Your Expat Insurance Ally in Germany
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Your Expat Insurance Ally in Germany
Are you an expat, feeling lost in Germany´s healthcare maze?Well, you're not alone! As a husband to an expat and with two decades of experience in the field, I've personally navigated and understand your unique challenges.Why trust me? With my experience in consulting hundreds of expats, I specialize in finding insurance solutions that are tailored to your specific needs.During my tenure at ottonova, I developed customized tariffs and streamlined processes specifically for expats. This experience has equipped me with invaluable insights into what works best for you.My expertise extends to a broad range of insurance and finance topics. As an independent, certified Insurance Broker licensed by the German Chamber of Commerce, I'm equipped to handle these areas for you.For clear, actionable advice and personalized solutions, let's connect!Together, let's secure the right insurance coverage for your peace of mind in Germany.
Felix Kugelmann, Insurance Advisor
Let's talk without any obligation
Guide for Expats
Exploring Health Insurance in Germany
Health Insurance can seam like quite a difficult topic in Germany. But It´s actually not that difficult and I can help you here. The main points you need to know are:
Everybody needs health Insurance in Germany by law
We have two systems, private and public
There is no one size fits all
What our customers say about us
I highly recommend Felix if you have any questions regarding insurance.With vast experience at a world-leading insurer and cutting-edge fintech companies in Germany, Felix demonstrates a deep understanding of the unique challenges faced by expats and entrepreneurs. His clarity, emphasis on value, and structured approach make him an invaluable resource in navigating insurance solutions tailored to your needs.
David Cahez, IT-Consultant & Entrepreneur
Thank you for the impressive consultation! All inquiries and doubts were resolved promptly. It was a thoroughly reliable support and I would definitely recommend it.
Jan Siebert, Online-Entrepreneur
What Insurances do I need?
Foundation
Secure your health with the right insurance, be it public with supplemental plans or a tailored private policy. It´s mandatory in Germany.
Protection
Essential insurances like liability, legal, and disability cover safeguard your financial health against life's uncertainties.
Independence
Invest in your future with household and life insurance, alongside smart pension and investment strategies.
Let's talk about your situation.
4 Simple Steps to your Health Insurance
Let's talk about your situation.
About
Felix Kugelmann
I fluently speak English and German, bridging language barriers with ease.
My focus is on expats, understanding your specific challenges in Germany.
As an expat's spouse, I've lived the complexities you're facing.
I bring over 20 years of expertise in the insurance industry to the table.
I'm a certified Insurance Broker, licensed by the German Chamber of Commerce.
At ottonova, I innovated insurance solutions specifically for expats, showing my commitment to tailored services.
Frequently asked questions
- Public insurance covers basic health services, while private insurance offers more extensive and customized options.
- Public insurance premiums are income-based; private insurance premiums depend on age, health, and coverage level.
- Private insurance often means shorter wait times and access to specialists.
- Private insurance plans can be tailored to individual needs, whereas public insurance is more standardized.
- Health insurance is mandatory for all visa applicants.
- You must show proof of valid health insurance when applying for a visa.
- Both public and private insurance are acceptable, but the coverage must meet German standards.
- Liability Insurance: Protects you from claims of third-party damage or injury.
- Legal Insurance: Useful for covering legal costs in various personal and professional matters.
- Income Protection Insurance: Ensures a steady income if you're unable to work due to illness or injury.
- Professional Indemnity Insurance: Important for covering legal costs and claims of negligence or mistakes in your professional work.
Get in touch with me
Let’s connect – I’m just a message away.
Guide for Expats
Exploring Health Insurance in Germany
Health Insurance can seam like quite a difficult topic in Germany. But It´s actually not that difficult and I can help you here. The main points you need to know are:
Everybody needs health Insurance in Germany by law
We have two systems, private and public
There is no one size fits all
GKV vs. PKV
| GKV | PKV |
|---|---|
| Obligatory for everybody that is an employee and earns less than €69,300 per year. | Freelancers, business owner and employees with a salary higher up from €69,300 per year are eligable. |
| Public health insurance offers comprehensive coverage including general medical care, hospital stays, and prescription medications. | Tailored Plans: Offers the flexibility to choose tailor-made plans and additional services, such as private hospital rooms, faster access to specialists or alternative treatments. |
| Cost Based on Income: Premiums are income-based, typically amounting to a fixed percentage of your salary, making it affordable and equitable. | Premiums are calculated based on individual risk factors, including age, health status, and chosen benefits, which can be higher than public insurance for some. |
Frequently asked questions answered
Health issues
For all visas that allow you to stay long term in Germany with the intention to work here as an employee, business owner or freelancer, you need public or private health insurance. If you have a tourist visa, travel health insurance will be sufficient.
Premiums of your health insurance will most likely increase over time, but not because you get older. Public health insurance becomes more expensive as the income threshold and the percentage it's based on go up. Private health insurance increases when the overall costs for all insured persons rise. Over the last 20 years, public insurance has increased slightly more on average than private insurance.
It depends highly on your individual situation. Is your partner also working or not? If your children have private insurance, you can estimate around 180 euros per child extra. So it depends – we can figure that out together.
Public health insurance covers the same costs as in Germany in most other European countries. However, you may not be fully reimbursed in some cases, so it’s smart to have a top-up travel insurance when you go abroad.
Let's talk.
I can help you finding the right coverage for you. No matter if public or private.Arrange your first meeting without obligation.
Thank you for your message!
We’ve received your request and will get back to you as soon as possible.
Imprint / Legal Disclosure
Customer information for the fulfillment of the legal duty to inform according to § 15 VersVermV
Contact details:
Felix Kugelmann
Independent Insurance Broker
Alte Reichsstraße 3D
86356 Neusäß, Germany
Tel: 0152 09022110
Website: https://mygermanfinance.com
Email: [email protected]
Job Title:
Insurance broker with permission according to § 34d Abs. 1 GewO
Responsible for content according to § 5 DDG / § 55 RStV:
Felix Kugelmann
Same address as above
Authority for the permit according to § 34d GewO:
Chamber of Commerce and Industry Munich and Upper Bavaria
Max-Joseph-Straße 2
80333 München, Germany
Tel: +49 (0) 89 – 5116 – 0
Website: https://www.muenchen.ihk.de
Register number: D-7ODV-A1MCA-31
Registrar of companies according to § 11a GewO:
Association of German Chambers of Industry and Commerce (DIHK) e. V.
Breite Straße 29
10178 Berlin, Germany
Tel: 0180-600-585-0
(20 Cent/Min. from German landlines, max. 60 Cent/Min. from mobile networks)
Register lookup: www.vermittlerregister.info
Conciliation Bodies
Versicherungsombudsmann e. V.
Postfach 08 06 32
10006 Berlin, Germany
Tel: 0800 369 6000 (free of charge from German landlines)
Website: www.versicherungsombudsmann.de
Ombudsman Private Health and Long-Term Care Insurance
Postfach 06 02 22
10052 Berlin, Germany
Tel: 0800 255 0444 (free of charge from German landlines)
Website: www.pkv-ombudsmann.de
Participations
There is no direct or indirect participation of more than 10% in the voting rights or capital of an insurance company by the insurance broker.
There is no direct or indirect participation of more than 10% in the voting rights or capital of the insurance broker by any insurance company.
Compensation
In accordance with legal requirements, the insurance broker receives commission from the insurance company or product provider for the successful brokerage of insurance contracts. No separate remuneration is owed by the customer.
1. Data Protection Overview
General Information
The following information provides a simple overview of what happens to your personal data when you visit this website. Personal data refers to any data that can be used to personally identify you. Detailed information on data protection can be found in our privacy policy below.
Data Collection on This Website
Who is responsible for data collection on this website?
Data processing on this website is carried out by the website operator:
Felix Kugelmann
Independent Insurance Broker
Alte Reichsstraße 3D
86356 Neusäß, Germany
Tel: 01520 9022110
Website: https://mygermanfinance.com
Email: [email protected]
Does this website use cookies?
No, this website does not use cookies or tracking technologies. Therefore, a cookie banner is not required.
Contact Form
If you send us inquiries via the contact form, the information you provide, including your contact details, will be stored by us for the purpose of processing your request and in case of follow-up questions. We do not share this data without your consent.
The processing of the data entered in the contact form is based exclusively on your consent (Art. 6(1)(a) GDPR). You can revoke this consent at any time by sending us a simple email. The legality of data processing carried out before the revocation remains unaffected.
2. Hosting
This website is hosted by the following provider:
Carrd.co
Provider is AJ (Carrd Inc.), based in the USA. Carrd provides the infrastructure for hosting this website. When you visit this site, Carrd may automatically store server log files that may contain IP addresses and technical access information.
For more information on Carrd's privacy practices, please visit: https://carrd.co/docs/general/privacy.
Hosting is based on Art. 6(1)(f) GDPR. We have a legitimate interest in the reliable and secure provision of our website.
Data Transfers to Third Countries
Since Carrd is based in the USA, personal data may be transferred to a country without an adequate level of data protection. The transfer is based on Art. 46(2)(c) GDPR (Standard Contractual Clauses). Despite these measures, access by US authorities cannot be ruled out.
Data Subject Rights
You have the right to:
- Access your stored data (Art. 15 GDPR)
- Correct inaccurate data (Art. 16 GDPR)
- Delete your data, unless retention is legally required (Art. 17 GDPR)
- Restrict processing (Art. 18 GDPR)
- Data portability (Art. 20 GDPR)
- Object to data processing (Art. 21 GDPR)
Contact for Data Protection Inquiries
If you have questions about how your personal data is processed or want to exercise your rights, please contact:
Felix Kugelmann
Independent Insurance Broker
Alte Reichsstraße 3D
86356 Neusäß, Germany
Tel: 01520 9022110
Website: https://mygermanfinance.com
Email: [email protected]
3. General Notes and Mandatory Information
Data Protection
The operators of this site take the protection of your personal data very seriously. We treat your personal data confidentially and in accordance with statutory data protection regulations and this privacy policy.