Anwartschaft Insurance
Your health guarantee for the future – secure your health status now, switch later without a new check
What is an Anwartschaft Insurance?
An Anwartschaft insurance is a strategic tool for expats who currently use basic coverage but want to keep all options open for the future. It "freezes" your current state of health – like an anchor that protects you from risk surcharges or rejections due to pre-existing conditions that arise later.
- Freeze health status: Your health status is documented at the time of signing.
- Later switch without new check: When switching to full coverage, illnesses that occurred in the meantime are not taken into account.
- No waiting periods: Switching to full insurance coverage is possible at any time.
- Low premiums: An Anwartschaft costs only a small fraction of the regular rate.
- Flexible: No time limit – keep the Anwartschaft as long as needed.
Who is the Anwartschaft Suitable For?
An Anwartschaft is ideal for expats in Thailand who:
- Currently use a basic plan such as Expat Smart Basic (pure accident and emergency coverage)
- Later want to switch to a comprehensive plan such as Expat Infinity Premium
- Want to protect themselves from age-related pre-existing conditions and premium surcharges
- Plan a later return to Germany or a switch to private health insurance
- Are healthy today and want to preserve this state for the future in a legally secure way
Markus (42) has lived in Hua Hin for 3 years and is insured through Expat Smart. He is healthy but takes out an Anwartschaft as a precaution. Two years later, he develops a chronic illness. Despite the new diagnosis, he can switch to the full Expat Infinity coverage without a health check – because his health status from the year the Anwartschaft was taken out is decisive.
Requirements for Signing Up
- You must be healthy at the time of application
- The health questions must be answered truthfully
- An existing BDAE plan is not mandatory, but recommended
- Signing up is possible directly from abroad (no residence in Germany required)
- Processing takes place entirely digitally via the BDAE portal