If you go abroad to study or to work as a trainee, you will most likely not be in the position to afford expensive covers. However, classical comprehensive health insurance products are usually comparably expensive and would put quite some pressure on relatively small budgets. EXPAT ACADEMIC enables you to satisfactorily balance a solid cover with a moderate premium.
Benefits & Modules
Expat Academic Basis |
Expat Academic Standard |
Expat Academic Premium |
|
Outpatient and inpatient Treatment | 100% | 100% | 100% |
Remedies per year | 250 Euro | 500 Euro | 750 Euro |
Prescribed pharmaceuticals and materials | 100% | 100% | 100% |
Dental Treatment per year | up to 250 Euro | up to 500 Euro | up to 900 Euro |
Tooth Replacement: 50% under consideration of the tooth scale limits and after the expiry of waiting periods | up to 500 Euro | up to 500 Euro | up to 1,000 Euro |
Maternity and Childbirth | 100% | 100% | 100% |
Medical Aids required due to an accident per year | up to 250 Euro | up to 500 Euro | up to 750 Euro |
Repatriation of mortal remains | up to 30,000 Euro | up to 30,000 Euro | up to 30,000 Euro |
monthly premium
EXPAT ACADEMIC BASIS |
EXPAT ACADEMIC STANDARD |
EXPAT ACADEMIC PREMIUM |
|
worldwide excl. USA/Canada | |||
Month 1-12 | 25 Euro | 31 Euro | 48 Euro |
Month 13-36 | 45 Euro | 53 Euro | 63 Euro |
worldwide incl. USA/Canada | |||
Month 1-12 | 38 Euro | 45 Euro | 65 Euro |
Month 13-36 | 67 Euro | 75 Euro | 85 Euro |
Product Information
- Insurance cover for private individuals who stay abroad for educational/vocational training purposes
- Worldwide vadility
- 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
not included in insurance cover
Openness and transparency are values the BDAE GROUP promotes in its daily business. These values are a precondition for trust. Therefore you will find below the most important exclusions from our insurance cover. Please refer to the Terms and Conditions Part I and II for elaborate benefit details.
- Medical conditions which arose or existed prior to the insurance cover or during the waiting period
- Damages resulting from strike, civil disturbance, acts of war, nuclear energy and governmental interventions
- Treatments resulting from events due to the participation in a non-tourist expedition
- Treatments that are wilfully caused by the insured person
- Preventive medical checkup