PassportCard — medical insurance for expats

Updated:
05.10.2026

PassportCard is a new kind of health insurance for expats. With PassportCard, you get a free debit card that is directly linked to your insurance rather than your personal finances. Using this card, you can access medical treatments or medication in real time with any doctor—without prior approval and without needing to ask the doctor for a price quote in advance.

No more bureaucracy—all management through the app with no need to submit a request or wait for refund approval.

What is PassportCard?

PassportCard is an international health insurance policy with no excess, backed by the insurance companies Allianz and VyV/MGEN (in Germany). It is the first health insurance company to offer real-time payouts — right where you actually need them.

PassportCard will do:

to students
to holders of a Chancenkarte visa
for a semester abroad
to foreigners with a freelancer visa

and to other expats who need medical insurance for a period up to 5 years.

Not suitable for employees!

If you are an employee, you need to conclude state or private medical insurance.

PassportCard benefits

24/7 customer support in German, English and other languages.
Comprehensive health insurance including medical repatriation, childbirth, surgery and much more.
Fast and simple. Phone connection in just 10 seconds. Real-time payouts instead of lengthy application processes.
You receive a free debit card that is directly linked to insurance funds rather than your personal finances. Using this card, you can pay for medical services with any doctor — without prior authorisation and without having to request a preliminary cost estimate from the doctor.

How PassportCard works

Apply for a PassportCard

Access to medical care in the countries of the selected tariff zone (for Germany, worldwide except the USA): no advance payments, no red tape. Whether it’s back pain from long hours working together or unexpected flu — PassportCard
available for you 24/7.

Top up your debit card via the app

Request a top-up of your card for the amount required for the treatment using the app. This means that the treatment costs are covered directly by the insurance company.

Pay for the doctor’s services with a PassportCard

Just show the card to the doctor, at the pharmacy or hospital—the costs will be covered immediately. No paperwork, no upfront payments. Whether it’s a routine check-up, prescription medicine or emergency care—you won’t have to pay a thing out of your own pocket.

Top up your debit card via the app

Request a top-up of your card for the amount required for the treatment using the app. This means that the treatment costs are covered directly by the insurance company.

Pay for the doctor’s services with a PassportCard

PassportCard tariffs

In partnership with Allianz, PassportCard offers you three solutions with different levels of cover to suit your needs. All tariffs offer comprehensive cover for expenses not only in your host country, but throughout the entire tariff region (for EU countries, this is worldwide except the USA).

General terms

Premium

Comfort

Compact

Annual cover limit

Cost of treatment, surgery, anaesthesia (including day-case surgery), consultations and diagnostic procedures

Admission to a ward

Dialysis

Bone marrow and organ transplantation

Visits to the doctors

Treatment of chronic diseases

Prescription medicines

Pregnancy and childbirth (12-month waiting period)

Psychotherapy

Cancer therapy

Emergency dental care, accidents

Payments for preventative care and scheduled procedures (excluding emergency dental care)

Price

Aged 30, country of relocation: Germany, policy number 0%

€377.50 a month

Price

Aged 30, country of relocation: Germany, policy number 0%

€242.08 a month

Price

Aged 30, country of relocation: Germany, policy number 0%

€215.71 a month

Compact

Annual cover limit

Cost of treatment, surgery, anaesthesia (including day-case surgery), consultations and diagnostic procedures

Admission to a ward

Dialysis

Bone marrow and organ transplantation

Visits to the doctors

Treatment of chronic diseases

Prescription medicines

Pregnancy and childbirth (12-month waiting period)

Psychotherapy

Cancer therapy

Emergency dental care, accidents

Maximum payouts (except for emergency dental care)

Price

Aged 30, country of relocation: Germany, policy number 0%

€215.71 a month

Additional dental insurance rider for the Comfort plan

Option 1

Option 2

Professional tooth cleaning

Gum treatment

Prosthetics

Emergency dental care, accidents

Price

Aged 30, country of relocation: Germany, policy number 0%

+€51.53 a month

Price

Aged 30, country of relocation: Germany, policy number 0%

+€68.31 a month

PassportCard opens up a completely new level of convenience and comfort for expats, eliminating the traditional bureaucracy associated with medical insurance abroad. With the innovative debit card, you can visit a doctor or buy medication calmly and confidently, without worrying about pre-authorisation or long waits for reimbursement. The simplicity of managing your insurance via the user-friendly app makes PassportCard an excellent choice for those who value their time and comfort. Now, looking after your health abroad has become simpler and more accessible than ever before.