Expat Flexible Plus

An overview of the requirements and benefits included with this plan. If there are other plans offered by the same company, you’ll find them on the bottom of the page.

Summary

BDAE Expat Flexible Plus offers enhanced unlimited medical coverage for long-term expatriates seeking premium protection during extended international assignments. With coverage durations up to 5 years and additional benefits over the Basic plan, it targets expatriates and long-term travelers who prioritize comprehensive medical security and are willing to pay higher premiums for enhanced coverage. The plan maintains the same exceptional flexibility as Flexible Basic while providing upgraded medical benefits.

Fact Sheet

Name	Expat Flexible Plus
Provider	BDAE
Age	0 to 66
Premium	€6.03 to €7.00 per day
Duration	1 month to 5 years
Minimum cancellation notice	1 month
Maximum number of medical extension days	1 month
Bookable after departure	included
Available coverage regions	WWE US / CA / UK / CH / BR / MX / SP / TH and Worldwide excluding USA

Highlights

Pros:

Unlimited medical coverage limit
Exceptionally long duration options (up to 5 years)
Enhanced benefits over Flexible Basic
Can be purchased after departure
Home country coverage included
High-risk sports coverage included
Medical extension options available (1 month)
Covers travelers up to age 66
Comprehensive worldwide coverage (excluding USA)

Cons:

Higher premium than Flexible Basic
No luggage or personal belongings coverage
No personal liability protection
No maternity coverage
No accidental death/disability benefits
Requires 1 month cancellation notice
Does not include USA coverage option
Age limit stops at 66 (lower than some competitors)

Medical Coverage (Illness & Accidents)

Medical Coverage Limit	Unlimited
Inpatient Coverage	included
Outpatient Coverage	included
Emergency Dental Coverage	included
Maternity Coverage	unavailable

Assistance

Emergency Assistance	included
Repatriation Coverage	included

Miscellaneous

Accidental Death and Disability Coverage	unavailable
High Risk Sports Coverage	included
Home Country Coverage	included
Luggage Insurance	unavailable
Personal Belongings Coverage	unavailable
Personal Liability Coverage	unavailable

Analysis

BDAE Expat Flexible Plus represents the premium tier of BDAE's long-term expatriate coverage, offering enhanced medical benefits while maintaining the same exceptional 5-year duration flexibility. It competes directly with other premium unlimited coverage plans but distinguishes itself through superior duration options and post-departure purchase flexibility.

Compared to other plans:

Vs. BDAE Expat Flexible Basic: Same core features but with enhanced medical benefits at higher premium rates
Vs. BDAE Expat Smart Premium: Flexible Plus offers longer duration (5 vs 3 years) and broader regional coverage
Vs. Dr. Walter ProTrip: Similar unlimited coverage but BDAE offers much longer durations and post-departure flexibility
Vs. Genki Traveler: Both unlimited coverage, but BDAE provides 5x longer duration and enhanced medical benefits

The plan positions itself as the premium choice for expatriates who need the highest level of medical protection during multi-year international assignments. Its enhanced benefits over Flexible Basic make it suitable for expatriates in high-risk locations or those with specific medical needs requiring premium coverage.

Best suited for:

Senior executives on long-term international assignments
Expatriate families requiring premium medical coverage
Digital nomads with higher medical coverage needs
Retirees in locations with expensive healthcare systems
Professionals in high-risk or remote international locations

However, the higher premium over Flexible Basic should be weighed against the specific enhanced benefits needed. Expatriates should supplement with separate luggage and liability coverage, and those requiring USA coverage should consider alternative plans.

All Plans Offered By BDAE

Plan	Duration	Age	Medical Coverage	Available Coverage Regions
Expat Flexible Plus	1 month to 5 years	0 to 66	Unlimited	WWE US / CA / UK / CH / BR / MX / SP / TH and Worldwide excluding USA
Expat Smart Premium	1 month to 3 years	0 to 74	Unlimited	WWE high cost countries and Worldwide excluding USA
Expat Smart Basic	1 month to 3 years	0 to 74	€300,000.00	WWE high cost countries and Worldwide excluding USA
Expat Flexible Basic	1 month to 5 years	0 to 66	Unlimited	WWE US / CA / UK / CH / BR / MX / SP / TH and Worldwide excluding USA
Expat Smart Classic	1 month to 3 years	0 to 74	€600,000.00	WWE high cost countries and Worldwide excluding USA

Expat Flexible Plus

Duration: 1 month to 5 years
Age: 0 to 66
Medical Coverage: Unlimited
Destinations: WWE US / CA / UK / CH / BR / MX / SP / TH and Worldwide excluding USA

Expat Smart Premium

Duration: 1 month to 3 years
Age: 0 to 74
Medical Coverage: Unlimited
Destinations: WWE high cost countries and Worldwide excluding USA

Expat Smart Basic

Duration: 1 month to 3 years
Age: 0 to 74
Medical Coverage: €300,000.00
Destinations: WWE high cost countries and Worldwide excluding USA

Expat Flexible Basic

Duration: 1 month to 5 years
Age: 0 to 66
Medical Coverage: Unlimited
Destinations: WWE US / CA / UK / CH / BR / MX / SP / TH and Worldwide excluding USA

Expat Smart Classic

Duration: 1 month to 3 years
Age: 0 to 74
Medical Coverage: €600,000.00
Destinations: WWE high cost countries and Worldwide excluding USA

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For full coverage details, terms, and conditions, refer to the provider's official documentation.
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