Insurance4Expats - More than just advice
Building a Better Future for Expats
Unlock all State Benefits for Pension and Health Insurance with our Support:
Massive savings on health insurance
Discover the best health insurance exclusively for expats and save up to €3,432 annually.
Maximize your investments
Transform taxes into wealth with your first capital investment property.
Bridge your pension gap
Optimize your ETF savings plan and receive a 42% tax rebate.
Your key obstacles as an Expat
Costs, the right investments, and language barriers don’t make it easy to settle in as an expat.
But with the right support, you can overcome these challenges and thrive.
Expensive Costs & Bad coverage in GKV
If you earn over 73.800€, GKV costs are high but offer limited benefits, with basic coverage, long wait times, and few extras, making it less ideal for high earners.
ETF´s are not the best way to save your retreatment
ETFs can be risky for retirement savings due to market volatility and lack of guaranteed income. Their value fluctuates with the market, and selling during downturns can hurt savings...
Missing English Support
Finding good 24/7 English support is like looking for a needle in a haystack. But it’s crucial for understanding your needs and securing your future, isn’t it?
Savingplan with ETF Tax advantages
As an expat, you have the choice of how to invest your money. Most expats invest either in a savings account at their bank or in a normal ETF custody account. Based on 1400 expats, we have analyzed how much money you will have after 25 years, depending on your savings method:
Private Health Insurance
Like 70% of all other expats, you probably have statutory health insurance. But in the long term, you can expect not only a lack of healthcare, but also rising contributions:
What is the difference between us and others?
We are specialized in Expats
100% English Support
24/7 Service / Asking Flatrate
Pension Tax Advantages for Expats
Health Insurance Check for Expats
Others
Not specialized in Expats
No English Support
No Service / Asking Flatrate
No Pension Tax Advantages for Expats
No Health Insurance Check for Expats
Meet our team
With over 1400 Customers we are the biggest Expat Finance specialist in Germany.
Marvin Seewald
Your trusted partner for health and wealth. Now in Germany, later anywhere in the world.
Jannik Menten
Finance professional with over 10 years of experience. Specialized in private health insurance and retirement planning.
Tobias Lommer
M.A. Sports Management & Business Administration & specialist for private health insurance.
Enrico Kalinka
International expert in investment & private health Insurance. Now specialiced for expats in germany.
Lucas Maurer
Book author & M.Sc. in economics. Your guy for complex financial solutions.
Case Studies:
How Expats Improved Their Finances
Case Study 1: Mr. Safdari does engineering, Insurance4Expats does his numbers
„I came to Germany for a great job, but the tax system and Health Insurance left me completely lost. Without speaking German, I was drowning in confusion but I4E helped me and turned everything around.“
Mr. Safdari, Engineer
Before
Health Insurance
Insured under GKV, paying the maximum contribution €2.231. Waited months for doctor appointments.
Tax Burden
Losing 42% of their hard-earned income to taxes.
Retirement Planning
No plan for the future—relying only on a basic savings account.
After
Switched to PKV (Private Health Insurance), saving €201 per month while enjoying superior coverage for the entire family, including their child.
Turned taxes into wealth, saving €2.016 annually through smart financial strategies.
Closed the retirement gap with a solid plan, securing €816.000 in capital by age 67.
Case Study 2: Aleksandar does Software Insurance4Expats does his numbers
„When I came to I4E I didn’t knew how to invest, was looking for an income protection and wanted better coverage. Got everythig here in one Call.“
Before
Tax Burden & Investments
Unaware that Germany is a tax haven for real estate investors. Had only a standard ETF savings plan.
Income Protection
Relying on €900 per month from the German social system for support in case of illness or inability to work.
Additional Support
None
After
Saves €3.156 annually in taxes with real estate investments. Gains €250.000 wealth and saves 80% in retirement taxes.
Comprehensive disability insurance covering 80% of net income.
Full financial support in English for all financial matters
Aleksandar, Software-Developer
Take the First Step to Health and Savings
Your journey to better healthcare begins here. Get started with a free quote today, and let our experts guide you to affordable, high-quality health insurance. Your peace of mind and savings are just a click away. Get Your Free Quote Today.
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Start Your Journey
Initial Consultation Request
Kick off your adventure by requesting a free initial consultation through our website. A few simple questions will help us understand your needs and dreams.
Let's Talk Dreams
Preliminary Chat
One of our friendly team members will give you a call to chat about what you're looking to achieve and connect you with the perfect expert for your situation.
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01:56
Tobias Lommer
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Session
Virtual Advisory
Empower Your Finances. Dive into 45-60 minutes of complimentary financial enlightenment. We'll cover the topics that matter most to you, ensuring you're engaged and informed every step of the way.
Growing Together
Long-Term Partnership
We're thrilled at the prospect of convincing you with our approach and embarking on a long-term journey together. If you decide we're not the right fit, that's perfectly okay, too. Your journey, your choice.
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What are you waiting for?
Find out in a free consultation with one of our experts what you are really entitled to as an expat and how the state can help you make smart provisions. In summary, you get from us:
The best health care for you and your family
Comprehensible and specialized information
A solution that saves you tens of thousands of euros
Frequently asked questions
How do I start the consultation process?
After you have registered your details with us, one of our team members will contact you by phone within the next 28 hours. They will review your situation to determine how we can best assist you. If it’s clear that we can support your financial needs, we will schedule a free initial consultation with one of our experts via Zoom.
What happens during the initial consultation?
In your first meeting, one of our experts will analyze your personal financial situation with you. They will discuss the next steps that are tailored to your needs and future goals.
What should I expect from the follow-up consultations?
During subsequent consultations, you will receive comprehensive advice on topics relevant to your financial situation. Together, you and your advisor will decide how to implement your personalized financial plan.
How can I prepare for the interview?
Our consultations are live, digital, and take place via Zoom or Teams—designed to fit comfortably into your schedule. All you need is yourself, a laptop, and maybe a coffee to make it cozy!
What should I know beforehand?
The consultation is completely free, so you can simply listen to what our experts recommend for your situation. However, to make the most of your session, it’s helpful to think about the areas where you need support, such as:
Saving taxes: Are you maximizing your benefits in Germany’s complex tax system?
Investing: Looking to grow your wealth with tailored strategies?
Closing the pension gap: Do you have a clear retirement plan that works for expats?
Finding the right health insurance: Are you covered by the perfect plan for your needs?
If you have questions on other topics feel free to ask them too.
Which insurance policies are essential for me as an expat in Germany?
Health insurance, liability insurance and occupational disability insurance are particularly important for expats. We will advise you individually on which policies are necessary to provide you and your financial future with the best possible protection.
