274 questions
What happens if someone dies in Germany without insurance?
The next of kin is responsible for costs. If no family can pay, the local authorities handle basic arrangements.
What does funeral insurance cover?
It covers burial, cremation, repatriation, and associated services. Some plans include international repatriation.
Is funeral insurance mandatory in Germany?
No, but without coverage, family members must cover funeral costs, which can range from €5,000 to €10,000.
Does my home country’s health insurance count in Germany?
For EU citizens, the EHIC covers basic treatment. Non-EU citizens must check agreements with Germany.
Can I combine pension contributions from multiple countries?
Yes, under EU regulations and bilateral agreements, pension contributions from different countries can be added together for retirement benefits.
How do social security agreements affect expats?
Germany has agreements with various countries, allowing pension, health, and unemployment benefits to be transferred or counted internationally.
Can I get coverage for my spouse if they do not work?
Yes, in public insurance, spouses without income can be included at no extra cost. Private insurance requires an additional policy.
What happens if my family moves to Germany later?
They must be insured under either family coverage (public) or a private plan. Family members must meet residency and income requirements for inclusion.
Can I insure my family abroad through my German health insurance?
Only if they reside in the EU or a country with a social security agreement. Otherwise, international health insurance is needed.
How much does supplementary insurance cost?
Prices vary but typically range from €10 to €50 per month, depending on the coverage level.
Is supplementary insurance worth it?
If you need better dental coverage, alternative medicine, or private hospital treatment, it can be beneficial.
Can I combine public health insurance with private supplementary insurance?
Yes, this is common for dental, hospital, and vision coverage.
What does supplementary health insurance cover?
It enhances public insurance benefits, covering dental care, private hospital rooms, alternative treatments, or international coverage.
Are there special insurance options for entrepreneurs?
Yes, private insurance providers offer income protection, business liability insurance, and professional indemnity insurance tailored for self-employed individuals
What happens if I stop freelancing?
If switching to employment, you will automatically enter the public pension and health insurance system. If leaving Germany, private contracts may need cancellation or adjustments.
Is pension insurance mandatory for freelancers?
Certain professions, such as artists, teachers, and journalists, must contribute to the state pension scheme. Others can choose private pension plans or voluntary contributions.
Do self-employed expats need health insurance?
Yes, self-employed individuals must arrange their own health insurance. They can opt for public health insurance (GKV) as voluntary members or private health insurance (PKV).
Do I need additional insurance as a cross-border worker?
Private supplementary insurance can help cover gaps in international healthcare access, especially for hospital stays or dental care.
What if I live in Germany but work abroad?
Your health insurance depends on the country of employment. Some countries require you to be insured where you work, while others allow coverage in Germany.
Can I use my home country’s health insurance in Germany?
In some cases, yes. EU residents with an S1 certificate can receive medical care in Germany while keeping their home country’s insurance.
Do cross-border workers need German health insurance?
If you work in Germany but live in another country, you can choose between German public insurance (GKV) or your home country’s system with an S1 form.
What happens if I don’t pay my insurance premium?
- Public insurers will still cover you but will restrict benefits.
- Private insurers may terminate your policy, leaving you uninsured.
How do I switch car or liability insurance?
- You can cancel annually with one-month notice before renewal.
- Special termination rights apply if premiums increase.
How do I cancel my private insurance?
- Provide written notice and proof of alternative coverage.
- Check your contract terms, as minimum durations may apply.
Can I get help understanding my insurance policy?
Yes! As your insurance broker, we explain everything clearly in English or German.
What should I check before signing an insurance contract?
✅ Coverage limits and exclusions.
✅ Cancellation terms (especially for private insurance).
✅ Language of the contract (ask for an English version if needed).
How can I avoid overpaying for insurance?
- Compare plans from multiple providers (we do this for you!).
- Avoid unnecessary add-ons that don’t fit your needs.
- Check for tax deductions to reduce costs.
What are the most common insurance mistakes expats make?
1️⃣ Not getting health insurance on time (mandatory from day 1).
2️⃣ Not having liability insurance, which is crucial in Germany.
3️⃣ Choosing the wrong health insurance plan (public vs. private).
4️⃣ Not checking insurance coverage when moving abroad.
5️⃣ Underestimating disability and pension needs.
Does Germany have insurance subsidies?
Yes, low-income earners and families may qualify for government subsidies for health and pension insurance.
Can I get a refund for overpaid social security contributions?
If you overpaid into the public pension system, you may be eligible for a partial refund if you leave Germany permanently.
How does private health insurance affect my taxes?
Private health insurance contributions can be partially deducted from your taxable income.
Can I deduct insurance premiums from my taxes in Germany?
Yes, many insurance types (e.g., health, pension, liability, disability insurance) are tax-deductible for employees and freelancers.
What happens if I get sick during a short stay?
Without insurance, you must pay for medical treatment out of pocket, which can be expensive.
Do I need insurance if I attend a short-term language course?
Yes, many language school visas require proof of health insurance for the duration of the stay.
Can tourists or visitors get health insurance in Germany?
Yes, travel health insurance is required for Schengen visa applicants and highly recommended for all visitors.
What insurance do I need for a working holiday visa?
Working holiday visa holders must show proof of private health insurance covering their stay in Germany.
Do artists, musicians, and self-employed creatives need special insurance?
Yes, many qualify for the Künstlersozialkasse (KSK), which subsidizes health, pension, and nursing care insurance.
Do seasonal workers need insurance?
Yes, short-term workers must have health insurance (either through the employer or a private plan).
What insurance is needed for freelancers and digital nomads?
- Health insurance (public or private, or international coverage if moving frequently).
- Professional liability insurance (for business-related risks).
- Occupational disability insurance (to protect against income loss).
Do I need special insurance as an au pair in Germany?
Yes, au pairs need a private health insurance policy, which is often arranged by the host family. It must cover medical treatments, emergencies, and repatriation.
What insurance do I need as a student in Germany?
- Students under 30 years old can join public health insurance (€120–€160/month).
- Students over 30 years old or in private universities must take private health insurance.
- Liability insurance is highly recommended for rental contracts and accidental damages.
How We Help You Find the Best Plan
As a broker specializing in expat insurance, we:
✅ Compare international health insurance providers to find the best plan for your needs.
✅ Negotiate group contracts for companies sending employees abroad.
✅ Assist in transitioning from German insurance to international coverage when moving out of Germany.
✅ Ensure compliance with visa and work permit requirements.
✅ Provide bilingual support to make the process easy and transparent.
Can International Health Insurance Replace German Health Insurance?
In some cases, yes:
- Short-term visitors (less than 1 year) can use international health insurance instead of German insurance.
- Freelancers and remote workers can opt for international plans if they are not bound to German social security.
- Company employees on foreign assignments can use international group plans instead of national insurance.
However, if you plan to stay in Germany long-term, you will likely need to switch to German public or private health insurance.
International Group Health Insurance for Businesses
For companies sending employees abroad or hiring international staff, we provide specialized group insurance contracts, ensuring:
- Standardized coverage for all employees regardless of location.
- Lower premiums through corporate agreements.
- Easy administration for HR departments.
- Compliance with local and international regulations.
Are hazardous work environments covered under standard policies?
No, some policies exclude high-risk professions. Specialized coverage is required for construction, chemical industries, and heavy machinery.
Does regular health insurance cover work-related accidents?
No, workplace accidents are covered by the employer’s occupational accident insurance (Berufsgenossenschaft). Self-employed individuals must arrange private accident insurance.
Do high-risk jobs require special insurance?
Yes, pilots, doctors, and engineers often need professional liability insurance or specialized disability coverage.
Does homeowner’s insurance cover tenant damages?
No, landlords need additional liability coverage for rental properties.
Is home insurance mandatory for property owners?
Not legally required but highly recommended, especially for mortgage holders.
What insurance do landlords need in Germany?
- Landlord liability insurance (protection from tenant claims).
- Building insurance (covering structural damages).
- Rental income protection (compensating for unpaid rent).
What happens if I become disabled long-term?
Occupational disability insurance replaces lost income. Public disability benefits exist but are usually low.
Is elderly care insurance mandatory?
Yes, nursing care insurance (Pflegeversicherung) is required in Germany and included in both public and private health insurance.
What does elderly care insurance cover?
- Home assistance (e.g., cleaning, shopping).
- Nursing home costs.
- Rehabilitation and therapy services.
Can foreigners qualify for long-term care benefits?
Yes, if they have contributed to German social security for a minimum period.
Can UK pensioners still use the S1 system?
Yes, but they must register with a German health insurer and provide proof of pension eligibility.
Are EU health insurance rules changing?
EU regulations remain, but new agreements may impact expats in the future.
Has Brexit affected British expats’ insurance in Germany?
Yes, British citizens must now apply as third-country nationals and may need private health insurance if not employed.
How to Get Started
- Schedule a free consultation via phone or video call.
- Send us your current insurance documents for a free policy review.
- Visit our office for a face-to-face consultation if you’re in Germany.
Our Promise: Stress-Free Insurance for Expats. We take care of all the complex details, so you can focus on enjoying your life in Germany!
Exclusive Broker Advantages
Unlike direct insurance providers, we:
- Offer independent advice (not tied to any single insurer)
- Provide access to exclusive group rates & special expat insurance plans
- Save you time by handling all the bureaucracy & communication
- Offer bilingual customer support for a stress-free experience
Assistance with Switching Insurance Providers
- We handle the cancellation process if you want to switch from one provider to another.
- We ensure there is no coverage gap, so you are always insured.
- If you’re moving back home or to another country, we help with deregistration and transition plans.
Special Expat Insurance Solutions
- We offer customized group insurance plans for employees sent to Germany by multinational companies.
- Our services extend to relocation agencies, ensuring their clients have proper insurance coverage from day one.
- We provide short-term insurance for those on temporary visas, freelancers, and digital nomads.
Claims Support & Legal Assistance
- We assist in filing claims and communicating with insurers, ensuring you get your benefits without unnecessary delays.
- If an insurance provider denies your claim, we guide you through the appeal process and help you escalate the case if needed.
- For disputes, we connect you with legal insurance options and provide guidance on consumer protection rights.
Ongoing Policy Management & Adjustments
- If your circumstances change (job switch, new family members, relocation, salary increase), we adjust your insurance accordingly.
- We review your policies annually to ensure they still match your needs and identify better options if available.
- If a new regulation affects your insurance, we update you and recommend adjustments if necessary.
Full Insurance Setup & Paperwork Assistance
- We handle the entire insurance application process for you, ensuring a smooth and quick approval.
- Our team helps you complete all necessary forms and documents in German, avoiding language barriers.
- We liaise directly with insurance companies to negotiate the best rates and coverage terms for you.
Personalized Consultation & Needs Assessment
- We analyze your personal situation (employment, residence status, family situation, etc.) to recommend the right insurance options.
- Our team provides free initial consultations in English and German to explain your legal obligations and coverage needs.
- We compare policies from multiple insurers, ensuring you don’t overpay or get unnecessary coverage.
How We Support You as Insurance Brokers
At our brokerage, we understand that navigating the German insurance system can be overwhelming, especially for expats. Our goal is to simplify the process and ensure that you get the best coverage at the best price, tailored to your individual needs.
How can I switch insurance providers?
Check your contract for cancellation terms. Public health insurance requires two months’ notice.
What if an insurance company refuses to pay my claim?
You can file a complaint with the German Financial Supervisory Authority (BaFin) or take legal action.
How can I avoid insurance fraud?
- Always check the insurer’s registration and reviews.
- Be cautious with cold calls offering insurance deals.
What should I do if my insurance claim is denied?
You can appeal the decision and seek legal advice if necessary.
What insurance do I need for a freelancer visa?
You must prove you have private or public health insurance to qualify for a visa.
Can I get health insurance if I have a student visa?
Yes, students under 30 can join public health insurance, while older students need private coverage.
What insurance is required for a German work visa?
- Health insurance (public or private)
- Pension contributions (if employed)
- Liability insurance (recommended)
Do I need health insurance for a Schengen visa?
Yes, you must have at least €30,000 coverage for emergency medical treatment.
Can foreigners apply for German long-term care benefits?
Yes, if they have contributed to the system through mandatory insurance payments.
What does long-term care insurance cover?
- Home assistance (e.g., cleaning, shopping)
- Nursing home costs
- Rehabilitation & physical therapy
Is long-term care insurance mandatory?
Yes, for everyone with public or private health insurance in Germany.
What is long-term care insurance (Pflegeversicherung)?
It helps cover the cost of assisted living, home care, and nursing homes.
What if I have private insurance and lose my job?
You may have to switch to public health insurance or arrange a temporary private plan.
Can digital nomads get German health insurance?
Yes, but many choose international health insurance for greater flexibility.
Do asylum seekers get health insurance?
Yes, through the Asylum Seekers Benefits Act, but coverage is basic.
Can retirees moving to Germany get health insurance?
Yes, but options depend on their country of origin and pension status.
What happens if someone steals my identity in Germany?
You should report it to the police, your bank, and relevant authorities. Cyber insurance can help with legal and financial recovery.
Does liability insurance cover cyber fraud?
No, but separate cyber insurance can cover fraud and online scams.
Do I need cybersecurity insurance in Germany?
If you handle sensitive personal data or shop frequently online, it’s recommended.
What is cybersecurity insurance?
Cyber insurance protects against identity theft, fraud, and data breaches.
Are exotic pets covered by insurance?
Some insurers offer policies for birds, reptiles, and exotic pets, but coverage is limited.
What does pet health insurance cover?
Depends on the plan, but often includes vet visits, surgeries, medications, and vaccinations.
Is dog liability insurance mandatory?
Yes, in some states like Berlin, Hamburg, and North Rhine-Westphalia. It covers damages caused by your dog.
Do I need health insurance for my pet?
Not required, but pet health insurance helps cover vet costs, surgeries, and emergency care.
Is rental income covered if my tenant doesn’t pay?
Only if you have rental income insurance, which compensates for unpaid rent.
What happens if my house is damaged by natural disasters?
Basic home insurance does not cover floods or earthquakes. You need elementary damage insurance.
Is mortgage insurance mandatory?
Not legally required, but some banks require life or disability insurance for mortgage approval.
Do I need insurance if I buy property in Germany?
Yes, homeowners should get:
- Building insurance (protects against fire, water damage, storms)
- Home liability insurance (if someone gets injured on your property)
- Landlord insurance (if renting out the property)
Can I get health insurance if I have no steady income?
Yes, but you must prove you can afford the payments. Some insurers offer low-income contributions.
Is personal liability insurance required for bank loans?
Not mandatory, but some banks may request life or disability insurance for larger loans.
Are my savings protected in Germany?
Yes, bank deposits up to €100,000 per person are insured under the German Deposit Protection Scheme.
Can I pay my insurance premiums with a foreign credit card?
Most insurers do not accept credit card payments for regular premiums.
Do I need a German bank account for insurance payments?
Most insurers require a SEPA bank account, but some accept international accounts.
Can I get legal insurance if I don’t speak German?
Yes, some insurers offer English-language legal services.
Does public health insurance cover legal disputes related to medical issues?
No, but legal protection insurance can help cover medical malpractice cases.
What types of legal protection insurance exist?
- Private legal protection (covers personal disputes)
- Employment legal protection (for job-related legal conflicts)
- Traffic legal protection (for car accidents and driving-related issues)
- Tenancy legal protection (for rental disputes)
Do I need legal protection insurance in Germany?
Not mandatory, but useful for situations like disputes with a landlord, employer, or insurer.
What is legal protection insurance (Rechtsschutzversicherung)?
Legal protection insurance helps cover legal costs for disputes related to contracts, employment, rental issues, and personal matters.
What happens if I don’t have disability insurance?
If you cannot work, you may need to rely on savings or government welfare, which is limited.
How do I apply for disability insurance?
You need to complete a health questionnaire and submit proof of your employment and income.
What is the difference between accident insurance and disability insurance?
- Accident insurance covers only work-related accidents.
- Disability insurance covers any medical condition preventing you from working.
Does public health insurance cover disability?
No, public insurance does not provide income replacement for long-term disability.
What if I change jobs or move abroad?
Most private policies remain valid even if you switch jobs or leave Germany.
Can foreigners get disability insurance in Germany?
Yes, but some insurers require a long-term residence permit.
How do I qualify for benefits?
You must be unable to perform at least 50% of your job duties for a certain period (usually 6 months).
How much does disability insurance cost?
Costs vary based on age, health, profession, and coverage amount. Premiums are lower for younger applicants.
Do I need disability insurance in Germany?
Yes, especially if you rely on your income to cover living costs. Government disability support is minimal.
What is occupational disability insurance (Berufsunfähigkeitsversicherung)?
It provides financial support if you become unable to work due to illness or injury.
Can foreigners apply for public unemployment benefits?
Yes, if they have contributed to German unemployment insurance and hold a valid residence permit.
Does Germany offer public disability insurance?
Yes, but benefits are low. Private occupational disability insurance is recommended.
What is disability insurance, and do I need it?
It provides income protection if you become unable to work due to illness or injury.
Can I get unemployment benefits if I lose my job?
Yes, if you have contributed to German unemployment insurance for at least 12 months in the last 30 months.
What is the no-claims bonus in car insurance?
A discount based on accident-free years. Some insurers accept foreign records.
Does my car insurance cover rental cars?
No, rental car companies offer separate insurance options.
Is bicycle insurance available?
Yes, you can insure bikes against theft and damage.
Can I use my foreign driver’s license for car insurance?
Yes, but insurers may require a German license for long-term coverage.
Is car insurance mandatory in Germany?
Yes, third-party liability insurance (Kfz-Haftpflicht) is required by law.
Does liability insurance cover my pets?
Small pets (cats, birds) are covered. Dogs require separate pet liability insurance.
Is flood or natural disaster insurance included in household insurance?
No, but elementary damage insurance can be added to cover floods, storms, or earthquakes.
Does household insurance cover theft?
Yes, it covers break-ins. For theft outside your home, you may need an additional “off-premises theft” option.
Does liability insurance cover rental property damage?
Yes, but only for accidental damage (e.g., broken windows, water leaks). Intentional damage is not covered.
Is renter’s insurance mandatory in Germany?
No, but highly recommended to protect against damage to personal belongings (fire, theft, water damage).
How do I choose the right Basisrente (Rürup) plan?
Consider:
✅ Guaranteed vs. fund-based plans (traditional vs. investment-linked).
✅ Tax benefits vs. payout taxation (personal income situation).
✅ Flexibility in contributions (adjustable premiums).
Can I combine the Basisrente (Rürup) with other pension plans?
Yes, it is common to combine the Basisrente with:
✅ Statutory pension (DRV) for employees. ✅ Private pension plans for more flexible retirement savings. ✅ Riester pension for state subsidies (if eligible).
How much should I contribute to the Basisrente?
There is no fixed minimum, but to maximize tax benefits, contributions should be aligned with annual taxable income.
How does the Basisrente (Rürup) compare to Riester and private pensions?
Feature Basisrente (Rürup) Riester Pension Private Pension Best for Self-employed, high earners Employees with state pension Flexible investors Tax benefits High tax deduction Government bonuses + tax benefits No special tax benefits Flexibility No early payout, annuity only Partially flexible, state support Full flexibility Inheritance No Limited Yes Can expats use the Basisrente (Rürup)?
Yes, if they are taxable in Germany. However, if they move abroad before retirement, taxation depends on double taxation agreements.
What are the disadvantages of the Basisrente (Rürup)?
❌ No early withdrawals – funds are locked until retirement.
❌ Payouts are fully taxable in retirement.
❌ No inheritance or transfer to heirs, unlike other private pensions.
What are the advantages of the Basisrente (Rürup)?
✅ Significant tax benefits during the contribution phase.
✅ Protected from garnishment (cannot be seized by creditors).
✅ Flexible contribution amounts – can be adjusted yearly.
How does the Basisrente (Rürup) work?
- Contributions are tax-deductible (up to €27,566 in 2024 for singles, €55,132 for married couples).
- Payouts are taxable in retirement, but often at a lower rate.
- Payments start at retirement age (67) and are non-transferable (no lump-sum withdrawal possible).
Who should consider the Basisrente (Rürup)?
✅ Self-employed and freelancers who do not pay into the state pension system.
✅ High earners who want to reduce taxable income through pension contributions.
✅ Employees looking for additional retirement savings beyond the statutory pension.
What is the Basisrente (Rürup pension)?
The Basisrente, also known as the Rürup pension, is a tax-advantaged private pension plan designed for self-employed individuals, freelancers, and high-income earners who are not covered by the statutory pension system.
How do I find the right drone insurance?
Consider:
✅ Coverage limits (at least €1 million recommended).
✅ Worldwide vs. EU coverage.
✅ Hull insurance if you have an expensive drone.
Are there legal restrictions for flying drones?
Yes, drone pilots must follow EU drone regulations, including:
- Registration of drones over 250g.
- Pilot certification for certain weight classes.
- Flight restrictions near airports, crowds, and sensitive areas.
Does drone insurance cover international use?
Most policies cover EU countries, but worldwide coverage requires additional clauses.
Do I need special insurance for commercial drone use?
Yes, if you use drones for photography, surveying, or other business activities, you need commercial drone insurance, which offers higher coverage limits.
Is drone hull insurance worth it?
If you own an expensive drone, hull insurance covers:
- Accidental damage (e.g., crashes, water damage).
- Theft and vandalism.
- Technical malfunctions (depends on the provider).
Are drones covered under private liability insurance?
Some private liability policies include drone coverage, but only for drones under 250g. Heavier drones require a separate policy.
How much does drone insurance cost?
- Private drone insurance: €30–€100 per year.
- Commercial drone insurance: €200+ per year, depending on coverage and usage.
What does drone liability insurance cover?
- Accidental damage to property (e.g., crashing into a car or building).
- Injuries to people caused by drone crashes.
- Legal defense costs if claims are made against you.
What types of drone insurance exist?
✅ Drone liability insurance (Pflichtversicherung) – Covers damages caused to third parties (e.g., injuries, property damage).
✅ Drone hull insurance (Kaskoversicherung) – Covers damage to the drone itself (e.g., crashes, theft, technical defects).
Is drone insurance mandatory in Germany?
Yes, liability insurance (Haftpflichtversicherung) is mandatory for all drone owners, regardless of whether the drone is used privately or commercially.
How do I choose the right e-scooter insurance?
Consider:
✅ Coverage type (liability only vs. full coverage).
✅ Theft protection if parking in public places.
✅ Accident coverage if using the scooter frequently.
Are there legal requirements for riding e-scooters in Germany?
Yes, riders must:
- Be at least 14 years old.
- Use bike lanes (where available).
- Not ride on sidewalks.
- Follow alcohol limits (same as for cars).
What happens if I cause an accident with my e-scooter?
- If insured: Your liability insurance covers damages to third parties.
- If uninsured: You must pay all costs yourself, including medical bills and property damage.
Can I insure my e-scooter against vandalism?
Yes, but only through comprehensive insurance, which includes vandalism protection.
Does e-scooter insurance cover theft?
Only if you have comprehensive insurance. Basic liability insurance does not cover theft.
Are rental e-scooters insured?
Yes, rental e-scooters (e.g., Lime, Tier, Voi) already include insurance in their rental fee. However, riders can still be held responsible for damages due to negligence.
Does my private liability insurance cover e-scooters?
No, private liability insurance does not cover e-scooters. A separate policy is required.
How much does e-scooter insurance cost?
- Liability insurance only: €30–€60 per year.
- Comprehensive insurance (including theft protection): €60–€120 per year.
What types of insurance exist for e-scooters?
- Liability insurance (Pflichtversicherung) – Covers damage caused to others (e.g., pedestrians, vehicles, property).
- Comprehensive insurance (Kaskoversicherung) – Covers theft, vandalism, and damage to your own scooter.
Is insurance mandatory for e-scooters in Germany?
Yes, all e-scooters that exceed 6 km/h must have liability insurance. A small insurance sticker (Versicherungsplakette) must be attached to the scooter.
How do I choose the best mobile phone insurance?
✅ Deductibles (some insurers require a co-payment).
✅ Worldwide coverage if traveling frequently.
✅ Inclusion of theft protection, especially for high-end phones.
How do I file a claim for mobile phone insurance?
1️⃣ Report the damage or theft to the insurer immediately.
2️⃣ Provide proof of purchase and a damage report.
3️⃣ For theft, file a police report (often required).
Do mobile phone providers offer insurance?
Yes, network providers (Telekom, Vodafone, O2) offer insurance, but their plans are often more expensive than independent insurers.
Can I insure a used smartphone?
Yes, but some insurers require the phone to be less than 3 to 6 months old at the time of insurance.
Does mobile phone insurance cover theft abroad?
Some premium policies cover international theft, but standard policies may only apply within Germany.
Does home or liability insurance cover phone damage?
- Household insurance (Hausratversicherung) covers theft in case of a break-in, but not accidental damage.
- Private liability insurance (Haftpflicht) does not cover damage to your own phone, only phones you damage that belong to others.
How much does mobile phone insurance cost?
- Basic coverage: €5–€10 per month
- Premium coverage (including theft protection): €10–€20 per month
What is not covered by mobile phone insurance?
❌ Intentional damage or negligence
❌ Loss of the phone (some policies exclude this)
❌ Damage due to software issues or viruses
What does mobile phone insurance cover?
✅ Accidental damage (e.g., drops, cracked screens, water damage)
✅ Theft (depending on the policy)
✅ Hardware defects after the warranty period
✅ Vandalism and misuse by third parties
Is mobile phone insurance necessary in Germany?
It is not mandatory, but recommended for expensive smartphones to cover accidental damage, theft, or technical defects.
How do I choose the right bicycle insurance?
✅ Full theft protection, especially if parking in public places.
✅ Accident and repair coverage, if using an expensive bike daily.
✅ Coverage for e-bikes and battery protection.
Does liability insurance cover bicycle accidents?
Yes, private liability insurance covers damages caused to other people or vehicles while cycling.
Does bicycle insurance cover international travel?
Many policies cover theft and damage within the EU, but worldwide coverage requires an additional clause.
Are e-bikes and pedelecs covered?
- E-bikes up to 25 km/h can be insured like bicycles.
- Faster e-bikes (S-Pedelecs) require liability insurance with a license plate.
Does bicycle insurance cover accidents?
Yes, comprehensive insurance covers repair costs after an accident, including damage to the frame, wheels, and battery (for e-bikes).
How much does bicycle insurance cost?
- Basic theft insurance: €30–€80 per year.
- Comprehensive insurance: €80–€300 per year (depends on the bike’s value).
When is separate bicycle insurance recommended?
For high-value bikes (€1,000+) or e-bikes that need full coverage for theft, damage, and accidents.
Does household insurance cover bicycle theft?
Yes, but only if:
- The bicycle is stolen from home or a locked storage area.
- A special add-on (Fahrradklausel) is included for theft in public places.
What types of bicycle insurance exist?
✅ Bicycle theft insurance – Covers stolen bikes, often as an add-on to household insurance.
✅ Comprehensive bicycle insurance – Covers theft, accidents, vandalism, and weather damage.
✅ Liability insurance for bicycles – Covers damages caused by cyclists to others (included in private liability insurance).
Is bicycle insurance mandatory in Germany?
No, bicycle insurance is not mandatory, but recommended for expensive bikes, e-bikes, and pedelecs to protect against theft and damage.
Do I need accident insurance at work?
Yes, employees are automatically covered by occupational accident insurance provided by their employer. Freelancers must arrange private coverage.
Am I insured if I work remotely for a non-German employer?
It depends on your residence status:
- You may need private international insurance if your employer is not paying German social security.
Are foreign employment contracts valid for health insurance in Germany?
Only if the employer is registered in Germany and contributes to the German social security system.
What insurance do I need if I open my own business?
- Business liability insurance (for damages to third parties)
- Commercial property insurance (for office equipment or stock)
- Cybersecurity insurance (if handling sensitive data)
Do I need professional liability insurance in Germany?
Yes, if your job involves advising clients (e.g., consultants, IT professionals, medical professionals). It protects against claims due to mistakes or negligence.
Do employers cover health insurance costs?
Yes, employers pay 50% of public health insurance premiums for employees. Private insurance contributions vary.
How do I set up a bAV?
1️⃣ Ask your employer about available options.
2️⃣ Choose between direct insurance, pension funds, or pension schemes.
3️⃣ Decide on contribution levels and sign a contract.
What happens if my employer goes bankrupt?
The pension is protected by the Pensionssicherungsverein (PSV), ensuring payouts.
How does the bAV compare to other pension plans?
Feature bAV (Occupational Pension) Riester Pension Private Pension Best for Employees Employees, families Self-employed, high earners Employer contributions Yes (often 15%+) No No Tax benefits High Moderate Flexible Inheritance possible Limited Yes Yes Do I need additional insurance if I work as a freelancer in Germany?
Yes, essential insurance for freelancers includes:
- Health insurance (public or private)
- Professional liability insurance (for financial protection against claims)
- Occupational disability insurance (to secure your income if you can’t work)
Can self-employed people get a bAV?
No, but they can use other pension plans like Rürup-Rente or private pension schemes.
What happens to my bAV if I change jobs?
- The pension can be transferred to a new employer if they use the same system.
- Some employers allow continuing contributions privately.
- If leaving Germany, benefits depend on international agreements.
Can I get a refund if I overpay my insurance contributions?
- Public insurance: Overpayments due to income changes may be refunded after an annual income review.
- Private insurance: Refunds depend on the insurer’s policies.
What are the disadvantages of the bAV?
❌ Lower net salary due to salary conversion.
❌ Limited flexibility – Funds are locked until retirement.
❌ Pension payments are taxable in retirement.
Can I get English-speaking insurance support in Germany?
Yes, some insurance providers offer English-speaking support, and we can assist you in finding one.
What are the advantages of the bAV?
✅ Tax savings – Contributions are tax-deductible.
✅ Employer subsidies – Many companies add contributions.
✅ Guaranteed pension payments at retirement.
Can I get insurance with pre-existing conditions?
- Public insurance: Covers pre-existing conditions without extra costs.
- Private insurance: May charge higher premiums or exclude specific conditions from coverage.
How does the occupational pension work?
- Employees can convert part of their salary into pension savings (Entgeltumwandlung).
- Employers often contribute at least 15% of the converted amount.
- Contributions are tax-free up to a certain limit.
What happens if my insurance application is rejected?
- Public insurers must accept all applicants if they are eligible (employees, students, certain self-employed).
- Private insurers can reject applicants based on health conditions. If rejected, you may need an alternative plan or expat health insurance.
How long does it take to get health insurance approval?
- Public insurance: Usually within a few days after submitting your application.
- Private insurance: May take longer due to required health checks and risk assessments.
How can I get help with my insurance questions?
Contact us via phone, email, or online consultation.
What documents do I need to apply for insurance?
- Passport & residence permit
- Employment contract or proof of self-employment
- Previous insurance proof (if applicable)
How do I find a good insurance provider?
We compare policies based on your income, profession, and coverage needs.
Can I change my insurance provider at any time?
Public insurance requires two months’ notice. Private insurance may have longer contract terms.
Can I get health insurance for short stays in Germany?
Yes, expat health insurance is available for temporary residents.
Is emergency medical evacuation covered?
Only if you have private international health insurance or a specific travel insurance policy.
Can I use German health insurance in my home country?
Only if Germany has a social security agreement with your country.
Do I need travel insurance if I already have German health insurance?
Yes, for extended trips outside the EU, as German insurance may not cover full medical costs.
Is the occupational pension mandatory in Germany?
No, but employers must offer it if employees request it. Many companies provide matching contributions.
Does my German health insurance cover me outside Germany?
- Public insurance: Covers basic treatment in EU countries through the EHIC card.
- Private insurance: May offer worldwide coverage, depending on the policy.
What is the occupational pension (bAV)?
The bAV is a company pension scheme where employees save for retirement with contributions from their salary and/or employer.
How can I get rental deposit insurance?
1️⃣ Check if your landlord accepts it.
Ask your broker
Does rental deposit insurance cover damages?
No, it only guarantees payment to the landlord. Tenants are still responsible for any damages. Liability insurance is recommended for rental damage protection.
What happens with my rental deposit insurance if I move out?
- If no damages or unpaid rent exist, the guarantee expires, and you stop paying fees.
- If claims arise, you must reimburse the insurance provider.
Can I switch from a cash deposit to rental deposit insurance?
Yes, if the landlord agrees, you can replace the cash deposit with an insurance guarantee and get your money back.
Who offers rental deposit insurance?
- Specialized insurance companies (e.g., R+V, Allianz, Deutsche Kautionskasse).
- Some banks and financial institutions also offer this service.
How much does rental deposit insurance cost?
- Fees range from 4% to 7% of the deposit amount per year.
- Example: For a €3,000 deposit, the annual cost is €120–€210.
What are the disadvantages of rental deposit insurance?
❌ Ongoing costs – Unlike a cash deposit, you don’t get the money back.
❌ Tenant remains liable – If the insurer pays the landlord, you must repay the insurer.
❌ Not all landlords accept it – Some prefer traditional cash deposits.
What are the advantages of rental deposit insurance?
✅ No large upfront deposit, freeing up cash.
✅ Quick approval, making it easier to rent an apartment.
✅ Accepted by many landlords, especially in large cities.
How does rental deposit insurance work?
- Instead of paying a cash deposit (usually 3 months’ rent), tenants pay an annual fee to an insurance provider.
- The insurer guarantees the deposit amount to the landlord.
- If there are damages or unpaid rent, the insurer pays the landlord and later claims reimbursement from the tenant.
What is rental deposit insurance?
Rental deposit insurance (Mietkautionsversicherung) replaces the traditional cash deposit and provides a guarantee to the landlord without requiring a large upfront payment.
Can I get a payout for being stuck in an elevator with annoying people?
Only if the insurer classifies them as extremely unbearable (proof required).
Who should consider elevator panic insurance?
✅ People who work in high-rise buildings
✅ Those with claustrophobia
✅ Elevator users who always press the wrong floor and panic
How much does elevator panic insurance cost?
- Basic plan: €5 per month (covers up to 30 minutes of entrapment)
- Premium plan: €10 per month (includes live chat support with a motivational coach)
What does elevator panic insurance cover?
✅ Compensation for lost time if you’re late due to an elevator breakdown
✅ Therapy sessions for those traumatized by the experience
✅ Emergency snack and water package if trapped for extended periods
Can I get a refund for unused health insurance contributions?
No, health insurance payments are non-refundable.
What is elevator panic insurance?
This fun insurance covers the emotional distress and inconvenience caused by getting stuck in an elevator.
What if I miss an important message?
A claim requires proof that the message was indeed life-changing (screenshot required, memes excluded).
Does German health insurance cover retirees living abroad?
If you receive a German pension, you may remain insured under Germany’s system in some EU countries.
Who should consider dead zone insurance?
✅ Frequent train travelers (especially in Germany ????????)
✅ Digital nomads who need constant connection
✅ People who panic when WhatsApp doesn’t deliver messages immediately
Can I switch from private to public health insurance if I return to Germany?
Only under specific conditions, such as taking a job with a salary below the threshold.
How much does dead zone insurance cost?
- Basic plan: €3 per month (covers short-term disconnections)
- Premium plan: €7 per month (compensates for entire road trips through rural areas)
What does dead zone insurance cover?
✅ Missed work calls (so you can blame it on the insurance, not bad reception)
✅ Reimbursement for “lost” messages from your crush
✅ Compensation for emotional distress when you can’t load memes
Can I continue paying into my German pension from abroad?
Yes, voluntary contributions are possible if you want to maintain eligibility for a German pension.
What is dead zone insurance?
This insurance compensates you for missed messages, lost calls, and social media withdrawal symptoms caused by network dead zones.
Will my insurance cover me after leaving Germany?
- Public health insurance ends when you deregister.
- Private insurance may offer international coverage, depending on the policy.
Can I cancel my German health insurance when leaving Germany?
Yes, but you must officially deregister (Abmeldung) and provide proof of new coverage abroad.
Is life insurance necessary for expats?
It’s not mandatory but recommended if you have dependents. Life insurance ensures financial security for your family.
Does insurance cover fertility treatments?
Public health insurance covers part of the cost, but only for married couples. Private insurance may cover more, depending on the policy.
Can I get health insurance for my parents if they move to Germany?
Your parents need their own health insurance. If they are retired and from the EU, they may use an S1 form from their home country. Non-EU retirees need private insurance.
Are vaccinations for children covered by health insurance?
Yes, all recommended childhood vaccinations are covered by public health insurance.
What happens if I need long-term medical care?
Germany has mandatory nursing care insurance (Pflegeversicherung), which covers part of the cost of long-term care. Additional private insurance is available.
What insurance do I need for my children?
Children are covered under family public insurance. Additional accident insurance and liability insurance are recommended.
Do I need additional insurance for pregnancy and childbirth?
Public insurance covers basic maternity care. Private insurance may offer better benefits, such as private hospital rooms or alternative treatments.
Can I add my family to my health insurance?
Yes, in public health insurance, spouses and children can be covered for free if they have no income. Private insurance requires a separate policy for each family member.
Is private retirement insurance necessary in Germany?
Public pensions may not be sufficient for a comfortable retirement. Many expats opt for private pension plans (Rürup, Riester, or private savings plans).
Do I have to contribute to the German pension system if I’m self-employed?
Only some professions (e.g., artists, journalists) are required to contribute. Others can join voluntarily or rely on private pension plans.
Can I withdraw my pension contributions if I leave Germany permanently?
Non-EU citizens can request a refund of their contributions if they leave the EU and have not contributed for five years. EU citizens cannot withdraw contributions but will receive a pension later.
What happens to my pension if I move to another EU country?
Your contributions may be counted toward your pension in your new country under EU coordination rules.
Can I receive a pension from Germany if I leave the country?
Yes, if you have contributed for at least five years. Many countries have agreements with Germany allowing you to receive pension payments abroad.
What happens to my pension contributions if I stay in Germany long-term?
You become eligible for a German pension after at least five years of contributions.
Can I transfer my pension contributions if I leave Germany?
Yes, depending on agreements between Germany and your home country.
Do I have to contribute to the German social security system?
Yes, if you are employed, contributions are deducted from your salary for health, pension, unemployment, and nursing care insurance.
Is my liability insurance valid worldwide?
Most plans cover damages within Europe; global coverage depends on the policy.
How much does liability insurance cost?
Usually between €50-150 per year, depending on coverage.
What is household insurance, and do I need it?
It covers damage to your personal belongings due to fire, water, theft, or natural disasters.
What does personal liability insurance cover?
It covers accidental damage to third parties (e.g., damaging a rented apartment or someone’s belongings).
Do I need liability insurance in Germany?
Yes, it’s highly recommended. If you cause damage to someone’s property or injure someone, you could be held financially responsible.
What does private health insurance cover?
More flexibility, better hospital care, faster appointments, and worldwide coverage (depending on the plan).
What is included in public health insurance?
Covers doctor visits, hospital stays, maternity care, prescriptions, and preventive check-ups.
Do international students need health insurance?
Yes. EU students can use their EHIC. Non-EU students must get a German health insurance plan.
What is expat health insurance?
A temporary private insurance option for newcomers who do not yet qualify for full German health insurance.
Can I switch from private to public health insurance?
Difficult but possible under specific conditions, such as employment changes or income reduction.
Can I switch from public to private health insurance?
Yes, if your annual salary exceeds the threshold (€77,400 in 2026) or if you are self-employed.
How do I register for public health insurance?
If employed, your employer will register you. If self-employed or a freelancer, you must apply directly with an insurer.
What happens if I don’t have health insurance?
Without insurance, medical treatment is expensive. You may also face legal consequences.
How do I choose the right health insurance?
Your choice depends on income, employment status, and long-term plans. We help you find the best option.
Can I use my foreign health insurance in Germany?
EU citizens with an EHIC (European Health Insurance Card) can get basic coverage. Non-EU residents usually need a German insurance plan.
What is the difference between public and private health insurance?
- Public health insurance: Available to employees earning under €77,400/year (2026). Contributions depend on salary.
- Private health insurance: Available for high earners, self-employed, and freelancers. Offers flexible plans but requires health checks.
Is health insurance mandatory in Germany?
Yes, all residents must have health insurance—either public or private.
What types of insurance do I need when moving to Germany?
The most important insurances are:
- Health insurance (mandatory for all residents)
- Liability insurance (highly recommended)
- Household insurance (for personal belongings)
- Pension and social security (if employed in Germany)
Our International Health Insurance Solutions
We offer tailored international health insurance policies that provide:
✔ Worldwide coverage for doctor visits, hospital stays, and preventive care.
✔ Emergency medical evacuation and repatriation services.
✔ Flexible contract terms for short-term and long-term stays.
✔ Options for pre-existing conditions (depending on the plan).
✔ Access to private healthcare providers worldwide.
Who Needs International Health Insurance?
- Expats not yet eligible for German public insurance (e.g., visa applicants, short-term contractors).
- Freelancers or digital nomads working across multiple countries.
- Employees on short-term or long-term assignments abroad.
- Companies needing insurance for globally mobile teams.
- Individuals leaving Germany and needing coverage abroad.
Difference Between International and German Health Insurance
Feature International Health Insurance German Public/Private Health Insurance Global Coverage Yes, worldwide Limited to Germany/EU (public) or chosen countries (private) Flexibility Can move between countries Linked to German residence/work Premiums Based on health & age Based on salary (public) or risk assessment (private) Doctor/Hospital Choice Access to private clinics globally Limited to network (public) or contracted hospitals (private) Emergency Evacuation Included Not included What is International Health Insurance?
International health insurance provides global coverage beyond national health systems, ensuring you have access to medical care anywhere in the world. It is particularly beneficial for:
✅ Expats moving between countries who want a seamless insurance plan.
✅ Freelancers and digital nomads who do not qualify for public health insurance.
✅ Employees on international assignments requiring comprehensive health coverage abroad.
✅ Companies with globally mobile workforces looking for group contracts.
International Health Insurance & Expat Coverage
For expats moving to or from Germany, international health insurance can be a crucial solution, especially if you are frequently traveling, relocating for work, or not yet eligible for the German public health system. As a specialized insurance brokerage, we offer tailored international health insurance solutions for:
- Incoming Expats moving to Germany for work, study, or personal reasons.
- Outgoing Expats leaving Germany to work abroad.
- Companies sending or localizing employees abroad, requiring group contracts for international health coverage.
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