A high-performance international health insurance is indispensable for every longer stay abroad.
The tariffs offered on the market are diverse and differ significantly in many performance points. You are already familiar with the excellent German health insurance system, with nationwide access to doctors, hospitals and rehabilitation facilities, as well as (almost) complete insurance coverage without limits on sums insured.
on insurance sums. Naturally, one would 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 the German standard. Therefore, you should check each offer for the following features in order to be able to distinguish a high-quality from a mediocre and incomplete protection:

– No sum limit of the insurance benefits
– 24 hours worldwide assistance services
– Waiver of waiting periods
– Free choice of doctor and hospital
– Direct billing

Unfortunately, the risk of suffering an accident is always present, but in big cities like Shanghai, Delhi or Bangkok with thousands and thousands of road users, the danger is even greater. It is therefore all the better to have a suitable insurance policy for your personal life situation. Here, too, you should first check whether you already have a policy and whether it will cover long-term stays abroad. You should also check whether
a group contract already exists through your employer, which you can join at preferential conditions.
The following questions must be clarified in order to find adequate protection: Are you alone or with family abroad? How long will you be abroad? How high should disability and death benefits be? Which
assistance services do you need?

Claims can quickly trigger considerable burdens. Insurance contracts that were still set up in Germany are often only valid to a very limited extent outside Europe. Frequently, “worldwide” coverage is limited to only a few years abroad or even expires completely when the residence is moved out of Germany or the European region. Therefore, it is advisable to inform the previous insurance company in the case of stays abroad
and to have the insurance coverage confirmed during this time. If this is not possible, we can find solutions for you with our partners. A corresponding confirmation should also be obtained for other contracts, such as accident, occupational disability or legal expenses insurance.

In Germany, around 1.8 million people receive a disability pension from the statutory pension insurance scheme. But even this limited protection is usually lost in the course of your stay abroad. Yet your working capacity is the basis for the livelihood of you and your family. Private occupational disability insurance offers you comprehensive protection. The benefits are usually also provided worldwide.
provided. The pension amount and the final age can be adjusted to your personal needs and life planning.