Expat Smart – Overseas Health Insurance
The specialized tariff for long-term stays in Thailand – inpatient, outpatient, dental treatment, repatriation included.
Why Expat Smart is the Perfect Choice
A long-term stay abroad requires first-class and reliable health protection. The Expat Smart tariff from the renowned provider BDAE has been specifically developed to meet the needs of expats, digital nomads, and retirees in Thailand.
Your Benefits
- Visa-compliant: Meets all official requirements for long-term visas in Thailand.
- Comprehensive coverage: Covers outpatient and inpatient treatments as well as necessary surgeries.
- Flexible terms: Perfectly tailored for stays from several months up to permanent residency.
- Digital processing: Fast application review and straightforward submission of medical bills.
Validity Period
- For stays from 3 months up to 5 years
- Extension possible upon request
- Worldwide protection – with a focus on Thailand
- No German residency required
Expat Smart Tariff Comparison
Choose the right protection for your needs – from basic coverage to premium protection.
| Benefit Criteria | 🛡️ Expat Smart Basic Accident Cover Only |
🩺 Expat Smart Classic Emergency & Accident Cover |
⭐ Expat Smart Premium Comprehensive All-Round Cover |
|---|---|---|---|
| Dental Treatment | Only in case of accidents (100%) | Pain-relieving treatment & repair of existing dental prostheses (100%) | Pain-relieving treatment & repair of existing dental prostheses (100%) |
| Dental Prostheses & Orthodontics | ❌ Not covered | ❌ Not covered | ✅ Covered (80% after waiting period) |
| Medicines, Dressings & Remedies | Only for accident consequences (100%) | For accidents & acute medical emergencies (100%) | ✅ 100% reimbursement (medically necessary treatments) |
| Preventive Screenings | ❌ Not covered | ❌ Not covered | ✅ Included (check-ups, cancer screening) |
| Medical Aids & Appliances | Only accident-related (e.g., crutches) | Accident-related / life-sustaining | ✅ Comprehensively covered (e.g., vision aids, wheelchairs) |
| Medical Transports & Repatriation | Evacuation to next hospital. Repatriation strictly limited. | Repatriation 100% covered (if medically sensible & justifiable) | Repatriation 100% covered (if medically sensible & justifiable) |
| Extended Liability (Post-Cover) | Limited (usually max. 4 weeks inpatient) | Within statutory/tariff limits | ✅ Fully covered until fit for transport |
| Patient Legal Protection | ❌ Not included | ✅ Support with compensation claims abroad (in malpractice cases) | ✅ Included (worldwide protection against medical malpractice) |
| Medical Assistance | 24/7 hotline (accident-related only) | 24/7 hotline (for emergencies & doctor referral) | ✅ Comprehensive 24/7 assistance for all medical matters |
| Annual Premium (approx.) | from €89 | from €149 | from €249 |
Case Studies: When Expat Smart Pays Off
Thomas (45) lives in Chiang Mai. He falls off his motorcycle and breaks his leg. The ambulance takes him to the hospital where he needs surgery. Expat Smart Classic covers the treatment costs and organizes repatriation to Germany if necessary.
Sabine (52) has severe tooth pain. Her dentist in Bangkok determines that a root canal treatment is necessary. With Expat Smart Premium, the costs for the treatment as well as the new dental prosthesis are covered.
Michael (60) uses the preventive screenings of his Expat Smart Premium tariff. During a routine check-up, an illness is detected early and treated – thanks to the comprehensive coverage.
The Müller family is on vacation on an island in Thailand. Their child has a severe fever seizure and needs to go to the hospital. Expat Smart covers the costs for treatment and medical transport.