01
Report the appointment
Give the team a quick heads-up
Use the app or phone — both channels work in German.
International health insurance
Approved? Then the insurer pays.
With PassportCard, you do not pay approved treatment out of pocket first. Report it before the appointment, the amount is confirmed and the insurer pays through the intended card route.
No paying first. No waiting for reimbursement. Support in German.
With PassportCard
This is PassportCard
Less money upfront. Less paperwork.
PassportCard connects health insurance to a direct payment route. Once treatment is approved, the insurer pays through the card — instead of you settling the bill first and claiming it back later.
How payment works
The app, card and support take you from the reported appointment to payment. You know what happens next.
Who underwrites the policy
Policies are underwritten by Allianz Partners (AWP Health & Life SA) and MGEN Portugal – Companhia de Seguros, S.A.
Upfront paymentnot required after approval
Approvalwithin minutes
ServiceGerman-language support via WhatsApp and phone, team based in Hamburg
How simple it is
Four steps instead of bill, claim, wait.
Report the appointment. The insurer confirms the approved amount and covers the payment. At the doctor or pharmacy, use the intended card route.
02
Confirm the amount
The insurer calculates the amount
You do not need to estimate the cost or advance the money.
03
Approve payment
The insurer covers the payment
For approved treatment, the payment route is generally ready within minutes.
04
Pay at the doctor
Use the card on site
At the doctor or pharmacy, pay through the intended card route — not from your own account first.
Card illustrations are schematic, not the original product.
What you gain
Less financial stress. Less paperwork.
Whether it is a doctor’s visit or a hospital stay: after approval, you know how payment works and who you can reach in German. The offer and policy define which treatment is covered.
Outpatient
After approval, pay for a doctor’s visit or medication through the intended card route — without laying out the money first.
Inpatient
For a hospital stay, the team coordinates approval and the payment route with you. You do not have to work through the process alone.
German support
If anything is unclear, reach German-language support by WhatsApp or phone.
Help when you need it
You do not have to decode insurance jargon.
Report the appointment in the app or speak to the team in Hamburg. In German, by WhatsApp or phone — with a clear next step.
“What do I do now?”
Report the appointment. The process then takes you step by step to payment.
“Who can I ask?”
Reach German-language support by WhatsApp or phone.
“Is the team abroad?”
The German-language team is based in Hamburg.
“Do I have to sort it out alone?”
No. For inpatient treatment, the team coordinates approval and the payment route with you.
Who is showing you this offer
You know who is speaking.
auslandspolice is a service of Biturai L.L.C-FZ. Biturai is a tip provider, not an insurance intermediary. We explain PassportCard and link you directly to the provider. The insurance contract is concluded with PassportCard or the insurer named in its offer; if a contract is concluded there, Biturai receives compensation.
Biturai L.L.C-FZRead the legal notice
Journal
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Payment models
Pay upfront or pay direct: two payment routes explained
Pay upfront or pay direct in international health cover: this guide explains reimbursement, direct payment, approvals and contract limits.
Study abroad
Health insurance for study abroad: which rules apply
Health insurance for study abroad: the rules distinguish between the EHIC, employment, a change of residence and a temporary posting.
Frequently asked questions
What you probably want to know before requesting a quote.
The key questions about payment, hospital care, the USA and our role — answered clearly and briefly.
How quickly is payment approved?
within minutes
What happens with inpatient treatment?
Prior approval and a guarantee of payment may be required. The contract contains the binding terms.
Does the card work in the USA?
No. In the USA settlement runs through a UnitedHealthcare card with contractual network and deductible rules.
How long does claim processing take?
five working days
Who underwrites the policies?
Policies are underwritten by Allianz Partners (AWP Health & Life SA) and MGEN Portugal - Companhia de Seguros, S.A.
Get your personal quote now.
The link takes you directly to PassportCard, where you can see the price, plan and terms for your details.