BDAE specialises in people who live between countries – originally for Germans abroad, today equally for professionals, researchers and families moving their centre of life to Germany. Two plan families matter for this group: Expat Germany for a fixed-term stay and Expat Infinity for an open-ended perspective.
The decisive difference is not the benefit catalogue but the timeline. Choose the wrong one and you stand without a follow-up solution after a few years – and then you have to go through fresh medical underwriting, which by that point may turn out differently.
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International health insurance for people moving their centre of life to Germany temporarily – designed for stays of up to five years.
Expat Infinity applies worldwide and has no maximum duration. That makes it relevant for people from abroad who are looking for long-term or permanent cover.
Three questions almost always lead to the answer:
Still comparing? We also regularly review APRIL International, Foyer Global Health, Cigna Global and Hi.Germany by Hallesche for Germany. An overview is available at health insurance for foreigners in Germany.
Immigration offices check whether your cover meets the required minimum standards. What form of proof is demanded differs by visa type and federal state. Clarify this before your appointment, not during it.
International plans use health questions. Incomplete answers are the most common reason benefits are later reduced or refused. Tell us openly what applies and we will look specifically for a provider that can handle it.
Ask at the outset: what happens on extension, on a move into employment subject to social insurance, and on returning to your home country? Clarifying this shortly before the contract ends leaves you with the weaker hand.
Stay already planned? Get in touch via the contact form or on WhatsApp (+49 151 28937141).
Expat Germany is designed for temporary stays in Germany of up to five years. If your stay goes beyond that, you need a follow-up solution in good time – for example Expat Infinity or German private comprehensive insurance, depending on your status.
Expat Infinity applies worldwide and has no time limit, so it also suits long-term or permanent stays. Expat Germany is tailored to a fixed-term stay in Germany. The difference lies mainly in the duration logic and the geographic design.
That depends on your visa type and the responsible authority. International plans often meet the requirements, but not in every constellation and not identically in every federal state. We review your case before you apply so there are no surprises at your appointment.
If you are employed in Germany subject to social insurance, statutory insurance generally applies. International plans are therefore mainly relevant for posted workers, self-employed people, guests or employees above the income threshold. We assess this individually.
With Expat Infinity the worldwide cover in principle moves with you. With a Germany-focused plan you need to clarify whether and for how long cover continues after a change of residence. Always report a move actively – an unreported change of residence is the classic route into a coverage gap.
Want to know whether Expat Germany or Expat Infinity fits your stay? Book a free initial consultation or start the insurance check.
We have been brokering BDAE plans for years to people who live between countries. You get a clear recommendation on the right BDAE health insurance for Germany – in German and English.
Visa and authority deadlines do not wait. We are available via WhatsApp, video call or phone – even while you are still planning from abroad.
You see how long each plan carries you, what it covers and where the limits are – including what happens when the term ends.
Posting, freelance project or permanent move: we choose between Expat Germany and Expat Infinity based on your real outlook.
Extension, change of status or return: we accompany the transitions where coverage gaps most often appear.
