The world is not enough.

International health insurance for inpats

Your employees come from other countries and are assigned to work in Germany as inpatriates (inpats)?

In this case, it is important to provide these employees with reliable and legally compliant health insurance coverage. The general compulsory insurance in Germany according to § 193 III VVG as well as your duty of care as an employer according to § 618 BGB, § 17 SGB V can lead to considerable cost and liability risks for your company.

Complex requirements in Germany

The legal requirements for health insurance coverage for foreign employees in Germany are complex and can change rapidly over time as the duration of stay in Germany or the residence permits of the insured employees, or their family members change. Thus, an insurance policy that does not comply with these requirements exposes you and your employees to numerous liability risks.

Comprehensive protection for you and for your employees

Our special international tariffs „Hi.World“ provide comprehensive coverage for your foreign employees in Germany within the framework of a group insurance contract and protect you as an employer from incalculable financial risks.

Your advantages

Legally-compliant insurance solutions in Germany
Easy management of contracts via our online portals
No risk assessment or waiting periods, inclusion of pre-existing conditions
Free choice of doctor or hospital with direct billing option (otherwise digital invoice submission)
Insurance coverage for all employees working in Germany on behalf of the policy holder as well as accompanying family members
Individual continued insurance after termination of the group insurance contract
Optional benefits: e.g., daily sickness allowance, employer-subsidized plans, ...

Your employees are assigned to work abroad as expatriates?

Here you can find information on our comprehensive insurance coverage for expatriates.

Hi.World: Action!

Important downloads

Hi.Inpat at a glance Hi.World (international group health insurance)

Our international health insurance for inpats

Hi.Inpat

For coverage of long-term stays in Germany, Hi.Inpat offers you legally-compliant health insurance coverage at a high level that meets the special requirements of the German market. Coverage is available for employees with a temporary residence title (limited to 5 years) and employees with an unlimited residence title (unlimited in time).

The insurance cover can be optionally expanded (e.g., temporary incapacity insurance). Moreover, the compulsory long-term care insurance can be added if desired.

Are your employees visiting Germany only for a short business trip?
Then Hi.Traveller – our business travel insurance – is the ideal solution for you. Here you can find additional information on our tariff.

Compare details of our international health insurance for inpats now

Available for employees with temporary (limited to 5 years)
and unlimited residence title.

Hi.Inpat XL

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Available for employees with temporary (limited to 5 years)
and unlimited residence title.

Hi.Inpat M

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Deductible

No deductible

€ 500 per adult and € 100 per child for out-patient treatments, medicines and dressings, alternative practitioner treatments

Inpatient accommodation

one-bed, two-bed or multi-bed room

multi-bed room

Out-patient and in-patient medical treatment

100 %

In-patient follow-up rehabilitation

100 %

Psychological and psychotherapeutic treatment

100 %

75 %, max. 50 sessions per year

Remedies/physiotherapyIncluding speech therapy, massage and ergotherapy

100 %

75 %

Alternative medicineAlternative practitioner, acupuncture (needle technique), homeopathy, osteopathy, TCM and chiropractic (including medicaments and dressings)

100 %

For treatments by an alternative

practitioner up to € 1,000 per year

Check-up examinations As per the statutory programs introduced in the Federal Republic of Germany

100 %

100 % up to the age of 18

Medical aids (incl. hearing aids)

100 %

75 %

Visual aids

100 % up to € 325 (every 2 years)

–

Pregnancy/delivery

100 %

Midwife service/delivery nurse

100 %

Artificial insemination

50 %

–

Dental treatmentGeneral prophylactic, preservative and surgical services, treatment of oral and orthodontic diseases, x-ray services and periodontal treatment

100 %

100 % for pain-relieving dental treatment up

to € 750 per person

Dentures Prosthetic dentures, crowns of all kind, bridges, dental splints, implants and repair of dentures, occlusal appliances, dental splints

80 % up to € 5.115 per person

accident-related, up to € 3.000 per person

Orthodontics

80 % up to € 5.115 per person

accident-related, up to € 3.000 per person

Rides and transport

100 %

Palliative care/hospice

100 %

Co-insurance of epidemics and diseases E.g., EHEC and Ebola (incl. follow-up maintenance)

100 %

Please note that the actual individual benefits are defined in the terms and conditions of insurance.

kranken-services-frau-spricht-mit-arzt-via-video

Comprehensive services for your employees

Hallesche offers a wide range of international services. Thereby, we pay great attention to providing the best possible care.

Learn more

Would you like to reliably cover yourself and your employees for a stay in Germany?

We are happy to send you an offer tailored to your needs.

FAQ on international health insurance "Hi.World" for inpats and expats

In addition to a large number of sending countries with different requirements and constantly increasing health care costs, there also are complex legal regulations – including, among others, a legally regulated duty of care on the part of the employer for employees and their family members abroad (§17 Social Security Act (SGB) V). This means: employers must cover all medical expenses incurred abroad. This also applies to family members who accompany the employee abroad.

The "Hi.World" international tariffs are aimed at companies whose employees are deployed abroad or come to Germany on business from a foreign branch office. Employers conclude the appropriate contract in the form of a group insurance contract. The company acts as policy holder and premium payer, while the employees and their dependents are persons insured.

Expatriates (expats) are persons who live or work in another country temporarily or for a longer period of time, yet without being naturalized. In this case, "Hi.Expat" would be the correct tariff. Inpatriates (Inpats) are persons who live or work in Germany temporarily or permanently, yet without naturalization. In this case, "Hi.Inpat" is the right tariff.

The world is not enough.

Your employees come from other countries and are assigned to work in Germany as inpatriates (inpats)?

Your advantages

Your employees are assigned to work abroad as expatriates?

Hi.World: Action!

Important downloads

Our international health insurance for inpats

Hi.Inpat

Compare details of our international health insurance for inpats now

Hi.Inpat XL

Hi.Inpat M

Comprehensive services for your employees

Would you like to reliably cover yourself and your employees for a stay in Germany?

FAQ on international health insurance "Hi.World" for inpats and expats

What do you have to bear in mind when sending employees abroad? #accordion-element---hallesche---hiworld---faqs-en---frage-1

Who are the tariffs suitable for and who takes out the insurance? #accordion-element---hallesche---hiworld---faqs-en---frage-2

Is there a minimum number of persons? #accordion-element---hallesche---hiworld---faqs-en---frage-3

Do the "Hi.World" international rates apply worldwide? #accordion-element---hallesche---hiworld---faqs-en---frage-4

Which companies can take out the "Hi.World" foreign tariffs? #accordion-element---hallesche---hiworld---faqs-en---frage-5

What is the difference between expatriates and inpatriates? #accordion-element---hallesche---hiworld---faqs-en---frage-6