Your Protection is my Mission: Expert Insurance Advice in English.
Navigating the German insurance jungle? I provide neutral, digital, and personal advice to expats across Germany.
Questions? Message me on WhatsApp or send an email – I usually reply within a few hours.
Why book your consultation with me?
Many expats worry about high costs for advice. But in Germany, insurance prices are regulated by law. This means you pay the same standard price, whether you buy alone or get my expert help. My consultation is already included in the price.
Market-standard premiums —
Expert guidance
included.
Registered Insurance Broker
Chamber of Commerce (IHK)
Neutral • Digital • Personal
Essential Insurance for Expats in Germany
Germany has a complex insurance system. For expats, some insurances are mandatory by law. Others are essential for your financial safety and even for getting an apartment.
Mandatory: Health Insurance
Everyone in Germany must have health insurance. You need it for your visa and your job. I help you find the best option for your lifestyle.
Check my health options →
Essential: Private Liability
This covers damage you accidentally cause to others. Most landlords will ask for this before you can rent an apartment.
Learn more →
Security: Income Protection
If you get too sick to work, the state gives very little money. This insurance protects your income and your standard of living.
Secure my income →
Expert Advice in English
I explain the complex terms in simple English. I am an independent broker, which means I work for you, not for an insurance company.
Book my free session →
Your Interests First: Why work with a Broker?
In Germany, there is a big difference between an insurance agent and a broker. It is important for your money and your safety.
I am on your side
Agents work for the insurance company. As a broker, I work only for YOU. I represent your interests, not the corporation's.
Almost the whole market
I am not limited to one company. I scan hundreds of providers to find the plan that truly fits your life and budget.
Claims support
If something happens, I help you with the official claim. I make sure everything starts correctly so you get your money faster.
Direct contact
No anonymous call centers or hotlines. You have my direct number and a partner who knows your history and contracts.
How we start your protection
Free Video Call
A short, relaxed talk online. No obligation, just getting to know each other.
Honest Analysis
We check your needs. I explain everything in clear English without complicated jargon.
Market Scan
I compare hundreds of providers to find the best value for your goals.
Your Decision
I give you my expert recommendation, but YOU always keep full control.
Long-term Support
As your life in Germany changes, I make sure your insurance grows with you.
Important for you: Working with me doesn't cost you a single cent extra. In Germany, the premiums are identical whether you buy directly from an insurer or through a broker. With me, you get the full expert advice and support in English included in the standard price. Additional costs only apply if you explicitly request extra, specialized services.
Our Insurance Services for Expats in Germany
As an independent insurance broker, I am not bound to any corporation. I am your neutral partner and find the best offers on the market for you.
Health Insurance
We help you choose between public (GKV) and private (PKV). We find the best fit for your job and your future.
Private Insurance
Liability, Household, and Legal protection. Essential covers that make your life in Germany easier and safer.
Income Protection
Protect your income if you cannot work anymore. A must-have for all professionals working in Germany.
Pension & Retirement
Build wealth with modern, ETF-based pension plans. High-yield solutions for your long-term financial freedom.
Insurance without the headache – Neutral & digital
I am Daniel Hüsken, and I want you to feel well taken care of when it comes to your insurance – without having to spend hours reading the fine print. Thanks to modern online consultation, it doesn't matter if you are in Hamburg, Munich, or Berlin.
What makes me different? I bring over 20 years of technical knowledge and use it to bring light into the insurance darkness. I translate bureaucratic jargon into clear advice and find solutions that actually make sense for you.
As an independent broker, I am not a salesperson for an insurance company, but your neutral representative. I stand legally on your side and pick the best options from the market for you.
Even if my roots are in Westphalia: We can exchange ideas in a relaxed way via video call. This saves you time and allows us to look at the details together digitally.
Frequently Asked Questions
What is the difference between Public (GKV) and Private (PKV)?
Public insurance (GKV) cost depends on your income. Private insurance (PKV) depends on your age and health. PKV often offers better services and faster doctor appointments.
Can I switch to Private Health Insurance (PKV)?
Yes, if you earn more than €69,300 per year (as of 2024). Freelancers and students can usually choose PKV regardless of their income.
Why is Liability Insurance (Haftpflicht) so important?
In Germany, you must pay for any damage you cause to others. This insurance protects your money and is usually required by landlords when you rent an apartment.
What happens to my pension if I leave Germany?
If you leave after less than 5 years, you might get a refund of your contributions. If you stay longer, you will get a German pension later in life, even if you live abroad.
Why do experts recommend Income Protection (BU)?
The state gives very little money if you cannot work. This insurance pays you a monthly pension if you become too sick or injured to work.
Do you offer consultation and contracts in English?
I provide consultation in English to help you navigate the German system. While some insurers offer English documents, many traditional contracts are only in German. I will help you understand the most important points.
Ready for your Insurance Check?
Let's find out how we can optimize your protection. Contact me today for a free consultation. I look forward to meeting you!