We're Insurance for Expats — an independent, licensed insurance brokerage helping you find the right cover, whether you're just arriving or settling in for good.
Most people navigating German health insurance for the first time end up talking to whoever their employer, landlord, or a random comparison website points them to. That's rarely the same as getting advice that's actually built around your situation.
As an independent brokerage, we compare over 100 statutory and private insurers and recommend what genuinely fits your income, career plans, and life in Germany.
Pick the path that matches your plans in Germany — each leads to a different next step.
Newly arriving in Germany and need proof of health cover for your entry visa application? Incoming insurance is fast and straightforward — compare Basic and Pro and apply directly online, no consultation needed.
Planning to build your life in Germany? Private health insurance (PKV) should be matched carefully to your income, career, and family plans — this is where independent advice makes the biggest difference.
If any of these sound familiar, that's exactly what our free online check is for.
It depends mainly on your employment status and income. Employees below Germany's statutory income threshold are usually required to have statutory insurance (GKV); above it, and for freelancers and civil servants, private insurance (PKV) often becomes an option — sometimes the better one. Our free online check walks you through this in a few minutes.
Applying for an entry visa from abroad usually calls for incoming insurance; a long-term residence permit requires full German health insurance (GKV or PKV) instead. See the full breakdown.
Not automatically — incoming insurance and long-term GKV/PKV cover are separate products. Once you're applying for a residence permit, you'll need to switch to full German health insurance, so it's worth planning that transition ahead of time.
Your income largely determines whether you're required to have statutory insurance (GKV) or free to choose private insurance (PKV). The relevant threshold changes periodically, so it's worth checking your current eligibility rather than relying on a number you read somewhere.
It depends on which system you're in and what you're moving to — some changes are straightforward, others, like leaving PKV, are hard to reverse. This is exactly the kind of situation worth checking before you make a move, not after.
Answer a few quick questions in our free tool to see whether incoming insurance or private health insurance (PKV) fits your situation.
Depending on your situation, a direct application may be possible — for example, incoming insurance can usually be arranged online right away, no consultation needed.
If your situation calls for it, we set up a personal consultation — by video or phone, in English — and our experts take the time to understand your individual situation.
You get a personal recommendation from over 100 statutory and private insurers, and we take care of applying for the insurance that fits you — staying your point of contact for job or family changes down the line.
We're a licensed, independent insurance brokerage based in Germany, specializing in health insurance for expats in Germany — from incoming visa cover to long-term private health insurance (PKV).
Our small, dedicated team — from initial scheduling to ongoing support — compares over 100 statutory and private insurers, so every recommendation is based on what actually fits your income, career plans, and life in Germany. Once you've done our free online check, we'll talk it through by video or phone, in English, until it actually makes sense.
"Friendly, professional, and always reachable. The team helped me find the right insurer efficiently, explaining everything clearly whenever I had questions."
"More than satisfied with the advice I received. They take real time to understand individual needs and always have your best interest in mind — honest recommendations, not sales tactics."
Run our free health insurance check first — it takes about 3 minutes and shows you whether incoming insurance or long-term private cover (PKV) fits your situation. If a personal conversation makes sense afterwards, we'll set one up.
Free & non-binding · Takes about 3 minutes.