benefits are particularly important to you? Do you need comprehensive coverage, or is basic protection sufficient?
Use comparison portals to compare rates. reiseversicherung.com offers a comparison of over 200 travel insurance rates (reiseversicherung.com). Also, compare directly with providers to get a complete picture. We help you find the best deals.
Seek advice. Insurance brokers (e.g., DR-WALTER) or independent advisors can assist you in selecting. They know the various tariffs and can give you an individual recommendation. We work with experienced partners to provide you with the best possible advice. Remember to consider health insurance for retirees in Australia.
Well insured abroad: Your conclusion on international health insurance
An international health insurance for expatriates is a must for anyone living abroad long-term. Ensure you have comprehensive coverage, flexibility, and a personalised approach. Compare the various providers and plans to find the appropriate coverage. With the right insurance, you can enjoy your new start abroad without concerns.
The digitalisation of insurance services and telemedicine offerings will play an increasingly significant role in the future. Adapting to changing travel and lifestyle trends will also shape the insurance industry. We at GoMovin are always at the forefront of these developments, offering you innovative solutions for your overseas protection. Care Concept, for instance, offers an international health insurance for travel up to 5 years to the USA, Canada, and Mexico (Care Concept).
We at GoMovin support you at every step of your international move. From planning to execution, we are by your side with our expertise. Contact us today to learn more about our services. We look forward to helping you with your new start abroad! Start now with your free consultation!
Further useful links
Care Concept offers special rates for long-term stays abroad with Care Expatriate and Care Global.
Young Travellers provides comprehensive insurance solutions for emigrants through APRIL International.
HanseMerkur specialises in long-term travel health insurance for expats and emigrants.
PassportCard (Allianz) enables comprehensive coverage with a direct payment option through its partnership with Allianz.
Deutsche im Ausland offers information and advice on international health insurance.
Care Concept offers health insurance abroad for trips up to 5 years to the USA, Canada, and Mexico.
FAQ
Why is an international health insurance necessary for expatriates?
An international health insurance protects you from high medical costs abroad, which could threaten your financial stability. It offers comprehensive coverage that extends beyond the benefits of statutory health insurance.
What benefits should a good international health insurance cover?
A good international health insurance should cover outpatient and inpatient treatments, medications, emergency care, repatriation, and ideally also dental treatments and maternity benefits.
Can I take out international health insurance after moving abroad?
Some providers allow the conclusion of international health insurance even after departure, but this is not always the case. It is advisable to take out the insurance in good time before departure to ensure seamless cover.
Which providers of international health insurance are recommended?
Recommended providers include Care Concept (Care Expatriate, Care Global), Young Travellers (APRIL International), HanseMerkur, Foyer Global Health, Cigna Global and PassportCard (Allianz). Compare the rates to find the protection that fits you best.
What is the difference between travel health insurance and international health insurance?
Travel health insurance is intended for short trips, while international health insurance is specifically tailored to the needs of expatriates and long-term stays. It offers more comprehensive cover and takes into account the changed living conditions abroad.
What role does the deductible play in international health insurance?
The deductible affects the premium. A higher deductible reduces the monthly fees, while a lower or no deductible means higher fees. Consider which option is best suited for you.
What should I consider when choosing the coverage area of my international health insurance?
Ensure that the coverage area of your international health insurance includes the countries where you will reside. Some plans exclude specific regions (e.g. USA, Canada, Mexico) or offer different levels of benefits depending on the region.
How do I find the right international health insurance for my individual needs?
Analyse your health condition, travel habits, location, and budget. Use comparison portals and seek advice from insurance brokers or independent advisors to find the best option.
