Get Health Insurance Advice Tailored to Expats in Germany!
Confused about health insurance in Germany? You are not alone. Even locals find it difficult to understand the German healthcare system.
Get unbiased and neutral advice on health insurance to find the best plan based on your needs, budget, and legal requirements.
Be Informed, Be Protected, Be Ahead
Unbiased Advice
Ongoing Support
Anonymous Inquiry
Service is FREE For You
Expert Knowledge
Liable for their advice
Consult an health insurance expert for free
You can book a free consultation with Mr. Ruppel (insurance broker) and clarify your doubts about health insurance in Germany.
Mr. Michael Ruppel founded and heads Expat Compass Germany and advises expats on private and public health insurance.
He has decades of experience in health insurance domain and has helped hundreds of expats in navigating the German healthcare system.
What Do The Clients Say?
Our partner insurance brokerage firm offer over 3000 consultations every year and have supported 1000s of people with finding the right health insurance plan in Germany.
How it works?
Book a consultation
Discuss your needs with an expert
Receive personalized health insurance recommendations
Why get advice from an health insurance broker?
Insurance Broker
- Free for you as paid by the insurance company
- Works for you
- Access to multiple insurance companies
- Liable for their advice
Fee-based Insurance Advisor
- Paid by you
- Works for you
- Access to multiple insurance companies
- Liable for their advice
Insurance Agents
- Free for you as paid by the insurance company
- Works for an insurance company
- Represent a single insurance company
- Not liable for their advice
Frequently asked questions
Can I get private health insurance if I have pre-exsiting conditions?
Insurance brokers can make an anonymous inquiry to find out which private health insurance companies will accept you at what conditions. This way your personal data, such as name, address, etc. is not shared the insurance provider.
If you inquire about the offers yourself and get rejected, you risk being added to the Germany’s health insurance register. This makes getting insurance from other providers difficult.
How does family coverage work with private health insurance?
In private health insurance, every individual must get a separate health insurance policy. In public health insurance, you can insure your non-working family members for free.
Can you help with the claims process?
You can upload the invoice directly on the health insurance provider’s website for reimbursement. The insurer usually reimburses the amount within a week or two.
You can also get support from our partner brokers if you need help with filing the claim.
Can I change my private health insurance provider later?
Yes, you can. However, it’s not recommended. This is because you lose around 30% of your retirement provisions saved with the previous insurer.
This is why our partner broker works hard to find the best health insurance policy for you based on your needs and personal situation.