Real people. Real experiences.
See why expats choose NEOdirect
German insurance made easier for Indians in Germany.
Personal advice in English or Hindi. German handled for you.
NEOdirect helps you understand your insurance, compare suitable options and manage your policies, paperwork and claims throughout your life in Germany.
Does this sound like you?
Situations NEOdirect helps with
You received a German insurance letter
You’re not sure what it means or whether you need to do anything.
You already have insurance
But you’re not sure if it actually fits your life in Germany.
You need to speak to your insurer
But explaining your situation in German feels difficult.
You need to file a claim
And you want someone to guide you through the process.
What we do
We take care of your insurance in Germany
Many of our clients come to us with policies from comparison portals, banks, employers or different advisors. We review what you already have, bring everything together in one place and handle the German admin that comes with it.
01
We review your current contracts
Send us what you already have. We review your policies, explain the important parts in plain English or Hindi and show you where something may be outdated, missing or unnecessarily expensive.
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Outdated terms
Your policy is several years old. We check whether newer tariffs offer stronger protection or better conditions.
Price check
We compare what you pay with suitable alternatives currently available.
Missing coverage
We identify important exclusions or gaps and explain whether they actually matter for your situation.
Our recommendation
Keep it, change it or improve specific parts. We explain why and you decide.
Sometimes the best advice is to leave it alone
Not every review ends with a new policy. If your existing contract is well structured and fairly priced, we tell you to keep it. And if we think you do not need something, we tell you that too.
02
We organise everything in one place
No more searching through emails for a policy number, document or renewal date.
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
Keep your policies, important dates and documents together with SimplR, while NEOdirect remains your personal contact.
03
We handle the day-to-day insurance admin
Once we manage your policies, you do not have to deal with every German letter, insurer request or contract update alone.We handle the routine work and come to you when something actually needs your attention or decision.
Claims & ongoing support
We handle the German side for you
A claim, a letter you don’t understand, a change in your job or plans involving India. You can come to us whenever something changes. We help you understand what it means and deal with the insurer in German.
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।
We understand life between Germany and India
Family back home, joint financial decisions and plans to stay in Germany or return to India are part of the conversation.
Practical guidance
A new job, salary change, marriage, children, a move or a change in your plans. We check what it means for the insurance you already have.
No jargon, no pressure
Clear explanations and time to decide. Sometimes the right answer is to wait or change nothing, and we’ll tell you when that is the case.
How it works
Clear insurance advice in a language you understand
From your first conversation to ongoing support, we keep the process simple and explain each step in English or Hindi.
Book your free call
Free 30-minute call. No pressure. No obligation.
01
We get to know your situation
We look at
- Insurance you already have
- Your job and income
- Your partner and family
- Your plans in Germany and India
- What matters to you right now
02
We review and compare
We check
- What you already have covered
- Where there may be gaps
- What you may not need
- Whether your current contracts still fit
- Which alternatives may suit you better
03
We stay by your side
We help with
- German insurer communication
- Claims and paperwork
- Contract changes
- Important renewals
- Ongoing insurance questions
Costs & transparency
We work for you, not for one insurance company
NEOdirect is a Versicherungsmakler. That means we are not tied to a single insurer and can compare products from a broad range of insurance companies to find suitable options for your situation.
| Tied Agent | NEOdirect | |
|---|---|---|
| Choice | One insurer | 300+ insurers |
| Advice | Their product range | Your individual situation |
| Ongoing support | Mainly their products | Policies across multiple insurers |
| Payment | Paid through the insurer | Usually paid through insurer commission |
More choice, without doing the comparison yourself
We work with more than 300 insurance companies across the German market.
Depending on the type of insurance and your situation, we compare suitable providers, conditions and coverage instead of limiting you to one insurance company.
Some of the insurers we work with include:
- 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
Clear about costs. Clear about commission.
You should know how your advisor gets paid before you make a decision.
For most insurance policies, you do not pay NEOdirect a separate fee. When we arrange a policy, we usually receive a commission from the insurer. This is generally already included in the insurance premium.
Same policy. Same example price.
| Where you buy | Liability, per year |
|---|---|
| Direct from Insurer | €50 |
| Through a comparison portal | €50 |
| With NEOdirect | €50 |
In this example, the insurance premium is the same. With NEOdirect, advice and ongoing broker support come at no separate cost.
For long-term products, we look deeper
Private health insurance (PKV), disability insurance (BU) and retirement products can stay with you for many years.
For these decisions, we explain the relevant costs and conditions before you commit, including acquisition and ongoing costs where applicable.
You also receive the official product information and documents provided for the recommended product.
No hidden surprises
Commissions are a normal part of the German insurance system. We do not hide how we get paid.
You see the costs, understand the recommendation and make the final decision.
Reviews
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
Experience you can trust. Advice that feels personal.
NEOdirect brings together decades of experience in the German insurance market with a deep understanding of what it means to build a life in Germany with roots somewhere else.
Martin Grödl
Founder & Head of Strategy
Working in the German insurance market since 1993. Many clients simply call him “Mr. Martin”, a reflection of the personal relationships and trust he has built over the years.
Firat Üstüner
Founder & Chief Client Advisor
Growing up as the son of an expat, Firat knows how difficult the German system can be when the language, rules and paperwork are unfamiliar. Today, he makes sure our clients feel understood and supported throughout their journey.
Since 1993
Experience in the German insurance market
IHK Registered
§ 34d GewO
300+ Insurers
Broad access across the German market
5.0 on Google
80+ reviews
Talk to the right specialist
Health insurance, retirement, investments and property all come with different rules and decisions. That is why we bring in the right specialist for what you need.
Nina
Health Insurance
Focus areas
- GKV and PKV
- Family coverage
- Health insurance changes
Melanie
Pension Planning
Focus areas
- Private pensions
- Rürup and Riester
- Long-term retirement planning
Tim
Wealth Planning
Focus areas
- ETFs
- Asset allocation
- Long-term wealth building
Harpreet
Real Estate
Focus areas
- Property financing
- Buying property in Germany
- Real estate investment
Navpreet
Investment
Focus areas
- Investment planning
- Wealth strategies
- Long-term financial goals
Want to know more about the people behind NEOdirect?
Beyond insurance, too.
Taxes, legal questions and other specialist topics sometimes fall outside what an insurance broker can advise on.
When that happens, we can connect you with trusted professionals from our network, so you know who to speak to next.
FAQs
NEOdirect insurance services for Indians in Germany
Clear answers about how NEOdirect helps Indian expats with German insurance, what a Versicherungsmakler does, how we get paid and what support you receive.
NEOdirect is a German insurance broker (Versicherungsmakler) helping Indians living and working in Germany with their insurance.
We provide personal advice in English or Hindi, review existing insurance policies, compare suitable options, handle German insurer communication and support clients with paperwork, contract changes and claims.
Yes. NEOdirect operates as a registered Versicherungsmakler under § 34d GewO.
A Versicherungsmakler is an insurance broker with a specific legal status in Germany and is not tied to one insurance company.
For our insurance advice and ongoing broker service, clients generally do not pay NEOdirect a separate fee.
When we arrange an insurance policy, we are usually paid through a commission from the insurer that is included in the insurance product.
We explain how we are paid before you make a decision.
Yes. NEOdirect provides insurance advice in English and Hindi for Indians living in Germany.
You can discuss your questions with us in English or Hindi while we handle communication with German insurance companies in German.
A Versicherungsmakler is a German insurance broker who is not tied to one insurance company.
Unlike a Versicherungsvertreter, who represents one or more insurers, a Versicherungsmakler generally acts on the customer’s side when arranging insurance within the agreed scope.
A Versicherungsvertreter represents one or more insurance companies. A Versicherungsmakler is not tied to one insurance company and can consider products from different insurers within the market basis used for the recommendation.
Both can provide insurance advice, but they have different legal positions in the German insurance distribution system.
Yes. NEOdirect can compare suitable insurance products from more than 100 insurance companies available through our market access.
Not every insurer or tariff in Germany is available through every broker. We explain the relevant options considered and why a particular solution may fit your situation.
A Maklervertrag defines the relationship between you and NEOdirect as your insurance broker.
It can authorise us to review and manage agreed insurance policies, communicate with insurers and support you with contract changes and claims.
A Maklervertrag is not an insurance policy. You remain in control of your insurance decisions.
Yes. NEOdirect can review existing German insurance policies, including contracts you arranged before becoming a client.
We explain the coverage in plain English, identify potential gaps or overlaps and check whether the contracts still fit your current situation.
If your existing insurance is already suitable, we may recommend keeping it.
In many cases, yes.
With your permission and where the contract allows it, NEOdirect may be able to take over ongoing broker support for existing insurance policies.
We clearly document which contracts we manage for you.
Yes. NEOdirect supports clients with insurance claims for policies within our agreed scope.
We help you understand what information and documents are required, assist with insurer communication and guide you through the claims process.
Yes. If you receive a German insurance letter you do not understand, you can send it to NEOdirect.
We explain what it means in English or Hindi, whether action is required and what you should do next.
Yes. Our goal is to recommend insurance based on your actual situation, not to sell every available product.
If your existing cover is suitable, we can recommend keeping it. If a policy is unnecessary or the timing is not right, we will tell you.
Yes. NEOdirect provides ongoing broker support for the insurance policies we manage.
This can include questions about your cover, German insurer communication, contract changes, paperwork and claims.
Yes. Changes such as a new job, salary increase, marriage, children, buying a home or becoming self-employed can affect your insurance needs.
We can review your existing insurance and determine whether anything needs to change.
Yes. If you plan to leave Germany, NEOdirect can review the German insurance policies we manage and help identify which contracts may need to be changed, cancelled or reviewed before you move.
We can also handle relevant communication with German insurers within our agreed scope.
Book a free 30-minute call or contact NEOdirect on WhatsApp.
We first understand your situation, existing insurance and questions. We then explain the relevant next steps in English or Hindi.
No pressure. No obligation.
Still have a question about insurance in Germany?
Send us a message on WhatsApp and a real person from the NEOdirect team will reply.
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