Your employees are assigned to work abroad as expatriates (expats)?
In this case, it is important to provide these employees with reliable and legally compliant health insurance coverage. Due to the statutory duty of care (§ 618 BGB, § 17 SGB V) you as an employer are liable for all treatment costs incurred during your employees‘ and their accompanying family members‘ stay abroad.
Protection of high residual costs
Your employees‘ statutory health insurance will reimburse only the treatment costs that would notionally have been incurred in Germany. High residual costs may therefore remain. So for example, an appendectomy performed in Germany will cost around € 3.000 to € 4.000, however, performed in Switzerland it costs around
€ 7.000 and in the U.S. even around € 13.000. In case of severe illness or costs caused by accidents, liability risks of the employer can quickly reach six-digit amounts thus becoming existential threats.
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 expat tariffs for international health insurance at a glance
Compare details of our international health insurance for expats now
Up to 365 days
Hi.Traveller
From 91 days
Hi.Expat
Annual limit insured
–
–
Out-patient and in-patient medical treatment
100 %
100 %
In-patient follow-up rehabilitation
100 %
100 %
Psychological and psychotherapeutic treatment
–
100 %
Remedies/physiotherapyIncluding speech therapy, massage and ergotherapy
100 %
100 %
Alternative medicineAlternative practitioner, acupuncture (needle technique), homeopathy, osteopathy, TCM and chiropractic (including medicaments and dressings)
100 %
100 %
Check-up examinationsAs per the statutory programs introduced in the Federal Republic of Germany
–
100 %
Medical aids (incl. hearing aids)
100 % (accident-related)
100 %
Visual aids
100 % up to € 325 (accident-related)
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 % up to € 750 per person
100 %
DenturesProsthetic dentures, crowns of all kind, bridges, dental splints, implants and repair of dentures, occlusal appliances, dental splints
80 % (accident-related)
80 %
Rides and transport
100 %
100 %
Palliative care/hospice
100 %
100 %
Co-insurance of epidemics and diseasesE.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.