Coverage that says yes.

No — pre-existing conditions aren't covered under this policy; they're excluded from the start. But having one won't stop you from getting covered or increase your premium, and you don't need to submit medical records to apply. Anything new that arises after your policy starts is covered as normal. Applicants aged 65–70 complete a short medical assessment, which the insurer reviews before approving the application.

International Health is for globally mobile people based outside the EU and isn't sold in Germany. Long-term expat is the option for people in Germany, and for anyone International Health can't take on. It also handles pre-existing conditions differently: International Health can often cover them (sometimes with a surcharge), while long-term expat won't cover a pre-existing condition but will still issue you a policy without raising your price.

Yes, this policy meets the legal requirements for getting your first visa or visa renewal.

We can get you covered within 1-2 days of application.

With our long term policy, there is no time limit to the coverage.

Your cover travels with you worldwide, and you can choose to include or exclude the USA and Caribbean (including them affects your price). You'll select the country you're living in when you sign up — most countries are available, but some (including the USA, Canada, Switzerland, Ireland and a number of others) aren't eligible for this policy. If yours isn't available, we'll help you find an alternative during sign-up. See the policy documents for the full list.

There is no waiting period for long term expat health, but please note, pre-existing conditions will not be covered under the policy.

Yes, you'll have to pay upfront and submit photos of all the bills or receipts from your account to get reimbursed. You must pay the doctor or clinic as soon as possible. The reimbursement will be made to you, not to the doctor.

Yes, dependents can be added to your plan. You would simply purchase a new policy for them and we can store it under one account.

Yes, there is cover immediately for dental accidents, and routine dental care is also included after 6 months on the policy.

Yes! If you would like to switch to our long term plan, we can assist you to do so and ensure there are no gaps nor overlap in coverage.

You can take out the policy up to age 70. Once you're on it, there's no upper time limit — you can stay covered for as long as you need. Applicants aged 65–70 complete a short medical assessment as part of signing up.

There's no waiting period for new illnesses or accidents — you're covered as soon as your policy starts. Routine check-ups become available after an initial waiting period.

Accidents, emergencies and new illnesses, inpatient and outpatient treatment, and medical repatriation (including return of remains to your home country). The plan also includes telehealth/GP video consultations. For the full detail on dental, psychiatric, maternity and travel cover, see the coverage table and policy documents.

€75 per event, and it only applies to outpatient care.

No. It doesn't replace German public (GKV) or private (PKV) health insurance and isn't meant to. It's for people who aren't eligible for those systems — and if you become eligible later, you can switch. It also doesn't include sick pay or long-term care insurance (Pflegeversicherung).