Our own Health Insurance

The insurance benefits are structured on a modular base. Special benefits like ambulant care, dental,  vision or pregnancy can be chosen individually. Thus you only pay, what you really need, and get an attractive insurance premium

If you just want emergency care or rather a very broad protection – both is possible in our framework agreement. There are 5 different plans with different benefits and coverages

The framework agreement offers self-deductibles in several sums. From nothing up to 5000€/year you can individualize your protection. 

In all countries of the same category and lower you enjoy full protection during the year, in all other countries up to 3 months after entry. This makes premiums lower despite worldwide coverage

The insurance has an unlimited duration and the insurer is unable to cancel insurance because of a certain sickness or illness quota.

In global comparison, the insurer April offers insurance conditions of great quality characterized by high benefit thresholds, 100% refund for stationary services, payments above the general fee directives and clearly defined coverage agreements. A cancellation due to sickness is not possible.

Family members and children can be insured with the same plan. The 3rd and every further child do not need to pay extra.

Every health insurance has to regularly increase contributions due to higher life expectancy, inflation and increasing health costs. This can be up to 25% yearly in countries like Germany. Our insurer April has a very low volatility. Despite Covid-19, contributions only rose 4% in 2020. Among international health insurances this is very good. Our framework agreement further increases this stability.

Optionally you can choose certain assistance services. This can be things like flight cancellation our lost baggage refund insurance. Also an international liability insurance, a small accident insurance and a small law protection insurance are part of this.

Optionally you can choose to get a death benefit and daily sickness allowance insurance. The possible combi contract makes the contribution quite attractive.

Next to self-deductibles you can choose a refund reduction for ambulant services, dental care or pregnancy. You can choose to pay 10% or 20% of the costs yourself to lower premiums. Stationary care will always be covered 100%.

You can pay in both Euro and Dollar via wire transfer, credit card or paypal. For Euro payments also monthly direct debit is possible.

Efficient service in multiple languages is part of April insurance. They speak German, English, Spanish and French to competently help you with your requests. 

You can just take pictures of your invoices over a dedicated app and claim back your costs. April pays out to the mentioned bank account quickly.

You just need a correspondence address in any country, which can also be family members or friends. There is no permanent residence needed at all – perfect for perpetual travelers.

You can become member of our framework agreement regardless where you are in the world. You do not need to be in any country to get the deal. Please keep in mind that such kind of international insurance may not replace obligatory government insurances in certain countries. You are always free to complement other insurance with our framework agreement, though.

The insurance is open for all nationalities.

Only few countries like Afghanistan, Iran, Cuba,  Mali, Niger, North Korea, Pakistan and Syria are excluded from coverage. For Ukraine you have to request coverage with the insurance directly (western Ukraine is not an issue)

All cases in connection to COVID-19 are insured after a waiting time of 4 weeks. Confirmations for entry to certain countries will be issued by the insurer.

Repatriation in case of emergencies to the home country is included in any plan automatically.

Of course, you can calculate your own premium with a tool and directly close the insurance online after answering few health questions.