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Health Insurance

Private International Health Insurance

The rise of international health insurance

International health plans are becoming more and more popular for those not just looking to protect themselves against ever raising health care costs, but also to counter increasing national health insurance premiums. With the USA leading the list of being the most expensive country regarding medical costs, Switzerland, Sweden and then Germany coming fourth follow closely.

Not only are international health insurers able to tailor their plans to meet local legal requirements, hence acceptance is guaranteed, and Visas issued, but these same plans are flexible at the same time and provide full medical cover abroad, making sure people can travel the world whilst on holiday or because of business.

International medical plans for more favourable premiums

Whether you are national resident/ expat, freelance/ self-employed, a student or simply currently without occupation, regardless of your situation

we are your "One-Stop-Shop" for international health insurance.

Located in Germany, yet offering our health insurance services on a global stage, we have the means and partners to offer the medical insurance that suits your situation, meets your expectations and will not put you out of pocket more than necessary.

Germany and its tripping hazards - a very special market

Since 2009 all German residents are obliged to be in possession of a health insurance plan that meets the requirements of their legislation and this must be secured shortly after officially arriving. There are many German products available, however being told the pricing people tend to be appalled and therefore look for alternatives, finding international health solutions more appropriate for their situation.

 

All medical insurance solutions we offer to German residents are approved and accepted!

 

Not having lived in Germany for more than 60 months at a stretch, it is everybody's right to insure themselves with an international company! The insurer or its underwriter has to be registered with the German Federal Financial Supervisory Authority (BaFin) and their plans must fulfil the legal requirements of the lawgiver to receive an initial or renewal VISA from the Foreigners' Office (Ausländerbehörde).

Our international health insurance partners

à la carte healthcare - "They are different because they care"

aLC Healthcare (part of the IMG Group) offer pan-European and worldwide medical cover at a good level of benefits at affordable pricing. Their policies, Prima Classic, Prima Premier or Prima Platinum have a range of benefits with the additional advantage of receiving instant cover via online-application within minutes. In terms of expenses their "cost-effective" Prima Classic plan costs quarterly as little as a German private company charges per month, hence the ideal product for people who simply want to receive a German residence permit (VISA).

Get a ALC Health medical quote in less than 1 minute.For more information on what ALC Health has to offer, please click here.

Cigna - "Ultimate Medical Insurance"

Cigna Global Health Benefits is under the umbrella of the American Cigna entity. Their standard area of cover is worldwide, providing medical coverage to more than 80 million customers, sales capabilities in 30 countries and more than 37,000 employees to take care of your needs around the clock. In comparison to others, Cigna offer extensive flexibility to tailor any of their 3 plans, as core- and cost-sharing deductibles on both In- & Outpatient treatment, a variety of optional benefits, in-house claim-handling and exceptional cancellation terms. Their standard plan is often compared to a mid-range plan with other providers, thus it does not get any better than Cigna!

For more information on what Cigna has to offer, please click here ...

Get yourself your personalised CIGNA international health insurance quotation in just 3 minutes.

Foyer Global Health - "Moving On With You"

Situated in Luxemburg is a leading insurance company offering expats worldwide comprehensive health plans that meet your needs and offers a comprehensive benefit plan at affordable prices. You can choose from their Essential, Special and Exclusive plans all of which offer a high level of medical care and will also consider pre-existing conditions, subject to a risk assessment. No hidden exclusion costs and no maximum annual insured-sum applies to any of their plans. Global Health recognise the transgender community, and welcome all enquiries.

For more information on price, policies and benefits please click here ...

 

Globality Health - "Exceptional Health Insurance for Expatriates"

Globality S.A., located in Luxembourg, with more than 80 years experience, is a provider of international health insurance specialising in expats studying, living and working abroad. With plans offering 'essential' to 'top' worldwide coverage with 3,000+ experts speaking up to 24 different languages and available 24/7/365.  For expats seeking medical insurance in Germany, in cooperation with the German DKV, Globality have tailored a product called 'YouGenio for Germany'. This includes all benefits required by German legislation, mandatory Long-Term-Care ("Pflegepflichtversicherung") insurance can be added, hence 60 months worry-free stay is guaranteed! 

For more information on the product range, please click here ...

 

Morgan Price - "The Best Individual International PMI Provider 2018"

Morgan Price International Healthcare Ltd, a specialist international private medical insurance provider formed in 1999, is a reliable, honest, international healthcare company, providing peace of mind with simple and competitive products. They are a UK based company and are authorised and regulated by the Financial Conduct Authority (FCA). Working in various markets across the world, Morgan Price offer a range of plans appropriate to each location and are one of the founding members of the Association of International Medical Insurance Providers (AIMIP).

 For more information on what Morgan Price has to offer, please click here.

International versus German Health Insurance

Unfortunately, when applying for German private health insurance, it is not uncommon anymore to receive an acceptance only with premium loadings or back payments and sometimes even just a denial letter.

International health insurance is certainly the more inexpensive option and searching the web one will soon learn that there are many insurers and agents offering products, advertising that as cover is provided worldwide their tariffs are suitable for Germany. Too often this is regrettable not the case, therefore a pinch of scepticism must be allowed. Concrete, some fail to mention that their products have not been approved by the German Financial Supervisory Authority (BaFin), thus are not qualified as a legally adequate substitute, meaning they are classed as no more than travel medical insurance, viable for short stays in Germany only.

 

German Long-Term-Care & International Medical Insurance

As a client of ERICON broker and holding a international medical insurance plan, you have the opportunity to purchase mandatory German Long-term care insurance ("Pflegepflichtversicherung"). In combination, health insurance cover is raised to the German 'standard' and well received at the German Foreigners' Office, when applying for a VISA.

ERICON recommend:
Don't wait until 'the last minute' to purchase long-term care. Instead, have it in place as soon as you know to be remaining in Germany for more than 5 years, at any one time.