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

We share everything there is to know about the German insurance landscape here in our blog. Whether you are looking for health insurance (public or private), disability insurance to secure your income, household insurance, or term life insurance to protect your family.

Feather got interviewed by PerFinEx

Important insurances in Germany

Important Insurances in Germany Interview with Julian Hennig (Head of Insurance – Feather) about the structure and future of German...

Techniker Krankenkasse Exposed

Techniker Krankenkasse Exposed

Techniker Krankenkasse is one of the largest German public health insurance. Many expats living in Germany are insured with TK....

German Payslip

German Payslip Explained

German Payslip Explained Payslips in Germany are pretty confusing with a lot of numbers and abbreviations. Many expats are surprised...

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.

Insurance Calculators

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.

Best Liability Insurance

Find the best liability insurance in Germany with the lowest premium. By getting a German liability insurance through our calculator you might also secure some bonuses.

Best Legal Insurance

Find the best legal insurance in Germany with the lowest premium. By getting a German legal insurance through our calculator you might also secure some bonuses.

Best Household Insurance

Find the best household insurance in Germany with the lowest premium. By getting a household insurance through our calculator you might also secure some bonuses.

Best Term Life Insurance

Find the best term life insurance in Germany with the lowest premium. By getting a term life insurance through our calculator you might also secure some bonuses.

Best Dog Insurance

Find the best dog insurance in Germany with the lowest premium. By getting a German dog insurance through our calculator you might also secure some bonuses.

Best Device Insurance

Find the best device insurance in Germany with the lowest premium. By getting a German device insurance through our calculator you might also secure some bonuses.

FAQ

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):

  1. Allianz SE
  2. Munich Re
  3. Talanx AG
  4. Generali Germany AG
  5. 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.

Reach out to us and secure a free 30-minute online meeting with us.