Insurance
Health and protection insurance for expats in Germany
Health insurance is mandatory in Germany, and other cover protects your income and family. Start here to see what matters and in which order.
Book your free Financial Clarity CallKey questions
What to clarify first
Public or private health insurance
The choice depends on your employment, income, family and how long you plan to stay. It is hard to reverse, so decide with the full picture.
Income protection
If you cannot work, your income stops. Disability cover and accident cover close this gap in different ways.
Family and children
Children and partners can be covered differently. Check what is included before and after a move or family reunification.
Liability and legal cover
Private liability and legal insurance protect you from costs that can grow quickly, for example in tenancy or damage cases.
Guides
Read more
Private health insurance
What expats should know before choosing private cover.
Disability insurance
Protecting your income if you cannot work.
Accident insurance
Cover for accidents, including outside work.
Accident insurance for children
Why children need their own protection.
Term life insurance
Protecting your family financially.
Insurance for expats in Germany
An overview of key covers for people from abroad.
Private liability insurance
Cover for damage you cause to others.
Legal insurance
Cover for legal costs.
Household insurance
Cover for your belongings.
Next step
Talk to us about your situation
30 minutes, free, no obligation. The consultation is free for you; we are paid by the provider only if you sign a product. See how we work and how we are paid.
Book a callGeneral information, not tax or legal advice. Rules depend on your personal situation.
