Real people. Real experiences.
See why expats choose NEOdirect
Get clarity on your insurance in Germany
For Indian Expats in Germany
NEOdirect helps you understand what you have, compare your options, and get support whenever you need it.
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See How We Work
Takes only 2 mins
Does this sound like you?
Situations NEOdirect helps with
A German insurance letter arrives and you are not sure what it means or if you need to act.
You bought insurance online or through someone quickly, but you are not confident it actually fits your life in Germany.
You need to talk to your insurance company, but you do not know how to explain your situation in German.
You want to file a claim, but you are worried about doing something wrong or missing steps.
What we do
We take care of your insurance in Germany
Most clients arrive with a mix of policies from Check24, banks, or employer tips. We read them, line them up in one place, and handle the admin that usually piles up.
01
We review your current contracts
Bring us what you have. We mark it up together and explain what is inside, in plain English.
Versicherungsschein Nr. 4587-22-A
Versicherungsnehmer: ███████████████
Tarif: PrivatHaftpflicht Komfort 2018
Versicherungssumme: 5.000.000 EUR
Selbstbeteiligung: 250 EUR
Jahresbeitrag: 98,40 EUR
Vertragsbeginn: 01.07.2018
Schutz für Tätigkeiten als Arbeitnehmer ███████
Schlüsselverlust mitversichert: nein
Forderungsausfalldeckung: nicht enthalten
██████████████████████████████████████████
███████████████████████████████████
Outdated terms
This 2018 tarif is missing newer protections like e-bike liability and €10M coverage that's now standard for similar premiums.
You're overpaying
€98/yr with €250 deductible is on the high end. Comparable coverage is available around €52/yr with no deductible.
Missing coverage
No Forderungsausfall (uninsured-third-party protection) and no Schlüsselverlust. Both matter for renters.
Recommendation
Switch to a current-generation tarif. Estimated saving: ~€46/yr with better coverage.
Sometimes the verdict is: leave it alone
Not every review ends in a switch. We often look at a contract and tell you it is already well priced and well structured, so the best move is to keep it. We have also talked clients out of buying things, like disability cover before a visa was settled, when the timing or the add-on did not fit their situation.
02
We organise everything in one place
No more hunting through emails for a policy number, or guessing when something renews.
Active contracts
Health · Techniker Krankenkasse
TK-098-7745
€612/mo
renews rolling
Liability · Haftpflichtkasse
HK-2023-998
€4.50/mo
renews 01 Jul 2026
Disability · Alte Leipziger BU
AL-BU-558-XX
€38/mo
renews rolling
Household · DEVK Hausrat
DEVK-3309
€7.80/mo
renews 15 Mar 2026
Travel · ERGO ReiseSchutz
ERG-T-7755
€38/yr
renews annual
Annual savings found
€186
Average per optimised client
Liability optimised
−€46/yr
Renewal alert set
German letters handled
Coming up
Annual review call
In 2 weeks
BU contract check
Next month
All your insurance in one app
Track policies, renewal dates and documents with SimplR.
03
We actively manage the day-to-day admin
Once your policies are with us, we handle the small tasks that pile up and surface anything that needs your decision.
Claims & support
We handle the German side for you
Family in India, joint financial decisions, plans that may include going back. Our advice is shaped around the situation, not against it.
You
I have a TK letter I don't understand. Can you help?
Navpreet
Of course, forward it on WhatsApp. I'll translate and explain in plain English.
आप
मेरे पास TK से एक लेटर है जो समझ नहीं आ रहा। क्या आप मदद कर सकते हैं?
Navpreet
बिल्कुल, WhatsApp पर भेज दीजिए। मैं ट्रांसलेट करके सरल भाषा में समझा दूंगा।
Cultural familiarity
Joint financial decisions, family back home, and multi-generational planning are all considered, not dismissed.
Practical guidance
Real expat realities like visas, family in India, and plans to stay or eventually return.
No jargon, no pressure
Clear explanations. Time to think. The right answer is sometimes 'wait', and we'll say so.
How we work
Clear insurance advice in a language you understand
We work through your cover in three stages — from first conversation to long-term support.
Book your free call
Free 30-minute call with no pressure.
01
Understand your situation
What this includes
- Your current insurance
- Your family situation
- Time horizon in Germany
- Work and income context
- Goals and concerns
02
Review and compare
What this includes
- What is actually covered
- What may be unnecessary
- Whether pricing still makes sense
- Outdated terms and conditions
- Better options available
03
Support you long-term
What this includes
- German insurer communication
- Claims support
- Contract updates and renewals
- Annual service appointments
- Ongoing guidance
Transparency
We act for you, not the insurance company
In Germany, the legal structure of who you buy from decides whose interest comes first. As a Versicherungsmakler we work for you, and we compare cover across around 90 percent of the market.
| Tied Agent Works for one insurance company | NEOdirect Versicherungsmakler, not tied to any insurer Your broker | |
|---|---|---|
| Whose products can they sell? | Only their company's. | 100+ insurers, around 90 percent of the German market. |
| Whose interest do they represent? | The insurer's. | Yours, legally bound to act in your best interest. |
| How are they paid? | Commissions for selling that company's products. | Commissions are paid by insurers when policies are placed, never by you. |
| Can they support multiple insurers later? | No. | Yes, across every provider you have. |
People often look for an independent insurance broker, meaning someone who works for them rather than for a single insurer, and that is what we do as a Versicherungsmakler. We compare cover from more than 100 insurers, around 90 percent of the German market, and we earn the same whichever insurer you choose. We avoid the word independent, because in Germany it implies access to every company without exception, which no broker reaches.
A look at 100 of the insurers we can place your cover with.
- Allianz
- AXA
- Generali
- ERGO
- R+V Versicherung
- Signal Iduna
- Gothaer
- Wuerttembergische
- Provinzial
- DEVK
- LVM Versicherung
- Continentale
- Barmenia
- Hallesche
- DKV
- Central Krankenversicherung
- Versicherungskammer Bayern
- Alte Leipziger
- HanseMerkur
- Nürnberger
How we get paid
100% transparent. 0% hidden fees.
How an advisor is paid shapes the advice you get, so we are open about our commission from the start. You never pay us directly and never pay more for using us, because the insurer sets the same premium wherever you buy.
Same price, wherever you buy
| Where you buy | Liability, per year |
|---|---|
| Directly at AXAThe insurer's own site | €50 |
| Through Check24A comparison portal | €50 |
| With NEOdirect Advice included Free advice | €50 |
The premium is identical at all three; with us the advice comes at no extra cost.
Bigger products get the full cost breakdown
Private health (PKV), disability (BU), and pension contracts run over decades, so for these we lay out the full cost structure of each offer side by side, including acquisition, ongoing, and fund costs, and every offer comes with its official product information sheet (Produktinformationsblatt). On PKV our commission is even paid pro-rata over the years, so if you cancel early we earn less.
Commissions are a normal part of insurance, yet they are rarely explained. You deserve to know how your advisor earns before you trust them with a long-term decision.
5.0 on Google · 80 reviews
Stories from the Indian community in Germany
Real reviews from Indian professionals who found clarity, savings, and someone who actually picks up the phone.
5.0
Average rating
Across 80 reviews
80+
Google reviews
And growing
100+
Insurers compared
~90% of the market
€186
Avg. yearly saving
Per optimised client
Kishor
IT Solution Architect
“They explained my health insurance options without any pressure and helped me pick what fit my family. Quick replies on WhatsApp too.”
“A German letter from my insurer was stressing me out. I forwarded it and got a clear explanation the same day. Huge relief.”
“Honest advice. They actually told me one of my policies was fine and not to switch. That built a lot of trust.”
Who we are
Licensed advisors. 100% in your corner.
NEOdirect was built by a long-time German broker and an expat who lived the confusion himself, so the advice comes from both sides.
Martin Grödl
Founder & Head of Strategy
33 years in the German insurance market. Many clients simply call him “Mr. Martin” – a reflection of the trust he has built over decades of honest, personal advice.
Firat Üstüner
Founder & Chief Client Advisor
Growing up as the son of an expat, Firat knows firsthand how hard the German system can be to navigate. Today he makes sure every client feels heard and supported.
Since 1993
In the German market
IHK Registered
§ 34d GewO
100+ Insurers
Around 90% of the market
5.0 on Google
80 reviews
Talk to the right expert
Each area in German insurance has its own rules, providers, and trade-offs. You get the advisor focused on what you need.
Nina
Health
Focus areas
- GKV vs PKV
- Family coverage
- Switching windows
Melanie
Pension
Focus areas
- Rürup
- Riester
- Long-term planning
Tim
Retirement
Focus areas
- ETFs
- Asset allocation
- Real estate
Harpreet
Real Estate
Focus areas
- Real estate
- Financing
- Property investment
Navpreet
Investment
Focus areas
- Investments
- Wealth strategies
- Lawyer advisory
Want to know more about the people behind NEOdirect?
Beyond insurance, too.
Questions about taxes, German pension systems, or long-term financial planning? If something falls outside our licensing scope, we can connect you with trusted partners, so you can navigate the system with more confidence.
FAQ
Common questions, answered.
No. The first consultation is free and there is no pressure to sign anything. You only ever pay the insurer's premium, which is the same whether you come through us or not.
Yes. We advise in clear English, and several of our team speak Hindi. You can send German letters to us and we will translate and explain them in plain language.
Absolutely. Send us your current policies and we will read them, organise everything in one place, and tell you in plain English what is worth keeping, what to change, and what may be missing.
No. Not every review ends in a switch. We often tell clients a contract is already well priced and structured, so the best move is to keep it. We will only suggest changes that genuinely help you.
Insurers pay a commission when a policy is placed, and we earn the same whichever insurer you choose. You never pay us directly and never pay more for using us. For bigger products like PKV, BU, and pensions we lay out the full cost structure up front.
A tied agent works for one insurance company and can only sell that company's products. As a Versicherungsmakler we work for you, are legally bound to act in your best interest, and compare cover across more than 100 insurers, around 90 percent of the German market.
Yes. Forward us the German letter and we will translate it, advise you on what is needed, and draft the response on your behalf. You only need to send us the documents we ask for.
It matters a lot, and we plan around it. Your time horizon in Germany, family in India, and plans to stay or return all shape the advice. Sometimes the right answer is to wait, and we will say so.
Yes. We are an IHK-registered Versicherungsmakler under § 34d GewO, with more than three decades in the German insurance market.
Book a free 30-minute call or message us on WhatsApp. We will look at where you are, answer your questions, and point you in the right direction, with no pressure to sign anything.
Let’s make sense of your insurance together.
Book a free 30-minute call. We will look at what you have, answer your questions, and tell you honestly what is worth doing next.
Free first call · Licensed broker · English & Hindi