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Usually insurers expect you to pay for a claim and request the funds back.
This can take up to 60 days! Leaving you out of pocket when you need it most. Instead, we calculate the exact costs for your claim – on the spot – and load up the card with the cash you need. So if you need to see a doctor, buy medication or cover medical costs, you can – without spending a penny!

Passportcard red little card

2 million customers trust PassportCard, Expat health insurance that pays in real-time!


Around the world with the PassportCard


Medical care that feels just like home

We offer you comprehensive health insurance abroad, 24/7 Telemedicine services including medical repatriation. In the event of a claim, we will take care of your health issues with our 24/7 customer service from Hamburg. You can also consult with an experienced medical team with our 24/7 Telemedicine service with German doctors and a medically trained team from the comfort of your home. We answer within only 10 seconds. We have a customer satisfaction rate of over 3.5 times the average of other insurers.

Expat insurance for couple moving abroad


No out-of-pocket for medical costs

Real-time payment instead of long claim processes. PassportCard pays your medical treatments on the spot in real-time. By paying with your Passportcard there are no out-of-pocket payments. No paperwork or long claims processing, no surprises.

Swipe to pay - Just swipe the card like a normal debit card to pay the Doctor and you’re done.

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Load the card - we will load the card with sufficient funds to pay your medical bill.

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Contact us 24/7 before your medical appointment. Please note the use of the card is not applicable in the US.

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PassportCard advantages worldwide for the patient, doctor and employer


No out of pocket, our card pays the doctor´s or the pharmacy´s invoice. If a doctor accepts Mastercard they’ll accept you.


We are available from our Hamburg office around the clock. Our team of experts in Hamburg are at your service 24\7.


Our medical experts are here 24\7 to support you. You can consult with an experienced medical team member over the phone from the comfort of your home.


No need to submit claim forms or wait for approvals and reimbursements. We will load money onto your PassportCard, where and when you need it.

As an expatriate, have you thought about your private health care abroad?

Here you can start a better health insurance for expats!

That’s What Our

Customers Says

Your customer service is a great advantage for me because I can speak my mother tongue. I was looked after by Ms Sabine. You can’t get a better service than this. She called me daily to ask about my well-being etc. This was EXCELLENT service and everything went smoothly. Your company can really count itself lucky to have such good employees. Thank you very much for this first-class service and the kind and helpful words from Ms. Sabine.

That’s What Our

Customers Says​


What a service. I had to use PassportCard for the first time today - and from the very first contact I received perfect service. The explanation, comprehensibility, speed, solution - everything went great. My contact person stayed on the line until really all questions were clarified. I did not have to wait or call back again. What more can you ask for? I felt like I was surrounded by good friends or as if I had a personal assistant. Everything was done perfectly in my interest and I didn't even have to say a word. I wish there were many more companies like PassportCard. Thank you very much !!!!


Your customer service is a great advantage for me because I can speak my mother tongue. I was looked after by Ms Sabine. You can’t get a better service than this. She called me daily to ask about my well-being etc. This was EXCELLENT service and everything went smoothly. Your company can really count itself lucky to have such good employees. Thank you very much for this first-class service and the kind and helpful words from Ms. Sabine.


I was admitted in December and was impressed by how fast treatment was approved and direct payment to the Hospital was arranged. This was literally within minutes.


Quick and easy communication with managers Very useful and comfortable mobile app. Comfortable use of debit card as insurance card.


I have requested my broker from AA Insurance to contact you in order to get a certificate which confirms the coverage of Covid 19 treatment. Within two days I received the document.... that’s an amazing service and I thank you so much for it. Very well done, please go on like that.


First of all, I would like to thank you personally! You were a great help, in particular to my husband, he could always count on your support and everything went like clockwork whenever you were involved! For this a very very big thank you!! I would also like to thank the whole PassportCard team very much, especially for the wonderful flower arrangement that was delivered to me last week! I have never experienced anything like it from any insurance company in my life!!


The service is exceptional, the advisers are very helpful and clear and have resolved the issues for me. It's very clear that you have a skilled workforce and I encourage you to keep it that way.


Very fast response and great customer service


The best customer service


I would like to thank you for your dedicated and professional care during my pregnancy and birth. In Australia I had a complicated pregnancy. I was accompanied personally and professionally by the customer service the whole time. I would especially like to mention Dar Batzir. The relationship with Dar began during my pregnancy, continued with personal support during my hospital stay, my birth and afterwards. I did not feel that Dar looked after me as an insurance customer care agent", but as a sensitive and caring person. It was a great relief for me to always have the same contact person in such a large company. The expert and sensitive care made it easy to handle all medical treatments so far away abroad. The bureaucratic effort was totally minimal and the reimbursements worked out smoothly. Once again my sincere thanks for this.


Your employees are incredible. Even if they don't have all the answers at hand, they do everything they can to help and find a solution. Their telephone availability is exceptional. There is actually no waiting time at all! My contact person was incredibly caring. She assured me at the beginning of the conversation that she would take care of everything. She called the clinic and in fact everything was taken care of perfectly. Excellent service, polite, sensitive and solution-oriented. It was really a pleasure. Definitely the best insurance company I have worked with in my life. Thank you very much.

Why PassportCard is your best choice​

With PassportCard Expat health insurance you have many advantages over other insurance covers. Here are the most important ones.

Other insurance covers
* When using the PassportCard, cannot be used in the USA.
24/7 in-house multilingual customer support
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Group 8
No out-of-pocket expenses- via the card we directly pay the doctor´s or the pharmacy´s invoice *
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Group 8
No claims forms, no hassle!
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Group 8

Our plans

We have designed a range of solutions offering varied levels of cover to suit your needs in partnership with Allianz. All our products offer comprehensive hospitalization coverage, not only in your country of destination, but in the entire region it is part of.

Our plans include medical-travel coverage for emergency cases whilst you are travelling abroad, regardless of your chosen country of destination or zone of coverage.

Our plans include the benefit of payment with the PassportCard (not in the US), according to the card’s terms of use and the terms and conditions of the policy.

PassportCard - in Partnerschaft mit Allianz

No paperwork, no hassle

If you don’t feel well or had an emergency, the last thing you need is loads of paperwork to fill out. We trust you to tell us what you need, and you can trust us to sort everything out straight away. And, best of all, instead of you having to pay upfront and then claim it back, you can pay the doctor with your PassportCard.


No follow up:

Once a medical service has been provided and paid, you can just go on; there is no bureaucracy, no claim forms.

How to contact us?

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