Why Insurance in Germany Matters – And How to Choose the Right Coverage
Insurance plays a crucial role in Germany, where social systems and legal requirements make the right coverage essential for anyone living or working here. Having the right insurance can protect your health, income, and assets – and help you avoid unexpected financial burdens.
Key types of insurance in Germany include:
✔ Health Insurance (public or private)
✔ Liability Insurance
✔ Household Insurance
✔ Disability Insurance
✔ Life Insurance
✔ Legal Expenses Insurance
✔ Car Insurance (if you drive)
✔ Homeowners Insurance (Wohngebäudeversicherung) if you own a property
✔ Business and professional insurances (relevant for self-employed individuals and business owners)
People moving to Germany from abroad often have unique needs, which makes working with experienced advisors even more important. Only knowledgeable specialists have access to a broad pool of insurance providers and can offer tailored solutions based on each customer’s specific situation.
To ensure you get the best coverage, we always start with a detailed needs analysis: you’ll fill out a short questionnaire so we can fully understand your personal and professional circumstances. In a personal consultation, we then develop a customized strategy together, working through each insurance step by step in order of importance. We also review and update your insurance portfolio annually to make sure your coverage continues to fit your life.
Choosing and applying for the right insurance is critical to ensure your policy provides full protection when you need it most. Mistakes or gaps in coverage can mean denied claims or serious financial consequences in an emergency.
Our Streamlined Consulting Process – Beginning with a Personalized Health Insurance Advice for Expats
We are your dedicated service advisors, guiding you step by step through choosing the right health insurance in Germany. Choosing the right plan is a decision with long-lasting consequences — especially for expats, where visa requirements and specific conditions can make things more complex. That’s why we developed a proven process to provide you with reliable, personalized guidance and peace of mind.
Our 6-Step Consulting Process:
Step 1: Intro Call – A quick 15-minute call to get to know each other and understand your goals.
Step 2: Needs Assessment – If you’d like to proceed, we’ll send you a questionnaire to analyze your situation and prepare a personalized concept.
Step 3: Consultation – In a personal meeting, we review your current coverage, identify gaps, and explain their impact.
Step 4: Tailored Solutions – You’ll receive customized health insurance options based on your needs — whether private, statutory, or expat-related.
Step 5: Reflection & Questions – Take your time to decide and ask any final questions. A second meeting may be needed for complex cases.
Step 6: Application & Support – We’ll prepare and submit your application, guiding you every step of the way.
We remain by your side for any questions during the application process and beyond.
