The biggest worry abroad is rarely the treatment itself – it is the cost and what comes afterwards: collecting receipts, submitting them, waiting. After a hospital stay, several thousand euros can be tied up in your account for weeks.
PassportCard reverses this principle. You receive a payment card based on Mastercard that the insurer tops up in real time when needed. With it you pay directly at the practice, the pharmacy or the clinic, anywhere in the world.
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A practical note: save the service number in your phone before anything happens, and carry the card like a bank card. Without the card, the classic route with upfront payment and reimbursement applies.
Maximum freedom without administrative baggage. If you are treated in changing countries, you avoid having to deal with different billing systems each time.
Long-term security with German service standards – including contacts who speak your language.
Worldwide cover including home visits. How long that home cover applies per year is worth clarifying before you sign.
The card changes the payment process, not the benefit catalogue. What the plan does not cover will not be topped up. Watch the same points as with any international plan:
Calculate your plan and order your card
Alternatives compared: Cigna Global, Foyer Global Health, APRIL International and BDAE. For the overview see health insurance abroad.
Never want to pay up front again? Contact us on WhatsApp (+49 151 28937141) or via the contact form.
The top-up happens in real time: you request it through the app or by phone and the reimbursable amount is immediately available. That means you can pay directly at the practice or clinic.
The card is based on Mastercard and is accepted wherever Mastercard is accepted. At facilities that do not offer card payment, the classic route via upfront payment and reimbursement applies.
As is usual for international health insurance, health questions apply and existing diagnoses can lead to surcharges or exclusions. The payment card affects only the payment process, not the scope of cover.
Home cover is usually provided, though with a time limit per year. If you return to Germany regularly and for longer periods, this should be checked before you sign.
Then the reason for treatment falls outside the insured scope – for example an excluded pre-existing condition. That is exactly why the choice of plan matters more than the payment method. We review the benefit catalogue with you before you apply.
Want to know which PassportCard plan fits your plans abroad? Book a free initial consultation or start the insurance check.
We advise emigrants and long-term travellers for whom upfront payments and reimbursement bureaucracy are a real obstacle. With PassportCard we show where the advantage is real – and where the benefit catalogue decides.
In an emergency, speed counts. We are available via WhatsApp, video call or phone – across time zones.
We tell you clearly what the card solves and what it does not: the payment route is not the same as the scope of cover.
Nomadic life, emigration or a posting call for different tiers and areas of cover.
For questions about top-ups, refusals or adjusting your cover, we remain your point of contact.
