Private Health insurance

Let’s figure out what works for you!

Private Krankenversicherung (PKV) or private health insurance in Germany is chosen by about 10-11% of the German population.  Those who value their health are always advisable to choose private health care. 

Key learnings

Key facts to know about the private health insurance in Germany

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Get objective advice now on private health insurance in Germany

Our certified experts will give you a good overview of the German healthcare system, compare all private options for you and find you the best value for money based on your individual needs.
More than 400 expats already trust in our expertise.
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What our clients say about our financial advisory

„since I moved to berlin, running finances and investment in Germany felt so complicated. this was my first financial consultation and as a matter of fact I’d describe it as enlightning.

Fabian was very patient to answer my basic questions and took a lot of time to guide me through the different short-term/long-term opportunities and types of insurances and explained the related German jargons that seemed scary before into plain english .

He was very timely in his followups. and overall I had a very smooth experience and felt no pressure towards specific options or plans, and I rather ended up with a tailored and easy to change plan. I would highly recommend especially for internationals. „
Mohammed Monem
Senior Software Engineer
„Great pleasure to work with Fabian Beining. A big plus for me was that he speaks English fluently.

He explained to me the complicated German insurance system in great detail and with a lot of competence.

He tailored the necessary insurances to my needs. Thank you very much for the collaboration!
Rositsa Stoykova
PhD Student Chemistry
Fabian, Dennis and the team are excellent to work with! They’re the first financial advisors to actually listen to my needs and formulate great plans for short-mid-long term growth!

Their English is excellent too for any expat looking for sound financial advice in English. I highly recommend them and I wish them all the very best for future growth.
Luceinne Lopez
Digital Marketing Manager
It has been very easy to work with Fabian so far. He is good communicating all the relevant information and is always available for questions.

The financial plan we came up together was really tailored to my goals and it has been working out really well.
Bidesh Thapaliya
Senior Software Developer

Why you should join our group of clients

Our goal is to become the number 1 contact for expats in Germany when it comes to finance. We achieve this by acting exclusively in the interest of our clients and providing unique transparency in our advice.

Financial Advisor

Frequently asked questions

Here you will find answers to frequently asked questions:

The entire consulting process is completely free of charge for you.

Here we distinguish between one-time payments and monthly savings plans.

A one-time payment makes sense for us from 30.000 euros. For the monthly savings plans, there should be a monthly surplus of at least 1000 euros per month.

Yes! As a financial broker we only work on behalf of our clients.

We are not bound to any products, banks or insurance companies and can therefore offer you an objective overview of all existing products.

Our consulting services are mainly addressed to employees, self-employed persons and entrepreneurs.

However, we also offer special financial coaching to master’s or PhD students in order to optimally prepare their entry into professional life.

We completely waive costs that are customary in the industry, such as issue surcharges, kick bags, or provider-oriented commissions.

Should we decide to work together after several consultations, we will receive 0.6% p.a. of the invested capital or a comission from the insurance company.

Get indepedent and professional advice on your finances.

German health care system

Stay informed about the german health care system.

Most important information about the german healthcare system.
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Other topics that might be interesting for you as an expat

Investment Plan

Over 10,000 investment funds. tax optimized.

We help you develop an investment portfolio that fits your personal wishes & goals.

Pension Plan

Mathematically precisely calculated. Highly profitable and tax opitmized.

Depending on how long you plan to stay in Germany, it may make sense to look at the different retirement plan options to find the most profitable solution for you.


Objective comparisons. Transparent advice.

In order to protect your current and future assets in the best possible way, we show you which insurances are really important in Germany and which are rather nice to have.

Get indepedent and professional advice on your finances.