Registred Broker
We compare 200+ insurers — no ties to any single company
Built for Expats
English-speaking team specialized in Indian professionals in Germany
1,500+ Clients
Indian expats across Germany trust us with their insurance
5.0 on Google
76 five-star reviews from real clients
Two systems, one choice
Germany has public (GKV) and private (PKV) health insurance. Choosing the wrong one can cost you thousands over your lifetime.
No one explains it in English
Most advisors speak only German. Most online information is outdated or biased toward one system.
Wrong decisions are hard to reverse
Switching back from PKV to GKV is only possible under strict conditions. You need to get it right the first time.
That's why we created a free, no-pressure consultation — so you can decide with confidence.
45-minute consultation · English · No strings attached
Employed with gross income over €69,300/year
Self-employed or freelancer in Germany
Under 55 years old
In generally good health
If at least one applies to you — PKV could offer better coverage at a similar or lower cost. Let's find out.
A quick overview. We'll go deeper in your consultation.
Every situation is different. We'll tell you honestly whether PKV makes sense for you — or not.
Choosing the cheapest tariff
Low premiums often mean poor coverage. When you actually need care, you pay the difference yourself.
Ignoring long-term costs
PKV premiums increase with age. Without proper aging reserves (Altersrückstellungen), costs can become unmanageable after 50.
Getting advice from the wrong person
Many advisors sell only products from one company. An health insurance broker compares ALL options — and has no incentive to push a specific insurer.
Staying on an expat health plan too long
Expat tariffs are designed as temporary solutions for your first months. They offer limited coverage, no aging reserves, and may not meet visa requirements long-term. A full PKV tariff (Volltarif) gives you comprehensive protection — including mandatory nursing care insurance (Pflegeversicherung).
Nina is an independent PKV specialist. She shows you the full picture — including when PKV is NOT the right choice.
No cost · No obligation · Full transparency
Understand your situation
In a free 45-minute call, we ask about your income, family, health, and goals. No forms, no pressure.
Analyze all options
We compare full tariffs (Volltarife) from 25+ insurers — checking your health profile to identify the best coverage for your specific needs.
Get a clear recommendation
You receive a personalized comparison — not a generic sales pitch. Every option explained in plain English.
Ongoing support
We handle all German paperwork, submit your application, and stay by your side for claims, questions, and annual reviews.
Nina Feddersen specializes in private health insurance for expats in Germany. She understands the PKV system inside out — from underwriting and health questionnaires to tariff optimization and long-term cost planning.
She speaks English, takes her time, and will tell you honestly if PKV is not right for you.
Part of the NEOdirect team · 10 experts · IHK licensed
"Throughout the entire process, my questions were answered with utmost patience and transparency. Instead of getting generic advice, I got something well-suited to my long term financial goals."
Sowmya S.
Google Review
"Firat and his teammates are very helpful. They helped me find the best deal for insurances, the team fully understands the problems and gives suggestions accordingly."
Krupal S.
Google Review
5.0 on Google · 76 reviews · Read all reviews →
Still have questions? Reach out directly.
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