Bdae Group
BDAE Group is a Hamburg-based licensed German insurance intermediary specializing in international health, legal, liability, accident, and unemployment cover for German-speaking expatriates, digital nomads, and corporate global-mobility programs; it has been wholly owned by MSH International (a subsidiary of DIOT-SIACI Group) since 2024.
- Company typePrivate
- Founded1995
- HeadquartersHamburg, Germany
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Bdae Group does
BDAE Group (legal entity: BDAE Holding GmbH, headquartered in Hamburg, Germany) is a specialized insurance intermediary founded in 1995 as the Bund der Auslands-Erwerbstätigen (BDAE) association and operating commercially since 1996. The company brokers international insurance products—primarily health, legal, liability, accident, unemployment, and daily sickness benefit cover—for German-speaking expatriates, digital nomads, students, retirees, and foreigners relocating to Germany, as well as for corporate clients sending employees on international assignments. Product tiers include EXPAT INFINITY (worldwide unlimited-duration cover), EXPAT FLEXIBLE, EXPAT PRIVATE, EXPAT GERMANY (for foreign residents in Germany), EXPAT BUSINESS, and EXPAT BUSINESS PREMIUM, supplemented by EXPAT LEGAL, EXPAT ACCIDENT, EXPAT HAFTPFLICHT, EXPAT JOB, and EXPAT CASH add-ons. BDAE holds a German insurance intermediary license under §34d(1) GewO and operates under the regulatory oversight of DIHK.
The company's distribution and service architecture combines direct digital channels (BDAE.com product finder, online application, My BDAE mobile app on iOS/Android, app.bdae.com self-service portal, 24/7 emergency hotline) with an indirect channel of licensed insurance brokers plus unlicensed tipsters/affiliates, and a separate B2B consulting arm (BDAE Consult, founded 2008) advising HR departments on legal, tax, social-security, and A1-certificate compliance for global assignments. AI capability is limited to "Emma," a digital health assistant combining a 24/7 chatbot with escalation to medical professionals. The core technology stack integrates contract data with MSH INTERNATIONAL's Service Portal in France for contract fulfillment; Allianz Partners became the risk carrier for the entire long-term health portfolio in January 2023.
Revenue is generated primarily through recurring insurance commissions embedded in premiums, supplemented by consulting fees from BDAE Consult and referral commissions via the tipster/affiliate program. Pricing is quote-based rather than publicly disclosed, varying by product, age, country zone (four pricing zones), deductible, and duration; billing is monthly. BDAE has been majority-owned by France-based MSH International since July 2017 (100% ownership achieved in 2024), itself a subsidiary of the French DIOT-SIACI Group. The company employs 11-50 staff, has won multiple industry awards (Assekuranz Jury Prize 2022 and 2023; F.A.Z. Institute Best Specialist Insurer 2019 and 2020; Hamburg Alliance for Families family-friendly employer), and supports German expats across MSH's global network spanning 194 countries.
Bdae Group firmographics
Firmographics- Name
- Bdae Group
- Legal name
- BDAE Holding GmbH
- Website
- https://bdae.com
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- BDAE Group is a Hamburg-based licensed German insurance intermediary specializing in international health, legal, liability, accident, and unemployment cover for German-speaking expatriates, digital nomads, and corporate global-mobility programs; it has been wholly owned by MSH International (a subsidiary of DIOT-SIACI Group) since 2024.
- Ownership category
- akta.pro rank
Bdae Group industry classification
Industry- Product category
- International Health Insurance
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)
- akta.pro primary industry
- Embedded Travel Insurance Distribution & APIs (THALALAA)
- akta.pro secondary industries
- International/Expat Critical Illness & Hospital Indemnity (FSAIAKAJ), Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB), Travel AD&D / Common Carrier Accidental Death Insurance (FSAIALAD), Group AD&D (Standalone or Bundled with Life) (FSAIADAG)
Keywords
Where Bdae Group is headquartered
LocationHeadquarters
- HQ city
- Hamburg
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Bdae Group business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Insurance Commission: BDAE acts as an insurance intermediary receiving commissions from insurance companies for brokering and servicing group/insurance contracts. These commissions are included within the insurance premiums. Additional non-contract-specific remuneration may be received from collaborating insurers.
- Sales Partner Referrals: Tipster/affiliate program where partners without insurance broker licenses can recommend products and receive commission for successful referrals.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Multiple insurance tiers available for different customer needs and budgets |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
Bdae Group product offering
Product offeringCore offering
BDAE Group is a Hamburg-based licensed insurance intermediary (§34d GewO) that designs, distributes, and services a portfolio of international insurance products — primarily international private medical insurance (IPMI) under the EXPAT brand — for expatriates, digital nomads, and globally mobile employees, complemented by legal expenses, personal liability, accident, daily sickness benefit, and unemployment cover. The company delivers these products through a self-service website and app, a broker/tipster partner network, dedicated B2B account management, and its own management consulting subsidiary (BDAE Consult) for global mobility compliance. Risk is carried by Allianz Partners and other partner carriers, with the company earning commissions and service fees.
Product overview
BDAE Group offers a comprehensive portfolio of international insurance products and services for expatriates, digital nomads, and companies sending employees abroad. The core offering centers on international health insurance products including EXPAT INFINITY (lifelong unlimited coverage), EXPAT FLEXIBLE (up to 5 years), EXPAT PRIVATE (premium coverage), and EXPAT GERMANY (for foreign residents in Germany). Business products include EXPAT BUSINESS and EXPAT BUSINESS PREMIUM. The product suite is complemented by add-on insurance products such as legal expenses insurance (EXPAT LEGAL), personal liability (EXPAT HAFTPFLICHT), accident insurance (EXPAT ACCIDENT), and Prospective Entitlement for maintaining coverage rights. Digital services include the My BDAE mobile app (iOS/Android) and Service Portal for claims submission and policy management. The company also provides consulting services through BDAE Consult for corporate global mobility needs. Since 2017, BDAE has been majority-owned by MSH International, a global leader in international health insurance solutions.
Differentiator
Problem solved
Functional benefit
Brands
- Expat Infinity: Worldwide and unlimited international health insurance for expatriates, including the Feel Good Package support service
- Expat Flexible
- Expat Private
- Expat Germany
- Expat Smart
- Expat Haftpflicht
- Expat Legal
- Expat Accident
- Expat Business / Expat Business Premium
- My BDAE
Products and services
- EXPAT INFINITY Worldwide and unlimited international health insurance for expatriates, emigrants, and people planning long-term stays abroad, including coverage for pre-existing and congenital diseases. Sold to private individuals planning open-ended stays abroad.
- EXPAT FLEXIBLE Worldwide basic international health insurance for stays abroad of up to five years, providing essential coverage for medium-term expatriates. Targeted at private individuals on medium-duration relocations.
- EXPAT PRIVATE High-performance worldwide international health insurance for stays of up to five years, offering premium coverage levels for demanding private expatriate clients.
- EXPAT GERMANY Health insurance for foreign residents in Germany with a maximum validity of five years, addressing the needs of non-German nationals moving to Germany for work or study.
- EXPAT BUSINESS International health insurance for expatriate and locally hired employees working abroad, tailored for corporate clients placing staff on international assignments.
- EXPAT BUSINESS PREMIUM Premium tier international health insurance for corporate clients, offering enhanced coverage and service levels for executive and senior expatriate programs.
- EXPAT SMART Flexible international health insurance that can be extended once by 24 months, designed for expatriates whose stay duration is uncertain.
- EXPAT VISIT Daily-rate international health insurance for short-term visitors abroad, providing short-duration medical coverage.
- EXPAT ACADEMIC International health insurance designed for students and trainees studying or undertaking vocational training abroad.
- EXPAT LEGAL / LEGAL PLUS Legal expenses insurance for expatriates living abroad, covering legal costs and disputes related to international stays.
- EXPAT ACCIDENT Accident insurance for expatriates, providing financial protection for accident-related injuries and disabilities sustained abroad.
- EXPAT HAFTPFLICHT Personal liability insurance for expatriates abroad, covering legal liability for damages caused to third parties.
- Prospective Entitlement (Anwartschaft) Reservation of insurance coverage rights, enabling customers to maintain eligibility for international health insurance during temporary returns to their home country.
- Assignment Management Services Corporate service for companies sending employees abroad, providing comprehensive legal, administrative, and advisory support across the international assignment lifecycle.
- BDAE Consult Management consulting subsidiary providing legal and tax advice for internationally assigned employees, including transfer contracts, social security schemes, tax matters, and A1 certificate compliance for HR and mobility teams.
- My BDAE App Proprietary iOS and Android smartphone application providing BDAE customers with digital insurance card access, invoice submission, claim status tracking, and direct messaging with the BDAE team.
- Service Portal (My BDAE web) Web-based insurance portal where policyholders upload insurance claims, edit contract data, view refund status, change address and account details, and contact customer service. Integrates with MSH INTERNATIONAL (France) for contract fulfillment.
- Emma (Digital Health Assistant) AI-powered chat-based digital health assistant integrated into BDAE's international health insurance products, providing 24/7 worldwide medical triage with optional escalation to live doctor consultations.
- Restkostenversicherung (Auslands-Restkostenversicherung) Residual cost insurance for corporate clients, covering remaining medical costs not absorbed by primary international health cover during international assignments.
- EXPAT CASH (Krankentagegeld) Daily sickness benefit insurance providing income replacement to employees during illness, designed as a corporate-group add-on for internationally assigned staff.
- EXPAT JOB (Arbeitslosenversicherung) Unemployment insurance for expatriates and internationally assigned employees, providing financial protection against involuntary job loss while abroad.
Quantifiable outcome
- Supporting over 500,000 expats worldwide
- +2 more outcomes
Companies that use Bdae Group
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles2 records
Bdae Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Bdae Group partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Allianz PartnerscoreDeepened cooperation where Allianz Partners became new risk carrier for BDAE's long-term health insurance policies including EXPAT INFINITY, EXPAT FLEXIBLE, EXPAT PRIVATE, EXPAT GERMANY, EXPAT BUSINESS, and EXPAT BUSINESS PREMIUM. Allianz had been providing assistance services for a decade prior. Also integrated digital health assistant Emma through Allianz.
- BDAE ConsultcoreSubsidiary founded in 2008 (known as BDAE Consult since 2011) specializing in legal and tax advice for work-related stays abroad. Supports HR departments with international assignment compliance including transfer contracts, social security schemes, tax issues, and A1 certificates.
- Detecon InternationalminorManagement consulting firm collaborating with BDAE on digital processes for EU reporting obligations for international employees (PWD Digital@Detecon project). Partnership since 2021.
- EssendiminorHR services company partnering with BDAE for international assignment support since 2007. Collaboration includes social security implications, A1 certificate reporting obligations, and tailored compliance solutions.
- ERGO Versicherung AGminorProfessional indemnity insurance provider for BDAE with coverage of €1,564,610 per insured event and €3,129,220 maximum annual payout for financial losses.
- MSH INTERNATIONAL (France)coreCooperation partner for service portal. When customers use the portal, data is transmitted to MSH INTERNATIONAL in France for contract fulfillment.
- People Mobility Alliance (PMA)minorCollaboration for webinar on duty of care for international employee assignments. Joint educational initiative for HR managers and travel managers.
Scale indicators5 records
Recent moves8 records
Expansion highlights7 records
Bdae Group competitors and assessment
Company assessmentDirect peers
- Now Health International: Now Health International is a specialist IPMI carrier serving individuals, families, and corporate clients worldwide. It is a direct competitor in the long-term international health insurance space with similar digital-first distribution and pre-existing condition cover.
- MSH International: MSH International is BDAE's 100% parent and a global IPMI specialist supporting 500,000+ expats across 194 countries. It operates the same international private medical insurance model with corporate and individual clients, serving as both parent and direct peer in the broader IPMI space.
- Allianz Care: Allianz Care is the international health insurance arm of Allianz Partners, serving expats and globally mobile customers across 75+ countries. It is both BDAE's risk carrier and the most direct competitor in the German IPMI market, offering overlapping long-term health products for expats.
- GeoBlue: GeoBlue is a US-focused international health insurance provider specializing in coverage for expatriates, frequent travelers, and global business travelers. It mirrors BDAE's expat-focused distribution model and offers comparable long-term international health products.
- Henner: Henner is a French international insurance broker and benefits administrator specializing in expat and corporate mobility solutions. As a similarly sized specialist intermediary (rather than carrier) with a comparable focus on group international insurance, it is one of BDAE's closest structural analogues in Europe.
- April International: April International is a French-based IPMI specialist offering health, disability, and expat insurance solutions. As a fellow DIOT-SIACI group entity (sister company to MSH International), it competes head-to-head in the European IPMI market with a comparable product mix.
- IMG (International Medical Group): IMG is an Indianapolis-based international medical insurance specialist serving individuals, families, and groups traveling or living outside their home country. Its product mix (long-term global medical, travel medical, group) closely mirrors BDAE's EXPAT portfolio.
Broad incumbents
- Aetna International (CVS Health): Aetna International provides international health, dental, and expatriate benefits solutions through CVS Health's global footprint. It targets the same corporate expat and globally mobile population as BDAE's EXPAT BUSINESS line, but at much larger scale.
- AXA Global Healthcare: AXA Global Healthcare is the international health division of AXA, providing IPMI and group health plans for expats and corporate clients. It competes with BDAE in DACH and across Europe with significantly broader scale and brand recognition.
- Cigna Global Health: Cigna Global Health is a major international health insurer offering IPMI and group benefits to globally mobile employees in 200+ countries. It competes with BDAE in the German and EMEA expat corridor with a much broader product portfolio and corporate footprint.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Bdae Group social profiles
Digital presenceBdae Group compliance and trust
Trust signalCompliance3 records
Bdae Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bdae Group leadership team
Management profileNumber of profiles
Profiles8 records
Bdae Group subsidiaries and ownership
Company hierarchySubsidiaries1 record
Bdae Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bdae Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bdae Group
What does Bdae Group do?
BDAE Group is a Hamburg-based licensed insurance intermediary (§34d GewO) that designs, distributes, and services a portfolio of international insurance products — primarily international private medical insurance (IPMI) under the EXPAT brand — for expatriates, digital nomads, and globally mobile employees, complemented by legal expenses, personal liability, accident, daily sickness benefit, and unemployment cover. The company delivers these products through a self-service website and app, a broker/tipster partner network, dedicated B2B account management, and its own management consulting subsidiary (BDAE Consult) for global mobility compliance. Risk is carried by Allianz Partners and other partner carriers, with the company earning commissions and service fees.
Is Bdae Group a public or private company?
Bdae Group is a private company. It is classified as corporate owned and is currently operating.
When was Bdae Group founded?
Bdae Group was founded in 1995. It employs 11 to 50 people.
Where is Bdae Group based?
Bdae Group is headquartered in Hamburg, Germany, in the Europe region.
How does Bdae Group make money?
Two revenue lines are on record. Insurance Commission is the primary driver. The others are sales Partner Referrals.
Who are Bdae Group's main competitors?
Direct peers on record are Now Health International, MSH International, Allianz Care, GeoBlue, Henner, April International and IMG (International Medical Group). Broad incumbents are Aetna International (CVS Health), AXA Global Healthcare and Cigna Global Health.
Does Bdae Group have an API?
No public API is recorded for Bdae Group.
What industry is Bdae Group in?
Bdae Group's product category is International Health Insurance. Its primary akta.pro industry code is THALALAA, Embedded Travel Insurance Distribution & APIs, with a secondary code of FSAIAKAJ, International/Expat Critical Illness & Hospital Indemnity. Its NAICS code is 524210 and its SIC code is 6411.