The insurance guide no one handed you when you moved to Germany.
A 14-page field manual covering health, liability, income, household and legal — written by an independent broker who's sat across from 500+ Expats. No jargon, no commissions, no upselling.
- 14 pages of field-tested intel — read in 20 minutes
- Six insurance types covered, not just health
- Realistic price ranges, no vague 'it depends'
- Printable one-page cheat sheet on page 14
Six chapters. Zero filler.
Each chapter is a self-contained mini-briefing. You can read end-to-end in 20 minutes or jump straight to the section you need.
The 3-ring mental model
A 5-minute framework that tells you which insurances are mandatory, which are non-negotiable, and which you can safely skip — before you spend a euro.
Health insurance, demystified
GKV vs. PKV side-by-side. Who actually qualifies for private, the JAEG threshold for 2026, and the one question every Expat should ask before switching.
Liability (Haftpflicht) — the €5 insurance everyone forgets
Why this is the single best-value insurance in Germany, what the worldwide rider really means, and the three exclusions buried in most contracts.
Income protection (BU) — the one that gets more expensive every year
A clear chart showing how a 5-year delay can raise your lifetime premium by 30–50%, plus the medical questions that quietly kill applications.
Household, legal, dental — the optional layer
Honest cost ranges, when each one is worth it, and the two situations where I genuinely recommend skipping them.
The 7 most common Expat mistakes (and the fixes)
From signing the wrong Krankenkasse to taking advice from a Vermittler who calls himself a Makler — the patterns I see most often, in plain English.
- Realistic price ranges, no vague 'it depends'
- Printable one-page cheat sheet on page 14
- No commissions, no upselling — Florian is a Makler, not a Vermittler
- GDPR-compliant: one email to deliver the PDF, that's it
- A 200-page corporate whitepaper
- A list of products with affiliate links
- A free guide that funnels you into paid coaching
Hi, I'm Florian.
I'm an independent insurance broker based in Germany. I wrote this guide because I got tired of watching Expats sign contracts they didn't understand — and pay for it for years afterwards.
I'm a Makler, not a Vermittler — meaning I work for you, not for an insurance company. I compare 50+ providers, advise in English, and never charge a fee. My income comes from the provider you eventually choose, and I'll tell you that openly on page 13 of the guide.
What other Expats said.
"The clearest explanation of GKV vs. PKV I've ever read — and I'd been in Germany 4 years already."
"I shared the cheat sheet with my whole team. Three people switched providers and saved real money."
"Finally a guide that doesn't try to sell me something on every page. I emailed Florian the same week."
Honest answers to the obvious questions.
If something else is on your mind, just reply to the welcome email — Florian answers personally.
20 minutes today. Years of clarity after.
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