{"id":12224,"date":"2021-04-22T12:33:34","date_gmt":"2021-04-22T12:33:34","guid":{"rendered":"https:\/\/www.bramex.de\/?page_id=12224"},"modified":"2026-07-07T13:17:17","modified_gmt":"2026-07-07T12:17:17","slug":"home-bramex","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/en\/","title":{"rendered":"Insurance for Expats in Germany"},"content":{"rendered":"\t\t
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\n Insurance advice in Germany<\/span>\n

\n We help you find the right insurance as an expat in Germany\n <\/h1>\n

\n At Bramex we guide you in a clear, personal way so you know exactly which insurance you need for your situation. Free advice, in your language, with no complications.\n <\/p>\n

\n \n Find my insurance\n <\/a>\n \n Talk to an adviser\n <\/a>\n <\/div>\n
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\n \n \n <\/path>\n <\/svg>\n <\/span>\n Official brokerage \u00b7 free advice<\/span>\n <\/div>\n
\n \n \n <\/path>\n <\/svg>\n <\/span>\n The whole process in your language, also after signing<\/span>\n <\/div>\n
\n \n \n <\/path>\n <\/svg>\n <\/span>\n Specialists in expats and internationals<\/span>\n <\/div>\n <\/div>\n <\/div>\n
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\n \"Insurance\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n
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Which insurance do you need for your situation in Germany?<\/h2>\n

Health insurance is mandatory in Germany from day one, but which one applies to you depends on your case. Find yours here and we'll tell you exactly what you need.<\/p>\n <\/div>\n

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<\/svg><\/div>\n Just arrived<\/span>\n <\/div>\n

You just arrived and don't work yet<\/h3>\n

You're job hunting, learning German or have a Minijob. You need coverage from day one at an affordable price: temporary health insurance is your starting point.<\/p>\n Job seekers health insurance<\/a>\n <\/article>\n\n

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<\/svg><\/div>\n Employee<\/span>\n <\/div>\n

You're starting a job as an employee<\/h3>\n

With an employment contract you join public health insurance (GKV) and must choose a Krankenkasse. We explain the real differences between them and register you ourselves.<\/p>\n Public health insurance (GKV)<\/a>\n <\/article>\n

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<\/svg><\/div>\n High earner<\/span>\n <\/div>\n

You want better medical coverage<\/h3>\n

If you earn above the salary threshold or are self-employed, you can access private health insurance (PKV): faster appointments and better benefits. We analyse whether it pays off for you.<\/p>\n Private health insurance (PKV)<\/a>\n <\/article>\n \n

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<\/svg><\/div>\n Self-employed<\/span>\n <\/div>\n \n

You're a freelancer or self-employed<\/h3>\n

As a Selbstst\u00e4ndiger you choose between public and private insurance, and that decision affects your premium for years. We help you calculate it properly and cover your professional activity too.<\/p>\n Insurance for freelancers<\/a>\n <\/article>\n\n

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<\/svg><\/div>\n Resident<\/span>\n <\/div>\n

You're already settled in Germany<\/h3>\n

There are policies almost every resident ends up needing: personal liability insurance<\/a> (essential here), life insurance<\/a> and home insurance<\/a>.<\/p>\n Personal liability insurance<\/a>\n <\/article>\n\n

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<\/svg><\/div>\n Already insured<\/span>\n <\/div>\n

You want to switch or review your insurance<\/h3>\n

You're insured but paying too much or not convinced. We review your policy, compare alternatives and manage the switch without any gap in your coverage.<\/p>\n Switch Krankenkasse<\/a>\n <\/article>\n\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

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Who we are and what we do for you<\/h2>\n

\n We are an official insurance brokerage specialised in insurance in Germany<\/strong>. We focus on helping internationals and expats who need clear advice from the very beginning.\n <\/p>\n

\n We don't issue our own policies: we are the intermediary between the insurance companies and you.\n <\/p>\n

\n We analyse your personal situation and help you find the best option among the leading German insurers, without language barriers and without complications.\n <\/p>\n

\n Get to know us<\/a>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n
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\n Other products our clients choose\n <\/h2>\n

\n Beyond health insurance, we also help you protect your family, cover the unexpected and make the most of savings and retirement options adapted to your situation in Germany.\n <\/p>\n <\/div>\n\n

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Life insurance<\/h3>\n

\n If you're concerned about your family's future and your own, we help you find a life insurance policy that protects you against the unexpected.\n <\/p>\n Learn more<\/a>\n <\/article>\n\n

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Personal liability<\/h3>\n

\n In Germany it is highly advisable to have financial protection covering damage you may accidentally cause to a third party.\n <\/p>\n Learn more<\/a>\n <\/article>\n\n

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Savings plans<\/h3>\n

\n We guide you so you can benefit from the savings and retirement plans the German state makes available to you.\n <\/p>\n Learn more<\/a>\n <\/article>\n\n <\/div>\n\n <\/div>\n<\/section>\n\n\n\n

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How we work<\/h2>\n

We take care of everything: we compare, we handle the paperwork and we keep German bureaucracy out of your way.<\/p>\n

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1<\/div>\n

Tell us your situation or use the insurance finder<\/p>\n <\/div>\n

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2<\/div>\n

We compare insurers and propose the best option for your profile<\/p>\n <\/div>\n

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3<\/div>\n

You complete the application with our help, in your language<\/p>\n <\/div>\n

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4<\/div>\n

We process the policy on your behalf and stay with you afterwards<\/p>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

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\n Insurance finder<\/span>\n

Not sure which insurance applies to you?<\/h2>\n

Answer a few questions about your situation in Germany and we'll point you to the option that fits. Two minutes, no sign-up, no obligation.<\/p>\n

\n Find my insurance<\/a>\n <\/div>\n <\/div>\n
\n <\/span>\n <\/span>\n
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<\/svg><\/div>\n

Find your insurance<\/h3>\n

A quick, clear way to get oriented before you sign anything.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

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Why expats get their insurance through Bramex<\/h2>\n
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Official brokerage in Germany<\/h3>\n

We are a registered insurance brokerage in Germany. We don't issue our own policies: we are independent intermediaries and work with 95% of German insurers.<\/p>\n <\/div>\n

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No extra cost for you<\/h3>\n

Our advice is free. You pay exactly the insurer's official rate: our remuneration comes from the company, not from your pocket.<\/p>\n <\/div>\n

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Your language, including the fine print<\/h3>\n

Contracts, conditions and German bureaucracy explained in plain language. You'll know what you're signing and why, before you sign.<\/p>\n <\/div>\n

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We stay with you after signing<\/h3>\n

Invoices, address changes, renewals, cancellations: we manage your policy's issues for as long as you're a client. We don't disappear after the signature.<\/p>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n

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\n Bramex<\/span>\n

Insurance specialists in Germany<\/h2>\n
\n \"Ronald\n
\n Ronald Seifart<\/strong>\n Manager and adviser at Bramex<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n
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\n When you write to Bramex, you're not answered by a form or a call centre<\/strong>: you're answered by an adviser with a name who knows your case from start to finish.\n <\/p>\n

\n Ronald and the team have spent years supporting expats in Germany, and they know where the real doubts are: what each tariff covers, which fine print matters and what fits your situation<\/strong> \u2014 health, home, life or a savings plan.\n <\/p>\n

\n Our goal is that you make every decision understanding what you're signing<\/strong>, and that after the signature you still have the same person on the other side.\n <\/p>\n <\/div>\n <\/div>\n\n <\/div>\n <\/div>\n<\/section>\n\n\n\n\n

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What other expats say<\/h2>\n

Real client reviews on Google (translated from Spanish)<\/p>\n

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Excellent service. Super fast, super friendly, and they genuinely care about your situation. More than grateful.<\/blockquote>\n
\n AC<\/span>\n Ailin Chionda<\/span>\n <\/figcaption>\n <\/figure>\n\n
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\"<\/div>\n
A family member needed health insurance in Germany. Bramex kindly helped me and advised me on how to obtain the required document. I appreciate and recommend Bramex's services.<\/blockquote>\n
\n JD<\/span>\n Javier Diaz<\/span>\n <\/figcaption>\n <\/figure>\n\n
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Professional, attentive and human. They're advising me perfectly on every detail of choosing health insurance and giving me the tools to make the right decision. A 100% recommendable service.<\/blockquote>\n
\n LH<\/span>\n Luis de la Hoz<\/span>\n <\/figcaption>\n <\/figure>\n\n <\/div>\n
\n See reviews on Google<\/a>\n <\/div>\n <\/div>\n<\/section>\n\n\n\n
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Frequently asked questions about insurance in Germany<\/h2>\n
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\n Which insurance is mandatory to live in Germany?<\/summary>\n
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The only insurance required by law for all residents is health insurance<\/strong>, from your first day of residence. Personal liability insurance<\/a> (Haftpflichtversicherung) is not mandatory, but it's so widespread that many landlords take it for granted, and it costs very little. The rest depends on your personal and family situation.<\/p>\n <\/div>\n <\/details>\n\n

\n Which health insurance applies to me: public, private or temporary?<\/summary>\n
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It depends on your work situation. If you're an employee, you normally join public health insurance (GKV)<\/a>. If you earn above the annual salary threshold, are self-employed or a civil servant, you can opt for private insurance (PKV)<\/a>. And if you've just arrived and don't work yet, temporary insurance<\/a> covers you while your situation takes shape. We analyse your case for free and tell you which one applies.<\/p>\n <\/div>\n <\/details>\n\n

\n How much does Bramex's advice cost?<\/summary>\n
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Nothing. You'll pay exactly the insurer's official rate<\/strong>, the same as if you went directly to the company. Our remuneration comes from the insurers, which also allows us to compare them independently.<\/p>\n <\/div>\n <\/details>\n\n

\n Can I do the whole process in English?<\/summary>\n
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Yes. The whole process is in your language: the initial consultation, the tariff comparison, the application and everything afterwards (invoices, address changes, renewals or cancellations). We also explain in plain language the documents insurers send you in German.<\/p>\n <\/div>\n <\/details>\n\n

\n Do you work with all German insurers?<\/summary>\n
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We work with 95% of German insurance companies<\/strong>, including TK, Allianz, AOK, HanseMerkur, Universa, N\u00fcrnberger and Hallesche. As an independent brokerage we don't issue our own policies: we compare the market and recommend the option with the best value for your profile.<\/p>\n <\/div>\n <\/details>\n\n <\/div>\n <\/div>\n<\/section>\n\n