Welcome to Germany! The German insurance system is considered one of the best, but also one of the most complicated in the world. Learn why, especially as an Expat, you need a neutral expert who speaks your language.
Welcome to the Bureaucracy Jungle
Those relocating to Germany are quickly confronted with terms like "Haftpflicht", "BU" or "PKV vs. GKV". What might have been regulated via the state or the employer in your home country is often your own responsibility in Germany. A mistake in choosing health insurance or neglecting private liability can become extremely expensive here.
Why neutral advice is important for you
Many Expats end up with large insurance agents or banks that only sell their own products. The problem: these tariffs are often not designed for the specific needs of international professionals. As an independent broker, I have access to the entire market and find the plans that are flexible enough for your life.
Expertise in English
Insurance terms are hard to understand even in German. That's why I offer my consultation completely in English. We discuss the details so that you really understand what you are signing. Also, visit my special English Section for more information.
Legally on your side
As an insurance broker, I am your legal fiduciary (Sachwalter). This means I am legally obligated to stand on your side, not the insurance company's. I am liable for my advice and guarantee you an independent market comparison.
Important topics for Expats:
- Health Insurance: Private or Public? What fits your income and your plans?
- Liability (Haftpflicht): Absolutely indispensable in Germany.
- Occupational Disability: Secure your income in the country where you are working now.
Conclusion: Arrive Safely
Focus on your new job and your new life in Germany. I'll take care of ensuring your insurance coverage is seamless and legally secure. Transparent, digital, and without language barriers.