German male and female doctors examining brain scans

International Health Insurance for Germany

Coverage for individuals and families living abroad full-time

Designed to help expatriates and their families access first-class international medical coverage in Germany, Aetna offers a wide range of options to fit your lifestyle.

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✔  Customer satisfaction over 96%
✔  365/24/7 support for you and your family
✔  Global medical network of 1.4 million medical providers
✔  Trusted by 55 million member worldwide

Moving to Germany?

The German Health Care System

Widely regarded as operating an excellent health care system that provides high quality care for all ages, Germany’s ‘Bismarck’ system is funded by independent health insurers. These insurers compete against each other for contributions from employers and employees alike. Since 2007, it has been mandatory for all expats to buy private health insurance from a registered insurer.

If you’re working in Germany, both you and your employer will pay into your health care insurance. But as a high-level expat earner, with an income of more than 4,000 Euros a month, you can opt out of state health insurance and take out your own private policy instead. Any policy must include everything your state insurance includes, such as cover for old age and chronic disease. This may well be a cheaper option for expats with high incomes, bringing with it all the benefits associated with private health care. We can help you to find the most cost-effective and comprehensive cover for yourself and your family.

Why Choose Aetna

Choosing Aetna International means putting your faith in us to provide high-quality, accessible health insurance plans and member services that meet your individual needs. It's our highest priority, and we don't take that responsibility lightly.

For us, the difference is the human touch. The ability to talk to someone who cares and has the knowledge and the power to help. The security in knowing we can help you or your loved ones to ensure their well-being — 24 hours a day, seven days a week, 365 days a year.

When you're away from home, you can rely on us as your partner in good health.

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You have been redirected to an Aetna International site. InterGlobal is now part of Aetna, one of the largest and most innovative providers of international medical insurance. We have combined our businesses to create one market-leading health care benefits company. This means we can better serve people who depend on Aetna International and InterGlobal to meet their health and wellness needs.

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For everyone’s safety during the COVID-19 pandemic, our office is currently closed to in-person, walk-in traffic.


To contact our local staff, call 671-472-3862 or email GovGuamServices@aetna.com from 8AM—5PM (Monday—Thursday), 9AM—5PM (Friday).

If you missed Open Enrollment, please contact your HR representative immediately.