BDAE Group

The origin of BDAE GROUP was the foundation in Germany in 19915 of an association called:

Bund der Auslands-Erwerbstätigen (BDAE) e.V. (“Association of People working abroad”)

BDAE now offers a range of products to meet the needs of international travellers and short and long term expatriates, Their products address the needs of people in the following categories, those:

  • abroad for up to 5 years
  • abroad for longer than 5 years - see 'Infinity' for life long coverage.
  • living abroad and retired
  • living abroad and working
  • foreigners in Germany
  • who are studying abroad
  • abroad for short stays

BDAE's headquarters is Hamburg and since 2002 they also had a branch in United Arab Emirates and a service centre in the US.

In mid 2017, the BDAE Group became a subsidiary of MSH Inter-national, a global leader in the development of international health insurance plans. Together with MSH, BDAE takes care of more than 400,000 expats in194 countries.

CORONOVIRUS UPDATE -1 April 2020

Due to the coronavirus, the health insurance policies of BDAE's insurance partner, Würzburger Versicherungs-AG ie:

  • Expat Infinity,
  • Expat Resident,
  • Expat Retired,
  • Expat Visit,
  • Expat Academic and Travel Secure

are temporarily not available to new customers.

The health insurance policies of their partner Swiss Life

  • Expat Germany
  • Expat Flexible
  • Expat Private
  • Private Premium

Can all still be taken without restrictions.

For an overview of the full range of products offered by BDAE, please see brochure link below:

Document missing

Questions? Contact Ms Romi Gill romi.gill@navigator-insurance.com Tel +852 2530 2530

  • Insurance cover for private individuals who stay abroad for educational/vocational training purposes
  • Worldwide validity
  • The maximum insurable age is 34 years
  • The maximun duration of the insurance are three years
  • The policy holder or the insured person can terminate the insurance contract daily towards the end of the current insurance month

It offer you products that match your individual needs. Therefore you can choose between the basic tariff Expat Academic Basis and the amended tariffs Expat Academic Standard and Expat Academic Premium.

Expat Academic Basis

  • Outpatient and inpatient Treatment: 100%
  • Remedies: up to €250 per year
  • Prescribed pharmaceuticals and materials: 100%
  • Dental Treatment: up to €250 per year
  • Tooth Replacement: 50% up to €500 under consideration of the tooth scale limits and after the expiry of waiting periods
  • Maternity and Childbirth: 100%
  • Medical Aids required due to an accident: up to €250 per year
  • Repatriation of mortal remains up to €15,000

Expat Academic Standard

Basis-tariff expanded to:

  • Remedies: up to €500 per year
  • Dental Treatment: up to €500 per year
  • Medical Aids required due to an accident: up to €500 per year

Expat Academic Premium

Basis-tariff expanded to:

  • Remedies: up to €750 per year
  • Dental Treatment: up to €900 per year
  • Tooth Replacement: 50% up to €1,000 under consideration of the tooth scale limits and after the expiry of waiting periods
  • Medical Aids required due to an accident: up to €750 per year

Exclusions from insurance cover

  • Medical conditions which arose or existed prior to the insurance cover or during the waiting period l for the purchase of adjuvants, like e.g. glasses, contact lenses, insoles, prostheses, etc.
  • Treatments resulting from events due to the participation in a non-tourist expedition
  • Treatments that are wilfully caused by the insured person
  • for preventive medical checkup
  • Insurance cover for private individuals
  • Worldwide vadility (also for temporary stays in Germany)
  • The maximum insurable age is 66 years
  • The insurance cover may be terminated any time. In this case the insurance cover ceases at the end of the month following the month in which the notice of termination has been submitted to the policy holder

We offer you products that match your individual needs. Therefore you get, besides the basic package Expat Flexible Basis the additional module Expat Flexible Plus.

Expat Flexible Basis

  • Outpatient Treatment: 100%
  • Inpatient Treatment: 100%, Worldwide accommodation as a private patient in a shared room, in Germany as per the general level of accommodation
  • Pharmaceuticals and Materials: 100%
  • Dental Treatment: 100%
  • Local Ambulance Transport: 100%
  • Medical Evacuation for up to €250,000 per claim
  • Repatriation of mortal remains up to €10,000

Expat Flexible Plus

  • Tooth Replacement: 60% of the tooth scale limits after the expiry of waiting periods
  • Medical Aids in simple form and repair costs: 80% up to €1,000 per year
  • Outpatient medical check-up for the early recognition of cancer: 100%
  • Prescribed Glasses and Contact Lenses: €50 per year

Exclusions from insurance cover

  • Medical conditions which arose or existed prior to the insurance cover or during the waiting period l Rehabilitation and Stays in Spas or Cure Centers
  • Infertility Treatment and all related check-ups
  • Psychiatry and Psychotherapy, Self-inflicted Injuries
  • Maternity and Childbirth
  • Insurance cover for private individuals
  • Worldwide vadility
  • The maximum insurable age is 66 years
  • The insurance cover may be terminated any time. In this case the insurance cover ceases at the end of the month following the month in which the notice of termination has been submitted to the policy holder

Expat Private

  • Outpatient Treatment: 100%
  • Inpatient Treatment: 100%, Worldwide accommodation as a private patient in a shared room
  • Pharmaceuticals and Materials: 100%
  • Dental Treatment: 100%
  • Tooth Replacement: 80% of the tooth scale limits after the expiry of waiting periods
  • Outpatient medical check-up for the early recognition of cancer: 100%
  • Maternity and Childbirth: 100%
  • Medical Aids in simple form and repair costs: 80% up to €2,000 per year
  • Prescribed Glasses and Contact Lenses: €50 per year
  • Psychotherapy: 80% on outpatient trauma treatment with a limit of €2,000 per year 4 Local Ambulance: 100%
  • Medical Evacuation for up to €250,000 per claim
  • Repatriation of mortal remains up to €10,000

Exclusions from insurance cover

  • Medical conditions which arose or existed prior to the insurance cover or during the waiting period l Rehabilitation and Stays in Spas or Cure Centers
  • Infertility Treatment and all related check-ups
  • Treatment of illnesses related to drug abuse and rehabilitation
  • Insurance cover for private individuals
  • Worldwide vadility
  • The maximum insurable age is 66 years
  • The insurance cover may be terminated any time. In this case the insurance cover ceases at the end of the month following the month in which the notice of termination has been submitted to the policy holder

Expat Private Premium

  • Outpatient Treatment: 100%
  • Inpatient Treatment: 100%, Worldwide accommodation as a private patient in a single room
  • Pharmaceuticals and Materials: 100%
  • Dental Treatment: 100%
  • Tooth Replacement: 90% of the tooth scale limits after the expiry of waiting periods
  • Outpatient medical check-up for the early recognition of cancer: 100%
  • General medical check-ups with a limit of up to €300 per year
  • Travel Vaccinations: Limit of €250 per policy duration
  • Maternity and Childbirth: 100%
  • Medical Aids in simple form and repair costs: 80% up to €2,000 per year
  • Normal Prescribed Glasses and Contact Lenses: €600 every three years after a waiting period of 12 months
  • Psychotherapy: 80% on outpatient trauma treatment with a limit of €2,000 per year 4 Local Ambulance: 100%
  • Medical Evacuation for up to €250,000 per claim
  • Repatriation of mortal remains up to €10,000

Exclusions from insurance cover

  • Medical conditions which arose or existed prior to the insurance cover or during the waiting period
  • Rehabilitation and Stays in Spas or Cure Centers
  • Infertility Treatment and all related check-ups
  • Immunisation Treatments
  • Treatment of illnesses related to drug abuse and rehabilitation
  • Insurance cover for private individuals
  • Worldwide vadility (exceptions: USA, Canada, Germany, native country)
  • The duration of the insurance is unlimited
  • The maximum insurable age is 67 years
  • The insurance cover can be terminated for individual insured persons with one month notice to the end of the insurance year.

Expat Resident

  • Outpatient Treatment: 100%
  • Inpatient Treatment: 100%, Accommodation as a private patient in a single room
  • Pharmaceuticals and Materials: 100%
  • Dental Treatment: 100%
  • Tooth Replacement: 90% of the tooth scale limits after the expiry of waiting periods
  • Outpatient medical check-up for the early recognition of cancer: 100%
  • General medical check-ups with a limit of up to €300 per year
  • Travel Vaccinations: Limit of €600 per year
  • Maternity and Childbirth: 100%
  • Medical Aids in simple form and repair costs: 80% up to €2,000 per year
  • Prescribed Glasses and Contact Lenses: €300 every three years after a waiting period of 12 months
  • Psychotherapy: 80% on outpatient treatment with a limit of €2,000 per year and a total limit of 30 days during the overall policy period for inpatient treatment
  • Local Ambulance: 100%
  • Medical Evacuation for up to 250,000 Euro per claim
  • Repatriation of mortal remains up to €10,000

Exclusions from insurance cover

  • Medical conditions which arose or existed prior to the insurance cover or during the waiting period
  • Rehabilitation and Stays in Spas or Cure Centers Treatment by relatives
  • Treatment by relatives
  • Infertility Treatment and all related check-ups
  • Immunisation treatment
  • Insurance cover for private individuals
  • Worldwide vadility (exceptions: USA, Canada, Germany, native country)
  • The duration of the insurance is unlimited
  • The maximum insurable age is 67 years
  • The insurance cover may be terminated any time. In this case the insurance cover ceases at the end of the month following the month in which the notice of termination has been submitted to the policy holder

We offer you products that match your individual needs. Therefore you get, besides the basic package Expat Flexible Retired Basis the additional module Expat Retired Top.

Expat Retired Basis

  • Outpatient Treatment: 100%
  • Inpatient Treatment: 100%, Worldwide accommodation as a private patient in a shared room, in Germany as per the general level of accommodation
  • Pharmaceuticals and Materials: 100%
  • Dental Treatment: 100%
  • Local Ambulance: 100%
  • Medical Evacuation for up to €250,000 per claim
  • Repatriation of mortal remains up to €10,000

Expat Retired Top

  • Tooth Replacement: 80% of the tooth scale limits after the expiry of waiting periods
  • Outpatient medical check-up for the early recognition of cancer: 100%
  • Prescribed Glasses and Contact Lenses: €50 per year
  • Bandages, foot orthotics, crutches and wal- king frames in simple form: 100%

Exclusions from insurance cover

  • Medical conditions which arose or existed prior to the insurance cover or during the waiting period
  • Rehabilitation and Stays in Spas or Cure Centers
  • Infertility Treatment and all related check-ups
  • Psychiatry and Psychotherapy, Self-inflicted Injuries
  • Maternity and Childbirth

claim details

underwriting details

comparison details

With BDAE's 'Infinity', you can integrate pre-existing conditions in your insurance cover by adding a risk premium. Persons up to 75 years of age are eligible to take out a policy, which means pensioners can also benefit from high-quality insurance cover.

As the only international health insurance provider in Germany, the BDAE Group’s EXPAT INFINITY also offers the possibility of prospective entitlement. Everybody who has not yet definitely decided whether he or she really wants to stay abroad in the long run or whether he or she might have the wish to stay in Germany for a while from time to time, will now, with EXPAT INFINITY, be able to “put off” his or her examined state of health. Sometime in future, when the prospective entitlement is changed to become the EXPAT INFINITY active insurance coverage, this status will not be queried again.

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Email: crew@navigator-insurance.com
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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong