Navigating German Insurance for Expats.
https://exparanto.com/wp-content/uploads/2025/03/Hero.mp4
Exparanto –
let’s make it make sense.
Find the best insurance solutions for expats in Germany right here at exparanto.com!
WhatsApp us now!
Schedule a meeting!
Our partners
Car & Property Insurance | Income Protection | Health Insurance
DEVK Versicherungen
DEVK is one of Germany’s most reputable insurers and is considered the gold standard for its outstanding performance in car and property insurance. They are also highly regarded for income protection, health insurance, and pension solutions. At Exparanto, DEVK is our core partner for comprehensive coverage and long-term reliability.
Health Insurance Germany | Public Health Fund | Expat-Friendly Service
Bahn-BKK
BAHN-BKK is one of Germany’s well-established public health insurance providers, known for its strong customer service and personal support. Expats benefit from straightforward registration and comprehensive statutory healthcare coverage – all with a focus on reliability and individual care.
Roadside Assistance | Breakdown Cover Germany | 24/7 Towing
ACV (Auto Club Verkehr)
ACV operates Germany’s second-largest roadside assistance network. With 24/7 breakdown cover, nationwide towing and direct support, it’s the perfect mobility solution for expats living and driving in Germany.
Health Insurance Brokerage | Tailored Solutions | Business Insurance
CURA Versicherungsvermittlung GmbH
CURA is an independent insurance brokerage offering customized coverage for individuals and businesses in Germany. With their strong expertise, they expand our health insurance portfolio beyond DEVK and AXA to include market leaders such as Allianz and Hanse Merkur. In addition, CURA provides a wide range of business insurance solutions across multiple industries – providing optimal coverage for every situation.
Health Insurance | Beihilfe Plans | Income & Disability Cover (Beamte)
AXA & DBV Versicherungen
AXA is one of Germany’s leading private health insurers, offering comprehensive plans for both private individuals and, through its DBV brand, tailored solutions for civil servants (Beamte) and public sector employees. Their expertise includes Beihilfe-compatible health insurance and specialized coverage for occupational and service-related disability (Dienstunfähigkeit), making them a top choice for expats and professionals in both the private and public sectors.
Pet Insurance Germany | Dog, Cat & Horse Cover
Uelzener Versicherungen
Uelzener is Germany’s leading pet insurer. Whether you need health insurance for dogs, cats, or horses – they provide reliable, affordable cover for vet visits, surgery, and preventive care for your pet in Germany.
Freelancer Pension | Retirement Plans Germany | Tax-Optimized
Volkswohl Bund
Volkswohl Bund offers modern retirement solutions for self-employed professionals and high-income earners. Their Basis-Rente is a smart, tax-efficient way to build pension savings in Germany – especially for freelancers and entrepreneurs.
Travel Insurance Germany | Global Medical Cover | Trip Cancellation
ERGO Reiseversicherung
ERGO is Germany’s top travel insurer. Their international coverage protects expats and travelers from unexpected cancellations, medical emergencies abroad, and more – whether you’re traveling in Europe or worldwide.
Explore the unique Benefits
of Exparanto’s Insurance Services
-
Direct support from one trusted expert – no hotlines, no being passed around -
Bundle and Save: We offer an all-in-one package for home, car & more -
Our Contract Review and Support ensures your coverage works when you need it most -
A wide range of free services included with your contracts -
We make sure your social security history is recognized in Germany -
We assist you in preparing your Living Will (Advance Healthcare Directive)
NEW: Our special
car bundle deal!
Schedule a meeting!
WhatsApp us now!
Schedule a meeting!
WhatsApp us now!
NEW: Our special car bundle deal!
WhatsApp us now!
Schedule a meeting!
WhatsApp us now!
Schedule a meeting!
Explore the most essential
insurances in Germany
Contract Review & Support*
-
Policy Check -
Coverage Upgrade -
Switch Support -
Ongoing Supervision -
Claims Support
*Charge-free
Income & Life
-
Income Protection Insurance -
Essential Abilities Insurance -
Term Life Policies -
Critical Illness Insurance -
Private Pension Plans -
Company Pension Schemes* -
KidsProtect All-In-One-Package -
Accident Insurance
*Includes Inquiry Service
Health Insurance
-
Public Insurance &
Easy Enrollment -
Private Insurance &
Claims Submission -
Extended Health Coverage
(PublicPLUS) -
Long-Term Care Insurance -
Insurance Switch Service -
Living Will Support
Home & Family
-
Liability Insurance -
Household Insurance -
Buildings Insurance -
Natural Disaster Insurance -
Bike Theft Cover -
Solar PV Systems Coverage -
Legal Expenses Insurance
Car Insurance & Breakdown Service
-
Special Classifications up to 7 yrs. -
Breakdown Service -
Approved Repair Network -
Protected No-Claims Discount -
Accompanied Driving Discount (Age 17+)
Pet Insurances
-
Pet Surgery Insurance* -
Pet Health Insurance* -
Veterinary Costs Coverage -
Dog Owner Liability -
Horse Owner Liability -
Horse Life Insurance
*Dogs, Cats, Horses
Contract Review & Support*
-
Policy Check -
Coverage Upgrade -
Switch Support -
Ongoing Supervision -
Claims Support
*Charge-free
Income & Life
-
Income Protection Insurance -
Essential Abilities Insurance -
Term Life Policies -
Critical Illness Insurance -
Private Pension Plans -
Company Pension Schemes* -
KidsProtect All-In-One-Package -
Accident Insurance
*Includes Inquiry Service
Health Insurance
-
Public Insurance &
Easy Enrollment -
Private Insurance &
Claims Submission -
Extended Health Coverage
(PublicPLUS) -
Long-Term Care Insurance -
Insurance Switch Service -
Living Will Support
Home & Family
-
Liability Insurance -
Household Insurance -
Buildings Insurance -
Natural Disaster Insurance -
Bike Theft Cover -
Solar PV Systems Coverage -
Legal Expenses Insurance
Car Insurance & Breakdown Service
-
Special Classifications up to 7 yrs. -
Breakdown Service -
Approved Repair Network -
Protected No-Claims Discount -
Accompanied Driving Discount (Age 17+)
Pet Insurances
-
Pet Surgery Insurance* -
Pet Health Insurance* -
Veterinary Costs Coverage -
Dog Owner Liability -
Horse Owner Liability -
Horse Life Insurance
*Dogs, Cats, Horses
Contract Review & Support*
-
Policy Check -
Coverage Upgrade -
Switch Support -
Ongoing Supervision -
Claims Support
*Charge-free
Income & Life
-
Income Protection Insurance -
Essential Abilities Insurance -
Term Life Policies -
Critical Illness Insurance -
Private Pension Plans -
Company Pension Schemes* -
KidsProtect All-In-One-Package -
Accident Insurance
*Includes Inquiry Service
Health Insurance
-
Public Insurance &
Easy Enrollment -
Private Insurance &
Claims Submission -
Extended Health Coverage
(PublicPLUS) -
Long-Term Care Insurance -
Insurance Switch Service -
Living Will Support
Home & Family
-
Liability Insurance -
Household Insurance -
Buildings Insurance -
Natural Disaster Insurance -
Bike Theft Cover -
Solar PV Systems Coverage -
Legal Expenses Insurance
Car Insurance & Breakdown Service
-
Special Classifications up to 7 yrs. -
Breakdown Service -
Approved Repair Network -
Protected No-Claims Discount -
Accompanied Driving Discount (Age 17+)
Pet Insurances
-
Pet Surgery Insurance* -
Pet Health Insurance* -
Veterinary Costs Coverage -
Dog Owner Liability -
Horse Owner Liability -
Horse Life Insurance
*Dogs, Cats, Horses
Contract Review & Support*
-
Policy Check -
Coverage Upgrade -
Switch Support -
Ongoing Supervision -
Claims Support
*Charge-free
Income & Life
-
Income Protection Insurance -
Essential Abilities Insurance -
Term Life Policies -
Critical Illness Insurance -
Private Pension Plans -
Company Pension Schemes* -
KidsProtect All-In-One-Package -
Accident Insurance
*Includes Inquiry Service
Health Insurance
-
Public Insurance &
Easy Enrollment -
Private Insurance &
Claims Submission -
Extended Health Coverage
(PublicPLUS) -
Long-Term Care Insurance -
Insurance Switch Service -
Living Will Support
Home & Family
-
Liability Insurance -
Household Insurance -
Buildings Insurance -
Natural Disaster Insurance -
Bike Theft Cover -
Solar PV Systems Coverage -
Legal Expenses Insurance
Car Insurance & Breakdown Service
-
Special Classifications up to 7 yrs. -
Breakdown Service -
Approved Repair Network -
Protected No-Claims Discount -
Accompanied Driving Discount (Age 17+)
Pet Insurances
-
Pet Surgery Insurance* -
Pet Health Insurance* -
Veterinary Costs Coverage -
Dog Owner Liability -
Horse Owner Liability -
Horse Life Insurance
*Dogs, Cats, Horses
Contract Review & Support*
-
Policy Check -
Coverage Upgrade -
Switch Support -
Ongoing Supervision -
Claims Support
*Charge-free
Income & Life
-
Income Protection Insurance -
Essential Abilities Insurance -
Term Life Policies -
Critical Illness Insurance -
Private Pension Plans -
Company Pension Schemes* -
KidsProtect All-In-One-Package -
Accident Insurance
*Includes Inquiry Service
Health Insurance
-
Public Insurance & Easy Enrollment -
Private Insurance & Claims Submission -
Extended Health Coverage (PublicPLUS) -
Long-Term Care Insurance -
Insurance Switch Service -
Living Will Support
Home & Family
-
Liability Insurance -
Household Insurance -
Buildings Insurance -
Natural Disaster Insurance -
Bike Theft Cover -
Solar PV Systems Coverage -
Legal Expenses Insurance
Car Insurance & Breakdown Service
-
Special Classifications
up to 7 yrs. -
Breakdown Service -
Approved Repair Network -
Protected No-Claims Discount -
Accompanied Driving Discount (Age 17+)
Pet Insurances
-
Pet Surgery Insurance* -
Pet Health Insurance* -
Veterinary Costs Coverage -
Dog Owner Liability -
Horse Owner Liability -
Horse Life Insurance
*Dogs, Cats, Horses
Contract Review & Support*
-
Policy Check -
Coverage Upgrade -
Switch Support -
Ongoing Supervision -
Claims Support
*Charge-free
Income & Life
-
Income Protection Insurance -
Essential Abilities Insurance -
Term Life Policies -
Critical Illness Insurance -
Private Pension Plans -
Company Pension Schemes* -
KidsProtect All-In-One-Package -
Accident Insurance
*Includes Inquiry Service
Health Insurance
-
Public Insurance & Easy Enrollment -
Private Insurance & Claims Submission -
Extended Health Coverage (PublicPLUS) -
Long-Term Care Insurance -
Insurance Switch Service -
Living Will Support
Home & Family
-
Liability Insurance -
Household Insurance -
Buildings Insurance -
Natural Disaster Insurance -
Bike Theft Cover -
Solar PV Systems Coverage -
Legal Expenses Insurance
Car Insurance & Breakdown Service
-
Special Classifications
up to 7 yrs. -
Breakdown Service -
Approved Repair Network -
Protected No-Claims Discount -
Accompanied Driving Discount (Age 17+)
Pet Insurances
-
Pet Surgery Insurance* -
Pet Health Insurance* -
Veterinary Costs Coverage -
Dog Owner Liability -
Horse Owner Liability -
Horse Life Insurance
*Dogs, Cats, Horses
Meet the team behind Exparanto
Nico Glatz
Expat Insurance Advisor
Markus Rink
Expat Insurance Advisor
What our advised clients have to say
Ready to make it
make sense?