The European Health Insurance
The European Health Insurances - briefly and concisely presented:
Due to the limited scope of application to the European economic area, the premiums for our customers are much more favourable than for a worldwide insurance cover of an international health insurance.
Option right - you can adjust your insurance cover annually to your personal situation, reduce or increase the benefits. To do this, you can also extend the scope of your health insurance worldwide.
flexible payment method: monthly to yearly, by direct debit (Sepa), credit type or bank transfer
For whom is a European health insurance suitable?
- No price risk
- Money back guarantee
- Cheapest provider
- For more than 20 years
- Experienced experts
- Free advice
- No gag contracts
- Experienced partners
- Individual adaptation
You can rely on our lowest prices.
If you find your health insurance on another website cheaper, we will refund you the difference!
What are the advantages of European health insurance?
What benefits do European health insurance plans offer?
What are the disadvantages of European health insurance?
Unfortunately, there are also drawbacks. Of course, you must pay your health insurance contributions on time at the agreed payment interval. European health insurance only pays if the contributions are paid on time. German health insurance companies are obliged to pay in advance even if the contributions have not been paid for one or two months, for example. The German health insurers would then repeat the money from the customer afterwards.
European health insurance would never go into advance payment if the contributions were not paid as agreed in accordance with the terms of the contract. If a customer has not made the payments no later than 7 days after the agreed start of the contract, the insurer can unilaterally withdraw from the contract without giving any further reasons according to AVBs (general insurance conditions).
Pre-existing conditions, which are “non-chronic” are excluded from insurance cover for 2 years. If you do not have any complaints regarding this condition during these 2 years and do not go to the doctor, you will be entitled to full insurance cover again in the third year (moratorium rule). If you do not wish to have a contract with the exclusion of such pre-existing conditions, an individual risk supplement can also be requested from the respective insurer. Chronic pre-existing conditions are generally excluded from insurance cover. Chronic pre-existing conditions include, but are not limited to, cancer, herniated discs, high blood pressure, diabetes, asthma, allergies, thyroid disease, mental or emotional disorders. Ongoing treatments are also always excluded from insurance cover. Existing pregnancies can be requested individually.
Personal advice is always required here.
The advantage compared to a German health insurance is that chronic diseases do not generally lead to a rejection, but often only the clinical picture and the resulting consequences are excluded.
All other diseases can be insured as normal. In Germany, chronic pre-existing conditions would usually forcefully lead to a complete rejection of the entire application. For certain chronic diseases, a risk supplement can also be included in a European health insurance scheme, so that the clinical picture can be insured as normal. To give an example, this is often possible in case of high blood pressure or an operated herniated disc.
For this purpose, please talk to one of our consultants, who will be happy to offer you an individual offer after personal clarification of your health information.
If you live and work in Germany, are chronically ill and are uninsured, you should always look for the way to german statutory health insurance. Here there are solutions and chances to cover your existing medical condition through a German statutory health insurance.
Together with you, we will be happy to examine the possibilities of returning to the German insurance system, taking into account your existing medical picture without any penalty.
Long-term care insurance, do I need it at all abroad or in Germany?
In line with a European health insurance, you can choose suitable additional services for the existing outpatient and inpatient health insurance services according to your wishes and wishes.
In addition to health insurance, the most important component is to provide private long-term care insurance for every person.
The long-term care insurance insures them worldwide against the risks of needing care. Long-term care insurance should not only be taken out in Germany, but above all abroad.
If you are in need of care due to serious illness or an accident, it is imperative that you protect yourself against this risk. Needing care does not necessarily have anything to do with the elderly and a nursing home, but often arises only temporarily for several months or years after surgery, cancer treatment or a car accident.
In addition, one should always make sure to take out a long-term care insurance as soon as possible, so that one is still healthy, in order to avoid risk surcharges or complete rejections of the insurance coverage.
Once you are ill and in an ongoing treatment, the way to a private long-term care insurance is usually blocked forever and you have to cope with the costs from your treatment from your own reserves.
Back to the German medical system. If you want to.
After 12 months of membership in an EU-KV you have the possibility to return to the German statutory or private health insurance via our framework agreements and this WITHOUT penalty.
We will find the right solution for you:
Dental cover, what do European health insurers provide?
European health insurance companies usually only provide health insurance in the outpatient and inpatient areas, depending on the tariff chosen. Only the premium or top variants often offer insurance cover in the field of dental care, dental treatment and dentures. However, many EEA insurers do not cover implants, or only to a very limited extent. Unfortunately, the benefits are often so limited that you would have to pay a large part of the costs incurred on your own.
In addition, the monthly premiums for dental protection are set so high by insurers that it is often hardly financially worthwhile to cover them through European health insurance.
We offer you suitable product solutions here, with which you can add an additional dental module to the existing benefits of your European private health insurance, which provides benefits if required and is affordable.
Our customers trust us.
We analyse the entire market of available companies for you
A European or International Health Insurance is a private health insurance with domicile in the European foreign country. These health insurances are significantly cheaper than German private health insurances and therefore a real alternative for all those who cannot or do not want to insure themselves in the German system, e.g. because you want to move around the world as a digital nomad or on sabbatical. The contract is concluded in an uncomplicated manner without health and credit checks and in many cases enables the subsequent return to the German insurance system.
Contributions to the European Health Insurance Scheme are calculated solely on the basis of age. The contribution rates are significantly lower than those of a German private health insurance. For a 25 year old, health insurance is already possible from 62.00 euros per month.
The European Health Insurance Schemes offer different geographical areas of cover. It is also possible to choose worldwide insurance cover. So you can roughly determine the included areas yourself, with some insurances individual countries are excluded, e.g. due to current crisis situations.
As things stand, all European health insurance policies will continue to apply unchanged after Brexit. Although the insurers are generally British, the decisive factor is the respective reinsurers, who continue to be subject to EU law without exception.
European Health Insurance does not include long-term care insurance. However, it is possible to take out supplementary daily nursing allowance insurance via special solutions. This supplementary insurance is strongly recommended in order to be covered in the event of long-term care. Since a nursing case has nothing to do with age, but can also occur as a result of an accident, young people should also definitely take out this insurance.