What insurances you need naturally depends on your individual situation: how long you are planning to stay in Germany, whether you are a freelancer or employed, whether you have kids, etc.
However, there are insurances that are strongly recommended for almost every situation and others that can be bundled together to form insurance packages for different circumstances.
Based on our experience of working with expats for more than 25 years and the current insurance market, we compiled our recommendations into three coverage levels for private insurance needs: basic, advanced and full.
Those recommendations should still be viewed as guidelines and may need to be adjusted according to your individual needs. Nevertheless, they can give you a good idea about what we consider expats should and should not have, based on our experience.
Ultimately, the decision what insurances and coverage to get is of course up to you. The following pages will help you to make that decision an informed one.
Basic coverage means covering the most important and the mandatory risks. These are the absolute must-have insurances that everyone in Germany should have, regardless of his or her personal situation or whether they are expats or not.
Those insurances are:
Next to most critical and mandatory risks, advanced coverage focuses on the more medium to long-term oriented aspects of your life. Especially financial security, as well as extended health care coverage play a major role.
Full coverage will give you peace of mind in most areas of your plannable life. The highest disability coverage, extensive retirement planning, comprehensive health care as well as coverage of your belongings and full legal expenses.
It also means securing the dreams that you have already fulfilled, be it your own house or something else entirely. It means finding the insurances that fit your needs.
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