BDAE Gruppe Reviews 

After an operation I had to pay 4 different invoices and then claimed back the expenses. My contact was Mrs Sonja Rech. She was extremely helpful and efficient and also effective. This was the very first time I had to use BDAE, and I am 100 percent convinced that I will promote their services in my circle of friends. Thank you

I'm very happy with the customer service. The reply time is short - nothing was longer than 3 days. And then you must always judge the quality of an answer - they are very helpful, very solution oriented and I have now written with 5 people.

Their processes could be a bit more digital, but they are on this and so for me it was no problem at all, all rock solid.

It was possible to even make the start date of my insurance 1 month later - even the month had already started - and even that I said this too late.

We have unfortunately on operation for my business partner (right 1 month after the contract started) and had a prompt communication and everything is insured!

Everything resonable for the customer here is possible. Of the few good things left in Germany, BDAE is one of them. Talk with them and see their service quality where we from HIPERSA trust in.

TLDR - RUN away from BDAE. You’re better off uninsured than signing up for this terrible company!

This company finds every excuse not to cover claim and you have to fight fight fight each time.

I signed up for BDAE around Feb this year and quit in October.

I’m 28, healthy no prior health issues. In the 8 months with BDAE I had 2 minor injuries from lifting and a few other routine check ups.

All of these are within the covered scope.

Each claim was met with a series of incredibly intrusive questionnaire. Even after submitting this, they still did not believe me and wanted a release of confidentiality from my doctors.

Each response from BDAE took 2-6 weeks so some of these claims literally took 4 months to get settled. For minor claims and no hospitalizations nor surgery.

I even messaged their CEO (PB) on LinkedIn and all he did was view my profile and not respond. It now makes sense why everyone else treated me terribly when even the CEO lacks basic professionalism!

I have never experienced a more unprofessional and unethical business in my life.

Conveniently they emailed me in July telling me my premium would be increased MIDTERM before even 1 year and stated this is within their rights.

BDAE - I will be throwing a massive party when you all go bankrupt. Until then, please save your wellbeing and choose any other insurance company than this piece of crap.

Great staff and great customer service.

I was insured abroad with BDAE’s Expat Classic for seven years. During that time, I only submitted three claims in total (around €1,000). Now BDAE refuses to reimburse a laboratory test that clearly falls within my insured period – without giving any explanation. Even when asked directly for a legal justification, they simply ignore me.

The communication is terrible: inquiries are ignored, and there is no transparency whatsoever. If they are already this unreliable with such a small claim, I do not even want to imagine what would happen in a serious case.

I can only strongly advise against getting insured with BDAE.

The good International Coverage in all the countries I have visited.
I liked this Insurance with all services and easy communication but just can't afford it anymore as I have only a small pension income.

Fast, reliable and friendly service.

refund times can takes up to 2 months.
If you have an out-patient invoice to get refund they will ask you clarifications and when you reply to them you won't get any reply or further clarifications.

Helpful, professional business which I would recommend to expats who are in Germany. Competitively priced with excellent customer service.