Individual Health
insurance plan
Healthcare coverage
for expats in Germany
Choose your plan out of
50 haelthcare companies
The British health insurance provider Morgan Price International Healthcare was founded in 1999 to offer powerful international and european health plans for expatriates all over the world and in Germany, too.
Morgan Price International Healthcare is not an insurer. The UK based managing general agent (MGA) or managing general underwriter (MGU) act on behalf of international insurers in terms of
If you are searching for a fitting private health insurance, comparing quotes by independent advisers from FinanzSchneiderei, we help you find the best available plan - for Germany or anywhere else.
There are a lot of points to consider when comparing different insurers. With so many factors in play, it can be time-consuming to pull up key information across every single insurer in the market, so why not ask an adviser for help?
Health Insurance. Made simple.
Easily find your health and visa requirements with Natali´s customer service.
Morgan Price Healthcare
starting from
Evolution Health Comprehensive Plan
Morgan Price Healthcare
starting from
Evolution Health Premium Plan
Morgan Price Healthcare
starting from
Evolution Health Elite Plan
Germany is known as a country with one of the best health care system worldwide. Anyway, there are two different health insurance systems, both equally valid and running in parallel. These are the public statutory health system and private health insurance.
However Freedom´s plans are not completely fullfilling the requirements to complete the insurance obligation acc. §193 VVG. Therefore the offered plan can't replace a german private or statutory health insurance. The contracts of Freedom comply with the Schengen Visa Code as proof of travel health insurance as requirement for stays in Germany.
We guide you through the healthcare system - professional and without extra costs.
The Morgan Price offers protection for the health insurance - worldwide
No matter if health insurance, travel insurance, accident insurance or other kinds of international health care, Morgan Price is proud of to be able to fulfill almost all the wishes and needs of the clients. Morgan Price offers insurance cover for individuals, familys or companys respectively firms.
By choosing an annually limited excess, discounts of up to 40% are possible
Because of maximum collectively insured sums, additionally unlimited own contribution could develop in individual cases.
Rare payment option gives up to 8% contribution discount!
European health insurance since 1999
Morgan Price has, like the most EAA-service providers, much more clients than the most german health insurer. Many million insured trust the company worldwide since decades. The FinanzSchneiderei insurance broker has checked and tested the tariffs from Morgan Price since many years. Because our health experts are always there for you, we already have made an good experience in cooperating. At the EAA-service provider Morgan Price we are able to report from the beginning from an excellent reimbursement.
Astrenska Insurance behind Morgan Price until 31.12.2017
As a specialist for international health insurance stands the Astenska Insurance Limited behind the Morgan Price until the end of 2017. Since 01.01.2018 the viewed company Elmo Insurance have taken the position as reinsurer of Morgan Price, which is connected with global and financally strong reinsurers. With qualitative Underwriting and financial strength, the company from Malta makes a decisive contribution to the international insurance market.
Since 2018 Elmo Insurance Ltd. draw the health insurance tariffs of Morgan Price as risk carrier.
The international acitve insurer from Malta was founded 1981 in England. Since 01. May 2004 the company in Malta is registered and authorized by the Malta Financial Services Authority (MFSA) as EAA-service provider. With the reinsurer from Malta, Morgan Price is already responding to the possible consequences of Britain´s exit from the European Union. If it comes to a tough BREXIT, the health insurance can act quickly from Malta.
Key Facts of Morgan Price Health Insurance
Products
Member Service
✔ In-Patient Direct-Billing
✔ Emergency Assistance
✔ Multilingual helpline
✔ Medical Advisory helpline
✘ Application fee
Covered areas
Area 1: Europe
Area 2: Worldwide Excluding USA
Area 3: Worldwide
Highlights
✔ Free processing of the claim
✔ Work together with other companies
✔ Higly Price Competitive
✔ Renew automatically
✔ 30 day guarantee for money back
✔ Innovative and quick to react to market changes
✔ The modular product allows flexibility
✔ The company keeps contact with you
German Statutory Healthcare policy within meaning of the Section §193 VVG | |
Cover includes out-patient, dental and inpatient benefits | fulfilled |
Max. excess of in- and outpatient cover less than 5.000 € | not guaranteed |
Scope of benefits meet substitutive healthcare policy | partly fulfilled |
Substitutive health insurance § 146 VAG | |
Premium includes saving reserves | not fulfilled |
No cancellation by provider due to non-payment |
not fulfilled |
Visa division for stays in the Schengen area | |
Cover in case of medical emergencies>30.000 EUR | fulfilled |
Medical emergency coverage | fulfilled |
Home country evacuation | fulfilled |
Assistance in case of death | fulfilled |
Table of benefits | Standard | Standard Plus | Comprehensive | Premium | Elite |
This is the maximum amount of money we will pay to, or on behalf of, each insured person in each period of insurance | 500.000 | 750.000 | 1.000.000 | 1.500.000 | 2.000.000 |
In-patient hospital stay, including | |||||
Hospital accommodation, nursing, theatre and ICU/HDU costs | Full refund | Full refund | Full refund | Full refund | Full refund |
Surgeons’, anaesthetists’ consultants and physicians’ fees |
Full refund | Full refund | Full refund | Full refund | Full refund |
Physiotherapy |
Full refund | Full refund | Full refund | Full refund | Full refund |
Internal prostheses, medical aids/devices where used as an integral part of a surgical procedure | Full refund | Full refund | Full refund | Full refund | Full refund |
Prescribed drugs and medicines |
Full refund | Full refund | Full refund | Full refund | Full refund |
Diagnostic procedures including x-rays, pathology and MRI/CT/PET scans |
Full refund | Full refund | Full refund | Full refund | Full refund |
Day-patient treatment when a period of recovery is required in a hospital bed |
Full refund | Full refund | Full refund | Full refund | Full refund |
Parental hospital stay for one insured person to stay with an insured child (under age 19) who is an in-patient |
Full refund | Full refund | Full refund | Full refund | Full refund |
Cancer treatment from the date an insured person is diagnosed as suffering from cancer, all and any treatment will be assessed and paid for under this benefit | Full refund | Full refund | Full refund | Full refund | Full refund |
Out-patient minor surgery where no period of recovery is required in a hospital bed | Full refund | Full refund | Full refund | Full refund | Full refund |
Out-patient services, including | |||||
Physician and consultants fees Prescribed drugs, medication and dressings |
1,000 for treatment received within 6 weeks following an eligible in-patient hospital stay |
2,500 | 5,000 | 10,000 | Full refund |
Diagnostic tests, x-rays, pathology |
Not covered | Full refund (up to limit shown in Section B) | Full refund (up to limit shownin Section B) | Full refund (up to limit shown in Section B) | Full refund (up to limit shown in Section B) |
MRI/CT/PET scans |
Not covered | Full refund | Full refund | Full refund | Full refund |
Physiotherapy |
Not covered | 500 | 1,000 | 1,500 | 2,000 |
Medical aids and devices including the hire of mobility aids |
Not covered | 500 | 1,000 | 1,500 | 2,000 |
Complementary therapies, including chiropractic, homeopathy, osteopathy, acupuncture, ayurvedic, herbal and Chinese medicines, with registered practitioners and associated prescribed drugs and medicines |
Not covered | 500 | 1,000 | 1,500 | 2,000 |
Hormone replacement therapy to relieve the symptoms of the menopause |
Not covered | Not covered | Not covered | 250 | 350 |
Chronic medical condition treatment | Covered within benefits 1, 2 & 3 above | Covered within benefits 1, 2 & 3 above | Covered within benefits 1, 2 & 3 above | Covered within benefits 1, 2 & 3 above | Covered within benefits 1, 2 & 3 above |
Hospice care treatment for an insured person who is terminally ill and cared for in a hospice | Full refund - Maximum 14 nights | Full refund - Maximum 14 nights | Full refund - Maximum 14 nights | Full refund - Maximum 14 nights | Full refund - Maximum 14 nights |
HIV and AIDS treatment where contracted as a result of a blood transfusion |
Not covered | Not covered | 2,500 each insured period Up to 37,500 lifetime limit | 5,000 each insured period Up to 37,500 lifetime limit | 7,500 each insured period Up to 37,500 lifetime limit |
Wellness screening including cancer screening and routine health tests for early diagnosis of medical conditions | Not covered | 100 | 200 | 500 | 1000 |
Travel vaccinations/preventative medications for overseas travel | Not covered | 50 | 75 | 100 | 150 |
Emergency dental treatment - dental treatment required immediately following an accident to repair sound natural teeth | Full refund | Full refund | Full refund | Full refund | Full refund |
Non-emergency routine dental treatment including routine examinations, x-rays, moulds, cleaning/polishing, fillings, extractions (except wisdom teeth) | Not covered | Not covered | 750 | 1000 | 1500 |
Non-emergency major dental treatment including crowns, inlays, bridges, dentures, root canal treatment and treatment of infections | Not covered | Not covered | 750 | 1000 | 1500 |
Extraction of wisdom teeth as an in-patient, out-patient or day-patient | Not covered | Not covered | Full refund | Full refund | Full refund |
Orthodontic treatment for insured children under age 19 | Not covered | Not covered | Not covered | 500 | 1000 |
Complications of pregnancy and childbirth | Not covered | 2500 | 10000 | 15000 | Full refund |
Normal pregnancy and childbirth | Not covered | Not covered | Not covered | 7500 | 10000 |
Paediatric benefit for the initial medical check-up of a newborn | Not covered | Not covered | Not covered | 150 | 300 |
Premature baby treatment received within the first two months following birth | Not covered | Not covered | Not covered | Full refund | Full refund |
Infertility benefit investigations into the medical cause of infertility, where both members are insured under this policy and when the couple’s treating physician believes there are symptoms and/or evidence to suggest a medical cause | Not covered | Not covered | Not covered | 2000 | 3000 |
Congenital benefit for conditions not discovered at birth but which can subsequently be corrected with surgery. A maximum lifetime limit applies to this benefit | Not covered | Not covered | Not covered | Full refund - Up to 20,000 lifetime limit | Full refund - Up to 20,000 lifetime limit |
Congenital/birth defects benefit for conditions diagnosed within one year of birth for babies conceived by natural means. A maximum lifetime limit applies to this benefit | Not covered | Not covered | Not covered | Full refund - Up to 20,000 lifetime limit | Full refund - Up to 20,000 lifetime limit |
Hospital cash benefit when in-patient treatment received is free of charge | 50 per night - Maximum 30 nights | 100 per night - Maximum 30 nights | 100 per night - Maximum 30 nights | 200 per night - Maximum 30 nights | 200 per night - Maximum 30 nights |
Maternity cash benefit payable on the birth of a child when no claim has been made under the maternity benefit | Not covered | Not covered | Not covered | 250 | 500 |
Convalescence cash benefit payable for each complete week of confinement to home (excluding first week) - benefit limited to 4 weeks in each period of insurance | Not covered | Not covered | Not covered | Not covered | 500 |
Emergency medical transportation of an insured person to the nearest suitable hospital when local medical care is inadequate and returning them to their country of residence after treatment, including the costs of a medical escort if necessary | Full refund | Full refund | Full refund | Full refund | Full refund |
Companion travel costs when accompanying an insured person during emergency medical transportation | Full refund | Full refund | Full refund | Full refund | Full refund |
Companion accommodation costs when accompanying an insured person during an emergency medical tranpsortation | Not covered | 100 - Maximum 10 nights per event | 150 - Maximum 10 nights per event | 200 - Maximum 10 nights per event | 250 - Maximum 10 nights per event |
Medical assistance costs including referral, medical advice and obtaining essential prescription medication | Full refund | Full refund | Full refund | Full refund | Full refund |
Dependent child travel costs for children under age 19 to travel to a destination of the insured person’s choice following their emergency medical transportation, or for a relative to travel to the desination of the children |
Economy Return Air Ticket |
Economy Return Air Ticket |
Economy Return Air Ticket |
Economy Return Air Ticket |
Economy Return Air Ticket |
Repatriation of the deceased when death occurs outside the home country |
Full refund |
Full refund |
Full refund |
Full refund |
Full refund |
Local burial or cremation when death occurs outside the home country |
1000 |
1000 |
2000 |
2000 |
5000 |
Emergency out of area treatment for emergency medical treatment and acute episodes of existing covered medical conditions, whilst the insured person is temporarily travelling outside their selected geographical area | 25,000 - Up to 30 days travel only | 25,000 - Up to 30 days travel only | 40,000 - Up to 30 days travel only | 70,000 - Up to 30 days travel only | 100,000 - Up to 30 days travel only |
Home country evacuation to an insured person’s home country (when the home country is within the selected geographical area). This only applies if this additional benefit has been purchased | Full refund | Full refund | Full refund | Full refund | Full refund |
As your german expert for the european health insurance we have made nearly exclusively the best experience with Morgan Price International Health Care since many years. Tehreby we constantly check new tariffs and offers on the market. Also in the benefit case and at the reimbursement we have made the best experience with Morgan Price health insurance since many years. That´s what our customers say:
Maximilan S. from Manchester:
With the Morgan Price I finally found a payable healthcare. This means that I get the best medical supplies in case of illness. Because of the FinanzSchneiderei there is also no language barrier for me.
Alexandra T. from London:
The Morgan Price pays medical bills quickly and easily. This company also process all my claims very quickly and without any problems. The team of the FinanzSchneiderei plan all transactions for me and discuss these things in german.
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Europäische Krankenversicherung - meist gesucht!
Individuelle Lösungen
FinanzSchneiderei Versicherungsmakler Kempten im Allgäu
Telefon: 0831 / 930 62 440
Mo. bis Fr. 8:00 bis 19:00 Uhr
SERVICE KEMPTEN - ALLGÄU
Auf der Breite 38a, 87439 Kempten / Allgäu
Europäische KV
FinanzSchneiderei Versicherungsmakler
Friedberg bei Augsburg
Telefon: 0821 / 907 86 440
Mo. bis Fr. 8:00 bis 19:00 Uhr
SERVICE AUGSBURG - FRIEDBERG
Paul-Lenz-Str. 1, 86316 Friedberg / Bayern
Maßgeschneidert
Ausländische EWR Dienstleister bieten umfassende Deckung der Kosten im Krankheitsfall. In Übereinstimmung mit den geltenden Vorschriften in Deutschland erfüllen die Angebote nur teilweise die Kriterien der Pflichtversicherung gemäß Art. §193 VVG. Beiträge werden u. a. ohne Altersrückstellung kalkuliert und sind nicht geeignet, die im deutschen Sozialversicherungssystem vorgesehene Kranken- und Pflegeversicherung zu ersetzen.
Erstinformation nach § 15 Versicherungsvermittlungsverordnung (VersVermV)
Die FinanzSchneiderei GmbH & Co. KG Versicherungsmakler führt die Erlaubnis §34c GewO der Stadt Kempten und ist als Versicherungsmakler nach § 34d Abs. 1 der Gewerbeordnung tätig, bei der zuständigen Behörde, der Industrie- und Handelskammer für München und Oberbayern, gemeldet und im Vermittlerregister unter der Nummer D-88UK-71CSR-84 registriert. Sie können diese Angaben bei der Registerstelle überprüfen: DIHK | Deutscher Industrie- und Handelskammertag e.V. | Breite Straße 29 | 10178 Berlin | Tel.: 0180-600-585-0 (20 Cent/Min aus dem dt. Festnetz, max. 60 Cent/Minute aus Mobilfunknetzen ) www.vermittlerregister.info . Die FinanzSchneiderei hält keine unmittelbare oder mittelbare Beteiligung an den Stimmrechten oder am Kapital eines Versicherungsunternehmens. Ein Versicherungsunternehmen hält keine unmittelbare oder mittelbare Beteiligung an den Stimmrechten oder am Kapital der Gesellschaft. Im Rahmen Ihres Beratungsangebotes erhält die FinanzSchneiderei für die erfolgreiche Vermittlung eines Versicherungsvertrages eine Provision vom Produktanbieter. Diese Provision ist somit nicht separat an die FinanzSchneiderei zu bezahlen, sondern bereits in der Versicherungsprämie enthalten. Soweit Vergütungsbestandteile durch den Kunden gezahlt werden müssen, erfolgt dies ausschließlich nur entsprechend einer gesondert zu treffenden schriftlichen Vergütungsvereinbarung. Schlichtungsstellen für außergerichtliche Streitbeilegung: 1. Versicherungsombudsmann e.V. | Postfach 08 06 32 | 10006 Berlin 2. Ombudsmann private Kranken- und Pflegeversicherung Postfach 06 02 22 | 10052 Berlin.
Die Wort-Bildmarke "FinanzSchneiderei" ist beim Deutschen Patent- und Markenamt unter der Registernummer 30 20 12 01 51 10 eingetragen.
Angaben zur KG:
Finanzschneiderei GmbH & Co. KG, Sitz Kempten (Allgäu)
Amtsgericht Kempten (Allgäu) | HRA 9452 | UmsatzsteuerID DE279901107
persönlich haftende Gesellschafterin:
Finanzschneiderei Verwaltungs-GmbH
Angaben zur GmbH:
Finanzschneiderei Verwaltungs-GmbH | Sitz Kempten (Allgäu)
Amtsgericht Kempten (Allgäu) | HRB 11237
Geschäftsführer beider Gesellschaften:
Ferdinand Steiner