The long-term medical insurance covers medical treatment costs worldwide as well as medically necessary repatriation from abroad to your home country. You will be treated as a private patient: you have free choice of hospital for inpatient treatment. The long-term medical insurance is valid for all individuals up to 55 years old who live, work, or travel abroad for up to 24 months, such as students, scholars, au pairs, backpackers, those on work & travel programs, and those on sabbaticals.

• Long-term medical insurance covers medical treatment costs worldwide as well as medically necessary repatriation from abroad to your home country.

• Coverage of medical treatments abroad, both outpatient and inpatient, including dental treatment
• Treatment as a private patient abroad, with free choice of hospital
• Hospital visitation - if needed, visitation by a close person while hospitalized
• 24/7 worldwide emergency service
• Coverage for trips back home
• Contribution reimbursement for early return home
• Optionally expandable with travel cancellation insurance including curtailment insurance and/or comfort cover

The best long-term medical insurance is the one that suits your needs best:

• No health examination: properly insured for your stay abroad without prior health check
• Coverage for visits home: up to 8 weeks of vacation at home with the same insurance coverage
• No deductible: full coverage for illness or accident abroad
• Visiting expenses: coverage for the visit of a close person in the hospital if needed
• Security apps included: consult local (specialist) doctors in your native language with Air-Doctor