Kishor
Solution Architect · In Germany since 2025.
Insurance for
Indians in Germany.
Clear advice in English or Hindi. Personal support. No pressure.
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Takes only 2 mins
The German System
ONE mistake.
ZERO insurance payout.
Don’t let a language barrier put your hard-earned money or your legal status in Germany at risk.
Understand the German system
How We Help
We take care of the German parts so you can focus on your life.
Everything your employer’s HR department didn’t tell you about insurance in Germany, explained in English or Hindi, while we handle the German side.
- All paperwork and insurer calls handled in German on your behalf
- Claims supported from the first letter to the final payout.
- Personal advice in English and Hindi.
- All your German insurance policies explained in English through our smart app.
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Hiral
In Germany since 2012
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Sumit
Cloud Computing Engineer · Living in Germany for 10 years
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Emina
Tax Consultant – Financial Services
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Sunil
Moved to Germany 20 years ago for his master’s degree
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Hear from our clients
Real experiences with NEOdirect
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More than insurance
Honest stories from people we\'ve helped
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Kishor
Solution Architect · In Germany since 2025.
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Hiral
In Germany since 2012
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Sumit
Cloud Computing Engineer · Living in Germany for 10 years
-
Emina
Tax Consultant – Financial Services
-
Sunil
Moved to Germany 20 years ago for his master’s degree
-
Hear from our clients
Real experiences with NEOdirect
-
More than insurance
Honest stories from people we\'ve helped
Your insurance journey in Germany
Build the cover that fits your life in Germany.
Start with what matters now, then add the right protection as your life in Germany becomes more settled.
New in Germany
Are you in your first 6 months in Germany?
Start with the essentials. Here’s a simple insurance checklist to help you get properly set up in Germany, without trying to figure out everything at once.
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Step 1 · Foundation
Public health insurance (GKV)
Health insurance is mandatory in Germany. We help you understand your options and choose a provider that fits your income, job and family situation.
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Step 2 · Protection
Personal liability insurance (Haftpflicht)
One accident can become expensive. Personal liability insurance protects you financially if you accidentally injure someone or damage their property.
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Step 3 · Moving in
Rental deposit insurance (Kautionsversicherung)
Instead of tying up several months’ rent as a cash deposit, rental deposit insurance can help you keep that money available for moving and settling in.
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Step 4 · Everyday
Legal insurance (Rechtsschutz)
Legal disputes in Germany can get expensive. Legal insurance can help cover eligible legal costs for disputes involving work, your landlord, traffic or everyday life.
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Settling in
Are you building a life in Germany?
Once the basics are in place, it’s time to protect what you’re building, your income, your home and the people who depend on you.
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Step 1 · Protect your home
Household contents (Hausrat)
Protects the things that make your home yours, including furniture, electronics, bikes, jewellery and personal belongings you brought with you from India, against risks such as fire, water damage, burglary and storms.
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Step 2 · Protect your income
Disability cover (Berufsunfähigkeit)
Provides a monthly income if illness or injury leaves you unable to work in your profession. Applying while you’re younger and healthier can make cover easier and less expensive to secure.
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Step 3 · Review your health cover
GKV vs PKV review (Krankenversicherung)
A new salary, job, self-employment or family situation can change your health insurance options. We help you review whether public or private health insurance makes sense for your situation, including the long-term consequences.
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Step 4 · Protect your family
Term life insurance (Risikolebensversicherung)
Pays an agreed lump sum if you die during the insured term, helping protect your partner, children or other people who depend on your income, whether they live in Germany or back home.
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Long-term
Have you been in Germany for more than 3 years?
Once Germany starts to feel like home, the bigger financial questions come into focus. Retirement, investments, property and how your plans in Germany connect with your future in India.
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Step 1 · Plan your retirement
Retirement planning (Altersvorsorge)
Your German state pension may only cover part of the retirement you have in mind. We help you understand your pension gap and compare suitable private and tax-supported options based on your income, tax situation and long-term plans.
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Step 2 · Build your wealth
Investment planning (Vermögensaufbau)
Once your essential protection is in place, we help you build a long-term investment strategy around your goals, available income and whether your future is in Germany, India or both.
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Step 3 · Protect your property
Property insurance (Wohngebäudeversicherung)
If you own a house or apartment, buildings insurance protects the property itself against insured risks such as fire, water damage and storms. Together with household contents insurance, it helps protect both your property and the belongings inside it.
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Step 4 · Consider property investment
Real estate investment (Immobilieninvestment)
Buying property in Germany can raise unfamiliar questions about financing, ongoing costs and your long-term plans. We help you look at the numbers and understand how a property fits into your financial life, especially if you may return to India later.
Learn more
Included in our free service
These policies can be managed by us at no extra cost.
Ongoing support for these policies is included in our free service and clearly documented in your broker agreement.
View sample broker agreement See what's included in our service
- Contract review included
- German paperwork handled
- Ongoing support when your life changes
Get my personal checklist reviewed
Free, no signup needed
What Indian professionals in Germany say
A person reads
every message you send.
We talk with you in plain English or Hindi, and with your insurer in formal German, so nothing gets lost in translation.
Every contract is handled by one dedicated advisor who knows your name, understands your situation, and remembers what you asked last time.
Martin & Firat The people behind NEOdirect.
NEOdirect was founded in 2022 by Martin and Firat with one clear goal: to give Indian expats in Germany honest, personal advice in a language they understand and people they can trust.
Our Specialists Expertise for every stage of your financial life in Germany
Our specialists support you across:
- Private and public health insurance
- Term life insurance and retirement planning
- Income protection and disability insurance (BU)
- Real estate and investment planning
With a guide vs. on your own
What changes when
you have someone on your side?
A side-by-side look at what becomes easier when someone already knows the German system.
| On your own | With NEOdirect | |
|---|---|---|
| Time | Hours of research | We handle it |
| Advice | Figure it out yourself | Personal expert advice |
| Language | Mostly German | English or Hindi |
| Claims support | German call centers | Personal support |
| Paperwork | Handle it yourself | We handle the German |
| Cost | Depends on provider | No extra cost |
Simplr App · Powered by NEOdirect
All your German insurance in one place.
Keep track of your policies, documents and important dates in one simple app, while NEOdirect handles the German side for you.
- Your policies explained in English
- Simple claim reporting
- Important dates at a glance
FAQ
Insurance questions Indians
in Germany ask us most.
Still have a question? Send us a message on WhatsApp. A real person from our team will reply.
Yes. Our insurance advice and ongoing broker service come at no extra cost to you.
When you take out an insurance policy through us, we are generally paid by the insurer through a commission that is already included in the insurance premium.
NEOdirect is an insurance broker supporting Indian expats and professionals in Germany.
We explain German insurance in English or Hindi, compare suitable providers, handle German paperwork and insurer communication, and support you with your policies and claims.
Health insurance is mandatory in Germany. Other insurance depends on your job, family, income and personal situation.
Personal liability insurance is not mandatory, but is one of the most important types of protection to consider. We help you understand what you need and what you can skip.
Yes. NEOdirect provides insurance advice in English and Hindi.
You speak with us in the language you’re comfortable with, while we communicate with German insurance companies in German.
Yes. We can review your existing German insurance contracts, explain the coverage in plain English and check whether the policies still fit your current situation.
You don’t have to change anything just because we review it.
In many cases, yes.
With your permission, we can take over the ongoing support of existing policies. We clearly document which contracts we manage in your broker agreement.
Yes.
Send us the details and documents. We help you understand what the insurer needs, communicate with the German insurance company and support you through the claims process.
Yes. Personal support is a core part of how we work.
Your advisor knows your situation and your policies, so you don’t have to explain everything again each time you need help.
Yes.
We can look at your insurance as a family, including health insurance, personal liability, income protection and financial protection for people who depend on your income.
Talk to us before you leave Germany.
We can review your German insurance contracts, identify what should be cancelled, changed or continued, and help with the communication with your insurers.
Yes.
Send us the letter and we’ll explain what it means in plain English or Hindi and help you understand what you need to do next.
No.
We support Indians at different stages of life in Germany, from choosing insurance after arrival to protecting a family, planning for retirement, investing and buying property.
Send us a message on WhatsApp or book a call.
We’ll first understand your situation, what insurance you already have and what you actually need. Then we’ll guide you through the next steps.
Book a free 30-minute call with a specialist
Insurance advice for Indian expats in Germany, in English or Hindi. Bring your questions and we’ll explain your options clearly and help you understand the right next steps.
No pressure. No obligation.