Care Expat World International Health Insurance
For expatriates, people moving abroad and digital nomads.
Choose cover for your location and needs, with no fixed maximum policy term.
From €40/month
Starting rate: age band 0–24, Zone 1, Basic,
with a €3,600 deductible per calendar year.
Minimum term: 12 months · New applicants must be under 65 when cover starts
Not suitable for stays in Germany exceeding 180 days per calendar year. Check home-country cover separately.
Cover for life abroad
You can apply while already abroad. Acceptance depends on residence, previous insurance and health assessment.
Expatriates and overseas workers
Ongoing cover for eligible outpatient treatment, hospital care and other medical needs during a longer stay abroad.
People moving abroad and digital nomads
Choose a zone for where you live; a fixed address is not required. Changes to zones or plans remain subject to the policy and application requirements.
Accompanying family members
Eligible spouses, partners and children living with you can apply. Eligibility and premiums are assessed for each person; there is no single family rate.
- Policy term
- At least 12 months, with no fixed maximum term. Eligibility conditions continue to apply.
- Age at entry
- New applicants must be under 65 when cover starts. Actual entry age differs from the calendar-year age used for pricing.
- Previous insurance
- Required, with no more than 12 months between its expiry and the new start date. A gap generally triggers a 31-day waiting period.
- Insurer & support
- Underwritten by Barmenia, administered by Care Concept, with English support from STU.
Mainly living in Germany? Check other options first.
The terms exclude people spending more than 180 days per calendar year in Germany and those subject to German compulsory public health insurance. Check cover appropriate to your residence status.
Choose your cover area
The zone defines where you are covered; Basic, Comfort and Premium define the benefits.
Worldwide, excluding China, Singapore and the USA
For eligible stays in other countries. The €40/month starting rate applies to this zone.
Worldwide, including China and Singapore, excluding the USA
For routine cover in China or Singapore, check Zone 2 and the policy’s home-country definition.
Worldwide, including China, Singapore and the USA
For longer stays or routine medical cover in the USA, check Zone 3.
Zones 1 and 2 generally include medical emergency cover for trips to higher zones for up to 42 days per trip. This does not cover routine treatment or travel for treatment.
Including China in your zone does not remove home-country exclusions. The current terms limit the 180-day home-country extension to EU/Schengen home countries. If your Heimatland is China, obtain written confirmation first. Nationality or permanent residence can determine your home country.
Compare Basic, Comfort and Premium
All three plans offer a choice of zones and annual deductibles. Compare dental, maternity and mental health benefits before choosing.
Basic
From €40/month
Essential outpatient and hospital care. Routine dental care, preventive check-ups and routine maternity care are excluded.
Comfort
From €65/month
Adds dental care, check-ups, vaccinations, routine maternity care and outpatient psychotherapy under the terms.
Premium
From €85/month
Higher limits for selected benefits, plus inpatient psychotherapy and eligible vision correction.
Starting rates are per person per month for age band 0–24, Zone 1, with a €3,600 calendar-year deductible.
| Benefit | Basic | Comfort | Premium |
|---|---|---|---|
| Main focus | Essential outpatient and hospital care | Adds dental, preventive and maternity care | Adds mental health, vision and higher benefit limits |
| Outpatient care, prescriptions & diagnostics | Covered under the terms | Covered under the terms | Covered under the terms |
| Hospital room / senior consultant treatment | 1- or 2-bed room; standard shared ward in Germany | 1- or 2-bed room and senior consultant treatment | 1- or 2-bed room and senior consultant treatment |
| Routine dental treatment / cleaning | Not included | Dental treatment; cleaning up to €150/year | Dental treatment; cleaning up to €250/year |
| Dentures / orthodontics under age 20 | Not included | 60%, up to €8,000/year | 80%, up to €10,000/year |
| Routine maternity care | Not included | Included; generally a 10-month waiting period | Included; generally a 10-month waiting period |
| Inpatient cancer treatment limit | Up to €50,000 | Up to €100,000 | No specific limit for this benefit under the terms |
| Preventive check-ups | Not included | Up to €600 per 2 full calendar years | Up to €1,200 per 2 full calendar years |
| Vaccinations / visual aids | Not included | Vaccinations: €250/year; glasses and other visual aids: €300 per 2 full calendar years | Vaccinations: €500/year; glasses and other visual aids: €500 per 2 full calendar years |
| Outpatient psychotherapy | Not included | 15 sessions/year, up to €150 per session | 25 sessions/year, up to €150 per session |
| Inpatient psychotherapy | Not included | Not included | Up to 42 days, subject to the terms |
| Annual deductible options | €0 / €1,200 / €3,600 | €0 / €1,200 / €3,600 | €0 / €1,200 / €3,600 |
Main focus
- Basic
- Essential outpatient and hospital care
- Comfort
- Adds dental, preventive and maternity care
- Premium
- Adds mental health, vision and higher benefit limits
Outpatient care, prescriptions & diagnostics
- Basic
- Covered under the terms
- Comfort
- Covered under the terms
- Premium
- Covered under the terms
Hospital room / senior consultant treatment
- Basic
- 1- or 2-bed room; standard shared ward in Germany
- Comfort
- 1- or 2-bed room and senior consultant treatment
- Premium
- 1- or 2-bed room and senior consultant treatment
Routine dental treatment / cleaning
- Basic
- Not included
- Comfort
- Dental treatment; cleaning up to €150/year
- Premium
- Dental treatment; cleaning up to €250/year
Dentures / orthodontics under age 20
- Basic
- Not included
- Comfort
- 60%, up to €8,000/year
- Premium
- 80%, up to €10,000/year
Routine maternity care
- Basic
- Not included
- Comfort
- Included; generally a 10-month waiting period
- Premium
- Included; generally a 10-month waiting period
Inpatient cancer treatment limit
- Basic
- Up to €50,000
- Comfort
- Up to €100,000
- Premium
- No specific limit for this benefit under the terms
Preventive check-ups
- Basic
- Not included
- Comfort
- Up to €600 per 2 full calendar years
- Premium
- Up to €1,200 per 2 full calendar years
Vaccinations / visual aids
- Basic
- Not included
- Comfort
- Vaccinations: €250/year; glasses and other visual aids: €300 per 2 full calendar years
- Premium
- Vaccinations: €500/year; glasses and other visual aids: €500 per 2 full calendar years
Outpatient psychotherapy
- Basic
- Not included
- Comfort
- 15 sessions/year, up to €150 per session
- Premium
- 25 sessions/year, up to €150 per session
Inpatient psychotherapy
- Basic
- Not included
- Comfort
- Not included
- Premium
- Up to 42 days, subject to the terms
Annual deductible options
- Basic
- €0 / €1,200 / €3,600
- Comfort
- €0 / €1,200 / €3,600
- Premium
- €0 / €1,200 / €3,600
‘Year’ means calendar year. Dentures and orthodontics generally have a 10-month waiting period, with accident exceptions; orthodontics is limited to people under 20. Check-up and visual aid limits apply over 2 full calendar years; for a mid-year start, these benefits begin the following year. Pregnancy complications remain subject to medical necessity and pre-existing condition restrictions.
Check premiums for your age, zone and deductible
A higher deductible generally lowers the monthly premium but increases your share of treatment costs. Health assessment may result in surcharges or exclusions.
Zero-deductible premiums from €130/month
| Zone | Basic | Comfort | Premium |
|---|---|---|---|
| Zone 1 | €130 | €230 | €250 |
| Zone 2 | €195 | €345 | €375 |
| Zone 3 | €320 | €529 | €550 |
Three annual deductible options
Choose €0, €1,200 or €3,600 per calendar year. For a mid-year start, the first-year deductible is prorated by full calendar months from the start month.
Covered dental care, preventive examinations and vaccinations are exempt from the deductible under the terms. Exemptions do not add benefits excluded from your plan.
View zero-deductible premiums for all age bands
| Age for pricing | Basic | Comfort | Premium |
|---|---|---|---|
| 0–24 | €130 | €230 | €250 |
| 25–29 | €155 | €290 | €320 |
| 30–34 | €175 | €305 | €350 |
| 35–39 | €175 | €305 | €350 |
| 40–44 | €210 | €335 | €370 |
| 45–49 | €250 | €405 | €430 |
| 50–54 | €290 | €440 | €510 |
| 55–59 | €345 | €600 | €655 |
| 60–64 | €460 | €750 | €800 |
| 65–69 | €600 | €1,050 | €1,250 |
| 70+ | €1,050 | €1,380 | €1,650 |
| Age for pricing | Basic | Comfort | Premium |
|---|---|---|---|
| 0–24 | €195 | €345 | €375 |
| 25–29 | €235 | €435 | €480 |
| 30–34 | €263 | €458 | €525 |
| 35–39 | €263 | €458 | €525 |
| 40–44 | €315 | €503 | €555 |
| 45–49 | €375 | €608 | €645 |
| 50–54 | €435 | €660 | €765 |
| 55–59 | €518 | €900 | €985 |
| 60–64 | €690 | €1,125 | €1,200 |
| 65–69 | €900 | €1,575 | €1,875 |
| 70+ | €1,575 | €2,070 | €2,475 |
| Age for pricing | Basic | Comfort | Premium |
|---|---|---|---|
| 0–24 | €320 | €529 | €550 |
| 25–29 | €390 | €660 | €715 |
| 30–34 | €435 | €720 | €810 |
| 35–39 | €435 | €720 | €810 |
| 40–44 | €500 | €785 | €840 |
| 45–49 | €625 | €895 | €945 |
| 50–54 | €720 | €1,000 | €1,120 |
| 55–59 | €860 | €1,380 | €1,500 |
| 60–64 | €1,180 | €1,740 | €1,840 |
| 65–69 | €1,470 | €2,262 | €2,780 |
| 70+ | €2,630 | €3,370 | €3,995 |
Rates for ages 65+ are for existing policyholders, not new applications. Premiums may change as you move into another age band. Use the calculator for other deductibles.
Before you apply
An open-ended maximum term is subject to continuing eligibility, the selected zone and acceptance conditions.
Health assessment & pre-existing conditions
A video health interview is required. Pre-existing conditions are assessed individually and may be accepted, subject to surcharges or exclusions, or declined.
Previous insurance & general waiting period
Previous health insurance is required and must have expired no more than 12 months before the new start date. A gap generally triggers a 31-day waiting period. Accidents after cover starts follow the policy terms.
Special waiting periods
Routine maternity care, dentures and orthodontics generally have a 10-month waiting period, with eligible accident exceptions. Premium vision correction such as LASIK has a waiting period of 2 full calendar years.
Start date, cancellation & changes
Cover can start up to 4 months after application. The minimum term is 12 months; afterwards, cancellation is generally possible at the end of the following month under the terms. Zone or plan changes may require a new health assessment.
Check your policy-defined home country (Heimatland)
The home country recorded in your application is determined by nationality or permanent residence rights. The current terms limit the extension of up to 180 days/calendar year to EU/Schengen home countries. Before visiting or living in China, confirm your home-country status, zone and written scope of cover.
Can I arrange future cover or suspend it later?
Ask about the separate Option Plan (AWV). Subject to its own eligibility, age and time limits, it allows advance health assessment for later activation or an eligible suspension. No Care Expat World medical benefits are payable during the option period.
How to apply
STU explains the plans and application process in English. The insurer decides on acceptance.
Check residence and previous cover
Have your date of birth, country of residence, home country, proposed start date and previous insurance details ready.
Choose your cover and apply
Select a zone, Basic/Comfort/Premium and an annual deductible, then complete the application.
Complete the video health interview
The product service provider arranges the assessment. Prepare your medical history and recent treatment records as requested.
Check your acceptance documents
Review the start date, premium, exclusions and waiting periods. A website enquiry or estimate does not activate cover.
Care Expat World FAQs
Is Care Expat World the same as Care Expatriate?
No. Care Expat World is a separate product with Basic, Comfort and Premium plans, a 12-month minimum term and no fixed maximum term. Its rates, benefits and application conditions must be checked separately.
Who qualifies for the €40/month starting rate?
The rate applies to age band 0–24, Zone 1, Basic, with a €3,600 calendar-year deductible. Basic with a €0 deductible is €130/month for the same age band and zone. Final premiums depend on acceptance conditions, including health assessment.
Can I apply if I am already abroad?
Yes, subject to residence, previous insurance, actual age at entry and health assessment. Previous cover must have expired no more than 12 months before the new start date. An insurance gap generally triggers a 31-day waiting period.
Can I use it while living long term in Germany?
The terms exclude stays in Germany exceeding 180 days per calendar year and people subject to German compulsory public health insurance. If you mainly live in Germany, check cover appropriate to your status first.
Are visits to China automatically covered for 180 days/year?
No. Zones 2 and 3 include China but do not remove home-country exclusions. The current German terms limit the 180-day home-country extension to EU/Schengen home countries. If your Heimatland is China, obtain written confirmation first.
How is age calculated, and can cover continue after 65?
Pricing uses the calendar year of cover minus your birth year. New applicants must be under 65 on the actual start date; confirm eligibility near the age limit. Rates for ages 65+ apply to existing policyholders. Turning 65 does not automatically end existing cover, but continuing eligibility is required.
Can I apply with a pre-existing condition?
Yes, for individual assessment through a video health interview. The insurer may accept cover, apply surcharges or exclusions, or decline the application.
Do all plans include dental and maternity care?
Basic excludes routine dental and maternity care. Comfort and Premium include relevant benefits, generally with a 10-month waiting period for routine maternity care, dentures and orthodontics. Orthodontics is limited to people under 20. Emergency complications and accident exceptions follow the terms.
Is the deductible charged for every treatment?
It is a cumulative calendar-year amount, not a fixed charge per visit. Choose €0, €1,200 or €3,600. The first year is prorated by full calendar months for a mid-year start. Certain covered preventive, vaccination and dental benefits are exempt; benefit limits still apply.
Does requesting a quote activate cover?
No. Complete the application, health interview, acceptance and payment requirements. Cover starts only in accordance with the insurer’s documents and start conditions.
Tell us about your plans abroad
Share your residence, home country, birth year, proposed start date and preferred cover. We can help check eligibility and premiums.
Provide detailed medical records and bank details only through the required formal application and health assessment channels.
English support
Ask the “Insurance support” AI chat widget on this website, or email our team.
Insurer: Barmenia Krankenversicherung AG
Administration and service: Care Concept AG
STU: English information and application support