Anwartschaft Insurance
Your Health Guarantee for the Future – Secure Your Current Health Status, Switch Later Without New Medical Underwriting
What is Anwartschaft Insurance?
Anwartschaft insurance is a strategic tool for expats who are currently covered by a basic plan but want to switch to comprehensive coverage later. It "freezes" your current health status – like an anchor that protects you from rising premiums due to new pre-existing conditions.
- Freeze Your Health Status: Your health condition is documented at the time of enrollment.
- Switch Later Without New Underwriting: When you move to comprehensive coverage, new pre-existing conditions are not considered.
- No Waiting Period: You can switch to comprehensive coverage at any time.
- Low Premiums: Anwartschaft costs only a fraction of comprehensive coverage.
- Flexible: No time limit – keep it as long as you want.
Who is Anwartschaft For?
Anwartschaft is ideal for expats in Thailand who:
- Are currently covered by a basic plan like Expat Smart Basic (pure accident and emergency cover)
- Want to switch to comprehensive coverage like Expat Infinity Premium later
- Want to protect themselves from rising premiums due to new pre-existing conditions
- Plan to return to Germany in a few years and want private insurance there
- Are healthy today but want to be prepared for the future
Markus (42) has been living in Hua Hin for 3 years and is insured with Expat Smart Basic. He is healthy but wants to prepare for the future. He takes out an Anwartschaft. Two years later, he develops a chronic illness. Despite this, he can switch to Expat Infinity without new medical underwriting – because his health status at the time of the Anwartschaft was frozen.
Requirements for Enrollment
- You must be healthy at the time of enrollment
- Health questions must be answered truthfully
- An existing comprehensive plan with BDAE is not mandatory, but recommended
- Enrollment is possible directly from abroad (no German residency required)
- The entire process runs digitally through the BDAE portal