01 / UNDERSTAND
Look at the whole picture
Nina starts with your work, residence status, health, family situation and plans to stay in Germany. Family planning and the needs of a partner are part of the conversation from the beginning.
YOUR HEALTH INSURANCE SPECIALIST
Nina Feddersen
Private health insurance advice for expats in Germany.
Nina helps international professionals understand their options, compare suitable cover and complete their application with care. She advises in English and German, with your family, health and plans for Germany in mind.
Part of the NEOdirect team · Advice in English & German
Licensed insurance broker under § 34d (1) GewO
German intermediary register number: D-K5IS-NV8K-23
Check Nina's entry in the German intermediary register
A personal contact for a long-term decision.
View Nina's LinkedIn profileMEET NINA
Experience that makes the details easier to understand.
Nina Feddersen is a private health insurance specialist for expats at NEOdirect. She began her insurance career in 2012 with vocational training at Debeka, where health insurance was a central part of her professional development. Her work there also gave her detailed knowledge of health insurance for German civil servants, including the interaction between Beihilfe and private cover.
At CHECK24, she gained experience advising a wide range of customers entirely by phone and online. At ottonova, she advised many expat customers in English. This gave her practical experience with their questions, the tariffs available to them and the challenges of explaining German health insurance to people from different backgrounds. Today, she brings that experience to her work at NEOdirect.
Her focus is on explaining the differences that matter to you, including the advantages and limitations of the plans under consideration, so you can make an informed decision.
HER APPROACH
Your situation comes before the tariff.
02 / COMPARE
Make the differences clear
She typically discusses four or five suitable tariffs, selected around your priorities and her requirements for sound cover. She explains the trade-offs and recommends an option. The final decision remains yours.
03 / APPLY
Work through the questions together
Nina explains the insurer's health questions individually, including their scope and time periods. She helps you understand what is being asked so that your answers are accurate and complete.
PROFESSIONAL BACKGROUND
A foundation in health insurance.
Career details supplied by Nina in her profile questionnaire.
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2012–2015 · QUALIFICATION
Debeka & Handelslehranstalt Flensburg
Completed dual vocational training as a Kauffrau für Versicherungen und Finanzen, combining practical experience at Debeka with vocational education in Flensburg. Her time at Debeka also developed her expertise in health cover for civil servants and Beihilfe.
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PROFESSIONAL EXPERIENCE
CHECK24
Online and telephone advice for customers with varied insurance needs and personal circumstances.
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PROFESSIONAL EXPERIENCE
ottonova
Advised many expat customers in English, developing a detailed understanding of relevant tariffs and how to explain their benefits and limitations in the context of an international customer’s life.
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CURRENT FOCUS
NEOdirect
Private health insurance advice for expats in Germany, from understanding needs and comparing tariffs to clarifying questions and completing the application.
FAQs about private health insurance in Germany
Your premium depends in part on your age when you take out the policy, your health, and the benefits agreed in the plan. A low monthly premium alone does not show whether a plan is right for you. The deductible, possible out-of-pocket costs, and cover for your family also matter. With a deductible, you pay an agreed share of eligible costs yourself. Consider premium refunds only in line with the relevant policy terms. We compare the total cost with you, not just the price shown in the quote.
Not automatically. What matters is the cover in the specific plan and your personal situation. For example, check the terms for dental treatment, psychotherapy, medical aids, and hospital treatment. Reimbursement rates, benefit limits, and other conditions may vary. Even a claim of “100% reimbursement” needs to be read in the context of the policy terms. A sound decision starts with your needs, not a blanket promise that private insurance is always better.
Returning is not always possible at will. It depends on statutory requirements and your circumstances, including your employment status and income. Your age can also make returning significantly more difficult. A switch to private health insurance should not be a short-term cost-saving decision. Discuss possible changes, such as parental leave, a career break, or self-employment, in advance. We consider your future life stages as well as your current situation.
Private health insurance does not offer premium-free family cover like statutory health insurance does. Each family member insured privately has their own premium. If one parent is covered by statutory health insurance and the other privately, the children's cover needs to be assessed separately. Free family cover under statutory insurance is not available in every situation. A comparison should therefore include the whole family, including possible changes in income and family plans.
With private health insurance, you generally receive an invoice and submit it to your insurer for reimbursement. You remain responsible for paying the provider. Whether reimbursement arrives before the payment due date depends on processing times and cannot be guaranteed. Reimbursement is based on your plan and may be reduced by a deductible or other out-of-pocket costs. Direct billing may be possible for hospital treatment. For larger planned treatments, it is a good idea to confirm cost coverage with your insurer in advance.
CLIENT EXPERIENCES
Clear advice. A personal connection.
Nina's clients highlight the time she takes, her clear explanations and her flexibility when they need another conversation.
5 OUT OF 5 STARS
“Nina took the time to explain the different policies in detail, really understood my needs”
EXPLORE THE TOPIC
Useful reading before your consultation.
Private health insurance advice NEOdirect's private health insurance guide
NEOdirect resources. No authorship or review by Nina is claimed.
YOUR CONSULTATION
Book a conversation with Nina.
Choose a time to discuss your health insurance options in English or German.
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SPEAK WITH NINA
Make the decision with someone who explains the details.
Tell Nina about your situation and what you would like to understand. Start a conversation in English or German.
Please use the first message to arrange contact. Discuss health details through the agreed application process.