Kishor
Solution Architect · In Germany since 2025.
FOR INDIAN EXPATS & INTERNATIONAL PROFESSIONALS
Insurance for
Expats in Germany.
Advice First. Support Always.
We are an insurance broker for expats in Germany, specialising in the Indian community. Personal advice in English and Hindi, with support before and after you choose
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THE GERMAN SYSTEM
See the bigger picture
of your life in Germany.
Health insurance, pensions, taxes and financial planning all affect each other. We help you understand your options and make decisions that fit your life and your future.
SEE HOW IT ALL CONNECTS
How We Help
We take care of your insurance in Germany, so you can focus on your life.
Insurance in Germany can be complicated. We explain what matters clearly and help you handle the German side.
- All paperwork and insurer calls handled in German on your behalf.
- Support throughout the claims process.
- Personal advice in English and Hindi.
- Your German insurance policies in one place through our 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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Hiral
In Germany since 2012
-
Emina
Tax Consultant – Financial Services
-
Sunil
Moved to Germany 20 years ago for his master’s degree
-
Sumit
Cloud Computing Engineer · Living in Germany for 10 years
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Kishor
Solution Architect · In Germany since 2025.
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Hiral
In Germany since 2012
-
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
-
Hiral
In Germany since 2012
-
Emina
Tax Consultant – Financial Services
-
Sunil
Moved to Germany 20 years ago for his master’s degree
-
Sumit
Cloud Computing Engineer · Living in Germany for 10 years
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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.
Learn more
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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.
Learn more
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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.
Learn more
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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.
NEOdirect Knowledge
Read the complete Legal Insurance Guide
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.
Learn more
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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.
Learn more
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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.
NEOdirect Knowledge
Read the complete PKV Guide
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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.
NEOdirect Knowledge
Read the complete Term Life Guide
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.
NEOdirect Knowledge
Read the complete Pension Guide
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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.
Learn more
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Step 3 · Protect your property
Building 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.
Learn more
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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.
Discuss property investment
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
Check my Insurance Setup
Free & no obligation
What Indian professionals in Germany say
You don’t have to deal with insurance alone.
A confusing letter? A claim? Unsure what your policy covers? That’s what we’re here for.
We explain what matters, help with the paperwork and speak to your insurer on your behalf. In English or Hindi, with clear next steps so you know where things stand.
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 Insurance. Retirement. Investments. Real estate.
Our team brings together specialists to help you protect your family, plan for retirement and build wealth in Germany.
- Insurance: Health, income and family protection.
- Retirement planning: Pension options and a plan for your future.
- Investments: Strategies that fit your goals.
- Real estate: Guidance on buying a home or an investment property.
YOUR INSURANCE, WITH SUPPORT
Expert advice. Confidence in your decisions.
Understand your options, choose suitable cover and get support when you need it.
Swipe to compare
| Topic | On your own | With NEOdirect |
|---|---|---|
| Research | Compare policies yourself | We compare suitable options |
| Expertise | Hoping you’ve chosen the right insurance | Clear recommendations from experienced specialists |
| Language | Navigate German documents | Clear explanations in English or Hindi |
| Claims | Contact the insurer yourself | Support with your claim |
| Paperwork | Manage forms and letters | Help with paperwork and insurer contact |
| Ongoing support | Review changes yourself | A team to turn to as life changes |
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
Get started for free
FAQ
Insurance questions expats 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.
The German System
ONE mistake.
ZERO insurance payout.
Don't let a language barrier risk your hard-earned money and your legal stay in Germany.
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How We Help
We handle the German parts so you can focus on your life.
Everything your employer's HR department forgot to tell you, in English or Hindi, while we handle the German side.
- All paperwork and insurer calls handled in German on your behalf
- Advice in English and Hindi.
- Claims supported from first letter to final payout.
- All your German policies in English via our smart app
With a guide vs. on your own
What changes when
you have someone on your side?
A side-by-side look at what's easier when someone already knows the German system.
| On your own | With NEOdirect | |
|---|---|---|
| Time investment | Hours of research | We handle the heavy lifting |
| Expert advice | No guidance | Licensed broker team |
| Language Why it matters most | Mostly German paperwork | English or Hindi support, German handled for you |
| Claims support | Call centers in German | Personal ongoing support |
| Cost | Risk of expensive mistakes | Free consultation to start |
Simplr App · Powered by NEOdirect
Keep all your German insurance contracts in one place.
Track your policies, renewal dates, and important documents in one simple app with NEOdirect handling the German side for you.
- Documents translated to English
- One-click claim reporting
- Automatic renewal reminders
FAQ
Questions Indian expats ask us most.
Need a question answered? Send it on WhatsApp and we’ll reply directly.
Our Orientation service is completely free. For our Planning and Long-term Guidance services, there is a small monthly fee. The insurance policies themselves cost the same whether you buy through us or directly. Our broker commission is already included in every policy price.
We translate the system, the contracts, and the insurer communication so you can make decisions on your own terms instead of guessing your way through German paperwork.
We speak English & Hindi, compare 300+ insurers across the market, handle all German paperwork, and support you with claims, at no extra cost for the insurance itself.
Yes. Health insurance is mandatory by law. Liability insurance is strongly recommended, even a small accident can cost you thousands. Legal insurance protects you in disputes with landlords or employers. We help you understand exactly what you need based on your situation.
We review your existing contracts, explain what you have in plain English, and tell you whether the cover still fits your situation. You are under no obligation to change anything.
Yes! Our team speaks English and Hindi. We communicate with you in the language you’re most comfortable with, and handle all German communication with insurance companies on your behalf.
Yes. Health insurance (Krankenversicherung) is mandatory for every person living in Germany, including Indian nationals. You cannot obtain a residence permit without proof of insurance. Most employed Indians earning under €77,400/year are automatically enrolled in public health insurance (GKV) through their employer. Above this threshold, or if self-employed, you may choose private health insurance (PKV).
GKV is Germany’s public health insurance, mandatory for employees earning under ~€77,400/year. It covers your spouse and children for free, and your contribution is split with your employer. PKV is private health insurance, which offers faster specialist access and broader coverage, but each family member requires a separate policy. For most Indian IT employees and students, GKV is the correct starting point, since switching back from PKV to GKV is very difficult once you opt out.
No. Indian health insurance policies are not accepted by German authorities as valid coverage for residence permit applications. You need German-recognized insurance, which means either GKV, PKV, or an approved international health insurance provider. For short Schengen visits (under 90 days), Indian travel insurance covering at least €30,000 may be accepted, but it is not valid for residence.
Yes, it is strongly recommended and many landlords require it. In Germany, you are personally liable for all damage you accidentally cause to others, so losing a landlord’s keys can cost €2,000+, and a cycling accident that injures someone can result in claims exceeding €100,000. Haftpflichtversicherung costs as little as €5/month and typically covers up to €50 million in damages, which makes it one of the first things to arrange on arrival.
It is extremely difficult once you have opted out of GKV. The only paths back are: (1) your income drops permanently below €77,400/year, (2) you become unemployed, or (3) you reach age 55+ with a specific employment change. This is why the PKV decision requires careful long-term planning before opting out.
Book a free 30-minute call with a specialist
No German required. Bring your questions, we'll explain your options clearly and tell you what to do next.
No pressure. No obligation.