Insurance in Germany
Insurance play an important role in providing financial security for you and your loved ones. We will bring clarity to what you really need in Germany - the land of insurance.
Our "Insurance In Germany" Blog Posts
Important insurances in Germany
Interview with Julian Hennig (Head of Insurance - Feather) about the structure and future of German health insurance and important...
How To Find The Best German Liability Insurance
A private liability insurance will protect you against any third party claims. But which private liability insurance in Germany is...
German Payslip: Employed Vs Self-employed
When working in Germany, you will pay social security and taxes directly from your German payslip. How much net income...
Techniker Krankenkasse Exposed
Techniker Krankenkasse is one of the largest German public health insurance. Many expats living in Germany are insured with TK....
German Health Insurance Cost: Private vs. Public
Many people living in Germany wonder whether there is a way to reduce German health insurance cost and whether private...
German Social Security System – Overview & Explanation
Many people believe that health insurance in Germany is free. In reality, it's not. 😱 Employees pay about 20% of...
German Payslip Explained
Payslips in Germany are pretty confusing with a lot of numbers and abbreviations. Many expats are surprised when they see...
Increase your net income – 5 Tips for more net income!
A lot of expats are complaining about how much taxes and social security they have to pay in Germany. Our...
Our "Insurance In Germany" YouTube Playlist
Every week we publish at least 1 video on our PerFinEx YouTube channel on all things personal finance in Germany. Below you can find our playlist that contains all videos related to German insurances. That is all you need to bring your insurance game to the next level.
Are you looking for the right insurances for you? Our Insurance calculators will help you to determine which insurance providers are the best, as well as which companies have the cheapest offers.
Health insurance in Germany is mandatory. So, if you are planning to stay longer than three months in Germany, you must get a health insurance plan. Therefore, you can choose between private health insurance and public health insurance. All other types of insurance are voluntary. Some are recommended, while others are unnecessary.
Every insurance company in Germany offers different plans that cost different amounts. These plans are effective in different situations and also with different levels of compensation. Only public health insurance includes the same benefits with the same costs for everyone. Our recommendation is to discuss your individual situation with an insurance expert.
Basically, you have three different options for health insurance in Germany. Either public health insurance, private health insurance, or public with private additives. For the first option, you can just fill in your data into a form. For the second and the third option, we recommend talking to an insurance expert, to get the best possible option for your individual situation.
In terms of premium income, the top 5 best insurance companies in Germany are as followed (as of 2018):
- Allianz SE
- Munich Re
- Talanx AG
- Generali Germany AG
- R + V Versicherung AG
Our service and contact
Personal finance in Germany can be difficult – especially as an expat with limited German language skills. We make your financial planning as easy as possible. All you need is a device that is connected to the internet to secure a free online meeting with us.