Apostille documents: what you need when moving abroad
Do documents need an apostille when moving abroad? EU exemptions, translations and competent authorities, with a practical checklist.
A new life abroad. With your health in mind.
Health insurance for expats and people moving abroad. Understand the essentials and request your personal quote directly from PassportCard.
Journal
Answers to the questions that really matter before applying.
Paying first, moving abroad and insurance zones: researched articles with clear context, visible sources and a transparent update history.
Cross border health insurance: S1 for EU frontier workers
Working in one EU country and living in another? Understand S1 registration, healthcare access and the differences between S1, A1 and EHIC.
Digital nomad health insurance: residence, zones and payment
Digital nomad health insurance: this guide separates residence information, the applicable social-security system, coverage zones and payment routes.
Three steps to your quote.
- 1
Enter your destination and duration
Open the quote journey and select where you plan to live and the type of stay.
- 2
Complete your details at PassportCard
Enter your personal information directly in PassportCard’s form.
- 3
Receive your personal quote
Your individual quote sets out the benefits, premium and policy terms.
What you gain
Less financial stress. Less paperwork.
Whether it is a doctor’s visit or a hospital stay, use the app, service and policy documents to identify the intended payment route. The offer and policy define which treatment is covered.
Outpatient
Where the card route applies to a doctor’s visit or medication, a balance is loaded onto the card. Contract-dependent exceptions and reimbursement remain possible.
Inpatient
Contact the service before planned inpatient treatment; prior approval or a guarantee of payment may be required.
Offer boundary
The provider's quote process decides whether an offer is available; the offer and policy define benefits and limits.
How simple it is
How to pay at the doctor.
Contact PassportCard before your appointment. Use the service and your policy documents to clarify how treatment will be paid for.
Report your visit
Use the provider's app or service for this step.
Check how to pay
Use the app, service and your policy documents to clarify whether the card route applies. If payment could not be made with the card, reimbursement is a separate route that requires supporting documents.
Receive the balance
Where the card route applies, PassportCard loads the intended balance onto the card.
Pay with the card
Use the loaded card balance at the doctor or pharmacy. Exceptions depend on the country, benefit and policy.
The USA, planned hospital stays and reimbursement have separate procedures.
Understand payments and exceptionsClarity before applying
When other rules need to be checked first.
PassportCard describes long-term international health insurance. It does not replace checking whether a local mandatory system applies based on residence, work or pension status. auslandspolice does not assess personal suitability.
01
Card route: report, load, pay
Before a doctor or pharmacy visit, the case is reported through the app or service. Where the card route applies to the case, PassportCard makes a balance available on the card for use on site.
Source and review date
PassportCard Deutschland · Product flow: contact before the visit, load the card balance and pay on site
checked · Next review
02
USA: a separate payment route
In the USA, PassportCard is not used directly for payments. According to the provider, PassportCard settles bills there directly with the medical provider via a UHC (UnitedHealthcare) card; the contractual deductible remains with the insured person.
Source and review date
PassportCard Deutschland · USA country page, medical care section: no direct card payment, settlement via UHC (UnitedHealthcare) card, contractual deductible
checked · Next review
03
Inpatient care: separate approval route
Planned inpatient treatment may require prior approval or a guarantee of payment. This is a separate process and is not the same as loading the card.
Source and review date
PassportCard Deutschland · Inpatient treatment, prior approval and guarantee-of-payment information
checked · Next review
04
Waiting periods and exclusions
The public product page points to plan-specific benefit limits, possible waiting periods and the binding policy wording.
Source and review date
PassportCard Deutschland · Plan-specific limits, possible waiting periods and binding policy wording
checked · Next review
05
S1 is case-specific
The S1 form is part of European coordination for specific cross-border situations, such as posting or pension cases. It is not a general substitute for worldwide private health insurance; the relevant social security institutions decide responsibility.
Source and review date
Europäische Union / Your Europe · Health insurance in the host country: posting, pension cases and form S1
checked · Next review
06
Local mandatory systems
Whether a local health insurance system is responsible or mandatory in the destination country depends in particular on employment status and residence and must be checked separately.
Source and review date
Europäische Union / Your Europe · Health insurance in the host country section
checked · Next review
Use the right source
Know which document answers which question.
Use the provider's app or service for a case route, the offer and policy wording for contractual cover, and the responsible authority for local-system rules. auslandspolice provides general information, not individual advice.
Payment route
Report the case and use the provider's app, service and policy documents to identify the intended route.
Contractual cover
Use the individual offer, policy schedule and policy wording for benefits, limits, zones and waiting periods.
Local rules
Use the responsible public authority for residence, work, visa, EHIC or social-security questions.
Personal eligibility
The provider decides whether an offer is available from the details entered in its quote flow.
Who is showing you this offer
You know who is speaking.
auslandspolice is a service of Biturai L.L.C-FZ. Biturai is an introducer, not an insurance intermediary: we provide general information and link directly to the PassportCard offer flow without assessing individual needs or recommending a plan. The individual offer and policy identify the contracting party and insurer; Biturai is not a party to the policy. If a contract is concluded through the link, Biturai receives compensation.
Biturai L.L.C-FZRead the legal notice
Frequently asked questions
What you probably want to know before requesting a quote.
Answers about payments, benefits and your quote from PassportCard.
How do reporting, loading and paying work?
Before a doctor or pharmacy visit, the case is reported through the app or service. Where the card route applies to the case, PassportCard makes a balance available on the card for use on site.
What if payment could not be made with the card?
When payment could not be made with the card and reimbursement is claimed, the official form requires relevant medical documents, an itemised bill and receipts. Whether reimbursement is available depends on the specific policy.
What applies to inpatient treatment?
Planned inpatient treatment may require prior approval or a guarantee of payment. This is a separate process and is not the same as loading the card.
How does payment work in the USA?
In the USA, PassportCard is not used directly for payments. According to the provider, PassportCard settles bills there directly with the medical provider via a UHC (UnitedHealthcare) card; the contractual deductible remains with the insured person.
Up to what age can I apply for cover?
PassportCard states that it currently does not offer international health insurance to people aged 65 or over. For younger applicants, age and health information form part of the quote process; the provider decides individually on acceptance.
Get your personal quote now.
The link takes you directly to PassportCard. You enter your details there; a binding offer follows only after the provider's review.