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    Krankenversicherung für Expats

    Krankenversicherungen für im Ausland lebende Personen

    If you’re looking for expat insurance while working abroad, we have you covered.

    SAVE UP TO 20% - Limited time offer

    Save up to 20%* for the lifetime of your policy!*T&Cs apply

    Kostenloses Angebot einholen

    Depending on where you are in the world, healthcare might be expensive, difficult to access or unavailable publicly. Having peace of mind that you’re protected allows you to get on with your work safely and fully enjoy your new life in your destination country.

    If you’re looking for expat insurance, read on to discover how you can safeguard your health in such instances with Cigna Healthcare.

    What is expat health insurance?

    Expat insurance is a global cover that can protect you and your family wherever you go. It’s a perfect catch-all choice if you work abroad, whether that’s in a single destination for extended periods, or multiple nations.

    Worldwide cover, like expat insurance, makes it easier to navigate and understand the different levels and availability of healthcare between countries. There’s no registering with the local healthcare system or navigating cross-border medical care – just sign up to our expat insurance and you’re done.

    Making your move abroad stress -free

    What’s the difference between expat insurance and normal travel insurance?

    Conventional travel insurance

    Conventional travel insurance is usually suitable for short trips, like a business weekend or family holiday. This kind of cover offers immediate medical assistance, and then usually covers the costs associated with you returning to your home nation to continue treatment using your national health service.

    Krankenversicherungen für im ausland lebende personen

    Expat insurance has a level of permanence in that you can continue using it as you remain living in your chosen country. With expat insurance, you’re covered for full access to your host nation’s medical services, with no need to return home unless you want to.

    Is expat health insurance necessary?

    Insurance for expats is not a legal requirement in most countries.

    This doesn’t mean that it’s not hugely important. Using the local system without insurance could result in high charges. You can’t predict medical emergencies. Our medical coverage means you’ll be financially protected when it comes to healthcare charges.

    This is especially useful for those living abroad with families, a family expat insurance plan will cover the whole household. It’s intimidating enough moving away from home, but with Cigna Healthcare – you’re free to enjoy life as an expat without worrying about healthcare costs.

    The best countries for expat families
    Cigna Leaf

    The benefits of expat insurance for working abroad

    Worldwide expat insurance makes managing your healthcare on-the-go that much easier. If you live abroad or work in different nations for extended periods, give yourself peace of mind with a simple, one-stop health insurance plan that covers you wherever you go.

    Other potential benefits include:

    • Navigating healthcare options between multiple locations becomes easier to manage.
    • Be sure you can receive the best possible local healthcare, if the worst does happen and you require support.
    • Know what you’re paying – different nations have different charges. With international expat health insurance, you know that you’re covered ahead of time.

    What you should know before moving
    greenLeaf

    Wählen Sie Ihre internationale Krankenversicherung

    Loslegen

    Beantworten Sie ein paar Fragen und geben Sie Ihre persönlichen Daten ein, um loszulegen.

    Wählen Sie Ihre Versicherung

    Vergleichen Sie Versicherungspläne und finden Sie ein flexibles Paket, das Ihren Bedürfnissen entspricht.

    Sichern Sie sich ab

    Erhalten Sie noch heute Ihr Angebot und sichern Sie sich ab.

    Why choose Cigna Healthcare for international expat health insurance?

    • You can select the right plan for the right location.
    • Sie erhalten Zugang zu einem mehrsprachigen Service, der rund um die Uhr verfügbar ist.
    • At Cigna Healthcare, we have a network of 1,65 million hospitals and medical specialists, with options in over 200 countries.
    • So, wherever you start your new life abroad, you can guarantee that your health and wellbeing is in good hands with medical protection from Cigna Healthcare.

    Angebot noch heute einholen
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    Häufig gestellte Fragen
    Can I use my expat health insurance in any country?

    The coverage provided by your insurance cover will depend on your policy and destination. Some policies are country or region specific, while Worldwide cover offers more comprehensive cover for continental regions or the globe.

    Check your policy requirements before purchasing medical care through Cigna Healthcare to ensure it fits your needs.

         Do I need to disclose my medical history when applying for insurance for working abroad?

    Yes, you’ll need to let us know of any pre-existing medical conditions before applying for any insurance coverage. Pre-existing conditions include any disease, illness, injury or symptoms present before the start of the cover. The definition also includes conditions that you’ve sought medical care or advice for, or know about personally before the start of your medical coverage.

         Wie viel kostet eine Krankenversicherung für Expats bzw. im Ausland lebende Personen?

    Costs differ depending on the level of cover you need and your medical history. Many factors can affect the overall price of your medical coverage, like the country or countries you’ll be visiting. Your age, residential address and more can all alter the final price.

    © 2025 Cigna Healthcare. Alle Rechte vorbehalten.

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    *Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

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