Navigate the
German Insurance
Jungle.
Independent, English-speaking insurance advice — built around you, not commission. One expert, 50+ providers, zero hidden fees.
- 100% English-speaking, end-to-end
- Independent broker — compares all major providers
- One contact for the next 10 years, not a call-center
Insurance in Germany shouldn't feel like a punishment.
For most Expats, dealing with German insurance is the single most confusing part of moving here. Three reasons why:
The Language Wall
20-page contracts in legal German, agents who 'can speak a little English', forms that assume you grew up here. Everything takes 3x longer than it should.
Information Overload
Public vs. private health insurance. Haftpflicht, Hausrat, Berufsunfähigkeit. Every blog says something different. You just want a clear answer from someone you trust.
Impersonal Service
Comparison portals push the highest commission. Call-centers rotate every six months. Nobody remembers your situation when you actually need help.
Not another portal.
Not a faceless agent.
A personal expert.
Here's how working with Florian compares to the two most common alternatives — comparison portals and tied agents.
"My promise: I'll be the same name in your inbox in five years that I am today."
— Florian Schmid
Three ways to start.
All free. Zero pressure.
Not everyone is ready for a call right away — and that's fine. Pick the entry point that fits where you are.
Are you overpaying for health insurance?
A 5-question check tailored to expats. Get a personalized profile and find out if you're eligible for private health insurance — or if you'd save money switching.
The Expat's Insurance Survival Guide
The 14-page guide we wish we had when we first moved here. Liability, health, household, and the 3 'invisible' insurances every Expat overlooks.
Health Insurance Decoded — Live Workshop
A 45-minute live session with Florian. Public vs. private, how to qualify, what the small-print really means. Q&A at the end. Free, English, no sales pitch.
500+ Expats.
One clear thread.
From freelancers in Berlin to families in Munich — here's what people say after working with Florian.
"Florian re-structured my whole insurance setup in one call. As a freelancer from Canada, I had no idea how PKV actually worked — he walked me through three providers, explained the trade-offs in plain English, and saved me €1,400 a year. Two years in, he still responds to my emails within the same day."
"I almost made a huge mistake by signing the first PKV offer I got. Florian compared my options against family planning and showed me exactly what to look for. The clarity was worth every minute."
"We moved from London with two kids and zero clue. Florian handled everything — health, liability, household, even the school insurance question. We sleep better at night."
"Finally an advisor who isn't trying to sell me something. Florian's recommendation was actually to keep my current setup. That's when I knew I could trust him."
Why I built this.
Years ago, I started my career abroad — and learned the hard way what it means to sign a 20-page contract in a language you barely speak. The fine print, the cultural assumptions, the "obvious" things nobody explains. I made the mistakes most Expats make. Some were expensive.
When I came back to Germany and became a licensed independent insurance broker, one thing was clear: the people who need real advice the most — international professionals, families, and freelancers — get the worst service. Sales-driven portals, tied agents pushing one product, language barriers everywhere.
So I built this practice for the person I used to be: someone arriving in a new country, juggling a new job, a new life, and trying to make sense of a system that wasn't built for them.
Today, I work with Expats across Germany — in English, with full transparency, and with the explicit promise that I'll still be the same name in your inbox in five years. That's the whole pitch.
Book your free
30-minute call.
No sales pitch, no commitment. We'll review your current setup, identify gaps, and lay out a clear plan. If we're a fit, we continue. If not, you walk away with free clarity.
Pick a time that works for you
The full Calendly booking widget will be embedded here. For now, click below to start the conversation.
No credit card · No commitment