Find out in 20 minutes if you're
overpaying, underinsured, or eligible for a better setup.
The Health Insurance Optimization & Savings Audit is a free, 20-minute one-on-one session with Florian — a §34d licensed broker who works only with Expats. You leave with a 2-page personalised audit report in your inbox within 48 hours: clear diagnosis, estimated 12-month savings, and three priority actions.
- Format
- Video call (Zoom or phone)
- Duration
- 20 min20:00
- Language
- English, end-to-end
- Deliverable
- 2-page Audit Report (PDF)
- Turnaround
- Within 48 hours
- Cost
- Free€0
- Obligation
- None — keep the report, walk away
Every audit ends with one of three diagnoses.
And a clear next step.
The audit isn't a vague conversation. It produces a single, written diagnosis of where you actually stand — plus the specific action most likely to move that needle.
You're paying for benefits you don't need, or a comparable insurer would charge €40-180/month less for identical coverage.
Missing dental, abroad-stay, sick-pay, family or out-patient cover that quietly turns into a five-figure problem if anything goes wrong.
PKV eligibility, free family co-insurance, expat-specific tariffs, or wechselzeitfenster you can use right now.
Ten audit points.
Run identically, every time.
This is the same checklist Florian uses with paying clients during onboarding. We unbundled it as a stand-alone audit so you can use the diagnosis even if you choose not to work with us afterwards.
The audit is built around your setup — before the call even starts.
When you book, you fill out a short five-field intake. By the time we meet, Florian has already pulled current 2026 tariff data for your provider, your bracket, and your household setup. We don't burn the first ten minutes asking you basics — we go straight to what's actually fixable for you.
- Pre-call: 5-field intake (no documents required)
- Pre-call: Florian pulls live 2026 market data for your tariff
- On the call: walk through the 10-point checklist against your real numbers
- Within 48 h: 2-page personalised audit report in your inbox
- 01Switch to BARMER (Berlin) — 0.30 % lower Zusatzbeitrag, identical dental & abroad cover.
- 02Add private supplemental dental (Zahnzusatz) — €11/mo, breaks even at first crown.
- 03File family co-insurance for partner — drops to €0/mo while partner is between jobs.
Real findings.
Anonymised. Always specific.
These are condensed examples from past audits. The details are anonymised, the numbers and structure are not.
Three small steps.
One very useful report.
Three steps. About 90 seconds.
The intake is what makes the audit actually personal. It's short on purpose — five fields, then a slot, then your details.
The cost of not auditing is silent.
German health insurance doesn't send you a "you're overpaying by €40/month" warning. It just silently keeps invoicing. Most fixable issues stay fixable for years — until a life event (job change, family, claim) makes them suddenly expensive and suddenly urgent.
Florian Schmid — the only person you'll talk to.
§34d GewO licensed, working with 50+ providers across health, life, liability and household. End-to-end English — including the boring paperwork most "English-speaking" brokers outsource to a German back-office. The audit is run live by Florian, not a junior, not a tool, not a chatbot.
Everything else people ask before they book.
Clarity. Confidence. Cash.
Twenty minutes today, a 2-page report on Friday, and you finally know whether your German health insurance is helping you or quietly costing you. Most audits pay for themselves in the first ninety days.