Health Insurance Decoded
for Expats in Germany.
45 minutes. English. No sales pitch. Just one independent broker walking you through the decisions that quietly shape the next 30 years of your life in Germany.
Is this webinar actually for you?
We'd rather have 60 well-matched Expats in the room than 100 people who'll regret 45 minutes of their evening. Have a quick look:
- You live and work in Germany as an Expat
- You earn over €60k/year (or you're self-employed)
- You speak English better than insurance-German
- You suspect you're paying too much — but aren't sure
- You want a clear plan, not a sales pitch
- You're a student, freelancer under €25k, or unemployed
- You're already 100% sure your current setup is optimal
- You're looking for German-language deep-dive content
- You expect a hard product pitch — there isn't one
Five concrete things you'll know by 20:45.
No vague "insights." Every point below is something you can use the same week — whether you're considering a switch, renewing, or just looking to understand what you already pay for.
Know if you can switch to private (PKV)
The exact income, employment-type, and life-stage rules — without the legal jargon.
See the 30-year cost picture, not just month one
Why the cheapest tariff today is usually the most expensive at 65 — and how to read the fine print.
Spot the 3 contract clauses that quietly cost you thousands
The wording providers hope you'll skim past. We'll walk through real (anonymised) examples on screen.
Get a clear next-step framework
By the end you'll know exactly what to do, what to ignore, and what — if anything — to act on this month.
Live Q&A: bring your own situation
Type any question into the chat. Florian will answer as many as time allows, in plain English.
What we'll cover, minute by minute.
We start sharp at 20:00 CEST and stay until the last serious question is answered. Bring a notepad — there are 2 worksheets to download during the session.
The German insurance landscape in 5 minutes
GKV, PKV, the big three private players, and where independent brokers fit in.
Public vs. private — the real comparison
Side-by-side: cost today, cost at 65, family coverage, doctor access, switchability.
The 7 mistakes Expats make most often
Anonymised real cases — including one that cost a Berlin engineer €11,400 over 6 years.
Your decision framework
A simple 4-question checklist you can take home and apply to your own situation.
Live Q&A
Bring your own questions. We stay on until the last serious one is answered.
Independent broker. 500+ Expats advised.
Florian is a §34d-licensed independent insurance broker (Versicherungsmakler) based in Germany. He works with 50+ providers and has spent the last several years specialising in one audience only: Expats who need clear English-language advice.
He runs this webinar once a month because — in his own words — it beats every paid ad: "45 honest minutes filter the right people in, and everyone else walks away with something useful."
The honest FAQ.
Save your seat.
Bring your questions.
One Wednesday evening. 45 minutes. The clearest English-language briefing on German health insurance you'll find — and a live Q&A with someone who's done this 500+ times.