Expat Smart – International Health Insurance
The special plan 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 plan from the renowned provider BDAE was specially developed for 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 operations.
- Flexible terms: Perfectly tailored to stays ranging from several months to permanent residency.
- Digital processing: Fast application processing and easy submission of medical bills.
Validity Period
- For stays from 3 months up to 5 years
- Extension option on request
- Worldwide coverage – with focus on Thailand
- No residence in Germany required
Expat Smart Plan Comparison
Choose the right protection for your needs – from basic coverage to premium protection.
| Benefit | 🛡️ Expat Smart Basic Pure accident & emergency coverage |
🩺 Expat Smart Classic Emergency & accident coverage |
⭐ Expat Smart Premium All-round complete protection |
|---|---|---|---|
| Dental treatment | Only for accidents (100%) | Pain-relieving treatment & repair of existing dentures (100%) | Pain-relieving treatment & repair of existing dentures (100%) |
| Dental prosthetics & orthodontics | ❌ Not included | ❌ Not included | ✅ Included (80% after waiting period) |
| Medications, bandages & remedies | Only for accident consequences (100%) | For accidents & acute emergencies (100%) | ✅ 100% reimbursement (medically necessary treatments) |
| Preventive check-ups | ❌ Not included | ❌ Not included | ✅ Included (check-ups, cancer screening) |
| Aids & medical products | Only accident-related (e.g. crutches) | Accident-related / life-sustaining | ✅ Comprehensively covered (e.g. visual aids, wheelchairs) |
| Medical transport & repatriation | Evacuation to the nearest hospital. Repatriation severely limited. | Repatriation 100% covered (if medically sensible) | Repatriation 100% covered (if medically sensible) |
| Extended liability (follow-up coverage) | Limited (usually max. 4 weeks inpatient) | Within statutory/plan limits | ✅ Fully covered until transportability |
| Patient legal protection | ❌ Not included | ✅ Support with damages claims abroad | ✅ Included (worldwide protection for treatment errors) |
| Medical assistance | 24/7 hotline (accident-related only) | 24/7 hotline (for emergencies & doctor referral) | ✅ Comprehensive 24/7 assistance for all medical questions |
| Annual premium (approx.) | from €89 | from €149 | from €249 |
Case Studies: When Expat Smart Pays Out
Thomas (45) lives in Chiang Mai. He falls with his motorcycle and breaks his leg. The rescue service 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 toothache. Her dentist in Bangkok determines that a root canal treatment is necessary. With Expat Smart Premium, the costs for the treatment as well as for the new dentures are covered.
Michael (60) uses the preventive check-ups of his Expat Smart Premium plan. During a routine examination, an illness is detected early and treated – thanks to comprehensive coverage.
The Müller family is on vacation on an island in Thailand. Their child has a severe febrile seizure and must go to the hospital. Expat Smart covers the costs for treatment and medical transport.