Expats & long-term residents
Consider your country of residence, length of stay and countries where you want treatment together.
Insurance · International living
Worldwide health insurance for expats & digital nomads
Does your life span several countries? Health insurance belongs in your planning from the start. Find initial information and introductions to specialist partners for expats, digital nomads and international residents.
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Worldwide health insurance for expats & digital nomads.
Does your life span several countries? Health insurance belongs in your planning from the start. Find initial information and introductions to specialist partners for expats, digital nomads and international residents.
Digital nomads & multiple homes
Discuss changes of country, home visits and a possible return before taking out a policy.
Retirement abroad
Retirees also need an individual review of age, residence and existing cover with a specialist.
Geographical cover and benefits depend on the policy. BEP coordinates introductions; the specialist provides individual assessment.
Questions before choosing cover
What does worldwide health insurance mean?
International medical cover applies within the contractually agreed geographical area. Options may include or exclude the USA. Countries, benefits and exclusions need to fit your circumstances.
What happens when I move country?
Discuss your new residence with the insurer before moving. A change may affect eligibility, premiums or cover. Local compulsory insurance requirements need separate checking.
What should I ask a specialist?
Ask about outpatient and inpatient treatment, pre-existing conditions, deductibles, benefit limits, home visits, renewal and medical evacuation. Included benefits depend on the specific contract.
How does BEP help?
BEP records your enquiry and coordinates an introduction to a specialist partner. Individual insurance advice, policy assessment and any purchase are handled by the relevant specialist.
Please do not send diagnoses or medical records to BEP. Provide medical information directly through the specialist’s secure process.
Sources for general information
Allianz Care: changes of residence · Cigna Global: international health plans
Updated: 17.10.2026