Health Insurance Plus

Health Insurance Plus with Expatrio

We know that choosing the right health insurance provider can be quite cumbersome. As Germany has different systems you might want to read more in our dedicated section about Health Insurance.

Expatrio is working with the best providers. In our Health Insurance Plus package we are working with Techniker Krankenkasse (Public Health Insurance) and with DR-WALTER (Incoming Health Insurance) - both are, of course, accepted & approved by the German Federal Foreign Office for your visa process and university enrollment.

Health Insurance Plus package includes:

• Germany's best Public Health Insurance*
• Free Incoming Insurance*

In addition to that you will benefit from:

• Free Current Account*
• Free DeGis membership*
• Free DeGiS Insurance bundle*
• Free Repatriation Insurance*
• Free International Student Identity Card (ISIC)*

Expatrio has developed a customer individual exploration that tells you exactly what you need at a certain point in time. You will only pay for what you really need.

Just to give you an example, how complex the situation can get, but how easy the solution with Expatrio is:

1. Situation: You are based in Mexico and you get your admission to Mannheim University. After you have checked with the German Embassy you know that you need a Blocked Account and an Incoming Insurance to get your visa. From Mannheim University you know that you need a Public Health Insurance for your enrolment. Problem: you don't know the exact day of your arrival to Germany, nor when your university will start, so how can you still conclude the right products without being uninsured or paying too much?
2. Solution: You apply for a Blocked Account and the Combined Health Insurance package with Expatrio. The Combined Health Insurance can be concluded even if you do not know the exact days of your arrival and the start of your university program. After application we will send you your Insurance certificates and once you know all your details, you simply let us know or you adjust it yourself in your Expatrio Log-in portal. Everything will work automatically and even more important: tailor-made to your individual situation.

Footnotes:

* Based on the quantity and quality of customer reviews on Google Reviews, Facebook Reviews and Trustpilot Reviews.

* Please refer to the STCHIP for further information on the Special Terms and Conditions for the Health Insurance Plus Package.

* Compared to purchasing the products and services included in the Value package stand-alone as indicated in the respective areas respectively footnotes and the STCHIP, calculation including the Voucher Code promotion.

* Techniker Krankenkasse has been awarded as the best German statutory health insurance fund (public health insurance) by the renowned Focus-Money (07/19) health insurer test for the thirteenth time in a row.

* Monese Current Account: The “Plus Plan” will be free of charge for the first 12 months (usually €4.95 per month).

* DR-WALTER Incoming Insurance: Valid for 180 days after arrival. First 31 days for free (usually €33).

* Calculation: difference in the Health Insurance premiums of DAK as compared to Techniker Krankenkasse (“TK”) on an annual basis (< 23 years or >23 with children: DAK €109.89 monthly, €1,318.68 p.a.; TK €103.94 monthly, €1,247.28 p.a.) // >23 years, no children: DAK €111.75 monthly, €1,341.00 p.a.; TK €105.80 monthly, €1,269.60 p.a.). In both cases, the TK premiums are €71.40 cheaper as compared to DAK. Please consider this calculation as an example and be advised that not only the price can vary but also the coverage. For more information, you can refer to our partner krankenkassen.de.

* Deutsche Gesellschaft internationaler Studierender (DeGiS): Lifelong free membership (usually €120 per year, see degis.info), including DeGiS group insurance bundle, covered by ONE Versicherung AG, in the first year after activation, cancelled automatically (usually €117).

* Expatrio Repatriation group insurance: repatriation in case of death, covered by Element Insurance AG, in the first year after activation, cancelled automatically (usually €13.80).

* ISIC card: In the first year after activation, cancelled automatically (usually €15).