German insurance comes in long words. We translate them into plain English, tell you which ones you need, and arrange them for you.
moovnao GmbH · registered insurance broker · D-69BL-DZS5X-66
die LückeLUE-keh · noun · the gap
As an employee, your health insurance usually begins on your first working day, not on the day you land. For every day in between you have no health cover unless you arrange it yourself. We arrange it with you.
You need your own cover for these days.
Cover these days →der WegVAYG · noun · the way, your journey
Your visa needs proof of health insurance, and your plan for the first weeks should stand before you book the flight.
What you need here
Once you register your address, Germany counts as your home. Until your first working day, your health cover is your own responsibility.
What you need here
Now the question is which fund, or whether private insurance is open to you and makes sense for your plans.
What you need here
The basics are in place. Now it is about your income, your teeth and the day you disagree with your landlord.
What is worth a look
A new residence permit, a partner, children or parents change what fits. We check that your insurance still matches your life.
What we check with you
der MaklerMAHK-ler · noun · broker
In Germany the difference is written into law. We are a broker: we compare the market, recommend what fits and stand on your side when you need to claim.
Benjamin KopkaInsurance broker, managing directorEnglish · Español · Deutsch
Markus KopkaInsurance broker since 2004, managing directorDeutsch · English
die FrageFRAH-geh · noun · question
Yes. Everyone who lives in Germany must have health insurance. As an employee you are usually covered through your job from your first working day. The days before that are your own responsibility.
Most employees start in public health insurance. Private can be an option above a certain salary, or if you are self-employed. We go through both with you, including what it means for your family and for later years.
Health insurance is mandatory. Personal liability is the one almost everyone in Germany has. Household contents is worth it once you have furnished a flat. Everything else depends on your situation.
Insurers pay us a commission that is part of the premium. You do not pay us a separate fee for insurance we arrange. We explain this openly before you sign anything.
Yes. We work by video call with expats all over Germany.
Willkommenvil-KOM-men · welcome
Thirty minutes by video, in English. You tell us your situation, we tell you what you need and what you can skip.
