Is your consultation really free?

Yes. For standard products like Health, Liability, or Home insurance, the German insurance system includes a commission for the broker in every premium. If you go directly to the company, you pay the same price but miss out on independent advice and English support.

Are you independent or do you work for a specific company?

We are **independent brokers** registered under §34d of the German Trade Regulation (GewO). We are not owned by any insurance company and have access to over 100 different providers to find the best deal for you.

Do you provide advice in English?

100%. Our entire process, from the first consultation to the final policy documents and ongoing support, is handled in English. We translate the complex German "fine print" so you know exactly what you are signing.

Which insurance is mandatory in Germany?

The only insurance that is legally mandatory for everyone is **Health Insurance** (*Krankenversicherung*). However, for expats, **Personal Liability Insurance** (*Privathaftpflicht*) is considered essential, as you are legally liable for damages you cause to others with your entire private wealth.

Can you help with Public (GKV) and Private (PKV) health insurance?

Yes. We analyze your income, age, and long-term plans to recommend whether the public system (like TK) or a high-quality private plan is better for your specific situation.

Can I keep my insurance if I leave Germany?

Some policies can be converted or cancelled with a special right of termination if you move abroad. We help you choose "expat-friendly" contracts that offer the most flexibility.

What happens if I have a claim?

You don't have to deal with the insurance company alone. You contact us, and we handle the communication and documentation to ensure the insurance company pays out according to your contract.

How fast can I get covered?

For many digital-first providers, we can get you a policy number within minutes. For complex health insurance, the process usually takes 2-5 business days.

Independent Insurance Broker for Expats in Germany

Quick Summary

German insurance is notoriously complex, especially when your residency status or "Blue Card" visa depends on it. Most people talk to an insurance agent who only sells one company. We are independent insurance brokers (§34d). This means we don't work for the insurance companies—we work for you, comparing over 100 providers to find the perfect coverage.

Why Work With an Independent Broker?

Unlike a "tied agent" (Versicherungsvertreter) who is legally obligated to protect the interests of their specific company (like Allianz or AXA), an independent broker has a fiduciary duty to you.

100+ Providers

We aren’t tied to one brand. We scan the entire market.

Visa-Proof Advice

Accepted by the Ausländerbehörde for Blue Cards.

100% English

We translate the fine print so you know what you sign.

Our Consultation Services

We provide comprehensive advice across three core areas of expat life in Germany. Our goal is to ensure you are legally compliant while paying the lowest possible premium.

Mandatory

Health Insurance

The foundation of your life in Germany. Public (GKV) or Private (PKV).

Visa-compliant tariffs
Employer match check
Family coverage analysis
Digital application

Check Health Options

Asset Protection

Protecting your daily life from financial disaster (Liability, Home, Legal).

Privathaftpflicht check
Hausrat (Home) protection
Legal insurance setup
Contract review

Protect Assets

Pension & Provision

Long-term planning, private pensions, and disability insurance (BU).

Retirement gap analysis
ETF-based pensions
Disability protection
Tax-benefit optimization

Plan Future

3 Simple Steps to Better Protection

Initial Analysis

Tell us your visa type, income, and needs via our short English onboarding form below.

Expert Comparison

We scan the market and present you with the top 3 options that actually suit expats.

Digital Closing

We handle the application and communication with the provider. You get your documents digitally.

The Broker Advantage

If you ever have a claim or a dispute with the insurance company, I am your advocate. Instead of you fighting a large corporation alone, I use my 11 years of market leverage to ensure you get what you're entitled to.

Request Your Free Consultation

100% Free & Independent

Start Your Free Comparison

Fill out the form and we will find the best tariffs for your specific situation in Germany.

Market scan of 100+ providers
English speaking advisors
Official license (§34d GewO)
No hidden consultation fees

Expert Expat Insurance Consultation