The biggest practical annoyance with international health insurance is rarely the scope of cover – it is the money. You pay the bill yourself, submit it and wait for reimbursement. After a hospital stay, four-figure sums can be tied up in your account for weeks.
PassportCard reverses this principle: you receive a payment card that the insurer tops up in real time when needed. You pay directly at the practice, the pharmacy or the clinic – without touching your own budget.
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The difference matters most for two groups: people with limited liquidity, and anyone treated in countries where clinics insist on payment before treatment.
You pay for doctor visits and medication worldwide – and of course in Germany – directly with the card.
Your private budget stays untouched. This is the core advantage over classic reimbursement plans.
Ideal if you use Germany as a base and travel internationally. The cover is not tied to a single health system.
A team of experts in Hamburg is available 24/7. In an emergency this is the number you call first – before the doctor's appointment.
PassportCard offers tiered packages: from solid basic cover to premium protection including preventive care and dental benefits. Which tier makes sense comes down to the same questions as with any international plan:
With PassportCard too: the card changes the payment process, not the benefit catalogue. What the plan does not cover will not be loaded onto the card. Two points are particularly important:
Alternatives compared: Cigna Global, Foyer Global Health, APRIL International and BDAE.
Never want to pay up front again? Get in touch via the contact form or on WhatsApp (+49 151 28937141).
You report the need for treatment to the service, the reimbursable amount is loaded onto your card in real time, and you pay directly at the practice, pharmacy or clinic. No advance payment from your own account is required.
No, the cover is designed worldwide. That is precisely the advantage if you use Germany as a base and travel internationally. For high-cost countries such as the USA, international plans usually apply separate rules.
That depends on your residence permit and employment status and cannot be answered in general terms. We review your situation before you apply and tell you openly if a German plan is the more solid route.
As is usual for international health insurance, health questions apply and existing diagnoses can lead to surcharges or exclusions. The payment card changes nothing here – it affects the payment process, not the scope of cover.
Then the classic route applies: you pay yourself and submit the bill for reimbursement. That is why it is worth carrying the card like a bank card and saving the service number in your phone before anything happens.
Want to know whether PassportCard fits your status in Germany? Book a free initial consultation or start the insurance check.
We advise expats for whom upfront payments and reimbursement bureaucracy are a real obstacle. With PassportCard we show you where the advantage is real – and where the benefit catalogue still decides.
In an emergency, speed counts. We are available via WhatsApp, video call or phone – across time zones.
We tell you what the card solves and what it does not: the payment route is not the same as the scope of cover.
Employed, self-employed or posted: first we clarify your status in Germany, then the right plan.
For questions about top-ups, refusals or adjusting your cover, we remain your point of contact.
