bAV
Employer pension. Check employer contributions, costs, portability and later benefit treatment.
For Indians moving to and living in Germany
Your roadmap for life in Germany
From preparing your move from India to building a career, starting a family, planning for retirement or eventually returning home.
See what matters at each stage, what Germany already provides and which financial and insurance decisions deserve your attention.
30+ years in German insurance
3,500+ Indians in our community
Advice in English & Hindi
You're preparing your move to Germany and trying to understand what you actually need before you fly.
Your visa, health insurance and important documents come first. Most other insurance decisions can wait until you are in Germany and know more about your job, home and plans.
The goal is to arrive prepared without signing long-term contracts too early.
What we see most often
People buy more temporary health insurance than they actually need because they are unsure when their regular German cover will start.
Do before you move
- Check your visa health insurance requirements
Make sure you have health insurance that meets the requirements for your visa and your situation when entering Germany. - Cover any gap before your regular health insurance starts
If there is a gap between your arrival and the start of your regular German health insurance, make sure you have suitable temporary cover. - Bring the important documents from India
Bring originals and, where required, certified or apostilled documents such as birth and marriage certificates, diplomas and relevant insurance records.
Arrange after arrival
- Start with health insurance
For most employees, GKV is a practical starting point. Get covered first, then take time to understand whether PKV could make sense later. - Add personal liability
Privathaftpflicht is inexpensive and protects you against many everyday liability risks. It is one of the first optional policies worth arranging. - Keep Indian policies under reviewThink before you cancel
Do not cancel long-term Indian insurance automatically. Check what you already have and whether it still makes sense before giving it up.
Common mistakes before moving
- Buying more temporary health cover than you need
The right period depends on your visa, arrival date and when your regular German health insurance begins. Check those dates before buying long-term expat cover. - Not checking when your German health insurance starts
Your arrival date, employment start and insurance start are not always the same. Check the dates before you travel so you know whether you need temporary cover in between. - Leaving important documents in India
Birth and marriage certificates, diplomas and insurance records can be much harder to organise once you are already in Germany. Check in advance which documents need originals, certified copies or an apostille.
Situations worth a closer look
Relevant if you need health insurance for your visa
Visa requirements can differ depending on why you are coming to Germany. Before buying a policy, check what proof of health insurance is required for your visa and how long the cover needs to last.
Relevant if your family is moving with you
Your spouse and children may have different health insurance requirements depending on their visa, employment and family situation. Check the setup for each family member before you travel.
Relevant if your parents plan to visit
Parents visiting from India may need suitable travel health insurance for their Schengen visa. Age, trip duration and health conditions can affect which options are available.
Things worth knowing before you leave India
Get your motor no-claim history in writing
If you have driven in India without claims, ask your motor insurer for an English confirmation of your claims history before you leave. Some German car insurers may take foreign claims experience into account, depending on their rules.
Keep digital copies of important documents
Scan your certificates, insurance documents and other important records before you move. Keep copies somewhere you can access from Germany, even if the originals are packed away or still in India.
Where we step in at this stage
- Check what health insurance you need for your visa
We help you understand the insurance requirement and find suitable cover for the period you actually need. - Help you prepare before you leave India
We explain which insurance documents may be useful in Germany and what is worth organising before you move. - Give you a clear plan for your first weeks
We help you understand what needs attention before arrival, what to arrange once you are here and what can wait.
Your first months in Germany
You've arrived. Now the German paperwork begins.
Your address needs to be registered, your health insurance needs to be in place and letters from employers, authorities and insurers start arriving.
This stage is about getting the basics right first. Start with the things you actually need, then take time to understand the rest of the German system before adding more.
What we see most often
People sign contracts quickly because everything is new and in German, then discover later that the cover, term or cancellation rules do not fit their situation.
Do now
TAKE TIME TO UNDERSTAND
- GKV or PKV
If you are eligible for private health insurance, you do not need to make the decision just because PKV becomes available to you. Understand the differences in family coverage, benefits, contributions and long-term flexibility first. - Legal protection
Rechtsschutz can be useful, but the relevant areas, exclusions and waiting periods differ. Choose the cover once you understand which risks actually matter to you.
WORTH THINKING ABOUT EARLY
- Income protection (Berufsunfähigkeit)
BU does not have to be one of your first contracts after arriving in Germany, but it is worth understanding early. Your age, health and occupation affect whether you can get cover and on what terms. - Your longer-term financial setup
Pension and investment decisions can usually wait until your first months of paperwork are under control. Once your job, income and plans in Germany become clearer, you can look at them properly.
Beyond insurance · settling in
Insurance is only part of settling in. These everyday tasks trip up almost every newcomer, so here is what to line up in your first months.
Anmeldung
Register your address after moving into your home. Your first registration in Germany also triggers the allocation of your German tax ID if you do not already have one.
Tax ID (Steuer-ID)
Your Steuer-ID is issued automatically after your first registration in Germany. Your employer needs it for payroll, so keep the letter when it arrives.
German bank account
A German or SEPA-compatible account makes salary, rent and everyday payments easier. Requirements differ between banks, so check what documents your chosen bank asks for.
SCHUFA and credit history
As a newcomer, you have little German credit history. Paying bills and contracts reliably helps build the financial track record that landlords, banks and other providers may look at later.
Broadcasting fee (Rundfunkbeitrag)
The Rundfunkbeitrag is currently €18.36 per month per home, not per person. If someone in your household already pays it, the household does not pay a second full contribution.
Internet and mobile
Internet installation can take time, so check availability when you know your address. Before signing internet or mobile contracts, look at the minimum term, renewal and cancellation rules.
Electricity and gas
When you move in, check which energy contracts apply to your home and whether choosing another provider makes sense. Compare the full annual cost and contract terms, not just an introductory price.
Rental deposit
A landlord can require a substantial deposit. You can pay it in cash or, if accepted by the landlord, consider a rental deposit guarantee to keep more of your money available.
Driving licence
If you establish normal residence in Germany with a valid Indian driving licence, it is generally recognised for another six months. If you want to continue driving after that, you need a German licence and should check the conversion requirements early. Depending on the licence and documentation, a translation or international driving permit may also be relevant.
Appointments (Termine)
Appointments with local authorities can be difficult to get in some cities. Check availability early rather than waiting until you need a document urgently.
Common mistakes in your first months
- Choosing health insurance based on one factor
Price matters, but so do service, additional benefits and how easy it is to get help when you need it. Understand what you are choosing rather than looking at one number alone. - Leaving personal liability for later
Privathaftpflicht is not mandatory, but a claim for accidentally injuring someone or damaging their property can become expensive. It is one of the basics worth arranging early. - Signing contracts you do not fully understand
Before signing a German insurance, internet, mobile or other long-term contract, check the minimum term, renewal, cancellation rules and what is actually included.
Situations worth a closer look
Relevant if PKV becomes an option for you
If your employment and income allow you to choose private health insurance, do not compare only today's monthly contribution. Family plans, health, benefits and your long-term plans in Germany or abroad all matter.
Relevant if you're a student
Students often have access to special health insurance arrangements, but the rules can change with age, study status and previous insurance. Check what applies to you before changing your cover or assuming the student rate will continue.
Relevant if you're self-employed or freelance
Self-employed professionals have different health insurance rules from employees and generally carry the full contribution themselves. Depending on your situation, GKV or PKV may be possible, so compare both with your income, family and long-term plans in mind.
Good to know in your first months
Your health insurance choice is not only about price
Statutory health insurers provide the core benefits defined by law, but they can differ in additional contributions, extra benefits, digital services and support. It is worth comparing more than just the monthly cost.
Compare German health insurers →Keep every important German letter
Health insurers, authorities and other institutions still send important information by post. Do not throw away a letter because you do not understand it. Keep it, scan it and get it explained if necessary.
Where we step in at this stage
- Help you understand your health insurance
We explain GKV and PKV in English or Hindi and look at your employment, income, family situation and plans before discussing whether anything should change. - Review the insurance you already have
Send us your existing policies and insurance documents. We explain what they cover, where there may be gaps or overlap and whether there is actually a reason to change anything. - Handle the German insurance side
If you receive a letter from your insurer or do not understand what they are asking for, we help explain it and support you with the insurance communication.
You know the basics and life in Germany is starting to feel more settled.
This is often when the questions change. Instead of asking what you need to get started, you begin thinking about what would happen if your income stopped, whether your health insurance still fits and how family plans affect your financial protection.
You do not need to solve everything at once. This stage is about reviewing what you already have and making the decisions that become more important as your life in Germany develops.
What we see most often
People review income protection only after their health has changed or family responsibilities have grown. By then, getting the cover they want can be more difficult or come with exclusions or higher premiums.
What matters now
Once the foundation is in place
- Retirement and investing
Once your essential protection and emergency savings are in place, you can start looking at how much you want to save or invest for longer-term goals. - Buying property
If buying a home in Germany becomes realistic, look at financing, available equity and how a mortgage would affect the protection your household needs. - Germany and India together
If you have investments, property or other financial interests in both countries, it becomes increasingly useful to look at them as one financial picture. Tax questions should be checked with a qualified tax adviser where necessary.
Life admin at this stage
Settling in brings paperwork beyond insurance. Here is what tends to come up once daily life feels stable.
Company pension (bAV)
Check whether your employer offers a betriebliche Altersvorsorge and whether they contribute to it. Before joining, understand the costs, employer contribution and what happens if you change jobs or leave Germany.
Kindergeld and Elterngeld
If you start a family, check which benefits you may be eligible for and when applications need to be submitted. Elterngeld in particular requires some planning around income and parental leave.
Build an emergency fund
Before committing too much money to long-term products or investments, keep enough accessible savings for unexpected expenses, a move or a temporary drop in income.
Review your insurance when life changes
A new job, higher salary, marriage, children or buying a home can change what protection you need. Use these events as a reason to review your existing setup rather than changing contracts simply because another year has passed.
Common mistakes once life feels settled
- Waiting too long to look at income protection
BU is easiest to assess while you know your health history and before new medical conditions appear. Health, occupation and age can affect whether cover is available and on what terms. - Keeping all savings without a purpose
Cash for emergencies and near-term plans has an important role. Money intended for goals many years away can be looked at separately once your financial foundation is stable. - Not checking what retirement income you are building
Your German statutory pension is one part of your future retirement. Understand what you are likely to receive before deciding whether you need additional workplace or private retirement savings.
Situations worth a closer look
Relevant if you're planning a family
Health insurance, income protection and term life insurance can become more important when someone else depends on your income. It is worth reviewing these questions before the baby arrives, when you have more time to compare your options.
Relevant if your partner or children join you in Germany
Your family can change the GKV vs PKV calculation significantly. Under certain conditions, a spouse and children can be covered through GKV family insurance without their own contribution, while in PKV each family member generally needs their own contract and premium.
Relevant if you're already in PKV and thinking about GKV
Returning from private to statutory health insurance is not simply a matter of choosing a different provider. Whether you can return depends on factors such as your employment status, income and age. Check the rules before making changes to your job or income specifically to switch systems.
Good to know once you're settled
Your Indian driving history may be useful
If you drove claim-free in India, ask your previous motor insurer for written proof of your claims history. Some German insurers may take foreign driving or claims experience into account, but the rules differ between insurers.
Health insurance for a newborn should be arranged quickly
When a child is born, check the health insurance setup early. In GKV, family insurance may be possible if the requirements are met. In PKV, special rules can allow a newborn to join a parent's cover under simplified conditions, but deadlines and eligibility requirements apply.
Think about PKV beyond today's premium
PKV is a long-term decision. Premiums can change over time, and ageing reserves are one part of how the system prepares for healthcare costs later in life. When comparing GKV and PKV, look beyond the contribution you would pay today.
Where we step in at this stage
- Check what income protection is actually possible
If BU becomes relevant, we look at your occupation, health history and the cover you need before an application is submitted. Where appropriate, we can check how insurers would assess your situation before you commit to a formal application. - Review what you already have
We go through your existing insurance and explain what still fits, where there may be gaps or unnecessary overlap and whether anything actually needs to change. - Look at the bigger picture
As your career, income and family develop, we help you understand how health insurance, income protection, family protection and longer-term planning fit together, including plans that may involve both Germany and India.
Sometimes the right answer is a new solution. Sometimes it is keeping exactly what you already have.
Germany is no longer just the place you recently moved to. Your career may be established, your family may have grown and you may be thinking more seriously about where you want to live, invest and eventually retire.
At this stage, individual financial decisions start to connect. Your pension affects retirement planning. Buying property changes how much flexibility you have. Family responsibilities influence how you protect and structure what you are building.
For Indian professionals, there is often another question in the background: should your long-term plans be built around Germany, India or both?
You do not need to know the final answer today. But it helps to make decisions that leave room for the future you may choose.
What we see most often
German and Indian finances are often managed separately even though they belong to the same household and the same future. Looking at both sides together can make long-term decisions much clearer.
What matters now
Step 1 · RETIREMENT
Understand your retirement options
Before adding another pension or investment product, start with what you already have through the German system and your employer. Then compare whether additional private retirement planning adds real value.
Statutory pension
Your German statutory pension is built through your contribution history. Check your Renteninformation and Versicherungsverlauf to understand what you have already built.
Employer pension (bAV)
Check whether your employer offers a betriebliche Altersvorsorge and whether the employer contributes. Employer contributions, costs, portability and later benefit treatment all matter.
VWL
Vermögenswirksame Leistungen are an employer benefit that may contribute towards an eligible savings arrangement. They are not a separate pension pillar, but they can help you build assets over time.
Rürup / Basisrente
A Basisrente can offer tax-supported retirement saving, but the money is designed for retirement and is not freely accessible like ordinary investments. That trade-off matters if your future may take you outside Germany.
Altersvorsorgedepot from 2027
From 2027, the Altersvorsorgedepot adds a new capital-market-oriented option for tax-supported private retirement saving. It follows specific retirement rules and should not be treated like a normal brokerage account.
There is no single best retirement solution. Look at employer contributions, costs, tax treatment, access to your money, investment flexibility and what happens if you later live outside Germany.
The starting point is always the same: understand what you already have before adding another product.
Step 4 · FAMILY & ESTATE
Plan for the people who depend on you
As your family and assets grow, it becomes more important to know who could manage your affairs and what would happen financially if you died or became unable to make decisions yourself.
Wills, powers of attorney and cross-border estate questions should be discussed with appropriately qualified legal and tax professionals where required.
Which option does what?
VWL
Employer-supported saving. Useful for building assets, but not a separate pension pillar.
Rürup / Basisrente
Tax-supported private retirement provision with limited access to the capital before retirement.
Altersvorsorgedepot from 2027
New tax-supported private retirement option with capital-market investments and specific retirement rules.
These options do different jobs. Having access to one does not automatically mean it is the right choice for you.
Worth having on your radar
- Your children's future
If you have children, think about future costs early, especially education, studying abroad or financial support when they become independent. You do not necessarily need a dedicated product for this. Start with the goal and the time available. - Your existing pension rights
As your career develops, keep track of what you have already built through the statutory pension, employer pensions and any private arrangements. Old contracts and pension entitlements are easy to lose sight of after several job changes. - Employer benefits you may not be using
Check whether your employer offers a bAV, VWL or other financial benefits. Before starting something new privately, understand what support is already available through your job. - Protection as your assets grow
A larger income, property or growing savings can change the financial impact of illness, disability or death. Review whether your existing protection still reflects the responsibilities you have today. - Cross-border documents
If your family, property or assets span Germany and India, wills, powers of attorney and other legal arrangements may need a cross-border view. These questions should be handled with appropriately qualified legal and tax professionals.
Milestones at this stage
The big paperwork now is less about settling in and more about committing for the long run.
Permanent residence or citizenship
Reaching permanent residence or citizenship can make Germany feel like a more permanent home. It is often a natural point to revisit where you want to build your career, raise your family and eventually retire.
Getting ready to buy property
If buying a home becomes realistic, start preparing before you begin viewing properties. Your available equity, income, existing commitments and credit history all influence what financing may be possible.
Check your German pension record
After several years of working in Germany, review the pension information you receive from Deutsche Rentenversicherung. Check that your contribution periods are recorded correctly and start building a clearer picture of the pension rights you already have.
Check which retirement incentives apply to you
As your income and career develop, it is worth checking which forms of tax-supported or state-supported retirement saving may be relevant to you. This can include employer pension benefits, a Basisrente and, from 2027, the new Altersvorsorgedepot.
Changing employer
A new employer can mean different bAV, VWL and other employee benefits. Before starting a new arrangement, check what happens to benefits and contracts from your previous job.
Your children's education path
As children grow, decisions about school, university and whether they may study in Germany, India or elsewhere can affect how much flexibility and financial support you want to build for them.
Common mistakes in long-term planning
- Looking at Germany and India separately
If you have pensions, investments, property or other financial interests in both countries, decisions on one side can affect your overall plan. Keep an overview of both, and involve qualified tax or legal professionals where cross-border rules matter. - Ignoring employer benefits
Some employees start private saving without first checking whether their employer contributes towards a bAV or VWL arrangement. Understand the benefits available through work before deciding what to fund entirely yourself. - Leaving important family arrangements unclear
As your family and assets grow, it becomes more important to know who should handle financial or personal matters if you cannot do so yourself. Cross-border families may need additional legal planning, which should be discussed with appropriately qualified professionals.
Situations worth a closer look
Relevant if you're considering buying property in Germany
Buying a home affects more than your monthly housing cost. Your equity, mortgage, emergency savings and income protection all need to work together. It is also worth considering what you would do with the property if you later moved abroad.
Relevant if you have assets in Germany and India
Pensions, investments, bank accounts and property in two countries can make your financial picture more complex. Keep a clear overview of what you hold and where, and involve qualified tax or legal professionals when cross-border rules need to be assessed.
Relevant if you're not sure where you will retire
You do not need to decide today whether retirement will be in Germany, India or somewhere else. But that uncertainty matters when choosing long-term solutions. Flexibility, access to your money and what happens if you move abroad should be part of the decision.
Good to know for long-term planning
Flexibility matters when your future may be international
Before committing to a long-term pension or investment solution, understand what happens if you later leave Germany. Check whether you can continue the contract, stop contributions, access the money later and receive benefits while living abroad.
Tax advantages and flexibility are not the same thing
A solution can offer attractive tax treatment while giving you less access to your money. For international professionals, both sides of that trade-off matter.
Your Renteninformation is worth reading
Deutsche Rentenversicherung regularly provides information about the statutory pension rights you have built up. Keep these documents and use them as one starting point when estimating your future retirement income.
Old contracts should not be judged only by today's alternatives
A pension or insurance contract you started years ago may contain conditions or guarantees that are no longer available. Review what you have before cancelling or replacing a long-term contract.
Where we step in at this stage
- Build a clear retirement picture
We look at the pension and retirement provision you already have, including statutory pension, employer benefits and existing private contracts, before discussing whether anything additional makes sense. - Compare the options available to you
We look at employer benefits such as bAV and VWL alongside private retirement and investment options. Where relevant, this can include Basisrente and, from 2027, the new Altersvorsorgedepot.
The aim is to compare what each option actually does, how flexible it is and how it fits with your plans in Germany and India. - Keep Germany and India in view
If your future may involve both countries, we take that into account when discussing long-term financial decisions. Where specific tax or legal questions arise, these should be handled with appropriately qualified tax advisers, lawyers or notaries.
The goal is not to predict exactly where you will live in 20 years. It is to make decisions today that leave you options later.
Leaving Germany is not simply about cancelling every German contract.
Some insurance ends when you move abroad. Some contracts may continue. Pension rights and investments can remain relevant for many years after you leave.
The important part is understanding what you have before making irreversible decisions.
If you are returning to India, there is another layer to consider: what should stay in Germany, what needs to move with you and which German arrangements may still be useful later?
What we see most often
People sometimes assume that leaving Germany means cancelling everything. In reality, pensions, investments and some insurance contracts may still have value after you move abroad.
BEFORE YOU LEAVE
- Check every contract individually
Make a list of your insurance, utilities, memberships and other ongoing contracts. Check the cancellation rules, notice periods and whether moving abroad changes the contract. - Complete your Abmeldung
Your deregistration certificate can be important when informing insurers, banks and other providers that you have left Germany. Keep a digital copy with your departure documents. - Update your contact details
Make sure insurers, banks, pension providers and other important institutions can still reach you after you leave Germany. Use an email address and overseas address that will remain valid.
THINK BEFORE YOU CANCEL
- German pension rights
Leaving Germany does not automatically mean you should request a refund of statutory pension contributions. Depending on your contribution history and personal situation, keeping your German pension rights may be more valuable. - Long-term insurance and retirement contracts
Some contracts may still work when you live abroad, while others may need to be changed or ended. Check the conditions before cancelling anything that may be difficult to replace later. - Investments and property
If you keep investments, bank accounts or property in Germany, they do not simply disappear when you deregister. Tax and legal consequences can depend on your individual situation and should be checked with appropriately qualified professionals.
AFTER THE MOVE
- Keep access to important German documents
Keep your Abmeldung, pension records, tax documents, insurance correspondence and important contracts. You may need them years after leaving Germany. - Check outstanding payments and refunds
There may still be final utility bills, insurance settlements, rental deposit payments or tax correspondence after your departure. Make sure you can receive communications and payments after leaving.
A clean countdown to departure
90 days before
List every contract and its notice period, since many need one to three months to cancel cleanly.
60 days before
Send the cancellations that need the most notice and confirm your Abmeldung date with the Bürgeramt.
30 days before
Keep one German bank account open for refunds and set up mail forwarding so nothing important is missed.
After you leave
Apply for any pension refund once the waiting period passes and update addresses on the policies you keep.
Common mistakes when leaving Germany
- Cancelling everything at once
Leaving Germany does not mean every contract should end on the same date. Check each contract individually and start early enough to understand the cancellation requirements. - Requesting a pension refund without understanding the consequences
A refund of statutory pension contributions may be possible in certain situations, but it can also mean giving up pension rights you have built in Germany. Check eligibility and the long-term consequences before applying. - Losing contact with German providers
Keep your address, email and payment details up to date for contracts or accounts that continue after you leave. This is especially important for pensions, investments and long-term insurance.
Situations worth a closer look
Relevant if you're considering a German pension contribution refund
Some people returning to India may be eligible to request a refund of German statutory pension contributions. Eligibility depends on factors including your German contribution history, where you live after leaving and whether you are entitled to continue paying voluntary contributions.
For some Indian nationals with fewer than 60 months of German contributions, a refund may become possible after the applicable waiting period. But applying for a refund can also mean giving up the German pension rights connected to those contributions.
Before applying, compare the value of a possible refund with keeping your German pension rights.
Relevant if you have pension periods in Germany and India
Germany and India have a social security agreement. Under certain conditions, insurance periods from both countries can be taken into account when determining whether you qualify for pension benefits.
That means leaving Germany does not automatically make your German contribution history worthless.
Relevant if you keep property or investments in Germany
Moving abroad does not mean you need to sell German property or investments. But your country of residence can affect taxation, reporting and how accounts or contracts are handled.
Review the practical consequences before you leave and involve an appropriately qualified tax adviser where necessary.
Good to know before you leave
Some insurance may be worth keeping
Life insurance, income protection and private retirement contracts do not necessarily become useless when you leave Germany. Whether they can continue depends on the contract and your new country of residence, so check before cancelling.
Your German pension record stays relevant
Leaving Germany does not simply erase the pension rights you have built. Germany and India have a social security agreement, and under certain conditions periods in both countries can be considered when checking pension eligibility.
Keep your German records
Documents such as your Versicherungsverlauf, Renteninformation, Abmeldung and important contract records may still be useful years later. Keep digital copies somewhere you can access from abroad.
Where we step in at this stage
- Review what should stay and what should go
We go through your existing insurance and long-term contracts with you and help identify what should be cancelled, what may continue abroad and what deserves a closer look before you make a decision. - Help with the German paperwork
We help you understand insurer letters, cancellation requirements and the documents you may need when leaving Germany, so you know what needs to be done and in which order. - Understand your German pension options
If you are returning to India, we help you understand the difference between keeping your German pension rights and checking whether a contribution refund may be possible in your situation. Where necessary, the Deutsche Rentenversicherung makes the final determination on eligibility.
Before you cancel anything, understand what you would be giving up.
Worth keeping safe
Documents worth keeping
Some documents become important again years later, often when changing jobs, reviewing insurance, applying for benefits or leaving Germany.
Identity & residency
- Passport and visa copies
- Anmeldung and Abmeldung confirmations
- Residence permits (Aufenthaltstitel)
- Important immigration correspondence
Employment & tax
- Employment contracts and important amendments
- Payslips (Lohnabrechnungen)
- Annual wage tax certificates (Lohnsteuerbescheinigungen)
- Tax assessments (Steuerbescheide)
Insurance & pension
- Insurance policies and important contract changes
- Cancellation confirmations
- Pension statements (Renteninformation)
- Pension record (Versicherungsverlauf)
- Claims history or no-claim confirmations
- Copies of health information and questionnaires submitted with insurance applications
Qualifications & family
- Diplomas and relevant certificates
- Apostilled documents
- Marriage certificates
- Birth certificates
Keep digital copies too
Keep important documents somewhere you can still access if you move, change employers or eventually leave Germany. For documents submitted to insurers, keep a copy of what you actually sent, not only the final policy.
FAQ
Questions about working with NEOdirect
Our Orientation service is free. For Planning and Long-term Guidance, a monthly service fee may apply depending on the support you choose.
When we arrange an insurance policy, we are generally compensated by the insurer. We explain any costs before you decide to use a service.
That is completely normal. We can start by reviewing what you already have, explaining the cover and checking whether it still fits your life today.
The starting point is not replacing your existing contracts.
No. A review helps you understand what you have, where there may be gaps or unnecessary overlap and whether anything needs attention.
Sometimes a change makes sense. Sometimes the right decision is to keep exactly what you already have.
You can arrange many insurance products yourself. We help you understand the German system, compare suitable options and deal with German-language paperwork and insurer communication.
We also look at your existing setup and your plans in Germany and India rather than starting with a particular product.
Yes. We advise in English and Hindi and help with German-language communication with insurers, so you can make decisions in a language you are comfortable with.
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NEOdirect is licensed as an insurance broker under §34d GewO, giving you professional support when comparing and arranging insurance in Germany.
Support in English & Hindi
Understand your options and ask questions in the language you are most comfortable with. We handle the German insurance terminology and communication.
Ongoing claims & contract support
Our support does not end when a policy starts. We can help with insurance-related questions, contract changes, claims and future reviews.
Access to insurers across the German market
We compare suitable options from the insurers we work with rather than starting with one provider or one product.
Book a free 30-minute call with a specialist
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