The World Health Organization has classified the spread of COVID-19 as a pandemic. Many of our customers are now asking if their expat health insurance policy covers testing, treatment, and/or hospitalization should they become infected with the virus. 

The short answer is yes: our policy does provide coverage. 

But there are some things to take into consideration.

  1. If you signed up for an expat health insurance policy within 31 days of entering Germany, then any treatment and/or hospitalizations related to a COVID-19 diagnosis will be covered.
  2. If you signed up for an expat health policy after being in Germany for 31 days or more, then all claims require a 31-day waiting time from the policy start date.
  3. If you signed up for an expat health insurance policy after receiving a COVID-19 diagnosis or treatment for COVID-19, you will not be covered. 

*An important note regarding testing:

Testing is only covered if prescribed by a doctor. 

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