PREMIUM HEALTH INSURANCE SIMPLIFIED

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The final premium is subject to underwriting.

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COMPACT
COMFORT
PREMIUM
EDUCATION
max benefit p.a.
1,000,000€
3,500,000€
5,000,000€
inpatient treatment
accomodation
semi-private
semi-private
private
cancer
transplants
150,000€ lifetimes
250,000€ lifetimes
outpatient treatment
office visits
max 1,000€ p.a.
chronic conditions
imaging/diagnostics
maternity/newborn
childbirth/midwife
max 5,000€ per birth
max 25,000€ per birth
complications
max 100,000€ per birth
infertility
max 5,000€ lifetimes
wellness
health checks
max 200€ p.a.
max 1,000€ p.a.
vaccinations adult
max 100€ p.a.
max 500€ p.a.
vaccinations child
rehabilitation/nursing
inpatient rehab
max 30 days p.a.
max 30 days p.a.
home care
max 14 days p.a.
max 14 days p.a.
hospice
dental
pain relief
max 3,000€ p.a.
max 6,000€ p.a.
max 6,000€ p.a.
2 check-ups, fillings
surgery, dentures, implants, lab work
consumables
prescribed meds
max 500€ p.a.
max 50,000€ p.a.
max 50,000€ p.a.
hearing aids
5,000€ lifetimes
vision aids
max 300€ per 2 years
and many more ...

Get top-tier

Medical Care

Worldwide

A to Z Insurance for Expats
  • LIMITED TIME OFFER:
    KIDS FREE!
    Zero premium for kids - for the first three months!
  • Instant Coverage!
    Sign up today and get immediate protection.
  • Global Acceptance!
    Use your PassportCard worldwide without worrying about network limitations.
  • Direct Payment!
    Your PassportCard is directly linked to insurance funds for seamless transactions.
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You want reliable insurance with 365 days of direct coverage?
BUT most providers can't offer you that!
01
Strain
Paying out of your pockets for
medical services and ending up
with a financial burden and
disruption
02
Overdue
Tedious reimbursement and
claim processes that cause
payment delays
03
Restricted
Facing constraints on accessing
medical providers outside of the
insurer's restricted network
!

We Are Here to Change That!

Experience peace of mind while living abroad
Go Convenient
Direct payment system to seamlessly pay for medical services on the spot
Go Global
Freedom to access medical treatments in any country or location in the world
Go Flexible
Whatever your personal preference: from tailored networks to complete freedom of choice
Go Protected
Pay with insurance funds directly for medical treatments with top-tier reinsurance backing
Go Solutions
Affordable plans, round-the-clock telemedicine assistance, and paperless service
. . .

3 Quick Steps to get Your Personal Quotation:

It is so easy to use Your
XPAT-INSURANCE!

1
Select
Choose your medical service while we load funds onto your card / app
2
Pay
Use your card / app to make the payment for your medical service anywhere in the world
3
Complete
Upload your receipt to our app to complete the process
1
Select
Choose your medical service while we load funds onto your card / app
2
Pay
Use your card / app to make the payment for your medical service anywhere in the world
3
Complete
Upload your receipt to our app to complete the process
!
!

Welcome to Xpat-Insurance!

Your trusted partner in expat medical insurance.
We understand that moving to a new country can be both exciting and challenging, and one of the biggest challenges can be navigating a foreign healthcare system. That's why we created Xpat-Insurance - to provide expats worldwide with the peace of mind that comes with having access to quality healthcare.
... read more
We believe in personalized service, and we strive to provide each of our clients with a bespoke insurance solution that meets their unique needs. We are proud to partner with the world's strongest and most respected reinsurers to offer our clients security and protection.
Our product is designed to be simple and easy to use, with a payment card that links directly to your insurance funds. You can rest assured that you are covered in case of any medical necessities, and our 24/7 telemedical support is always available to answer any questions you may have.
We are dedicated to providing exceptional service and support to our clients, and we are committed to making the insurance process as smooth and stress-free as possible. 
“

Existing Members Know Why They are Members 

Time is money. That’s exactly why I love PassportCard. It's as easy as using a credit card, and I never have to worry about the administrative headaches of traditional health insurance. I can focus on my patients and clients instead of managing my own medical expenses. Plus, the attractive rates and paperless service make PassportCard a no-brainer for anyone looking for affordable and efficient health insurance.
Maria Eva P., 38
Occupation:
Psychiatrist
Origin:
Spain
Residing in:
Manama (Bahrain)
Karen A., 42
Occupation:
HR Director
Origin:
United Kingdom
Residing in:
United Kingdom
PassportCard has been a game-changer for our family. No more worrying about paying for medical expenses out of pocket or waiting for reimbursements. With PassportCard, we have the freedom to choose any healthcare provider we want. And the best part? It's as easy as using a credit card. We feel safe and secure knowing that we're backed by Allianz.
Michel H., 51
Occupation:
Entepreneur
Origin:
Lebanon
Residing in:
Shanghai (China)
As a world traveler, finding reliable health insurance has always been a challenge. But with PassportCard, I can travel the world with peace of mind. No more limited provider networks or complicated reimbursement processes. PassportCard allows me to pay for medical expenses directly with my insurance funds, anywhere in the world. Plus, the paperless service makes it easy to manage my coverage on-the-go.
Greg M., 38
Occupation:
Architect
Origin:
United States
Residing in:
Global (currently Asia)
I want to enjoy my golden years without worrying about unexpected medical expenses. PassportCard has made that possible for me. With direct payment by insurance, I never have to worry about paying out of pocket or waiting for reimbursements. Plus, the free choice of healthcare providers anywhere in the world gives me the flexibility to travel and still receive quality medical care. I highly recommend PassportCard for anyone looking for hassle-free health insurance.
Gisou K., 63
Occupation:
Retiree
Origin:
Iran
Residing in:
Dubai (UAE)
Alessia V., 24
Occupation:
International Student
Origin:
Italy
Residing in:
Singapore
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Frequently Asked Questions

01 What is Expat Medical Insurance?
Expat Medical Insurance provides health coverage for individuals living abroad, ensuring access to quality healthcare while offering peace of mind. It safeguards against unexpected medical expenses and ensures you receive proper care wherever you are in the world.
02 Do I need Expat Medical Insurance?
Yes, having Expat Medical Insurance is crucial for your well-being abroad. It provides financial protection against unforeseen medical costs and guarantees access to quality healthcare, promoting a worry-free expat experience.
03 What is covered by Expat Medical Insurance?
Expat Medical Insurance covers a range of medical expenses, including hospital stays, doctor visits, prescription medications, and emergency treatments. It’s a comprehensive solution tailored to meet the unique healthcare needs of expatriates. The details of coverage are determined by the Table of Benefits.
04 Do I need a new policy when changing location?
With xpat-insurance.com, you won’t. Our plans are designed to cover you wherever you go during the policy period. Ensure you update your new address to guarantee continuous and seamless coverage.
05 Am I covered when visiting my home country?
Yes, Expat Medical Insurance often includes coverage for visits to your home country (as well as other countries you travel to), ensuring you’re protected even when returning for a short stay. This feature adds an extra layer of security and flexibility to your coverage.
06 Can the insurance terminate my policy?
Your policy with xpat-insurance.com will never be terminated for medical reasons. However, your policy can be terminated under certain circumstances, including non-payment of premiums or fraudulent activities. It is particularly important to review and compare terms and conditions, as some providers preserve the right to terminate for medical reasons as well.
07 What is Co-Payment / Co-Insurance?
Co-Payment / Co-Insurance involves sharing costs between you and the insurance provider. It’s a percentage of the covered expenses that you pay, promoting a collaborative approach to managing healthcare expenses while lowering the insurance premiums.
08 What is the difference to Travel Insurance?
While both provide coverage for health-related incidents, Expat Medical Insurance is designed for those living abroad, offering more extensive and continuous coverage compared to the typically shorter-term focus of Travel Insurance. Xpat-insurance.com also offers an “in-between product”, extended travel insurance. This is especially designed for project-based stays abroad for up to 12 months and does not require a medical survey. If you have specific needs in this regard, simply speak to our team.
09 Can I use Expat Medical Insurance for pre-existing conditions?
Expat Medical Insurance may cover pre-existing conditions, but it is crucial to disclose them during the application process. Some plans may have waiting periods or specific conditions, so honesty is the key to ensure accurate coverage.
10 Can I continue ongoing treatments in other countries?
Yes, many Expat Medical Insurance plans allow you to continue ongoing treatments in other countries, providing seamless healthcare transitions. This feature is valuable for expatriates with existing health conditions requiring consistent care.

Protect Yourself and Your Family

with our comprehensive expat insurance solutions.