Legal Notice & Initial Information

Welcome to Insurance for Expats!

You can download the legal initial information here: Initial Information

Information according to § 5 DDG and § 15 VersVermV

Mona Anbari
Reinsburgstr. 6
70178 Stuttgart
Germany

Contact:

Phone: +49-155 10473365
Email: hallo@healthsurance.com

Legal Status

Insurance broker with a license according to § 34d para. 1 of the German Trade Regulation Act (GewO).

Responsible Supervisory Authority:

IHK Region Stuttgart
Jägerstr. 30, 70174 Stuttgart, Germany

Registration number in the insurance intermediary register:

Registration number: D-V2AZ-EM583-07

Register Authority:

German Chamber of Industry and Commerce (DIHK e.V.)
Breite Str. 29, 10178 Berlin, Germany
📞 Phone: +49 (0)30 20308-0 (20 cents per call)
📧 Email: info@dihk.de
🔗 Online register: www.vermittlerregister.info

There are no direct or indirect participations of more than 10% in the voting rights or capital of an insurance company (pursuant to §15 para. 1 no. 10 VersVermV).

Arbitration Bodies for Out-of-Court Dispute Resolution

In case of disputes, customers may contact the following arbitration bodies:

Private Health Insurance

📍 Versicherungsombudsmann e.V.
P.O. Box 08 06 32, 10006 Berlin, Germany

📍 Ombudsman Private Health and Long-Term Care Insurance
P.O. Box 06 02 22, 10052 Berlin, Germany

Statutory Health Insurance

📍 Federal Government Commissioner for Patients’ Affairs
Friedrichstraße 108, 10117 Berlin, Germany
📞 Phone: +49 (0)30 184413420
📠 Fax: +49 (0)30 184413422
🔗 www.patientenbeauftragte.de

📍 Federal Insurance Office (Bundesversicherungsamt)
Friedrich-Ebert-Allee 38, 53113 Bonn, Germany
📞 Phone: +49 (0)228 6190
📠 Fax: +49 (0)228 6191870
🔗 www.bundesversicherungsamt.de

Advisory Services

Unless the customer has waived advisory services, activities include advice in accordance with legal requirements.

Type and Source of Remuneration

Remuneration may take the following forms:
✅ Service fees — a payment agreed upon directly with the customer
✅ Commissions included in the insurance premium — paid by the insurance company
✅ A combination of both models

The specific type of remuneration depends on the customer’s preferences and the insurance products arranged.

Responsible for Content according to § 55 para. 2 RStV:

Mona Anbari
Reinsburgstr. 6
70178 Stuttgart, Germany

Use of Artificial Intelligence (AI)

Some content on this website, especially texts and automated consultations, may have been created entirely or partially with the assistance of artificial intelligence. While these contents are regularly reviewed, no guarantee can be given for their accuracy or up-to-dateness.

Disclaimer

Liability for Content

The contents of our pages have been created with great care. However, we cannot guarantee the accuracy, completeness, or timeliness of the content. As a service provider, we are responsible for our own content on these pages according to § 7 para. 1 DDG and general laws. According to §§ 8 to 10 DDG, we are not obligated to monitor transmitted or stored third-party information or to investigate circumstances indicating illegal activity. Obligations to remove or block the use of information under general laws remain unaffected. However, liability in this respect is only possible from the time of knowledge of a concrete violation of the law. Upon becoming aware of any such legal violations, we will remove these contents immediately.

Liability for Links

Our offer contains links to external third-party websites over whose content we have no control. Therefore, we cannot assume any liability for these external contents. The respective provider or operator of the linked pages is always responsible for their content. The linked pages were checked for possible legal violations at the time of linking. Illegal content was not identifiable at that time. However, permanent monitoring of the content of linked pages is not reasonable without concrete evidence of a legal violation. Upon becoming aware of any legal violations, we will remove such links immediately.

Copyright

The contents and works created by the site operators on these pages are subject to German copyright law. Duplication, editing, distribution, and any kind of use outside the limits of copyright require the written consent of the respective author or creator. Downloads and copies of this site are permitted for private, non-commercial use only. Insofar as the content on this site was not created by the operator, the copyrights of third parties are respected. In particular, third-party content is marked as such. Should you nonetheless become aware of a copyright infringement, we kindly ask for a corresponding notification. Upon becoming aware of any legal violations, we will remove such content immediately.

Data Protection

The use of our website is generally possible without providing personal data. Insofar as personal data (such as name, address, or email addresses) is collected on our pages, this always takes place on a voluntary basis whenever possible. These data will not be disclosed to third parties without your express consent.

We point out that data transmission over the Internet (e.g. when communicating by email) may have security vulnerabilities. Complete protection of data against access by third parties is not possible.

The use of contact data published within the framework of the legal notice obligation by third parties for sending unsolicited advertising and information materials is hereby expressly prohibited. The operators of the pages expressly reserve the right to take legal action in the event of unsolicited promotional information, such as spam emails.

Google Analytics

This website uses Google Analytics, a web analytics service provided by Google Inc. (“Google”). Google Analytics uses so-called “cookies”, which are text files stored on your computer that enable an analysis of your use of the website. The information generated by the cookie about your use of this website (including your IP address) is transmitted to a Google server in the USA and stored there. Google will use this information to evaluate your use of the website, compile reports on website activity for website operators, and provide other services related to website usage and internet usage. Google may also transfer this information to third parties where required by law or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings in your browser; however, please note that if you do this, you may not be able to use all features of this website to their full extent. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Google AdSense

This website uses Google AdSense, a web advertising service of Google Inc., USA (“Google”). Google AdSense uses “cookies” (text files) that are stored on your computer and allow an analysis of the use of the website by you. Google AdSense also uses “web beacons” (small invisible graphics) to collect information. Through the use of web beacons, simple actions such as visitor traffic on the website can be recorded and collected. The information generated by the cookie and/or web beacon about your use of this website (including your IP address) is transmitted to and stored on a Google server in the USA. Google will use this information to evaluate your use of the website with regard to advertisements, compile reports on website activity and advertisements for website operators, and provide other services related to website and internet usage. Google may also transfer this information to third parties where required by law or where third parties process this data on Google’s behalf. Google will not associate your IP address with any other data held by Google. You can prevent the installation of cookies on your hard drive and the display of web beacons by selecting “do not accept cookies” in your browser settings (in MS Internet Explorer under “Tools > Internet Options > Privacy > Settings”; in Firefox under “Tools > Settings > Privacy > Cookies”); however, please note that in this case, you may not be able to use all features of this website to their full extent. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Generated with the legal notice generator of WebsiteWissen.com, the guide for website creation, website builders, and shop systems. Legal text by Kanzlei Hasselbach.