Insurance in Germany,
clearly explained in English
Your insurance partner in Germany — without the jargon
Moving to Germany means navigating one of the most regulated insurance markets in the world. Between statutory health insurance (GKV), private health insurance (PKV), liability, disability and life cover, the decisions you make in your first months can shape your finances for years.
We are independent insurance brokers based near Stuttgart, serving the Indian community across Germany in English. We are not tied to any insurer — our only obligation is to find the right cover for your situation, whether you just arrived on a Blue Card, started a family, bought a home, or founded a business.
Below you'll find free calculators, answers to the most common questions from Indian professionals in Germany, and a simple way to book a free consultation — in English, at your own pace.
Insurance challenges Indian professionals face in Germany
These are the issues we help our clients resolve every week — from the first week on German soil to long-term planning.
German-only paperwork and contracts
Policies, correspondence and claims forms come almost exclusively in German. Misreading a single clause can invalidate cover.
GKV vs. PKV decision without clear guidance
The choice between public and private health insurance is often irreversible and depends on income, family status and visa type.
Gaps in liability and disability cover
Personal liability (Haftpflicht) and disability insurance (BU) are considered essential in Germany but are unfamiliar to most newcomers.
Cover that doesn't travel back home
Many policies do not cover stays in India, repatriation or family members living abroad — we help you avoid that trap.
Overpaying for the wrong product
Without an independent comparison, newcomers often end up with overpriced cover or products that don't match their actual needs.
Family planning and child registration
Adding a spouse, registering newborns and choosing the right package for children requires timing and the right insurer.
Why Indian professionals choose us
English-speaking advisors
No language barrier — we explain complex German insurance topics in clear English and translate any documents you need to sign.
150+ insurance companies
Independent comparison across the entire German market. We are not tied to any single insurer and our advice is genuinely neutral.
Health insurance expertise (GKV & PKV)
We walk you through the long-term consequences of each option, including family coverage, returning to GKV, and repatriation.
Expat specialists
From visa-relevant insurance and first-year setup to optimising cover after a salary change — we know what matters at every stage.
Independent and fee-free for you
Our advice does not cost you anything. We are compensated by insurers through standard commissions, and we disclose them on request.
Personal, long-term relationships
You have one dedicated advisor who knows your situation — not a call centre. We help with claims, renewals and life changes for years.
How we work — in three simple steps
Free 30-minute consultation
By video call, phone or in our office near Stuttgart. We listen to your situation — visa status, family, income, plans — and answer your questions in English.
Tailored comparison and recommendation
We compare offers from more than 150 insurers and prepare a clear written recommendation with pros, cons and total cost over time.
Ongoing support for years to come
Once you decide, we handle the paperwork and stay your point of contact for claims, renewals, marriage, childbirth, moves and job changes.
Calculators & tools for your move to Germany
Use our free calculators to understand your German payslip, check whether private health insurance is an option for you, and estimate how much disability or retirement cover you really need.
Frequently asked questions
Get your free insurance check
Free and non-binding — we respond within 24 hours, in English.
Navigate German insurance with confidence
Book a free 30-minute consultation in English. No sales pressure, no hidden fees — just clear answers.