Premium
Maximum coverage for complete peace of mind. Private hospital rooms, unlimited alternative medicine, personal health advisor, and zero deductible.
What's included
Outpatient Care (100%)
Full coverage for all doctor visits and specialist consultations — zero out-of-pocket costs.
Private Hospital Rooms
Single or double room with chief physician treatment during hospital stays.
Comprehensive Dental
Full dental coverage including implants, orthodontics, and cosmetic dentistry up to €2,000/year.
Vision — €250/year
Generous budget for premium glasses, contact lenses, or LASIK contribution.
Unlimited Alternative Medicine
No cap on acupuncture, osteopathy, traditional Chinese medicine, and more.
Personal Health Advisor
A dedicated advisor who speaks your language and handles all insurance questions.
Priority Support
Skip the queue — direct phone line and 4-hour response guarantee on all inquiries.
Zero Deductible
No deductible. We cover everything from the first euro.
Compare coverage
| Benefit | Basic | Comfort | Premium |
|---|---|---|---|
| Outpatient treatment | 80% | 90% | 100% |
| Hospital stays | ✓ | ✓ | ✓ (private room) |
| Dental care | Basic | Extended | Comprehensive |
| Prescription drugs | ✓ | ✓ | ✓ |
| Vision (glasses/contacts) | — | €100/year | €250/year |
| Alternative medicine | — | €500/year | Unlimited |
| Repatriation | ✓ | ✓ | ✓ |
| Deductible | €500 | €250 | €0 |
Perfect for you if...
Long-term in Germany for a 4-year PhD. Wants premium care with no compromises and a personal advisor.
Doing a 2-year MBA. Used to comprehensive coverage from the US and expects the same quality in Germany.
Health is your priority. You don't want to think about deductibles or coverage limits — ever.
Customize your coverage
Covers damage you accidentally cause to others — up to €3 million. Essential for renting an apartment in Germany.
Extended dental coverage including orthodontics, implants, and professional cleaning twice a year.
Worldwide coverage for trips outside Germany, including emergency treatment and medical evacuation.
Frequently asked questions
100% outpatient coverage (vs 90%), private hospital rooms, unlimited alternative medicine, €0 deductible, a personal advisor, and priority support.
If you visit doctors regularly, value private hospital rooms, or want zero out-of-pocket costs, Premium pays for itself quickly. The €0 deductible alone saves you €250/year vs Comfort.
You get a dedicated contact person who speaks your language. They handle claims, find specialists, and answer all insurance questions — by phone, email, or chat.
Everything: check-ups, fillings, crowns, implants, orthodontics, and cosmetic procedures up to €2,000/year. No waiting period for basic dental.
Yes, you have free choice of any doctor, specialist, or hospital in Germany — including private practices and clinics.
No minimum period. You can cancel with 30 days notice at any time.
We contribute up to €250 towards laser eye surgery from your annual vision budget.
Yes, you can switch to Comfort or Basic at any time with 30 days notice.