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When arriving in a foreign country it is important to have the peace of mind that you are well covered for all eventualities. This can, however, be complicated to arrange as there are often very different systems in place than those you are used to in your home country.
A Language You Understand
At Blacktower Expat Solutions GmbH, we believe it is essential to seek independent and professional advice in a language that you understand. An accident, illness or other unforeseen circumstances can soon put an end to the most carefully planned financial future, so while putting something aside for a comfortable retirement is important, it is also crucial to protect what you have already accumulated.
We will help you navigate through the confusing maze of insurance products available in Germany, with the aim of putting together not only the right package designed for your specific needs but also the best cover for the lowest premium. Even if you already have cover in place, we may be able to find you a better or more cost-effective deal.
The Right Solutions for the Best Prices
In our experience, expats tend to take the “path of least resistance” when it comes to arranging insurance cover when abroad. However, accepting the first product offered by the bank does not guarantee getting the best deal. We have found that many expats in Germany are either significantly over or underinsured, are paying too much for cover and seldom have solutions in place that accurately fit their personal situation. Much of this is simply due to lack of understanding, making it wise to seek expat-focused advice when living and working abroad and looking to arrange cover to protect yourself and your loved ones.
Protecting Your Personal Situation
Germany is a very insurance-minded country and it is possible to cover yourself against almost any type of risk. Below we have listed the most common insurances available, some of which are mandatory and some of which are just sensible to have, depending on your situation:
- Health insurance
- Supplementary health insurance
- Life insurance
- Occupational disability
- Accident
- Nursing care
- Personal liability
- Homeowners buildings insurance
- Contents insurance
- Legal aid
- Vehicle
As the German insurance system is potentially confusing, we take as much time as needed to clearly explain everything to our clients, so they actually understand for themselves what they are doing.
The first question that most people have when arriving is; which insurance types are actually relevant to them and which ones are really necessary?
- Health insurance – As a rule, this is the first insurance you will need to arrange. It is compulsory to have cover, but you can choose between state health care and private health care. Both have their pros and cons and your choice will depend on your personal situation.
- Personal liability insurance – This is the next insurance you will almost certainly need to arrange. Most landlords will not let an apartment to you without insurance that covers damage to rental property.
There are various factors to take into account when choosing the right type of insurances and the list of questions is endless; this is where our guidance becomes invaluable.
Service Is Our Strength
We seek long-term relationships with all of our clients, not only helping when they first arrive, but providing ongoing service for the duration of their overseas assignment and beyond.
Finding the right insurance products for your needs is only part of the solution; you will need to ensure that you have support and service to ensure your cover is up to date and compliant with the latest regulations. And, if you ever have to make a claim, it’s always good to know that somebody is there to help you process it.
Blacktower Expat Solutions GmbH has been formed to provide professional expertise and support throughout your stay. We want your time spent in Germany to be as stress-free, prosperous and secure as possible, without missing out on any of the local benefits available for you.
Contact us today, we are here to help.
