Human specialist

Insurance, sorted for your move

Health insurance is mandatory in Germany — and your visa depends on it. We match you to the right German cover, and offer PassportCard for instant, worldwide protection.

Visa-ready

Cover accepted for your visa

Public & Private

We advise on both

Types of cover arranged

Worldwide

PassportCard global option

Why It Matters

In Germany, the right insurance isn't optional

Health cover is mandatory and your visa depends on it — yet the system is confusing, the public-vs-private choice is hard to reverse, and you often need cover before you even arrive.

No cover, no visa

You must prove health insurance for your visa and your Anmeldung. Get it wrong and everything stalls.

A decision you can't undo

Public or private health insurance is a long-term choice with real consequences. It pays to get advice first.

Cover before you land

You may need protection before German insurance is active — and German liability and household cover are easy to overlook.

German Insurances

The cover you need to live in Germany

We are independent — so we match you to the right cover and the right provider, and handle the German paperwork in plain English.

Visa-critical

Health insurance

Public (GKV) or private (PKV) — mandatory in Germany and required for your visa and Anmeldung. We advise which is right for you.

Liability (Haftpflicht)

Near-essential personal liability cover — protects you if you accidentally cause damage or injury. Inexpensive and expected.

Household (Hausrat)

Contents insurance for your home — covers your belongings against theft, fire and water damage.

Legal protection (Rechtsschutz)

Cover for legal costs around tenancy, work and everyday disputes — invaluable in a new legal system.

Car insurance (Kfz)

Mandatory motor cover if you drive — we help you get registered and insured correctly.

International Option

PassportCard — instant health cover, anywhere

International health insurance with a payment card that settles your medical bills on the spot — no out-of-pocket costs, no claim forms. It is the perfect bridge before you enrol in German insurance, and ideal for digital nomads and visiting family.

Pay on the spot

Settle medical bills instantly with the card — no out-of-pocket payments, no claim forms to chase.

Worldwide cover

International health protection that travels with you — ideal before you enrol in German insurance, and for nomads and family.

Visa-friendly proof

Recognised health cover you can show for visa applications and your first weeks in the country.

Fast, simple setup

Get covered quickly without the bureaucracy — a clean bridge while your German insurance is arranged.

Ask us about PassportCard

Instant-pay international health insurance card

Why Us

Independent advice — in your interest, not an insurer's

Independent — we compare providers, not push one
Honest guidance on public vs private health insurance
Visa-ready proof of cover, prepared for you
German + international (PassportCard) under one roof
English-speaking support, and someone to call later

How It Works

From unsure to fully covered

Step 1

Tell us your situation

Your status, employment and what you need — health, liability, household, legal, car or international.

Step 2

We compare & recommend

Independent advice on public vs private and the right German cover — plus PassportCard where it fits.

Step 3

We handle the paperwork

Applications, enrolment and visa-ready documentation prepared for you, in plain English.

Step 4

You're covered

Properly insured and visa-ready — with someone to call when your situation changes.

Get Started

Find your right cover

Tell us your situation and a specialist will come back within one business day with a clear recommendation and a transparent quote — no obligation.

Independent, honest advice
German cover + PassportCard
Visa-ready documentation

FAQ

Questions we hear every day

Is health insurance mandatory in Germany?

Yes. Health insurance is a legal requirement for everyone living in Germany, and you must show proof of cover for your visa and your city registration (Anmeldung). Without it, those steps cannot be completed.

Public (GKV) or private (PKV) — which is right for me?

It depends on your income, employment status and plans. Employees below the income threshold are usually in the public system; higher earners, the self-employed and some others can choose private. The decision is hard to reverse, so we advise you carefully before you commit.

Can I use this cover for my visa application?

Yes. We make sure your cover meets the requirements and provide visa-accepted proof of insurance. For applicants and new arrivals, PassportCard is often the fastest way to have recognised cover in place.

What is PassportCard?

PassportCard is international health insurance with a payment card that lets you settle medical bills on the spot — no upfront payment and no claim forms. It offers worldwide cover and a fast setup, which makes it ideal before you are enrolled in German insurance, and for digital nomads and visiting family.

When should I use PassportCard vs German insurance?

PassportCard is perfect for the in-between: before you arrive, while your German insurance is being arranged, or if you travel often. German statutory or private insurance is for your settled life as a resident. Many clients start with PassportCard and we transition them onto the right German cover.

What does it cost?

It depends on the cover and provider, and on whether you go public or private. We give you a clear, transparent quote after a short review — and we are independent, so the advice is in your interest, not one insurer's.

Get covered the right way

German health, liability and household cover — plus PassportCard for instant international protection. Independent advice, visa-ready, no obligation.

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