For Expats In Germany
The German insurance system is one of the most complicated in the world.
Almost all risks can be covered by an appropriate German insurance product, however we know from experience that it is quite confusing and time-consuming for expats to identify and select the right insurance cover for their specific needs.
As independent insurance brokers we enjoy the freedom to analyse and select the best insurance solution cover for our clients amongst more than 120 insurance providers. We can make sure that our clients obtain the best price/performance ratio an insurance can provide while their stay in Germany.
Last but not least we offer our clients with international multi-location exposure special insurance solutions which provide english wording and global insurance protection.
Insurance For Expats
More Than 10 Years Of Experience
The following scenarios will give an impression which type of health insurance scheme might be suitable:
Employees who live with their families in Germany and have a gross income of less than 57,600 € in 2017:
Only public health insurance (GKV) might be accessible for you, however the wife/husband and all children living in the same household are co-insured are covered as well without additional contribution. The benefit of public insurance comprises basic medical treatment in Germany and EU countries. The employer contributes around half of the premium. However the monthly rate varies with income. The higher the earning the higher the premium.
Self-employed expats and employees earning more than 57.600 € gross income in 2017:
A private health insurance covers high quality medical treatments all over the world and allows free choice of specialist doctors, hospitals, physicians and dentists. However the applicant must be in a good health condition in order to be accepted by the provider. Also for an employee the company contributes 50% of the premium including a contributioni for spouse. The premiums are mostly much more favorable than public insurance despite much better benefits. The monthly rate does not vary with the income, it depends only on the entry age and benefits chosen.
Please note that the mentioned cases show a window of the complex health insurance field. In any case it is highly recommendable to consult a professional insurance broker in order to check upfront insurability and to find the best plan among 120 insurance providers companies and more than 700 different tarifs..
As in Germany most of the severe legal problems are solved by court, regardless if there are disagreements with tax authorities, employers, landlords or merchants we strongly recommend to take on a legal insurance.
Especially for an expat, living abroad and experiencing totally different traditions and legal systems from home and not understanding the complicated foreign terminologies.
The legal insurance covers all costs related to expenses for attorneys and court no matter if you win the case or not. If you are self-employed you will need a special coverage for professionals.
It includes your complete furniture, clothes, computers and other valuable items that belong to your personal property.
For enquiries please contact us for an all risk coverage. The costs for this insurance also depend on the size of your home and if you are self-employed and work in your home using one room as your office. In this case it is necessary to insure the office equipment separately.
We strongly recommend to arrange a personal consultation in oder to analyse your individual situation so that we can provide you with the best coverage for your needs.
In case of an accident or severe illness that can cause disablement to work in your present job this insurance covers you with a regular income till you get retired (Age of 67).
The pension wil be paid out even when you take on another job in another area and if you go back to your home country.
The liability insurance protects you if you cause by accident or negligence injury to a person or his property. Damages of this kind can be obviously be very high.
For more loads more of money.
Please note that this third-party private liability insurance will not provide cover for car accidents as this risk must be covered by a seperate vehicle car liability insurance, which is obligatory in Germany.
This policy helps to offset the long term high financial losses and burdens which arise due to injuries due to an accident and the extra treatment and home adaptation costs which might arise due to the accident.
It may also include: costs for emergeny rescues, cover for some specified illnesses, accidental death payments and livelong accident pensions.
"I will never forget the help of some good friends when I moved to London. Everything in this great town seemed so new and unknown to me and of course there were also many bureaucratic issues I didn’t know about and had to deal with. After many years living in England I moved back to Munich and decided to assist people coming from abroad to get in touch with the city as easy as possible and to advise them in any kind of insurance needed for their stay in Germany."