Health Insurance

In Germany, while the statutory (public) health insurance system covers the majority of residents, there are also options for private health insurance, including for expatriates and those who qualify for special international plans. Here’s a brief overview of international insurance options:

The Federal Employees Health Benefits (FEHB) Program:

  • FEHB

    • The FEHB is a government-managed program the functions as the largest employer-sponsored group health insurance program in the world, covering federal employees, retirees, and their dependents.
    • It offers a wide range of plans from various health insurance providers.
    • Enrollees can choose from fee-for-service plans, health maintenance organizations (HMOs), consumer-driven health plans, and high deductible health plans.
  • Aetna’s AFSPA (American Foreign Service Protective Association):
    • AFSPA is an organization that provides insurance and other services to the U.S. foreign affairs community.
    • Under AFSPA, Aetna offers the Foreign Service Benefit Plan (FSBP) exclusively to the foreign affairs community, including employees, retirees, and their families.
    • This plan is also part of the FEHB but is tailored to the needs of those who may be living and working abroad, providing them with international coverage and benefits that suit a globally mobile lifestyle.
  • BCBS’s FEP (Blue Cross Blue Shield’s Federal Employee Program):
    • This is one of the health insurance options available to federal employees under the FEHB.
    • The Blue Cross Blue Shield Association offers a variety of plans under the FEP, including Standard Option, Basic Option, and FEP Blue Focus.
    • These plans are specific to federal employees and provide a range of benefits and coverage options.

Cigna Global Health Options:

  • Cigna is an international health services organization that offers health insurance to expatriates and globally mobile individuals through its Cigna Global Health Options program.
  • The plans are designed to provide comprehensive coverage for individuals living and working abroad, offering flexibility to choose from different levels of coverage and optional modules to tailor the plan to specific health care needs.
  • Cigna’s plans often include international medical coverage, including access to a network of trusted hospitals, physicians, and specialists, as well as emergency and routine medical care.

United Healthcare Global:

  • United Healthcare Global, a division of UnitedHealth Group, caters to the unique needs of globally mobile individuals, including expatriates and their families
  • The plans offer a broad spectrum of health insurance options that seamlessly integrate with the Federal Employees Health Benefits (FEHB) Program. They are specially designed to provide comprehensive international coverage, ensuring peace of mind for federal employees and retirees living or working overseas.
  • The offerings include access to a wide network of high-quality medical facilities and professionals worldwide, emergency medical assistance, and tailored benefits.

Other Insurers:

  • Allianz offers international health insurance that may cover a range of treatments for various conditions, but the coverage for specific therapies such as ABA for autism would need to be confirmed directly with Allianz, as it can depend on the plan and the region.

  • BUPA Global provides international health insurance with various levels of coverage. Therapies for developmental conditions like autism might be covered under some of their health plans, but you would need to review the policy details or contact them for confirmation.

  • Aetna International: While Aetna’s domestic plans in the United States often cover ABA therapy, Aetna International’s coverage may vary. Policyholders would need to check their plan details to see if ABA therapy is included.

  • AXA PPP International provides health plans that can be tailored to the needs of expatriates, including coverage for chronic conditions. Whether ABA therapy is covered would depend on the specific terms and conditions of the policy.

  • DKV Globality offers health insurance with a focus on the international community. Coverage for specific treatments such as ABA therapy would need to be verified directly with the company.

  • Henner provides international health insurance solutions, and coverage for specific treatments, including ABA therapy, would be subject to the terms of the individual policy.


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