Your employees come from other countries and are assigned to work in Germany as inpatriates (inpats)?
In this case, it is important to provide these employees with reliable and legally compliant health insurance coverage. The general compulsory insurance in Germany according to § 193 III VVG as well as your duty of care as an employer according to § 618 BGB, § 17 SGB V can lead to considerable cost and liability risks for your company.Complex requirements in Germany
The legal requirements for health insurance coverage for foreign employees in Germany are complex and can change rapidly over time as the duration of stay in Germany or the residence permits of the insured employees, or their family members change. Thus, an insurance policy that does not comply with these requirements exposes you and your employees to numerous liability risks.
Comprehensive protection for you and for your employees
Our special international tariffs „Hi.World“ provide comprehensive coverage for your foreign employees in Germany within the framework of a group insurance contract and protect you as an employer from incalculable financial risks.
Your advantages
Our international health insurance for inpats
Compare details of our international health insurance for inpats now
Available for employees with temporary (limited to 5 years)
and unlimited residence title.
and unlimited residence title.
Hi.Inpat XL
Available for employees with temporary (limited to 5 years)
and unlimited residence title.
and unlimited residence title.
Hi.Inpat M
Deductible
No deductible
€ 500 per adult and € 100 per child for out-patient treatments, medicines and dressings, alternative practitioner treatments
Inpatient accommodation
one-bed, two-bed or multi-bed room
multi-bed room
Out-patient and in-patient medical treatment
100 %
100 %
In-patient follow-up rehabilitation
100 %
100 %
Psychological and psychotherapeutic treatment
100 %
75 %, max. 50 sessions per year
Remedies/physiotherapyIncluding speech therapy, massage and ergotherapy
100 %
75 %
Alternative medicineAlternative practitioner, acupuncture (needle technique), homeopathy, osteopathy, TCM and chiropractic (including medicaments and dressings)
100 %
For treatments by an alternative
practitioner up to € 1,000 per year
Check-up examinations As per the statutory programs introduced in the Federal Republic of Germany
100 %
100 % up to the age of 18
Medical aids (incl. hearing aids)
100 %
75 %
Visual aids
100 % up to € 325 (every 2 years)
–
Pregnancy/delivery
100 %
100 %
Midwife service/delivery nurse
100 %
100 %
Artificial insemination
50 %
–
Dental treatmentGeneral prophylactic, preservative and surgical services, treatment of oral and orthodontic diseases, x-ray services and periodontal treatment
100 %
100 % for pain-relieving dental treatment up
to € 750 per person
Dentures Prosthetic dentures, crowns of all kind, bridges, dental splints, implants and repair of dentures, occlusal appliances, dental splints
80 % up to € 5.115 per person
accident-related, up to € 3.000 per person
Orthodontics
80 % up to € 5.115 per person
accident-related, up to € 3.000 per person
Rides and transport
100 %
100 %
Palliative care/hospice
100 %
100 %
Co-insurance of epidemics and diseases E.g., EHEC and Ebola (incl. follow-up maintenance)
100 %
100 %
Please note that the actual individual benefits are defined in the terms and conditions of insurance.
FAQ on international health insurance "Hi.World" for inpats and expats
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What do you have to bear in mind when sending employees abroad?
In addition to a large number of sending countries with different requirements and constantly increasing health care costs, there also are complex legal regulations – including, among others, a legally regulated duty of care on the part of the employer for employees and their family members abroad (§17 Social Security Act (SGB) V). This means: employers must cover all medical expenses incurred abroad. This also applies to family members who accompany the employee abroad.
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Who are the tariffs suitable for and who takes out the insurance?
The "Hi.World" international tariffs are aimed at companies whose employees are deployed abroad or come to Germany on business from a foreign branch office. Employers conclude the appropriate contract in the form of a group insurance contract. The company acts as policy holder and premium payer, while the employees and their dependents are persons insured.
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Is there a minimum number of persons?
With us, group insurance contracts for the coverage of employees abroad can be concluded for as few as 10 persons. However, other individual solutions are possible, too. Please contact us, we are happy to advise you. For short-term business trips of up to 365 days ("Hi.Traveller" tariff), there is no minimum required number of persons.
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Do the "Hi.World" international rates apply worldwide?
Yes, our "Hi.World" international rates are valid worldwide. Therefore, employees can be sent to all countries and are covered in the event of illness.
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Which companies can take out the "Hi.World" foreign tariffs?
In principle, all companies based in Germany can be policy holders. We are happy to advise you on further restrictions.
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What is the difference between expatriates and inpatriates?
Expatriates (expats) are persons who live or work in another country temporarily or for a longer period of time, yet without being naturalized. In this case, "Hi.Expat" would be the correct tariff. Inpatriates (Inpats) are persons who live or work in Germany temporarily or permanently, yet without naturalization. In this case, "Hi.Inpat" is the right tariff.