The DIA-Weltpolice was developed by DR-WALTER in cooperation with the well-known Barmenia Krankenversicherung AG. Barmenia has been insuring thousands of people abroad for many years. With the DIA-Weltpolice, you benefit from an open-ended international private medical insurance (IPMI) for expats, digital nomads, emigrants and anyone living or working abroad. This international health insurance offers protection worldwide and is ideal for German nationals abroad.
Thanks to the exclusive group contract with Deutsche im Ausland e.V., you benefit from a special insurance solution that is normally only available to companies and their employees abroad. DR-WALTER can offer this insurance to individuals thanks to its cooperation with the association.
The DIA-Weltpolice has two tariff levels with different combinations and benefits: cover for major cost risks including outpatient and inpatient medical treatment or the assumption of all costs for medical treatment as well as medically necessary check-ups, vaccinations, dental cleanings and much more.
How much does DIA-Weltpolice insurance cost?
The premium calculation depends on the desired tariff level and the amount of the excess as well as the destination region. Our premium table provides an overview.
Premium examples for the Plus and Best tariffs
Let us guide you! It is the details in the tariffs that are decisive for your choice. Book a personal consultation directly to determine your specific and individual insurance needs - free of charge and without any obligation!
You already know that the DIA-Weltpolice is the right insurance for you. Then you can apply for insurance with us in two ways: Online or via PDF application.
Fill in the (online) application form and answer the health questions. You can also submit a medical certificate. If you do not apply for insurance online, send the PDF application to us by e-mail. Processing takes around 14 days, including the individual review of the health questions and possible follow-up questions. After processing, you will receive all the necessary documents, including the insurance cards.
DIA-Weltpolice von DR-WALTER from DR-WALTER in cooperation with renowned Barmenia Krankenversicherung
The international health insurance DIA-Weltpolice is the result of a cooperation between the insurance expert DR-WALTER and the renowned Barmenia Krankenversicherung AG.
As international health insurance, the DIA-Weltpolice offers comprehensive cover for expats, digital nomads and emigrants living or working abroad. Even if you were previously insured through your company and are now looking for a solution for yourself or your family for reasons such as a change of job, a change of contract or similar, the DIA-Weltpolice is the right choice. With flexible cover options and first-class customer service, the DIA-Weltpolice is the ideal choice for Germans who work abroad and want to be covered worldwide. Find out today about the advantages and benefits of this unique cooperation between DR-WALTER and Barmenia Krankenversicherung AG!
Barmenia Krankenversicherung AG is an independent insurance group based in Wuppertal and Köln with almost 120 years of history in Germany. As one of the most traditional and renowned insurance companies, Barmenia Krankenversicherung AG stands for security and reliability.
DR-WALTER is the expert for travel insurance and international health insurance in Germany. As an insurance broker, DR-WALTER has been providing its customers with comprehensive advice and support for more than 60 years and, as a product provider, creates tailor-made insurance solutions for which it handles the contract and benefit processing itself.
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What is an international private medical insurance?
International health insurance is a comprehensive insurance solution designed for people who live or work abroad for a longer period of time or even permanently, such as expats, digital nomads or international students. It offers comprehensive cover similar to regular health insurance in your home country.
This insurance offers comprehensive cover which, in addition to acute medical care, can also include check-ups, chronic illnesses, maternity benefits, dental care and sometimes even alternative therapies. There is often a health check when taking out the policy, the result of which has an impact on the premiums.
International private medical insurance can be used in various countries, not just in the country of residence. In addition, the insurance cover remains in place if you move from one country to another. The sums insured are often higher than with travel health insurance in order to cover comprehensive needs in the long term.
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Is it worth comparing international health insurance policies?
Yes, definitely! It's worth comparing international health insurance policies to find the best cover at the best conditions. There are differences in the benefits covered, the costs and the areas of validity. The DIA-Weltpolice from DR-WALTER offers comprehensive benefits and flexible tariffs that often perform very well in comparisons. We will be happy to advise you personally - free of charge and without obligation! Simply give us a call on T.: +49 2247 9194-121.
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Where can I find reviews of the DIA-Weltpolice?
Experiences with DR-WALTER, the provider of the international health insurance DIA-Weltpolice as well as other international and travel insurance policies, can be found on review portals such as eKomi, on Google or in forums and travel communities. Many travelers share their positive experiences there and highlight the comprehensive cover at favorable conditions and the good customer service.
Here you can see how Internet users have rated DR-WALTER and its insurance policies on the eKomi rating portal/a>
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Is there international health insurance for expats?
Yes, there are special international health insurance policies for expatriates that are tailored to the needs of people moving to and living or working in another country. These insurance policies usually offer a wide range of medical services and cover both routine and emergency care. Renowned providers in this area include DR-WALTER with its DIA World Policy, as well as Cigna Global, Foyer, Globality or PassportCard.
These companies are characterized by comprehensive health insurance plans for expats that include various coverage options and additional benefits.
There are several key aspects to consider when choosing international health insurance. Coverage plays a crucial role: it is important to check which medical services are included, whether doctor visits, hospitalization, medication or emergency care. Another key criterion is the network of healthcare providers. It is very important that an extensive network of doctors and hospitals is available in the destination country.
The flexibility of the insurance policies is also an important factor. Many providers offer flexible plans that can be adapted to individual needs, such as dental and eye care. Regional coverage should also be considered, as some policies offer worldwide benefits while others are limited to certain regions.
Last but not least, the costs and deductibles are important. It is advisable to compare the premiums and deductibles of different providers in order to find the best value for money. Additional services such as evacuation and repatriation services can also be relevant. Another important point is customer service. Reliable customer service is essential, especially abroad. A good insurer should therefore offer 24/7 customer service in order to be able to guarantee support at all times if necessary.
International health insurance is essential for expatriates, as it ensures that they receive the necessary medical care abroad without having to worry about high costs. DR-WALTER's DIA World Policy is an excellent option for expatriates as it is specifically designed for long stays and multiple needs abroad.
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How much does international health insurance cost?
The cost of international health insurance varies depending on the provider, scope of benefits and length of stay. The international health insurance DIA-Weltpolice from DR-WALTER offers very good value for money for comprehensive cover abroad. The premiums depend on the desired tariff level, the amount of the excess and the destination region. As a member of DIA e. V., you benefit from a tariff that is otherwise only offered to companies.
Detailed information on the benefits and premiums can be found on the DIA-Weltpolice product page
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What do I need to consider as an expat when taking out health insurance?
Expats should make sure that their health insurance offers comprehensive cover, including emergency care, hospitalization and repatriation. It is also important that the insurance is valid worldwide. DR-WALTER's DIA-Weltpolice meets all these criteria and offers additional protection that is specifically tailored to the needs of expatriates. As a customer of the DIA-Weltpolice you have access to the Air Doctor App, which offers you rapid medical assistance on site. With this app, you can book appointments with doctors or hospitals directly and no longer have to pay in advance. All invoices are settled directly with us via the app.
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International health insurance without a health check?
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International health insurance instead of statutory?
Statutory health insurance (GKV) is compulsory for most people living and working in Germany and provides solid basic healthcare. GKV generally only applies within Germany, in certain EU countries and in countries with social security agreements. In Germany, it offers comprehensive basic medical care, but often only covers necessary and economical treatments. Extras such as dental treatment or alternative therapies are often not included or only to a limited extent. Contributions are based on income and are set as a percentage. As a rule, employees whose income is below the compulsory insurance threshold, students, pensioners and certain other groups are compulsorily insured. In countries where statutory health insurance applies outside Germany, insured persons are entitled to medically necessary benefits during temporary stays. However, the costs are only covered up to the amount reimbursed for treatment in Germany. The health insurance company can also make deductions for administrative costs. It is therefore best to check with your health insurance company before undergoing treatment in another European country to find out how much reimbursement is possible. In the case of dental prosthesis treatment, prior approval must be obtained from the health insurance company in order to be able to claim a fixed allowance.
International private medical insurance (IPMI) such as the DIA-Weltpolice from DR-WALTER, on the other hand, is ideal for people who are staying abroad for a longer period of time and require more comprehensive cover that goes beyond the scope and benefits of statutory health insurance. International health insurance offers protection worldwide, even in countries not covered by statutory health insurance. It often offers more comprehensive benefits that go beyond basic care, including treatment costs in private clinics, repatriation to the home country and additional extras such as dental treatment and alternative therapies. Premiums are based on factors such as age, state of health and desired level of cover and are not dependent on income. International health insurance is aimed at expats, long-term travelers, business travelers and people who work or live internationally.
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Is there an open-ended international health insurance policy?
Yes, this is exactly what international health insurance is designed for. They offer unlimited cover. The DIA-Weltpolice from DR-WALTER offers you such predictable security for your extended stay abroad: The DIA-Weltpolice has a minimum contract term of 12 months and an unlimited insurance period. At the end of the minimum contract term, you have a monthly right of termination. Please contact us - free of charge and without obligation at T.: +49 2247 9194-121. Together we will find the perfect protection for your stay abroad!
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What are the benefits of the DIA-Weltpolice from DR-WALTER in cooperation with Barmenia?
The DIA-Weltpolice from DR-WALTER in cooperation with Barmenia Krankenversicherung AG offers - depending on the selected tariff level - comprehensive benefits, including:
- Cost coverage for outpatient and inpatient treatment
- Supply of medication
- Dental treatment
- Repatriation to your home country if medically necessary
- Medically necessary check-ups, vaccinations, dental cleanings (only with the Best plan)
- Air Doctor App
These benefits make the DIA-Weltpolice an excellent choice for international health insurance for expats, digital nomads, long-term travelers and expatriates.
For the exact benefits, please refer to the Consumer information
