Insured.Worldwide.Digital.

Compare 16 premium plans from 6+ providers in just 2 minutes – international insurance for expats. Save up to 40% through exclusive framework agreements – transparent and independent.

Starte jetzt deinen Vergleich - kostenlos mit Best-Price-Garantie

Compare plans
Versicherungsvergleich

Discover our
Insurance

International Insurance Solutions Under One Roof

Our focus is on health insurance for expats and digital nomads. We also compare liability, legal protection, and retirement plans for you – specifically tailored to your situation abroad.

Read more

International Health Insurance

Find health insurance with worldwide coverage in 195 countries, free choice of doctors, and direct billing – no waiting periods, with telemedicine and 24/7 assistance.

from €95.20

monthly

Worldwide

Coverage

International Liability Insurance

Your personal protection against bodily injury and property damage with global coverage up to 70 million euros – reliable and cross-border.

from €2.84

monthly

Worldwide

Coverage

International Legal Protection

Worldwide legal protection in disputes with authorities, employers, or landlords – from tenancy law to employment law, internationally secured.

from €6.13

monthly

Worldwide

Coverage

Find Your Perfect
Health Insurance

We Think Global

A hospital stay abroad can quickly cost €10,000 or more. Without international protection, you pay out of your own pocket. As an expat, you need worldwide healthcare – often also as a visa requirement.

Germany's transparent comparison portal for IPMI plans. With us, you see all benefit details at a glance – without data entry, without hidden costs. We compare 16 premium plans independently and offer you exclusive framework agreements with up to 40% savings.

Internationale Krankenversicherung
6+ Hand-Picked Providers
  • Allianz, Barmenia, Cigna, Foyer – and many more
  • Verified for service quality & expat focus
  • Independent comparison
Benefits
  • Unlimited plans
  • From basic to premium protection
  • Outpatient, inpatient, and dental treatments
Worldwide Coverage
  • Americas, Asia, Europe - and many more
  • Meets visa requirements
  • International repatriation
15+ Years Experience
  • EIC Versicherungsmakler GmbH since 2012
  • Exclusive framework agreements
  • Personal consultation
iPhone Mockup

Needs Analysis

Expats have different requirements than tourists. Whether travel insurance or long-term health insurance coverage – we find the right protection for you. We analyze your situation: Where do you live? For how long? Which countries do you visit? Family with you? These details determine which insurance fits and which benefits are essential.

Your Benefits:

  • Individual risk analysis for your location and residence
  • Review of existing insurance for gaps in international health coverage
  • Determination of optimal coverage scope with flexible deductible
  • Consideration of pre-existing conditions and special needs of students and families

Provider Comparison

We have analyzed leading insurers over months – studied plan conditions, compared insurance terms, and talked with our clients. The result: A comparison that shows what really matters. Which provider pays reliably? Who has the best physician network? Where are exclusions hidden in the fine print? Our 20+ years of industry experience combined with hundreds of individual customer stories make the difference.

Your Benefits:

  • Detailed analysis of leading providers and their plans
  • Real experience from 20+ years and hundreds of customer cases
  • Transparent comparison of benefits, not just prices
  • Evaluation of service quality, network, and payment behavior

Application Processing

International applications can be complicated – especially with pre-existing conditions. We know all processes and what matters. From health declaration to policy issuance, we accompany every step. For questions, we are your contact person. You receive clear information and personal consultation for fast processing.

Your Benefits:

  • Complete handling of application submission
  • Professional preparation of your health data
  • Direct communication with the insurer
  • Renegotiation for exclusions or surcharges

Support & Service

Moving from Berlin to Bangkok? Your family is growing? You need help with a claim in Mexico? We're not just there when you sign up – but for years to come. Free, personal, worldwide. Your protection grows with your life.

Your Benefits:

  • Personal support throughout the entire contract term – free
  • Assistance with claims, no matter where you are
  • Adjustment of your coverage for relocation, family, or retirement
  • Annual plan check: We inform you about better options

Your Perfect
Protection Package

Your Protection Package Abroad

From health to liability to legal protection – we offer you all important insurance products for your life abroad. Worldwide validity, exclusive conditions, and personal support from one source.

International Health Insurance

International Health Insurance

From €95.20 monthly

Worldwide health protection without borders. Free choice of doctors in 195 countries, direct billing with clinics, and comprehensive coverage for outpatient, inpatient, and dental treatments.

Ideal for:

  • Expats and emigrants
  • Digital nomads
  • Long-term travelers (over 2 months)

Your Benefits:

  • Worldwide coverage in 195 countries
  • Free choice of doctors and hospitals
  • Direct billing without advance payment
Learn more

International Liability Insurance

International Liability Insurance

From €2.84 monthly

Worldwide protection against personal injury and property damage with coverage up to 70 million euros. Protection in case of accidents in everyday life, during sports, or while traveling – valid across borders.

Ideal for:

  • Expats worldwide
  • Families abroad
  • Sports enthusiasts

Your Benefits:

  • Coverage up to €70 million worldwide
  • Protection against personal injury and property damage
  • Cross-border validity
Learn more

International Legal Protection

International Legal Protection Insurance

From €6.13 monthly

Legal security abroad in disputes with authorities, employers, or landlords. From rental law to employment law to traffic law – internationally protected with free legal advice.

Ideal for:

  • Expats in new legal systems
  • Employees abroad
  • Renters of international apartments

Your Benefits:

  • Worldwide legal protection
  • Free initial consultation
  • Rental, employment, and traffic law
Learn more

Customer Testimonials
and Experiences

What Our Clients Say

Real expats with real experiences report how we have helped digital nomads and emigrants worldwide.

Our Team
More About Us

Your Experts

Waysafe belongs to EIC Versicherungsmakler GmbH with over 15 years of experience in international insurance. As BaFin and IHK regulated insurance brokers, we specialize in international health insurance (IPMI) for expats and digital nomads.

Our strength lies in long-term customer relationships and personal support. We often accompany expats for years – through relocations, family planning, and career changes. This experience from hundreds of individual cases combined with exclusive framework agreements makes us your ideal partner for international insurance coverage.

Expertise
Consulting
Comparison
More About Us

News & Insights
from our Blog

Expat-Life: Knowledge and Tips

Discover the latest trends, insights, and expert opinions on international health insurance and digital innovation. Our articles provide a comprehensive overview and valuable information, written by experienced experts, and are also available for individual consultations.

image
30 Sep 2025

Internationale Krankenversicherung Vergleich 2025 – Beste Anbieter für Expats

image
29 Sep 2025

Langzeit-Reisekrankenversicherung

image
19 Jan 2025

Incoming Krankenversicherung

FAQ

Frequently Asked Questions

IPMI stands for International Private Medical Insurance – worldwide healthcare coverage without temporal or geographical limitations. The difference from travel insurance: • Travel insurance: maximum 6-8 weeks coverage • IPMI: permanent, unlimited coverage Ideal for: • Expats and emigrants • Digital nomads • Long-term travelers (over 2 months) Your benefits: Free choice of doctors and hospitals worldwide, direct billing with clinics, and comprehensive coverage for preventive care, treatments, and chronic conditions.

Example: Sarah, 29, works remotely from Bali for 6 months. Travel insurance ends after 56 days – she would be uninsured for 4 months. Travel Insurance: • Maximum 56 days coverage • Only for emergencies • No preventive examinations • No chronic conditions International Health Insurance (IPMI): • Permanent, unlimited coverage • Preventive examinations included • Chronic conditions covered • Long-term treatments possible Rule of thumb: Are you abroad for longer than 2 months? Then you likely need an IPMI.

Our focus is on international insurance for expats and emigrants: Main product: • International Health Insurance (IPMI) → from €95.20/month → Worldwide coverage, free choice of doctors Additionally, we compare: • International Liability Insurance → from €2.84/month → Coverage up to 70 million euros worldwide • International Legal Protection → from €6.13/month → Legal protection for disputes abroad • International Retirement Plans → For long-term financial security Advantage: All from one source with worldwide validity.

We are a transparent comparison portal for international health insurance: Our unique features: • 15+ years of experience – EIC Versicherungsmakler since 2012 • Real-time comparison of over 620 plan combinations from 16 premium plans • Exclusive framework agreements with up to 40% savings compared to direct purchase from insurers • BaFin and IHK regulated – highest standards and security • Transparency – no hidden costs, GDPR compliant 2-minute comparison: Our intelligent calculator analyzes your needs and immediately shows you the best plans – simple, fast, and clear. Lifelong support: Even after contract conclusion, we optimize your plan annually and are there for you worldwide in case of claims.

We work with over 6 premium providers that are among the best in the market: Our partners: • Barmenia • Die Haftpflichtkasse • Globality Health • PassportCard • Foyer Global Health • BDAE (Federation of German Expats) • Other leading international insurers Why these providers? • Highest financial strength and stability • Worldwide direct billing • Excellent customer service • Flexible plan options • Decades of experience with expats Our promise: We compare independently and objectively – without favoring individual providers. You always get the best plan for your needs.

No, our consultation is completely free – with no hidden costs! How does it work? We finance ourselves exclusively through commissions from insurance providers. You pay nothing extra. You even save: Thanks to our exclusive framework agreements (group contracts), you often pay up to 40% less than with a direct purchase from the insurer. Free services: • Personal consultation by phone, email, or video call • Real-time comparison with our intelligent calculator • Lifelong support after contract conclusion • Annual plan optimization • Support for claims worldwide Transparency: No obligation to purchase, no hidden fees.

5 reasons for Waysafe: 1. Time savings: 2-minute comparison instead of days of research – our calculator analyzes 620+ plan combinations in real time. 2. Save money: Exclusive framework agreements with up to 40% savings – often cheaper than direct purchase from the insurer. 3. Expertise: 15+ years of experience with international insurance – we know all the pitfalls and find the optimal plan. 4. Lifelong support: Even after contract conclusion, we remain your partner – for claims, plan adjustments, and questions. 5. Worldwide support: No matter where you are – we are reachable by email, phone, or video call and adapt to your time zone. IHK regulated: Highest security and standards guaranteed.

Yes, absolutely! Our system is designed for maximum flexibility: Option 1: Independent purchase • Our calculator is self-explanatory and intuitive • 2-minute comparison with clear recommendations • Immediate online purchase possible • All information transparently presented Option 2: With free consultation • Personal conversation by phone or video call • Individual analysis of your needs • Detailed plan recommendation • Support with the application process You decide: How much support you want – from completely independent to personal 1:1 consultation. Important: Consultation is always optional and free, with no obligation to purchase.

We are here for you – flexible and reachable worldwide: Contact options: 📧 Email: Contact form on our website – available 24/7 Response guaranteed within 24 hours 📞 Phone: Personal consultation during German business hours We flexibly adapt to your time zone 💬 Video Call: Personal consultation via Zoom/Teams Appointment scheduling through contact form 🌍 Time zone flexible: Whether you're in Bangkok, New York, or Sydney – we'll find a suitable appointment. Response time: Inquiries via our contact form are answered within 24 hours – usually much faster.

We remain your partner – free and for life: Immediately after conclusion: • Digital contract documents via email • Policy number and insurance confirmation • Instructions for first steps Ongoing support: • Claims support: We help with processing worldwide • Annual optimization: We check if your plan is still optimal • Plan adjustments: Free support for change requests • Answer questions: Anytime via email, phone, or video call 24/7 availability: Your insurance is reachable worldwide around the clock – we support you in communication. Important: Our service doesn't end with the purchase – we accompany you through your entire expat life.

Waysafe specializes in international insurance for: Main target groups: • Expats – Employees posted abroad • Emigrants – Permanent residence outside Germany • Digital nomads – Location-independent work worldwide • Long-term travelers – Over 6 months on the road • International students – Studying abroad • Families – Living abroad with children Especially suitable for: • People without a permanent residence in Germany • People who are abroad for longer than 2 months • Anyone who needs worldwide, permanent insurance coverage

Our intelligent calculator makes comparison simple and transparent: In 3 steps to the optimal plan: 1. Provide information (1 minute): • Age • Target regions • Desired plan • Budget and deductible 2. Real-time analysis (30 seconds): • Comparison of 620+ plan combinations • Analysis from 16 premium plans • Consideration of exclusive framework agreements 3. Receive results (30 seconds): • Clear presentation of top plans • Transparent price-performance comparison • Direct purchase option or free consultation Special feature: Our calculator shows you not just the cheapest, but the best plan for your needs – considering performance, price, and customer satisfaction.

BeyondBorders

Contact
Request Free Consultation

15+ years of experience (EIC Versicherungsmakler GmbH since 2012). BaFin and IHK regulated. Exclusive group conditions. We find the best solution for your life abroad.

International Health Insurance for Expats | Waysafe