E.I.C. Expatriates Insurance Consulting

Our Services for Global Citizens

Insurance Solutions – Tailored on the Needs of Global Citizens.

Our Range of Services

All services provided by E.I.C. are completely tailored to the needs of our customers. While from here in Germany we advise our customers by phone, Skype, shared desktop and e-mail, also we travel regularly abroad in order to visit our clients and counsel them in person. This is the only way we can ensure that we remain informed about current developments in the countries of residence and can offer tailor-made coverage policies according to the local needs. Our depth knowledge of the social insurance policies of the countries of origin, as well as numerous special agreements and our own insurance solutions, enable us to ensure that even in the event of longterm activities abroad, no entitlements to social insurances get lost in the shuffle and/or can be replaced and supplemented by private insurances. We regularly hold workshops on these topics, offering you the opportunity to find out all you need to know about the requirements for adequate coverage.

Term Life Insurance

Liability Insurance

Accident Insurance

Health Insurance

Occupational Disability Insurance

Old Age Provision

Our History

Experience since the 1970s

Merger with the Milkereit Group in 2018

Our Team

Detlef Milkereit

President

米德礼

Alexander Milkereit

Vice President

米亚山

Tim Penopp

Head of Sales

Annika Rosellen

Head of Support

FAQ’s for Expats

Welcome to your new Workplace!

You have taken the plunge and now you face the challenges of your new job abroad. Whether you find yourself in Asia, America or Australia, we know the huge challenge that a new life abroad brings. In addition to looking for a school and a flat, you need to find out which changes affect the employment contract and what consequences the move will have on your taxes.
The crucial question is how best to protect yourself from the greatest risks abroad and beyond. Health and performance are the most important things – especially when projects depend heavily on one‘s own person. If you should fall ill, it is even more important to know that you will get the best possible care, no matter where you are. But even the cultural and legal peculiarities of your new host country can quickly become major challenges. With our many years of experience and close contact with our partners, we – EIC Expatriates Insurance Consulting – provide tailor-made advice and will be happy to guide you on your journey. Our service includes ongoing consultation on all security issues, support in the event of damage, and the adjustment of your insurance coverage to new circumstances.
In addition to our regular trips to offer consultations on site, where we are always […] available for personal discussions, we can offer advice on all communication channels.

Health Care
Accident Insurance
Occupational Disability Insurance
Private Liabilty Insurance
Other Coverage

Health Care

Indispensable for any longer stay abroad is an international health insurance with comprehensive coverage. The tariffs offered on the market vary strongly and differ significantly in what they cover. You might already be familiar with European health insurance systems, with nationwide access to doctors, hospitals and rehab facilities, as well as (almost) complete insurance coverage with no limits on insured sums. Naturally, one does not want to give up this standard. For this reason, we attach great importance to the fact that the health insurance concepts offered by us correspond to the European and above all to the German standard. Therefore, to be able to distinguish high-quality protection from mediocre and patchy protection, you should consider each offer for the following:

• No aggregate limit on insurance benefits
• 24-hour worldwide assistance services
• Waiver of waiting times
• Free choice of doctor and hospital
• Direct Billing

Accident Insurance

The risk of having an accident is unfortunately always present, but in big cities like Shanghai, Delhi or Bangkok with thousands of road
users the danger is even greater. That makes having protection suitable for the personal life situation all the wiser. Here, too, it should first be verified whether a contract already exists and whether it also covers long-term stays abroad. You should also check if there is already a group contract through your employer that you can join at a discounted rate. To find adequate coverage, the following questions must first be clarified:
Are you abroad on your own or with your family? How long will you be abroad? How high should disability and death benefits be? Which assistance services do you need?

Occupational Disability Insurance

In Germany, approximately 1.8 million people receive a disability pension from the statutory pension insurance. But even this limited protection is usually lost during the stay abroad. Your ability to work is the basis for the livelihood of you and your family. Private occupational disability insurance offers comprehensive protection. The services are usually […] provided worldwide. The pension amount and the final age can be adapted to personal needs and personal life planning.

Private Liabilty Insurance

Liability claims can quickly trigger significant burdens. Insurance contracts that were set up back in your home country often have very limited coverage abroad. Often the „worldwide“ coverage is limited to only a few years abroad or may even expire completely when relocating from your home country. That makes it advisable to inform the previous insurance company of stays abroad and to have the insurance coverage confirmed during this time. If this is not possible, we can work with our partners to find solutions for you. Corresponding confirmations should also be obtained for other contracts such as accident, occupational disability, or legal expenses insurance, etc.

Other Coverage

Basically, which risks should be covered depends on the personal living conditions. In addition to the insurances mentioned, which form the basis of our own coverage concept, topics such as legal protection, pensions, etc. can also matter to you. Whether you have travelled abroad alone or with your family, whether you have certain hobbies or property that needs to be secured, always plays a role. Let us work together to design your tailor-made coverage concept in a personal conversation.

Health Insurance

For international health insurance, we have set-up cooperations with numerous renowned insurance companies. With our group and framework contracts, we offer exclusive services and conditions. For us, however, the focus is on tailored, high-quality and comprehensive insurance protection for you and your relatives. With our offers you can always rely on the following services:

  • Waive of annual limits
  • Freedom of choice for treating doctors and hospitals
  • Co-insurance of Spouses and children possible
  • Insurance coverage valid worldwide, as well for stopovers in the home country or travels to the US.
  • Direct billing option for costly treatments and inpatient hospital stays
  • Unlimited validity (standard and top-tariffs)
  • Comprehensive coverage for outpatient and inpatient treatment, return transport to your home country for serious illnesses, dental treatment and replacement (standard- and top-tariffs) as well as pregnancy and childbirth (top tariffs)

Our Tariffs

General Provisions
Outpatient Treatment
Inpatient Treatment
Dental Treatment
Assistance
General Provisions
TARIFFBASISSTANDARDTOP
territorial validityworldwide or worldwide excluding USAworldwide or worldwide excluding USAworldwide or worldwide excluding USA
time limitationpartly restricted up to 5-9 yearsunlimitedunlimited
Outpatient Treatment
TARIFFBASISSTANDARDTOP
Medical treatment100%100%100%
Freedom of choice for doctors' and hospitalsyesyesyes
prescribed drugs and dressings100%100%100%
Vision aidsnot coveredat least up to 150 EURat least up to 250 EUR
Vaccinationsnot coveredup to 250 EUR100% of recommend vaccinations for the country of residence
Preventive care, check-upsnot coveredat least up to 250 EURat least up to 500 EUR
Pregnancy, delivery and preventive care related to pregnancynot coveredat least up to 5.000 EUR, partly waiting times applyat least up to 20.000 EUR, partly waiting times apply
life-saving therapeutic aids and appliances100%100%100%
artificial limbs/prostheses and other therapeutic aids and appliancesnot coveredat least up to 1.000 EURat least up to 1.000 EUR
Therapies/physiotherapy, including massages100%100%100%
Psychiatric treatmentup to 1.000 EUR , partly waiting times applyup to 5.000 EUR , partly waiting times apply100%, partly waiting time apply, restricted number of sessions
Inpatient Treatment
TARIFFBASISSTANDARDTOP
INPATIENT TREATMENT
Medical treatment100%100%100%
Freedom of choice for doctors' and hospitalsyesyesyes
private or semi-private room accomodationyesyesyes
Pregnancy, delivery and preventive care related to pregnancynot coveredat least up to 5.000 EUR, partly waiting times applyat least up to 20.000 EUR, partly waiting times apply
Inpatient follow-up rehabilitationonly partly coveredat least 14 daysat least 21 days
life-saving therapeutic aids and appliances100%100%100%
artificial limbs/prostheses and other therapeutic aids and appliancesnot coveredat least up to 1.000 EURat least up to 1.000 EUR
Dental Treatment
TARIFFBASISSTANDARDTOP
DENTAL TREAMTENTS
Pain relief treatment100%100%100%
Further dental treatmentsnot covered100%100%
Dental Check-Ups and Prophylaxisnot coveredat least 2 check-ups per yearat least 2 check-ups per year
Denturesnot covered (-partly covered if necessary due to an accident)at least up to 2.000 EURat least up to 5.000 EUR or 80% without limitation
Kieferorthopädienot coveredat least up to 2.000 EURat least up to 5.000 EUR or 80% without limitation
Assistance
TARIFFBASISSTANDARDTOP
Medical evacuation and repatriation100%100%100%
Medical Support (Second Opinion, suggestions for multilingual doctors, etc.)100%100%100%
Direct billingfor inpatient treatments - partly for outpatient treatmentsfor inpatient treatments - partly for outpatient treatmentsfor inpatient treatments - partly for outpatient treatments

FAQ’s for Impats

Welcome to Germany!

First of all we would like to welcome you to Germany and we hope you will enjoy your time here. We know that moving to a foreign country is a huge challenge – but we are convinced that it pays off. Getting to know a new culture and new and exiting personalities will broaden your horizon and let you gain new experiences. Your host country – Germany – is a well-organized, modern country with a rich historical heritage and great regional diversity.

Still, some aspects of German life might seem to be confusing or even weird to you. For these cases it is helpful to have a domestic guide on your side, helping you to get along with these weirdnesses. For all insurance questions we would like to gladly offer our services as your personal guide.

We – E.I.C. Expatriate Insurance Consulting – are an independent insurance broker with many years of experience in serving international clients. We are offering taylor made solutions in almost any insurance area fitting to your and maybe your families personal needs. Our service comprises the whole quotation and contracting process as well as claims handling and ongoing advice at all stages of life.

I am confused by the German Health Care system. I simply want to obtain a reasonable and comprehensive coverage.
My German collegues told me that having a „Haftpflichtversicherung“ is quite an important thing in Germany. Still I do not know what it covers and where to find a suitable insurance plan.
I want to be protected against burglary and other hazards to my personal property.
I have read that in Germany many insurances exist and I am confused which are really necessary for me.

I am confused by the German Health Care system. I simply want to obtain a reasonable and comprehensive coverage.

Germany has an excellent healthcare system, offering state-of-the-art treatments, great access to doctors, specialists, dentists and hospitals as well as a mandatory health insurance system with comprehensive coverage.

On the other hand, even for Germans, finding a suitable health insurance provider is a complicated task. More than 100 public health insurance funds are accessable in Germany and if you match certain criteria you even have the option to opt out of the public health insurance system and join the private health insurance – offered by again more than 30 private health insurance companies.

Anyway don’t worry. Although our experience shows that finding the perfect matching health insurance is a challenging and very individual task. We will be on your side with deciding which health insurance system – public or private – fits best to your personal needs and future plans as well as with choosing the ideal provider and tariff for you.

My German collegues told me that having a „Haftpflichtversicherung“ is quite an important thing in Germany. Still I do not know what it covers and where to find a suitable insurance plan.

Liability Insurances are a big issue in Germany. German law states an unlimited liability for damages you accidentally cause to others. The liability insurances are your protective shield for these cases, they fight back unjustified claims raised against you (or your dependants) and will pay for justified claims, even if the claim for damages is in the millions of dollar or euro.

For certain areas, e.g. for car or dog owners, liability insurance is even mandatory by law, for all the rest a personal liability insurance is at least strongly adviseable.

We had negotiated special conditions for expatriates and can offer comprehensive and reasonable coverages as well as full English speaking support for contracting and of course claims handling.

I want to be protected against burglary and other hazards to my personal property.

Being insured for your health expences and liability cases is already half the battle. Beyond this, protecting your personal belongings is likewise important. This coverage can be obtained by a household insurance, covering certain risks (fire, piped water, storm, burglary) or even providing a comprehensive all-risk coverage for all your belongings.

As well in this area we are able to offer reasonable coverages and a full comprehensive service including claims handling and adjusting the coverage according to changed needs or personal situations.

I have read that in Germany many insurances exist and I am confused which are really necessary for me.

Some people say that Germans are a bit crazy on their insurances and would even buy an insurance against being not insured. This has some basis in truth. The German insurance market indeed offers a bunch of insurances for many certain risks. Which coverages are advisable for you depends on your personal situation, do you have a family or not, do you have special hobbies or own especially touchy or valuable property?

We will assist you with finding out if there is any additional and reasonable coverage for you and will of course tell you if a certain coverage is not worth the money. We can assist you with finding all types of insurance which can help you. We would be glad if we could become your personal insurance guide!

News

Group contract developed further

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News_englishThe E.I.C. was able to take an important step in the further development of the group contract to secure health insurance abroad – together with the German-Chinese chambers of commerce.…

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