You may have heard about or recently spoken with us about our Long-term health insurance option, which can be considered as an extension to our Expat health insurance.
While related, these two products serve different needs and stages in a person’s time in Europe.
Think of long-term health insurance as the next step for those who may not be able to use Expat health anymore and are not yet eligible for the public or private health insurance in their new country.
Here are some examples of those who would most benefit from this policy:
Those who have been on short-term expat over 5 years and are not yet eligible for the national public or private health
People applying for a visa/permit renewal who aren’t eligible for the national public or private health
Those who want more coverage than what Expat health can offer, but don’t want to or can’t get onto the natioanl public or private health
Now, let's break down some further differences between to the two to give you an overview.
| Incoming private insurance (expat) | Long term health insurance |
Coverage overview | New conditions only, no cover for pre-existing conditions or routine check ups without symptoms | New conditions, some pre-existing conditions (if no treatment has been completed in the last 3 years) and routine check ups (after a waiting period) are included |
Ability to add dependents | ✅ | ✅ |
Length of policy | 5 years | Unlimited |
Visa requirements | Suitable for most first time visas but not sufficient for visa renewals | Suitable for visas and visa renewals |
Salary minimum for eligibility | X | X |
Health screening for eligibility | X | X However there is a health screening for those between 65-70 years of age |
Cost | Set price based on age and policy starting from €72 per month
Generally the cheapest health insurance option | Cost is based on age and whether a voluntary deductible is chosen |
Travel cover | EU & Schengen zone, as well as 6 weeks in home country after 1 year on the policy | Two options: |
Option to switch to public or private health | ✅ | ✅ |
Age limit for signup | Up to 75 years, and expires once you turn 75 | Up to 70 years Note: sign up is until age of 70, but if you signed up before this, you can continue the policy without any time limit |
Sick pay | X | X |
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Cancellation policy | Monthly | Monthly |
If you would like to sign up for our long term health insurance, you can do so here.
If you have any further questions, please reach out to us via our support page.