Insurance advisor for expats in Germany

Your personal english speaking insurance expert. Recommended by more than 150 expats and professionals based in Germany. No more wasting money for unnecessary insurances.

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Health Insurance

Car Insurance

Liability Insurance

Real Estate Insurance

Professional insurance consultant for english speaking expats

Due to the bureaucracy and the complex legal system, Germany has become the country of insurances. It has become very difficult to keep track and balance between the right coverage and over- and underinsurance.

As an expat, how are you supposed to know that you can protect yourself against financial damages from third parties with a liability insurance, but you need a special plan if you have children under the age of 7? Or that legal protection insurance without the „occupation“ module is of no use in the event of unfair dismissal or other problems at work? Or that your dependents have to pay tax on the money from term life insurance if the contract is not concluded in a certain constellation?

Due to the countless possibilities and the importance of being properly insured, it is important for the consultation to know the current life situation and to create and implement an individual insurance strategy based on this.

Advisor for private and public health insurance in Germany

Health insurance splits Germany into two classes. Literally. As a privately insured patient you get an appointment within the next 3 days, at many doctors you wait in a luxurious waiting room, in the hospital you enjoy regeneration in a 1 and 2 bed room and the operation is performed by the chief doctor. In addition, depending on your income, you may save a lot of money.

On the other hand, it can be expensive with children. And the wish into the public health insurance can be fulfilled partly only with difficulty. Also, the very precise selection and configuration of private health insurance is very crucial, because it is a modular principle. Aspects such as self-participation, dental benefits, protection abroad, the level of medical and additional benefits, etc. should be carefully selected.

With public health insurance, everyone is treated equally and the contribution is calculated according to salary. You can’t do much wrong here.However, one will not get beyond only the most necessary treatments and materials without additional insurance or private co-payment.

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Save money with your recommended insurance advisor in Germany


You do not need to insure the building if you do not own it. You don’t need 3 liability insurances. In case of damage, only the one that was taken out first will pay and the others are invalid. You do not need the „traffic“ module in your legal protection insurance if you do not have a car. If you set the daily sickness compensation insurance higher than your actual salary, you won’t get it all paid out and you’ll have wasted premiums.

Sounds funny and weird? Absolutely! But as an expat, how are you supposed to know what’s important? What really needs to be included and what is just a waste of money?

For this reason we first make an individual analysis and review of your situation. I check your contracts to see if they fit your insurance needs and wishes. Often money can be saved or dangerous insurance gaps can be filled.

Health insurance advisor for expats

Both the public and private health insurance systems have important advantages and disadvantages. Basically, there is no clear "better" and "worse". In terms of benefits and comfort, private health insurance wins with attractive options. However, if you have a family with several children, the public health insurance attracts you with its free family insurance. In addition, the public health insurance is obliged to accept, which can be an advantage. You can only switch to private health insurance if your annual salary exceeds 64,350€. A good state of health is required. For a decision between public health insurance and private health insurance, it requires a carefully prepared consultation and a competent contact person.

Car insurance advisor for expats

The most important benefits of the car insurance are the legally obligatory liability insurance, the partial cover insurance and the fully comprehensive insurance. The liability insurance covers all damages to third parties. This includes material damage, such as the car of the accident victim, lanterns, traffic signs, etc. It also pays for personal damages, such as the replacement salary in the event of an incurred disability for the crash victim. The partial coverage insurance covers, for example, theft, deer accidents, damage caused by maggots, glass breakage, fire and natural hazards. The fully comprehensive insurance is especially worthwhile for expensive cars. This insurance module covers the costs that go beyond the partial coverage insurance. This includes self-caused accidents and vandalism damage by unknown persons. The repair costs are fully covered. In the event of a total loss, the car is completely replaced. The "SF-Klassen" (The damage-free years) are decisive for the premium. The longer you have a car insurance and no damage has occurred, the cheaper the premium. There are considerable price differences whether you take out insurance for the first time or whether you already have a 10-year insurance history. The amount of the excess is also a deciding factor. Most choose a excess of 300/150, but this should be calculated individually to see what is most beneficial for you and your car. Because another important variable for the price is the car make, model and accident statistics for that specific car.

Liability insurance advisor for expats

Liability insurance protects you and your family from the financial consequences of material or physical damage to third parties. This can be the accidental dropping of a laptop at a friend's house, but also the personal injury and property damage caused by a car accident when carelessly crossing the street on a cell phone. ----------------------The household contents insurance replaces the entire inventory of the apartment or house at replacement value if it is damaged or destroyed by fire, water, burglary or storm and hail damage. Depending on the choice of insurance also if the fire was caused by a forgotten candle or if burglary occurs during the 4-week home trip. ----------------------------------Legal insurance covers the lawyer's fees and court costs to defend your rights. This can't be wrong with the bureaucracy in Germany. You are covered if someone or an authority wants to sue you and also if you sue someone to enforce your right. You can configure your individual coverage in a modular system. The selection consists of: Personal, Professional, Tenant, Landlord, Property Owner, Traffic, Internet, Criminal and Tax legal protection insurance. ------------------------------------- LIFE-TERM-INSURANCE: --------------When you are married, a new sense of responsibility comes over you overnight. This again reaches a new level with joint liabilities at the bank through a joint property and even more with children. What happens when one partner dies? At least the financial consequences such as a missing salary, outstanding liabilities, the children's education, etc. can be covered. The amount of the survivor coverage should definitely be calculated and insured based on the liabilities and the current costs of the standard of living. A rule of thumb recommends 3-5 times the annual salary. Depending on family status and liabilities. The following applies to this insurance: The younger it is concluded, the more favorable the premium is for life. And the acceptance of the contract on the side of the insurance company requires a healthy state of health.

real estate insurance advisor for expats

Homeowners insurance is an essential insurance for homeowners. It covers all damage to the building and all parts of the building that are permanently connected to the building (stairs, doors, windows). In case of a damage by fire, overvoltage due to lightning, explosion, tap water and storm/hail. Additional it is very important to carefully consider the coverage of natural hazards. This includes, for example, floods, such as the one in 2021 in central Germany, and backwater. Some insurances do not check for gross negligence, which is one of the most important additions. Many fires are caused by forgotten candles, for example. Especially with homeowners insurance, a careful selection, the right configuration and a considered decision are important.

Individual evaluation for english speaking clients

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SEO relevanter Text der erklärt warum DEIN financial consulting das beste und nachhaltigste für Expats in Deutschland ist. Hier auch verschiedene Job Positionen auflisten.

Financial Advisor and Consultant for expats and foreigner in germany
Marcel is able to clealry communicate and help with the best advice on insurance. Which not only gives clarity to the customer, but helps them understand the ways of insurance in Germany, a big thanks for all the help and advice.

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Your personal advisor for private and public insurance. Consultation especially for expats and professionals working and living in Germany.

More than 150 expats already rely on my advice and support.