Who we are
Apna Advisor in Germany
NEOdirect is a team of insurance brokers for Indian expats. Apna Advisor means your own advisor, someone who represents you and explains the German system in a language you actually speak.
Our story
How NEOdirect started
A few years ago we kept noticing the same thing. Many Indian expats were searching for advice in English, and yet English on its own rarely got them where they wanted to be. The German system is genuinely complex, so when you do not yet know how it works, an adviser whose job is to sell you something cannot really help. Too often the result is a policy explained in English that neither side fully understands.
We chose to work differently. As brokers we sit on your side of the table, and for four years we have explained what that actually means in practice. We start with financial planning and only then look at products, because the cover that sounds impressive in a brochure almost never fits the real life of an Indian IT professional in Germany.
NEOdirect grew straight out of that conviction. After 33 years in the German insurance market, Martin realised how well he understood Indian culture and the people he was advising, and in 2022 that understanding became NEOdirect, built together with Firat, an expat who had lived the same confusion himself.
After 33 years in this industry, I realised I understood the people I was advising and their world. In 2022, that became NEOdirect.
Our journey
The journey from India to Germany, and ours alongside it
Every client we meet is making the move from India to Germany, and NEOdirect grew alongside that journey. Here is how we went from one broker to a digital company built for the people making it.
Where it began
Martin starts his career in the German insurance world.
Specialising in PKV leads
Martin acquires the domain privatekrankenversicherung.de and becomes a lead provider for private health insurance — the start of more than 25 years as one of Germany's most experienced PKV specialists.
A focus on health cover
Martin becomes a health insurance broker in Frankfurt am Main.
NEOdirect is born
A fresh start with its own philosophy, built from the ground up as a digital company for Indian expats.
A community takes shape
We start the Facebook group 'Insurance Broker Tips for Indians in Germany', now home to 3,500 members.
The sweetest experience
To celebrate our launch we bought 120 crates of Alphonso mangoes and personally delivered them to our Indian clients across Germany — the sweetest way we know to say thank you.
Close to the community
We have stayed close to Indian communities across Germany, including sponsoring the 
St. Ingbert Cricket Club.
Our own home in Eschborn
We move into our own office in Eschborn.
A journey to India
Martin travels to India to understand better where our clients begin their journey, and what they need before they arrive in Germany.
A new website
We launch a new website built around the journey from India to Germany, so every stage is easier to follow.
The name
The idea behind NEOdirect
The name carries the whole idea. Neo is our fresh approach to advice, and direct means we come straight to you rather than routing you through agents who answer to an insurer. As licensed brokers we represent you, so our role is to tell you the real story behind the German system instead of moving one company's products.
And yes, if the name brings a certain film to mind, with a hero taking on the agents, we take that as a compliment.
What makes us different
How we work with you
We answer to you
As licensed brokers we act in your name. Our clients call us their Apna Advisor, their own advisor, and that is exactly the role we play.
Planning before products
We look at your full financial picture first and then search for cover that fits, rather than leading with whatever happens to sound good on paper.
Honest, clear pricing
Your first orientation is free, and the broker commission is already part of every policy price, so a policy costs the same through us as it would buying direct.
Advice in your language
We speak English, Hindi and Punjabi, with a German accent and a genuine feel for the Indian context, while we handle all the German paperwork for you.
We know the rules
More than 33 years in the German market mean we understand how the system really works, so you can make confident decisions instead of guessing your way through.
We stay by your side
Our work does not end once a policy is signed. When you need to make a claim or adjust your cover as life changes, we are still the people you call.
Five-star reviews
Insurers we compare
Years in the market
Clients guided
Coming August 2026
Liability cover built for Indian families
In August 2026 we are launching our own liability insurance, designed around the needs of Indian families living in Germany. It can even cover your parents while they are visiting you here, so the people closest to you are protected too.
The team
The people behind the advice
Behind NEOdirect is a team of specialists for Indian expats, led by Martin and Firat. You always work with a real person who knows your situation.
Community
Where expats help each other
Beyond one to one advice, we share what we know in the open, so you can learn at your own pace and ask questions whenever they come up.
Facebook group
3,500 members
Insurance Broker Tips for Indians in Germany
A space where Indian expats share real questions and honest answers about insurance and everyday life in Germany.
Join the groupYouTube
@neodirect_in
The German system, explained on video
Short, clear videos that break down how insurance and the German system work, in plain English.
Watch on YouTubeNEOdirect GmbH & Co. KG
Company updates and insights
Follow NEOdirect for company news and a behind the scenes look at how we help expats navigate insurance in Germany.
Follow on LinkedIn@neo_direct
Tips and stories from daily life in Germany
Quick insurance tips and a look at expat life in Germany, shared in short posts and stories.
Follow on Instagram
Talk to a real person
Ready for advice that is on your side?
Book your free consultation now, with no strings attached, and a real adviser will walk you through your options in plain English.
No pressure. No obligation.