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0711 · 2172 3240
Schaden
For the Indian community in Germany

Insurance in Germany,
clearly explained in English

Independent insurance advice for Indian professionals, families and students in Germany. We compare more than 150 insurers and explain every clause in plain English — so you can make confident decisions about health, life, liability and disability cover.
Book a free consultation0711 · 2172 3240
Why a German broker matters

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

1

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.

2

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.

3

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

Yes — health insurance is mandatory for every resident in Germany. You generally choose between statutory (GKV) and private (PKV) cover. We help you pick the right option based on your income, family situation and long-term plans.
It depends on your income, whether your spouse works, how many children you have and whether you plan to stay in Germany long term. The decision is partly irreversible above certain income levels, so we strongly recommend a consultation before signing anything.
Yes. We are paid by insurers through standard commissions included in every policy. You pay exactly the same premium whether you go through us or directly — but you get independent advice, claims support and ongoing guidance.
Absolutely. We advise on family cover for health, liability, life and disability insurance, and help you add your spouse and newborns to existing policies at the right time.
Yes — we meet clients across Germany (and sometimes in India) by video call. You can also visit us in Leinfelden-Echterdingen near Stuttgart or call us on the phone.
Most German health insurance policies cover short trips abroad, but the rules differ between GKV and PKV. For longer stays or sabbaticals we recommend a dedicated expatriate policy — we'll walk you through the options.
Yes. We advise freelancers and founders on voluntary GKV, PKV, business liability, professional indemnity and old-age provision. Many of our Indian clients run IT consultancies and we know the specific risks.
Some policies can be paused, some can follow you internationally and others need to be cancelled. We plan this with you in advance so there are no surprises — especially with private health insurance where returning to GKV has strict rules.
English and German fluently. Many of our clients are also comfortable mixing English with Hindi phrases — we are used to it.
The simplest way is to book a free consultation via the form below or to call us directly. Within 24 hours we will schedule a call and prepare a first overview — at no cost and with no obligation.

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.

Book a free consultationCall us: 0711 · 2172 3240