Our consultation is free for you – no matter if you are new to Germany, self-employed, or running a company. You only pay the insurance premiums to the respective providers. There are no extra costs for our services and consultations. Even if you take out an insurance policy later, there are no hidden fees for you.
Many expats are unsure which insurance policies are truly necessary. Generally, we recommend:
- Liability insurance: In case you accidentally cause damage to someone.
- Household contents insurance: Protects your property against burglary, water, or fire damage.
- Health insurance: Mandatory in Germany – we help you find the right statutory or private solution.
- Legal expenses insurance (optional): Support in legal conflicts, e.g., with landlords or in traffic.
We advise you individually – depending on your life situation.
Yes. In Germany, you must take out your health insurance yourself – even if you are employed. We help you find the right statutory or private solution.
No problem – we also support you when you move away. We help you cancel your insurance policies in time or switch to international alternatives if needed. We also advise you on which documents or proofs you need and what you should consider to avoid unnecessary costs.
Yes, but your spouse may not receive passive income from abroad (e.g., through remote work). A mini-job is possible in Germany.
You can switch to private health insurance as soon as your gross income exceeds the annual income threshold (JAEG). This threshold is adjusted annually. Additionally, self-employed individuals, freelancers, and civil servants can switch to private health insurance regardless of their income.
Yes, many visa applications require appropriate insurance. We would be happy to advise you on this.
You automatically receive your social security number from the German Pension Insurance (Deutsche Rentenversicherung) as soon as you have your first job subject to social security contributions. If you need it or have lost it, we'll be happy to help you.
That depends on your industry, number of employees, and company structure. Common policies include: business liability, contents insurance, cyber insurance, and legal expenses insurance. We analyze your risk and put together a suitable package for you – without unnecessary extras.
Yes. With company health insurance or group accident insurance, you can provide additional coverage for your team – and increase your attractiveness as an employer. We advise you on suitable models, tailored to your budget.
Our initial consultation is free and non-binding. If you decide to work with us, you only pay the premiums for the selected insurance policies – no consulting fees to us.
Yes, for example, D&O insurance for liability risks or special occupational disability and health insurance policies for executives. We'll advise you on what to consider – depending on your role and company structure.
Absolutely. We analyze your current policies for gaps, over-insurance, or outdated terms – and openly tell you what you can keep and where a change would be beneficial.
Key insurance policies vary by industry and include: business liability, professional liability, legal expenses, etc.
You can offer attractive additional benefits through company health insurance (bKV), pension plans, or group insurance policies.
Yes, it increases the attractiveness of your company and ensures healthier employees.
Managing directors and senior executives (e.g., GmbH managing directors) should consider D&O insurance and special occupational disability coverage.
That depends on the income and the type of employment contract.
We offer individual insurance solutions, risk analyses, and consulting for companies of all sizes.
Generally from three to five vehicles, depending on the insurer.
That depends on your life situation – but the most important basics are:
- Liability insurance (for everyone!)
- Contents insurance (for your apartment or house)
- Legal expenses insurance (optional, but helpful)
We'll work together to see what makes sense for you – without trying to push anything on you.
Our consultation is free and independent. You only pay the premiums for the insurance policies you take out – but no fees to us.
Yes. We review your existing contracts, give you an honest assessment, and help you organize everything clearly – if you wish, even digitally in one place.
Simply contact us – via form, phone call, or WhatsApp. Afterwards, we'll discuss your situation, answer your questions, and provide suitable suggestions. Everything is transparent, without any time pressure.
No. We are completely independent and work with many different providers. This way, you get exactly what suits you – not what is most lucrative for us.
