Insurance · Broker
PassportCard: international health cover paid by card, managed from Hamburg and underwritten by VYV/MGEN Portugal and AWP
German intermediary and administrator, a member of the DavidShield group, whose expatriate health contract relies on a payment card that avoids paying costs upfront. Three plans, backed by two different insurers; subscription before an age limit.
Please note
Characteristics
- Type
- Broker
- Type
- Administrator
- Risk carrier
- MGEN Portugal, représentée par VYV International Benefits (Expat Basic, Expat Comprehensive) ; AWP Health & Life SA (Executive)
- Use
- Long-term expat health
- French scheme
- No
- CFE top-up
- No
- Medical questionnaire
- Yes
- Covers
- Health · Hospital · Maternity · Dental and optical · Repatriation · Assistance
- Settlement
- Direct settlement
- Regulator
- Non vérifié (registre allemand des intermédiaires)
- Currencies
- EUR · USD
- Home country
- Germany
For a stay in a destination country beyond a minimum consecutive duration. Worldwide cover, including during temporary stays in the home country, according to a partner intermediary. Two zones: worldwide excluding the United States, or worldwide including the United States (the card cannot be used in the United States, where a card from a US network replaces it). The form warns that the contract may not be suitable in a country that imposes compulsory health insurance.
Contracts and plans
Each plan is described from its contract documents. Compare plans in the same category: travel insurance does not replace expat health cover.
Expat Basic
Long-term expat health · Tableau des garanties SD-20072025 ; formulaire de demande
- Risk carrier
- MGEN Portugal, représentée par VYV International Benefits
- Distributor / administrator
- PassportCard Europe GmbH (Hambourg), intermédiaire et gestionnaire du contrat
- United States
- Optional
- Home country
- Yes
- Renewal
- Not verified
- Link with the CFE
- First-euro cover
- Direct billing
- Yes
- Hospital : Yes
- Outpatient care : Partly
- Maternity : Partly
- Dental : Partly
- Optical : Partly
- Mental health : Partly
- Evacuation and repatriation : Yes
Who for : Applicant under the age limit at the start of cover; health questionnaire.
Pre-existing conditions : Detailed health questionnaire; according to a partner intermediary, pre-existing conditions can often be covered subject to a surcharge or be made the subject of exclusions.
Limits : Annual ceiling depending on the zone; maternity capped per birth, after a waiting period; outpatient mental health capped, after a waiting period and with prior approval; evacuation only through network providers.
- up to €1,000,000 Expat Basic, worldwide excluding the United States: annual limit per insurance yearIndividual benefits table ref. SD-20072025, issued by PassportCard Europe GmbH and hosted by an intermediary; column order: Expat Basic, Expat Comprehensive, Executive.deutsche-im-ausland.org · Verified on Nov 2, 2026
- up to $1,500,000 Expat Basic, worldwide zone including the United States: annual ceiling per insurance yearZone including the United States; a maximum annual deductible and a co-payment depending on the network apply in this zone.deutsche-im-ausland.org · Verified on Nov 2, 2026
- 12 months Expat Basic, zone excluding the United States: waiting period for outpatient mental health careThe table gives the same waiting period for psychotherapy and for maternity; coverage is subject to prior approval.deutsche-im-ausland.org · Verified on Nov 2, 2026
- less than 65 years Maximum age of the applicant at the start of coverage (must be under)PassportCard application form (Germany); unmarried children are covered up to a separate age limit, beyond which a separate policy is issued. Document from the provider, hosted on an intermediary's website.reiseversicherung.com · Verified on Nov 2, 2026
- from €1,000 Optional hospitalisation deductible: lowest levelOption on the application form; the policy can also be taken out without a deductible. According to an intermediary, these deductibles apply only to areas outside the United States.reiseversicherung.com · Verified on Nov 2, 2026
- up to €5,000 Optional deductible on hospitalization: highest levelOption on the application form.reiseversicherung.com · Verified on Nov 2, 2026
- more than 60 days Intended stay in the destination country: minimum consecutive durationDefinition of the destination country in the application form.reiseversicherung.com · Verified on Nov 2, 2026
Expat Comprehensive
Long-term expat health · Tableau des garanties SD-20072025 ; formulaire de demande
- Risk carrier
- MGEN Portugal, représentée par VYV International Benefits
- Distributor / administrator
- PassportCard Europe GmbH (Hambourg), intermédiaire et gestionnaire du contrat
- United States
- Optional
- Home country
- Yes
- Renewal
- Not verified
- Link with the CFE
- First-euro cover
- Direct billing
- Yes
- Hospital : Yes
- Outpatient care : Yes
- Maternity : Partly
- Dental : Partly
- Optical : Partly
- Mental health : Partly
- Evacuation and repatriation : Yes
Who for : Applicant under the age limit at the start of cover; health questionnaire.
Pre-existing conditions : Detailed health questionnaire; according to a partner intermediary, pre-existing conditions can often be covered subject to a surcharge or be made the subject of exclusions.
Limits : Higher annual ceiling; maternity capped per birth; dental limited to pain relief treatment without the option.
- up to €3,500,000 Expat Comprehensive, worldwide excluding the United States: annual limit per policy yearSame table; for the zone including the United States, the limit for this plan is published in dollars for an identical nominal amount.deutsche-im-ausland.org · Verified on Nov 2, 2026
- less than 65 years Maximum age of the applicant at the start of coverage (must be under)PassportCard application form (Germany); unmarried children are covered up to a separate age limit, beyond which a separate policy is issued. Document from the provider, hosted on an intermediary's website.reiseversicherung.com · Verified on Nov 2, 2026
Executive
Long-term expat health · Tableau des garanties SD-20072025 ; formulaire de demande
- Risk carrier
- AWP Health & Life SA
- Distributor / administrator
- PassportCard Europe GmbH (Hambourg), intermédiaire et gestionnaire du contrat
- United States
- Optional
- Home country
- Yes
- Renewal
- Not verified
- Link with the CFE
- First-euro cover
- Direct billing
- Yes
- Hospital : Yes
- Outpatient care : Yes
- Maternity : Being verified
- Dental : Partly
- Optical : Yes
- Mental health : Being verified
- Evacuation and repatriation : Yes
Who for : Applicant under the age limit at the start of cover; health questionnaire.
Pre-existing conditions : Detailed health questionnaire; according to a partner intermediary, pre-existing conditions can often be covered subject to a surcharge or be made the subject of exclusions.
Limits : Highest annual ceiling; optical care over a multi-year period; repatriation to the home country provided for beyond certain outpatient costs.
- up to €5,000,000 Executive, worldwide excluding the United States: annual ceiling per insurance yearSame table; plan provided by a different insurer from the two Expat plans.deutsche-im-ausland.org · Verified on Nov 2, 2026
- less than 65 years Maximum age of the applicant at the start of coverage (must be under)PassportCard application form (Germany); unmarried children are covered up to a separate age limit, beyond which a separate policy is issued. Document from the provider, hosted on an intermediary's website.reiseversicherung.com · Verified on Nov 2, 2026
Published figures
- Premium, fromNot provided
- Expat Basic, worldwide zone including the United States: annual ceiling per insurance yearup to $1,500,000deutsche-im-ausland.org · Verified on Nov 2, 2026
- Executive, worldwide excluding the United States: annual ceiling per insurance yearup to €5,000,000deutsche-im-ausland.org · Verified on Nov 2, 2026
- Expat Comprehensive, worldwide excluding the United States: annual limit per policy yearup to €3,500,000deutsche-im-ausland.org · Verified on Nov 2, 2026
- Expat Basic, worldwide excluding the United States: annual limit per insurance yearup to €1,000,000deutsche-im-ausland.org · Verified on Nov 2, 2026
- Optional deductible on hospitalization: highest levelup to €5,000reiseversicherung.com · Verified on Nov 2, 2026
- Optional hospitalisation deductible: lowest levelfrom €1,000reiseversicherung.com · Verified on Nov 2, 2026
- Expat Basic, zone excluding the United States: waiting period for outpatient mental health care12 monthsdeutsche-im-ausland.org · Verified on Nov 2, 2026
- Maximum age of the applicant at the start of coverage (must be under)less than 65 yearsreiseversicherung.com · Verified on Nov 2, 2026
Who bears the risk
PassportCard Europe GmbH, a Hamburg company that is a member of the DavidShield group, distributes and administers the contract; it presents itself as an insurance intermediary and receives a commission. It is not the insurer.
The application form names two risk carriers depending on the plan: VYV International Benefits, acting in the name and on behalf of MGEN Portugal, for Expat Basic and Expat Comprehensive; AWP Health & Life SA, a company of the Allianz group, for Executive. Two plans of the same product therefore fall under two separate insurers.
Plans and benefits
The principle is direct payment: the insured person pays for care with a card loaded by the administrator, without paying costs upfront. This card cannot be used in the United States, where a card from a US network takes over.
- Expat Basic: annual ceiling of up to €1,000,0004 excluding the United States, or up to $1,500,0001 in the zone including the United States.
- Expat Comprehensive: annual ceiling of up to €3,500,0003 excluding the United States, with better maternity cover.
- Executive: annual ceiling of up to €5,000,0002 excluding the United States, extended optical cover.
All three plans include assistance with medical evacuation and repatriation, provided that network providers are used. Dental care beyond emergencies is covered by an option.
Deductibles, waiting periods and exclusions
Outside the United States, a deductible on hospitalisation can be chosen, from from €1,0006 to up to €5,0005. In the zone including the United States, the table provides for a maximum out-of-pocket amount per year and different reimbursement rates inside and outside the network. Outpatient mental health is covered only after 12 months7 and with prior approval; the table states the same waiting period for maternity.
The health questionnaire is detailed; an inaccurate answer may result in the loss or a substantial reduction of the right to benefits.
The general insurance conditions, the duration and renewal conditions of the contract, and the regulator of each of the two insurers have not been read. The provider's own website was not readable: the benefits table and the form were read on the websites of two intermediaries that distribute them.
Who it is for, and who it is not
The contract is aimed at expatriates under less than 65 years8 who want to avoid paying any costs upfront. The stay in the destination country must exceed figure being updated consecutive. It is poorly suited to a resident of a country that imposes its own health insurance, and it does not provide a CFE supplement.
Price and points to check
A grid of monthly prices by age band is published for January 2026, but the zone columns are not clearly enough identifiable to be reproduced. We therefore state a price on quotation, depending on age, zone, plan, deductible and medical examination.
- The insurer carrying the chosen plan, which is not the same for Executive.
- How the card works in the country of residence and the solution provided in the United States.
- Surcharges or exclusions entered after the health questionnaire.
Sources and verification dates
- 1.
Expat Basic, worldwide zone including the United States: annual ceiling per insurance year : $1,500,000
« Jahreshöchstbetrag pro Versicherungsjahr 1.500.000 $ 3.500.000 $ 5.000.000 $ »
PassportCard Europe GmbH, « PassportCard Leistungstabellen (SD-20072025) »Verified on Nov 2, 2026Verified source
- 2.
Executive, worldwide excluding the United States: annual ceiling per insurance year : €5,000,000
« Jahreshöchstbetrag pro Versicherungsjahr 1.000.000 € 3.500.000 € 5.000.000 € »
PassportCard Europe GmbH, « PassportCard Leistungstabellen (SD-20072025) »Verified on Nov 2, 2026Verified source
- 3.
Expat Comprehensive, worldwide excluding the United States: annual limit per policy year : €3,500,000
« Jahreshöchstbetrag pro Versicherungsjahr 1.000.000 € 3.500.000 € 5.000.000 € »
PassportCard Europe GmbH, « PassportCard Leistungstabellen (SD-20072025) »Verified on Nov 2, 2026Verified source
- 4.
Expat Basic, worldwide excluding the United States: annual limit per insurance year : €1,000,000
« Jahreshöchstbetrag pro Versicherungsjahr 1.000.000 € 3.500.000 € 5.000.000 € »
PassportCard Europe GmbH, « PassportCard Leistungstabellen (SD-20072025) »Verified on Nov 2, 2026Verified source
- 5.
Optional deductible on hospitalization: highest level : €5,000
« Selbstbehalt auf stationäre Leistungen: Ohne 1.000 EUR 2.500 EUR 5.000 EUR »
PassportCard Europe GmbH, « Antrag PassportCard »Verified on Nov 2, 2026Verified source
- 6.
Optional hospitalisation deductible: lowest level : €1,000
« Selbstbehalt auf stationäre Leistungen: Ohne 1.000 EUR 2.500 EUR 5.000 EUR »
PassportCard Europe GmbH, « Antrag PassportCard »Verified on Nov 2, 2026Verified source
- 7.
Expat Basic, zone excluding the United States: waiting period for outpatient mental health care : 12 months
« bis zu 1.000 € nach vorheriger Leistungszusage, Wartezeit von 12 Monaten »
PassportCard Europe GmbH, « PassportCard Leistungstabellen (SD-20072025) »Verified on Nov 2, 2026Verified source
- 8.
Maximum age of the applicant at the start of coverage (must be under) : 65 years
« die bei Beginn des Versicherungsschutzes unter 65 Jahre alt sind »
PassportCard Europe GmbH, « Antrag PassportCard »Verified on Nov 2, 2026Verified source