Care Expat World
International health insurance for expats, emigrants and globally mobile people.
The current policy wording provides a minimum 12-month term and no fixed maximum duration while eligibility continues. Acceptance is subject to individual medical underwriting.
Product provider: Care Concept AG · Insurer: Barmenia Krankenversicherung AG
Key facts at a glance
Three target regions; the current policy wording provides emergency cover in higher regions for up to 42 days per trip.
Set in the application using nationality or an unlimited residence permit.
Individual medical underwriting, including a health interview; acceptance may include surcharges or exclusions.
Minimum 12 months; no fixed maximum while eligibility continues.
Up to 180 days per calendar year only if the home country is in the EU or Schengen area.
Policy wording: 65th birthday not yet completed; online information also uses current calendar year minus year of birth for eligibility. Check the current application.
€0, €1,200 or €3,600.
Barmenia Krankenversicherung AG.
What the product structure includes
- Basic, Comfort and Premium benefit levels
- Outpatient, inpatient and dental benefits according to the selected tier
- Medically advisable repatriation to the defined home country
- No annual benefit limit according to the Care Concept overview
- Emergency cover for up to 42 days per trip in higher target regions
- EU/Schengen home-country cover for up to 180 days per calendar year
Important limitations
- Acceptance is not guaranteed; underwriting can result in surcharges, exclusions or rejection.
- The €40 headline price uses the highest annual deductible and is not comparable with a €0-deductible premium.
- The home country is outside the normal foreign-country definition; the 180-day exception only applies to an EU/Schengen home country.
- The policy wording and online information use different age formulations: the policy wording refers to the 65th birthday, while the online information also uses current calendar year minus year of birth. Verify current application eligibility.
- The German policy wording prevails if translations differ.
Preserve a later entry option without active medical cover
AWV is a separate paid option policy. It can preserve a later right to enter eligible Care Expat World tiers without another medical review, provided the AWV conditions are met. The option policy itself does not pay medical expenses.
- A qualifying comprehensive health-insurance arrangement is required before exercising the option.
- The option policy includes its own eligibility, age and term rules.
- Regular AWV minimum term is 12 months and maximum term is 60 months; for the contract-suspension option, the minimum term is three months.
- The option can no longer be taken out from the beginning of the calendar year in which the insured person turns 60.
€29 / month
later entry into CEW Basic
€39 / month
later entry into CEW Basic or Comfort
€49 / month
later entry into CEW Basic, Comfort or Premium
Example without an annual deductible
Monthly Care Concept prices for ages 0–24, zone 1 and €0 deductible, checked on 23 August 2026. A deductible can reduce the premium.
| Tier | Monthly premium |
|---|---|
| Basic | €130 |
| Comfort | €230 |
| Premium | €250 |
Current product information from Care Concept
Care Concept provides the current product information, policy terms and further information about Care Expat World on its official English product page.
Frequently asked questions
Do I need a German residence?
No fixed German residence is required. The application defines a home country, and acceptance remains subject to the product's eligibility rules and medical underwriting.
How does home-country cover work?
The current policy wording defines the home country through nationality or an unlimited residence permit. If that home country is an EU or Schengen member, cover there can extend to up to 180 days per calendar year. The special 180-day rule does not apply to a non-EU/non-Schengen home country. For your own configuration, obtain written confirmation from the insurer before relying on this rule.
What is the 42-day higher-zone rule?
The current policy wording states that temporary stays in a higher target region are covered for medical emergencies for up to 42 days per trip. The same higher-region principle applies from target region 2 to 3; If you are unsure how your planned itinerary would be treated, ask the insurer.
What age limit applies?
According to the current policy wording, the 65th birthday must not have been completed when insurance starts. Care Concept's online information also uses an attained-age calculation based on the current calendar year minus the year of birth, even when this differs from the person's actual age. Check current application eligibility before the health interview.
Why does Care Concept advertise prices from €40?
The entry price applies to Basic, age 0–24, zone 1 and a €3,600 annual deductible. The same age and zone start at €130 per month with a €0 deductible. Age, zone, tier and deductible determine the premium.
What is the AWV option tariff?
AWV is a paid option policy, not active medical cover. The current wording lists €29/€39/€49 per month for Basic/Comfort/Premium and can preserve a later right to join eligible Care Expat World tiers without another health review, subject to the AWV conditions.