{"id":11,"date":"2026-01-20T08:31:53","date_gmt":"2026-01-20T08:31:53","guid":{"rendered":"http:\/\/insure-germany.local\/?page_id=11"},"modified":"2026-08-21T19:25:31","modified_gmt":"2026-08-21T19:25:31","slug":"liability-insurance-germany","status":"publish","type":"page","link":"https:\/\/insure-germany.com\/de\/","title":{"rendered":"Startseite"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"11\" class=\"elementor elementor-11\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29aae7d ig-hero e-flex e-con-boxed e-con e-parent\" data-id=\"29aae7d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e299727 e-con-full e-flex e-con e-child\" data-id=\"e299727\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e465a78 elementor-widget elementor-widget-heading\" data-id=\"e465a78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Independent \u00b7 English-speaking \u00b7 Licensed under \u00a7 34d GewO\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6859a5a elementor-widget elementor-widget-html\" data-id=\"6859a5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.hero-heading {\n    margin: 0;\n    font-family: 'Poppins', Arial, Helvetica, sans-serif;\n    font-weight: 600;\n    font-size: clamp(2rem, 4.4vw, 3rem);\n    line-height: 1.15;\n    letter-spacing: -0.5px;\n    color: #1A1A1A;\n}\n\n.hero-heading .accent {\n    color: #F5A015;\n}\n\n\/* Mobile *\/\n@media (max-width: 767px) {\n    .hero-heading {\n        font-size: 35px;\n        line-height: 1.15;\n        text-align: center;\n    }\n}\n<\/style>\n\n<h1 class=\"hero-heading\">\n    <span class=\"accent\">Insurance in Germany for Expats<\/span><br>\n    \n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aed8671 elementor-widget elementor-widget-heading\" data-id=\"aed8671\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">One Broker. The Whole Market. No Sales Script.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f76e2e1 elementor-widget elementor-widget-text-editor\" data-id=\"f76e2e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You didn&#8217;t move to Germany to become an expert in\u00a0<span lang=\"de\">Sozialversicherung<\/span>. An independent broker compares the whole market for you, explains what each policy actually covers, and stays on the other end of the phone when something goes wrong \u2014 not just when something needs signing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0780bc3 e-con-full e-flex e-con e-child\" data-id=\"0780bc3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b449bd elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"6b449bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book your free call<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dfaee1 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"3dfaee1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#whyus\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See broker vs agent<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9f8e816 e-con-full e-flex e-con e-child\" data-id=\"9f8e816\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8aa5c24 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8aa5c24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">8+ years in the German market<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34f5af7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"34f5af7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">100+ insurers compared<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d19bd21 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d19bd21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Advice costs you nothing<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62439f3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"62439f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">English and German, your choice<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3cae3f elementor-widget elementor-widget-html\" data-id=\"b3cae3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\n     insure-Germany \u00b7 Hero background motion (looping)\n     ------------------------------------------------------------\n     SETUP (2 steps):\n     1) Select the HERO CONTAINER (the outer one, 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src.parentElement;\n      if (!hero) continue;\n\n      hero.classList.add('ig-hero');\n      hero.insertBefore(layer, hero.firstChild);   \/* send to the back *\/\n      src.parentNode.removeChild(src);             \/* drop the empty shell *\/\n    }\n  }\n\n  if (document.readyState === 'loading'){\n    document.addEventListener('DOMContentLoaded', mount);\n  } else {\n    mount();\n  }\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a62ebc2 e-con-full e-flex e-con e-child\" data-id=\"a62ebc2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5fa6c7 elementor-widget elementor-widget-image\" data-id=\"c5fa6c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2000\" height=\"2909\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insurance-broker-for-expats-germany-christian.webp\" class=\"attachment-full size-full wp-image-62\" alt=\"Independent insurance broker helping expats find the right insurance in Germany\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insurance-broker-for-expats-germany-christian.webp 2000w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insurance-broker-for-expats-germany-christian-206x300.webp 206w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insurance-broker-for-expats-germany-christian-704x1024.webp 704w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insurance-broker-for-expats-germany-christian-768x1117.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insurance-broker-for-expats-germany-christian-1056x1536.webp 1056w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insurance-broker-for-expats-germany-christian-1408x2048.webp 1408w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insurance-broker-for-expats-germany-christian-8x12.webp 8w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd8ad73 e-flex e-con-boxed e-con e-parent\" data-id=\"fd8ad73\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-96a35ac e-con-full e-flex e-con e-child\" data-id=\"96a35ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af76a82 elementor-widget elementor-widget-counter\" data-id=\"af76a82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"8\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7798299 elementor-widget elementor-widget-text-editor\" data-id=\"7798299\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Years in the German insurance market<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7a72160 e-con-full e-flex e-con e-child\" data-id=\"7a72160\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-287d29f elementor-widget elementor-widget-counter\" data-id=\"287d29f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"100\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8bb47f elementor-widget elementor-widget-text-editor\" data-id=\"a8bb47f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"trust-item\"><span class=\"trust-lbl\">Insurers compared for every case<\/span><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bf44477 e-con-full e-flex e-con e-child\" data-id=\"bf44477\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8246708 elementor-widget elementor-widget-counter\" data-id=\"8246708\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"1\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0aa4601 elementor-widget elementor-widget-text-editor\" data-id=\"0aa4601\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"trust-item\"><span class=\"trust-lbl\">Named contact, not a call centre<\/span><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02147b8 e-con-full e-flex e-con e-child\" data-id=\"02147b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9016fb elementor-widget elementor-widget-counter\" data-id=\"d9016fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"5000\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60b9865 elementor-widget elementor-widget-text-editor\" data-id=\"60b9865\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<section class=\"trustbar\" aria-label=\"Key figures\"><div class=\"wrap\"><div class=\"trustbar-inner\"><div class=\"trust-item\" data-placeholder=\"\"><span class=\"trust-lbl\">Clients advised\u00a0<\/span><\/div><\/div><\/div><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3dd799c ig-tab-scroll e-flex e-con-boxed e-con e-parent\" data-id=\"3dd799c\" data-element_type=\"container\" data-e-type=\"container\" id=\"ig-tabnav\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da23b7a elementor-widget elementor-widget-button\" data-id=\"da23b7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#Problem\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Problem<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74c6381 elementor-widget elementor-widget-button\" data-id=\"74c6381\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#Insurancebasics\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Insurance basics<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f714a64 elementor-widget elementor-widget-button\" data-id=\"f714a64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#whyus\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Why Us <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d67731 elementor-widget elementor-widget-button\" data-id=\"3d67731\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#Services\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Services<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-140c782 elementor-widget elementor-widget-button\" data-id=\"140c782\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#Aboutus\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">About Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-adf3eb7 elementor-widget elementor-widget-button\" data-id=\"adf3eb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#health-insurance\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Health Insurance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad527dc elementor-widget elementor-widget-button\" data-id=\"ad527dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#how-it-works\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">How It Works<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cf6073 elementor-widget elementor-widget-button\" data-id=\"1cf6073\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#fa\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">FAQ<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77cab9d e-flex e-con-boxed e-con e-parent\" data-id=\"77cab9d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66ff9c5 elementor-widget elementor-widget-menu-anchor\" data-id=\"66ff9c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Problem\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64cd8bd elementor-widget elementor-widget-heading\" data-id=\"64cd8bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">The problem<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a83865 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5a83865\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why expats end up with the wrong insurance in Germany<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-450e0e0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"450e0e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><p class=\"lead\">It&#8217;s rarely bad judgement. It&#8217;s a system that sells you a policy before anyone explains how German insurance actually works \u2014 mandatory, optional, public, private,\u00a0<span lang=\"de\">gesetzlich<\/span>,\u00a0<span lang=\"de\">privat<\/span>. Three reasons this happens on repeat:<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b2690b e-grid e-con-full e-con e-child\" data-id=\"7b2690b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-58ed1dd e-con-full e-flex e-con e-child\" data-id=\"58ed1dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ff8153 elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"2ff8153\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-balance-scale-right\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96 464v32c0 8.84 7.16 16 16 16h224c8.84 0 16-7.16 16-16V153.25c4.56-2 8.92-4.35 12.99-7.12l142.05 47.63c8.38 2.81 17.45-1.71 20.26-10.08l10.17-30.34c2.81-8.38-1.71-17.45-10.08-20.26l-128.4-43.05c.42-3.32 1.01-6.6 1.01-10.03 0-44.18-35.82-80-80-80-29.69 0-55.3 16.36-69.11 40.37L132.96.83c-8.38-2.81-17.45 1.71-20.26 10.08l-10.17 30.34c-2.81 8.38 1.71 17.45 10.08 20.26l132 44.26c7.28 21.25 22.96 38.54 43.38 47.47V448H112c-8.84 0-16 7.16-16 16zM0 304c0 44.18 57.31 80 128 80s128-35.82 128-80h-.02c0-15.67 2.08-7.25-85.05-181.51-17.68-35.36-68.22-35.29-85.87 0C-1.32 295.27.02 287.82.02 304H0zm56-16l72-144 72 144H56zm328.02 144H384c0 44.18 57.31 80 128 80s128-35.82 128-80h-.02c0-15.67 2.08-7.25-85.05-181.51-17.68-35.36-68.22-35.29-85.87 0-86.38 172.78-85.04 165.33-85.04 181.51zM440 416l72-144 72 144H440z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a27cfa elementor-widget elementor-widget-heading\" data-id=\"0a27cfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tied agents can only open one drawer\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c21171d elementor-widget elementor-widget-text-editor\" data-id=\"c21171d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<article class=\"card\"><p>An\u00a0<span lang=\"de\">Ausschlie\u00dflichkeitsvertreter<\/span> (tied agent) represents a single insurer. Ask about a competitor&#8217;s policy and you&#8217;ll get a polite version of &#8220;we don&#8217;t do that here&#8221; \u2014 even when it&#8217;s the better fit for someone new to Germany.<\/p><\/article>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-71aa703 e-con-full e-flex e-con e-child\" data-id=\"71aa703\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7d73ea elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"b7d73ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-chart-bar\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d9c779 elementor-widget elementor-widget-heading\" data-id=\"3d9c779\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comparison portals sort by price, not by what happens when you claim<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba7bdc7 elementor-widget elementor-widget-text-editor\" data-id=\"ba7bdc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<article class=\"card\"><article class=\"card\"><p>Check24 and similar sites are built to rank the cheapest premium, not the exclusions buried in paragraph fourteen of the policy wording. For an expat who can&#8217;t read the small print in German, that gap gets expensive fast.<\/p><\/article><\/article>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f8189b4 e-con-full e-flex e-con e-child\" data-id=\"f8189b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74c6c1a elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"74c6c1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-question\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M202.021 0C122.202 0 70.503 32.703 29.914 91.026c-7.363 10.58-5.093 25.086 5.178 32.874l43.138 32.709c10.373 7.865 25.132 6.026 33.253-4.148 25.049-31.381 43.63-49.449 82.757-49.449 30.764 0 68.816 19.799 68.816 49.631 0 22.552-18.617 34.134-48.993 51.164-35.423 19.86-82.299 44.576-82.299 106.405V320c0 13.255 10.745 24 24 24h72.471c13.255 0 24-10.745 24-24v-5.773c0-42.86 125.268-44.645 125.268-160.627C377.504 66.256 286.902 0 202.021 0zM192 373.459c-38.196 0-69.271 31.075-69.271 69.271 0 38.195 31.075 69.27 69.271 69.27s69.271-31.075 69.271-69.271-31.075-69.27-69.271-69.27z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1e2c73 elementor-widget elementor-widget-heading\" data-id=\"e1e2c73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Nobody explains the system before asking you to sign<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dad788 elementor-widget elementor-widget-text-editor\" data-id=\"0dad788\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<section id=\"why\" aria-labelledby=\"h-why\"><div class=\"wrap\"><div class=\"grid g3\"><article class=\"card\"><p>You get handed a GKV or PKV form during your\u00a0<span lang=\"de\">Anmeldung<\/span>\u00a0week, take out a\u00a0<span lang=\"de\">Haftpflicht<\/span> policy because a flatmate said so, and only later find out what any of it actually means. That&#8217;s the wrong order.<\/p><\/article><\/div><\/div><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5764976 e-flex e-con-boxed e-con e-parent\" data-id=\"5764976\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3fab528 elementor-widget elementor-widget-menu-anchor\" data-id=\"3fab528\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Insurancebasics\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4113a7f elementor-widget elementor-widget-heading\" data-id=\"4113a7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Start here<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5ae026 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"b5ae026\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How insurance actually works in Germany<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d755364 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d755364\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><p class=\"lead\">Germany runs on a mix of state systems, payroll deductions and private cover \u2014 and almost none of it gets explained to newcomers in one place. Here&#8217;s the short version, in three tiers.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-642fabb e-grid e-con-full e-con e-child\" data-id=\"642fabb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-257a26d e-con-full e-flex e-con e-child\" data-id=\"257a26d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-256bac7 elementor-widget elementor-widget-html\" data-id=\"256bac7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\n     insure-Germany \u00b7 Motion graphic 1 of 3\n     \"MANDATORY \u2014 what the law requires\"\n     Metaphor: a shield draws itself, then a lock closes on it.\n               Expanding rings = enforced, no opt-out.\n    \n     ============================================================ -->\n\n<style>\n.igm-law{\n  --graphic-size:80px;\n  --igm-accent:#F5A015;\n  --igm-accent-dark:#D88A0A;\n  --igm-accent-light:#FCEBD1;\n  --igm-ink:#2D2D2D;\n\n  width:var(--graphic-size);\n  height:var(--graphic-size);\n  flex:0 0 auto;\n  display:block;\n  line-height:0;\n  max-width:100%;\n}\n.igm-law svg{width:100%;height:100%;display:block;overflow:visible}\n\n\/* ---- backdrop ---- *\/\n.igm-law .igm-law-bg{\n  fill:var(--igm-accent-light);\n  transform-origin:60px 60px;\n  animation:igmLawBreathe 6s ease-in-out infinite;\n}\n@keyframes igmLawBreathe{\n  0%,100%{transform:scale(1);opacity:.7}\n  50%    {transform:scale(1.05);opacity:.95}\n}\n\n\/* ---- enforcement rings ---- *\/\n.igm-law .igm-law-ring{\n  fill:none;\n  stroke:var(--igm-accent);\n  stroke-width:1.5;\n  transform-origin:60px 60px;\n  opacity:0;\n}\n.igm-law .igm-law-ring-1{animation:igmLawRing 6s ease-out infinite 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{transform:translateY(-7px);opacity:0}\n}\n\n\/* ---- keyhole ---- *\/\n.igm-law .igm-law-hole{\n  fill:#fff;\n  transform-origin:60px 70px;\n  opacity:0;\n  animation:igmLawHole 6s ease-out infinite;\n}\n@keyframes igmLawHole{\n  0%,52%{opacity:0;transform:scale(.2)}\n  62%   {opacity:1;transform:scale(1)}\n  88%   {opacity:1;transform:scale(1)}\n  100%  {opacity:0;transform:scale(.2)}\n}\n\n@media(prefers-reduced-motion:reduce){\n  .igm-law *{animation:none!important}\n  .igm-law .igm-law-shield{stroke-dashoffset:0}\n  .igm-law .igm-law-shield-fill,\n  .igm-law .igm-law-body,\n  .igm-law .igm-law-shackle,\n  .igm-law .igm-law-hole{opacity:1}\n}\n<\/style>\n\n<div class=\"igm-law\" role=\"img\" aria-label=\"An animated shield closing with a padlock, representing insurance that is legally required in Germany\">\n  <svg viewBox=\"0 0 120 120\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <circle class=\"igm-law-bg\" cx=\"60\" cy=\"60\" r=\"46\"\/>\n\n    <circle class=\"igm-law-ring igm-law-ring-1\" cx=\"60\" cy=\"60\" r=\"46\"\/>\n    <circle class=\"igm-law-ring igm-law-ring-2\" cx=\"60\" cy=\"60\" r=\"46\"\/>\n\n    <path class=\"igm-law-shield-fill\"\n          d=\"M60 16 L96 30 V62 c0 22-14 36-36 44 C38 98 24 84 24 62 V30 Z\"\/>\n    <path class=\"igm-law-shield\"\n          d=\"M60 16 L96 30 V62 c0 22-14 36-36 44 C38 98 24 84 24 62 V30 Z\"\/>\n\n    <path class=\"igm-law-shackle\" d=\"M52 62 v-7 a8 8 0 0 1 16 0 v7\"\/>\n    <rect class=\"igm-law-body\" x=\"46\" y=\"60\" width=\"28\" height=\"22\" rx=\"5\"\/>\n    <circle class=\"igm-law-hole\" cx=\"60\" cy=\"70\" r=\"3.2\"\/>\n  <\/svg>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c9d922 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3c9d922\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mandatory<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d12802a elementor-widget elementor-widget-heading\" data-id=\"d12802a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What the law requires<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bb15c1 elementor-widget elementor-widget-text-editor\" data-id=\"8bb15c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<article class=\"card\"><p>Non-negotiable. If you live and work here, these are simply part of being resident in Germany.<\/p><ul class=\"tier-list\"><li><a href=\"https:\/\/insure-germany.com\/services\/health-insurance-germany-expats\/\"><strong>Health insurance (GKV or PKV)<\/strong>\u00a0<\/a>\u2014 required for every resident from the day you register your address (<span lang=\"de\">Anmeldung<\/span>), no exceptions.<\/li><li><strong>Statutory pension contributions<\/strong>\u00a0\u2014 automatic once you&#8217;re employed; deducted from your payroll before you ever see it.<\/li><li><strong>Car insurance (<span lang=\"de\">Kfz-Haftpflicht<\/span>)<\/strong>\u00a0\u2014 required to register any vehicle, including a scooter.<\/li><li><a href=\"https:\/\/insure-germany.com\/services\/pet-insurance-germany\/\"><strong>Dog liability insurance<\/strong><\/a>\u00a0\u2014 mandatory by law in several federal states, including Berlin and North Rhine-Westphalia.<\/li><\/ul><\/article>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60bb7fe e-con-full e-flex e-con e-child\" data-id=\"60bb7fe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2900cea elementor-widget elementor-widget-html\" data-id=\"2900cea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\n     insure-Germany \u00b7 Motion graphic 2 of 3\n     \"STRONGLY RECOMMENDED \u2014 what most residents get anyway\"\n     Metaphor: an adoption ring fills to ~85% while twelve\n               household dots light up around it one by one.\n               A checkmark lands once the majority is reached.\n     ------------------------------------------------------------\n     Paste into an Elementor HTML widget.\n     Size:  set --graphic-size on this element or any parent, e.g.\n            .my-card{--graphic-size:96px}\n            Default is 120px. The box is always square, so changing\n            the size never shifts the surrounding layout.\n     ============================================================ -->\n\n<style>\n.igm-most{\n  --graphic-size:80px;\n  --igm-accent:#F5A015;\n  --igm-accent-dark:#D88A0A;\n  --igm-accent-light:#FCEBD1;\n  --igm-teal:#1D9E75;          \/* harmonious confirmation colour *\/\n\n  width:var(--graphic-size);\n  height:var(--graphic-size);\n  flex:0 0 auto;\n  display:block;\n  line-height:0;\n  max-width:100%;\n}\n.igm-most svg{width:100%;height:100%;display:block;overflow:visible}\n\n\/* ---- ring track ---- *\/\n.igm-most .igm-most-track{\n  fill:none;\n  stroke:var(--igm-accent-light);\n  stroke-width:9;\n}\n\n\/* ---- filling arc: 0 \u2192 85% of the circle ----\n   r = 38  \u2192  circumference = 2 * pi * 38 = 238.76\n   85% filled  \u2192  remaining offset = 238.76 * 0.15 = 35.8            *\/\n.igm-most .igm-most-arc{\n  fill:none;\n  stroke:var(--igm-accent);\n  stroke-width:9;\n  stroke-linecap:round;\n  stroke-dasharray:238.76;\n  stroke-dashoffset:238.76;\n  transform:rotate(-90deg);\n  transform-origin:60px 60px;\n  animation:igmMostFill 7s cubic-bezier(.33,1,.68,1) infinite;\n}\n@keyframes igmMostFill{\n  0%    {stroke-dashoffset:238.76}\n  46%   {stroke-dashoffset:35.8}\n  90%   {stroke-dashoffset:35.8;opacity:1}\n  100%  {stroke-dashoffset:238.76;opacity:0}\n}\n\n\/* ---- soft glow that follows the fill ---- *\/\n.igm-most .igm-most-glow{\n  fill:none;\n  stroke:var(--igm-accent);\n  stroke-width:16;\n  stroke-linecap:round;\n  stroke-dasharray:238.76;\n  stroke-dashoffset:238.76;\n  opacity:.14;\n  filter:blur(5px);\n  transform:rotate(-90deg);\n  transform-origin:60px 60px;\n  animation:igmMostFill 7s cubic-bezier(.33,1,.68,1) infinite;\n}\n\n\/* ---- household dots ---- *\/\n.igm-most .igm-most-dot{\n  fill:var(--igm-accent-light);\n  transform-origin:center;\n  transform-box:fill-box;\n  animation:igmMostDot 7s ease-out infinite;\n}\n.igm-most .igm-most-dot:nth-of-type(1) {animation-delay:.10s}\n.igm-most .igm-most-dot:nth-of-type(2) {animation-delay:.34s}\n.igm-most .igm-most-dot:nth-of-type(3) {animation-delay:.58s}\n.igm-most .igm-most-dot:nth-of-type(4) {animation-delay:.82s}\n.igm-most .igm-most-dot:nth-of-type(5) {animation-delay:1.06s}\n.igm-most .igm-most-dot:nth-of-type(6) {animation-delay:1.30s}\n.igm-most .igm-most-dot:nth-of-type(7) {animation-delay:1.54s}\n.igm-most .igm-most-dot:nth-of-type(8) {animation-delay:1.78s}\n.igm-most .igm-most-dot:nth-of-type(9) {animation-delay:2.02s}\n.igm-most .igm-most-dot:nth-of-type(10){animation-delay:2.26s}\n@keyframes igmMostDot{\n  0%    {fill:var(--igm-accent-light);transform:scale(1)}\n  8%    {fill:var(--igm-accent);transform:scale(1.5)}\n  16%   {fill:var(--igm-accent);transform:scale(1.1)}\n  84%   {fill:var(--igm-accent);transform:scale(1.1)}\n  100%  {fill:var(--igm-accent-light);transform:scale(1)}\n}\n\n\/* The last two stay pale \u2014 the minority that doesn't take it out *\/\n.igm-most .igm-most-dot-off{\n  fill:var(--igm-accent-light);\n  stroke:var(--igm-accent);\n  stroke-width:1.2;\n  opacity:.5;\n  animation:none;\n}\n\n\/* ---- centre checkmark ---- *\/\n.igm-most .igm-most-check{\n  fill:none;\n  stroke:var(--igm-teal);\n  stroke-width:4.6;\n  stroke-linecap:round;\n  stroke-linejoin:round;\n  stroke-dasharray:34;\n  stroke-dashoffset:34;\n  animation:igmMostCheck 7s cubic-bezier(.33,1,.68,1) infinite;\n}\n@keyframes igmMostCheck{\n  0%,46%{stroke-dashoffset:34;opacity:0}\n  50%   {opacity:1}\n  62%   {stroke-dashoffset:0;opacity:1}\n  90%   {stroke-dashoffset:0;opacity:1}\n  100%  {stroke-dashoffset:0;opacity:0}\n}\n\n\/* ---- check halo pop ---- *\/\n.igm-most .igm-most-halo{\n  fill:var(--igm-teal);\n  opacity:0;\n  transform-origin:60px 60px;\n  animation:igmMostHalo 7s ease-out infinite;\n}\n@keyframes igmMostHalo{\n  0%,46%{transform:scale(.3);opacity:0}\n  56%   {transform:scale(1);opacity:.12}\n  90%   {transform:scale(1);opacity:.12}\n  100%  {transform:scale(1);opacity:0}\n}\n\n@media(prefers-reduced-motion:reduce){\n  .igm-most *{animation:none!important}\n  .igm-most .igm-most-arc,\n  .igm-most .igm-most-glow{stroke-dashoffset:35.8}\n  .igm-most .igm-most-check{stroke-dashoffset:0;opacity:1}\n  .igm-most .igm-most-dot{fill:var(--igm-accent)}\n  .igm-most .igm-most-halo{opacity:.12}\n}\n<\/style>\n\n<div class=\"igm-most\" role=\"img\" aria-label=\"An animated progress ring filling to about 85 percent while household markers light up, representing insurance most residents in Germany take out anyway\">\n  <svg viewBox=\"0 0 120 120\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <!-- outer household markers: 10 light up, 2 stay pale -->\n    <circle class=\"igm-most-dot\"      cx=\"60\"  cy=\"8\"   r=\"3.2\"\/>\n    <circle class=\"igm-most-dot\"      cx=\"86\"  cy=\"15\"  r=\"3.2\"\/>\n    <circle class=\"igm-most-dot\"      cx=\"105\" cy=\"34\"  r=\"3.2\"\/>\n    <circle class=\"igm-most-dot\"      cx=\"112\" cy=\"60\"  r=\"3.2\"\/>\n    <circle class=\"igm-most-dot\"      cx=\"105\" cy=\"86\"  r=\"3.2\"\/>\n    <circle class=\"igm-most-dot\"      cx=\"86\"  cy=\"105\" r=\"3.2\"\/>\n    <circle class=\"igm-most-dot\"      cx=\"60\"  cy=\"112\" r=\"3.2\"\/>\n    <circle class=\"igm-most-dot\"      cx=\"34\"  cy=\"105\" r=\"3.2\"\/>\n    <circle class=\"igm-most-dot\"      cx=\"15\"  cy=\"86\"  r=\"3.2\"\/>\n    <circle class=\"igm-most-dot\"      cx=\"8\"   cy=\"60\"  r=\"3.2\"\/>\n    <circle class=\"igm-most-dot-off\"  cx=\"15\"  cy=\"34\"  r=\"3.2\"\/>\n    <circle class=\"igm-most-dot-off\"  cx=\"34\"  cy=\"15\"  r=\"3.2\"\/>\n\n    <!-- ring -->\n    <circle class=\"igm-most-track\" cx=\"60\" cy=\"60\" r=\"38\"\/>\n    <circle class=\"igm-most-glow\"  cx=\"60\" cy=\"60\" r=\"38\"\/>\n    <circle class=\"igm-most-arc\"   cx=\"60\" cy=\"60\" r=\"38\"\/>\n\n    <!-- centre confirmation -->\n    <circle class=\"igm-most-halo\" cx=\"60\" cy=\"60\" r=\"21\"\/>\n    <path class=\"igm-most-check\" d=\"M50 60.5 L57 67.5 L71 53\"\/>\n  <\/svg>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c073ece elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c073ece\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Strongly recommended<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4877e9 elementor-widget elementor-widget-heading\" data-id=\"c4877e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What most residents get anyway<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97e5094 elementor-widget elementor-widget-text-editor\" data-id=\"97e5094\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Not required by law, but close to universal \u2014 and the gaps get expensive quickly.<\/p><ul class=\"tier-list\"><li><strong>Personal liability insurance (<span lang=\"de\">Privathaftpflicht<\/span>)<\/strong>\u00a0\u2014 around 85% of German households carry one; covers you if you damage someone else&#8217;s property or injure someone by accident.<\/li><li><strong>Household contents insurance (<span lang=\"de\">Hausrat<\/span>)<\/strong>\u00a0\u2014 covers your belongings against fire, theft and water damage; landlords increasingly expect to see proof of it.<\/li><li><a href=\"https:\/\/insure-germany.com\/services\/legal-insurance-germany\/\"><strong>Legal expenses insurance (<span lang=\"de\">Rechtsschutz<\/span>)<\/strong>\u00a0<\/a>\u2014 covers legal costs for tenancy, employment or traffic disputes, three areas where expats run into the German legal system fastest.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63234b2 e-con-full e-flex e-con e-child\" data-id=\"63234b2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2641cb3 elementor-widget elementor-widget-html\" data-id=\"2641cb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\n     insure-Germany \u00b7 Motion graphic 3 of 3\n     \"OPTIONAL \u2014 what depends on your situation\"\n     Metaphor: one starting point, three possible routes.\n               A light pulse travels down a different branch each\n               cycle, and the matching endpoint lights up \u2014 the\n               answer changes depending on who is asking.\n     ============================================================ -->\n\n<style>\n.igm-dep{\n  --graphic-size:80px;\n  --igm-accent:#F5A015;\n  --igm-accent-dark:#D88A0A;\n  --igm-accent-light:#FCEBD1;\n  --igm-ink:#2D2D2D;\n\n  width:var(--graphic-size);\n  height:var(--graphic-size);\n  flex:0 0 auto;\n  display:block;\n  line-height:0;\n  max-width:100%;\n}\n.igm-dep svg{width:100%;height:100%;display:block;overflow:visible}\n\n\/* ---- resting branch lines ---- *\/\n.igm-dep .igm-dep-rail{\n  fill:none;\n  stroke:var(--igm-accent-light);\n  stroke-width:4;\n  stroke-linecap:round;\n}\n\n\/* ---- travelling light pulse (a short dash sliding along the path) ---- *\/\n.igm-dep .igm-dep-pulse{\n  fill:none;\n  stroke:var(--igm-accent);\n  stroke-width:4;\n  stroke-linecap:round;\n  stroke-dasharray:20 320;\n  animation:igmDepPulse 6s cubic-bezier(.45,.05,.55,.95) infinite;\n}\n.igm-dep .igm-dep-pulse-1{animation-delay:0s}\n.igm-dep .igm-dep-pulse-2{animation-delay:2s}\n.igm-dep .igm-dep-pulse-3{animation-delay:4s}\n@keyframes igmDepPulse{\n  0%    {stroke-dashoffset:20;opacity:0}\n  4%    {opacity:1}\n  26%   {stroke-dashoffset:-104;opacity:1}\n  32%   {stroke-dashoffset:-118;opacity:0}\n  100%  {stroke-dashoffset:-118;opacity:0}\n}\n\n\/* ---- start node ---- *\/\n.igm-dep .igm-dep-start-glow{\n  fill:var(--igm-accent);\n  opacity:.16;\n  transform-origin:22px 60px;\n  animation:igmDepStartGlow 2s ease-in-out infinite;\n}\n@keyframes igmDepStartGlow{\n  0%,100%{transform:scale(.85);opacity:.10}\n  50%    {transform:scale(1.2);opacity:.22}\n}\n.igm-dep .igm-dep-start{\n  fill:var(--igm-accent);\n}\n.igm-dep .igm-dep-start-core{\n  fill:#fff;\n}\n\n\/* ---- endpoint nodes ---- *\/\n.igm-dep .igm-dep-end{\n  fill:#fff;\n  stroke:var(--igm-accent-light);\n  stroke-width:4;\n  transform-origin:center;\n  transform-box:fill-box;\n  animation:igmDepEnd 6s cubic-bezier(.34,1.56,.64,1) infinite;\n}\n.igm-dep .igm-dep-end-1{animation-delay:0s}\n.igm-dep .igm-dep-end-2{animation-delay:2s}\n.igm-dep .igm-dep-end-3{animation-delay:4s}\n@keyframes igmDepEnd{\n  0%,22% {stroke:var(--igm-accent-light);transform:scale(1)}\n  30%    {stroke:var(--igm-accent);transform:scale(1.3)}\n  38%    {stroke:var(--igm-accent);transform:scale(1.08)}\n  60%    {stroke:var(--igm-accent);transform:scale(1.08)}\n  72%    {stroke:var(--igm-accent-light);transform:scale(1)}\n  100%   {stroke:var(--igm-accent-light);transform:scale(1)}\n}\n\n\/* ---- endpoint fill: only the active route reads as \"chosen\" ---- *\/\n.igm-dep .igm-dep-end-fill{\n  fill:var(--igm-accent);\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igmDepEndFill 6s cubic-bezier(.34,1.56,.64,1) infinite;\n}\n.igm-dep .igm-dep-end-fill-1{animation-delay:0s}\n.igm-dep .igm-dep-end-fill-2{animation-delay:2s}\n.igm-dep .igm-dep-end-fill-3{animation-delay:4s}\n@keyframes igmDepEndFill{\n  0%,24%{opacity:0;transform:scale(.2)}\n  32%   {opacity:1;transform:scale(1)}\n  60%   {opacity:1;transform:scale(1)}\n  72%   {opacity:0;transform:scale(.2)}\n  100%  {opacity:0;transform:scale(.2)}\n}\n\n\/* ---- ripple at the endpoint on arrival ---- *\/\n.igm-dep .igm-dep-ripple{\n  fill:none;\n  stroke:var(--igm-accent);\n  stroke-width:2;\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igmDepRipple 6s ease-out infinite;\n}\n.igm-dep .igm-dep-ripple-1{animation-delay:0s}\n.igm-dep .igm-dep-ripple-2{animation-delay:2s}\n.igm-dep .igm-dep-ripple-3{animation-delay:4s}\n@keyframes igmDepRipple{\n  0%,26%{transform:scale(.5);opacity:0}\n  30%   {opacity:.5}\n  46%   {transform:scale(2);opacity:0}\n  100%  {transform:scale(2);opacity:0}\n}\n\n@media(prefers-reduced-motion:reduce){\n  .igm-dep *{animation:none!important}\n  .igm-dep .igm-dep-pulse{opacity:0}\n  .igm-dep .igm-dep-end-fill-2{opacity:1}\n  .igm-dep .igm-dep-end-2{stroke:var(--igm-accent)}\n}\n<\/style>\n\n<div class=\"igm-dep\" role=\"img\" aria-label=\"An animated diagram with one starting point and three branching routes lighting up in turn, representing insurance choices that depend on your personal situation\">\n  <svg viewBox=\"0 0 120 120\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n    <!-- resting rails -->\n    <path class=\"igm-dep-rail\" d=\"M22 60 C 48 60, 56 26, 94 26\"\/>\n    <path class=\"igm-dep-rail\" d=\"M22 60 C 48 60, 56 60, 94 60\"\/>\n    <path class=\"igm-dep-rail\" d=\"M22 60 C 48 60, 56 94, 94 94\"\/>\n\n    <!-- travelling pulses -->\n    <path class=\"igm-dep-pulse igm-dep-pulse-1\" d=\"M22 60 C 48 60, 56 26, 94 26\"\/>\n    <path class=\"igm-dep-pulse igm-dep-pulse-2\" d=\"M22 60 C 48 60, 56 60, 94 60\"\/>\n    <path class=\"igm-dep-pulse igm-dep-pulse-3\" d=\"M22 60 C 48 60, 56 94, 94 94\"\/>\n\n    <!-- endpoint ripples -->\n    <circle class=\"igm-dep-ripple igm-dep-ripple-1\" cx=\"94\" cy=\"26\" r=\"9\"\/>\n    <circle class=\"igm-dep-ripple igm-dep-ripple-2\" cx=\"94\" cy=\"60\" r=\"9\"\/>\n    <circle class=\"igm-dep-ripple igm-dep-ripple-3\" cx=\"94\" cy=\"94\" r=\"9\"\/>\n\n    <!-- endpoints -->\n    <circle class=\"igm-dep-end igm-dep-end-1\" cx=\"94\" cy=\"26\" r=\"8\"\/>\n    <circle class=\"igm-dep-end igm-dep-end-2\" cx=\"94\" cy=\"60\" r=\"8\"\/>\n    <circle class=\"igm-dep-end igm-dep-end-3\" cx=\"94\" cy=\"94\" r=\"8\"\/>\n\n    <circle class=\"igm-dep-end-fill igm-dep-end-fill-1\" cx=\"94\" cy=\"26\" r=\"4\"\/>\n    <circle class=\"igm-dep-end-fill igm-dep-end-fill-2\" cx=\"94\" cy=\"60\" r=\"4\"\/>\n    <circle class=\"igm-dep-end-fill igm-dep-end-fill-3\" cx=\"94\" cy=\"94\" r=\"4\"\/>\n\n    <!-- start node -->\n    <circle class=\"igm-dep-start-glow\" cx=\"22\" cy=\"60\" r=\"17\"\/>\n    <circle class=\"igm-dep-start\" cx=\"22\" cy=\"60\" r=\"10\"\/>\n    <circle class=\"igm-dep-start-core\" cx=\"22\" cy=\"60\" r=\"4\"\/>\n  <\/svg>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-750e06a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"750e06a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Optional<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a34b59 elementor-widget elementor-widget-heading\" data-id=\"5a34b59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What depends on your situation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e2d6e1 elementor-widget elementor-widget-text-editor\" data-id=\"5e2d6e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Worth having for some people, unnecessary for others. This is where honest advice matters most.<\/p><ul class=\"tier-list\"><li><a href=\"https:\/\/insure-germany.com\/services\/private-pension-germany\/\"><strong>Private pension top-ups<\/strong>\u00a0<\/a>(<span lang=\"de\">R\u00fcrup<\/span>, company pension) \u2014 closes the gap the state pension won&#8217;t fill, especially for freelancers.<\/li><li><strong>Income protection insurance<\/strong>\u00a0(<span lang=\"de\">Berufsunf\u00e4higkeit<\/span>) \u2014 replaces your income if illness or injury stops you working in your profession.<\/li><li><a href=\"https:\/\/insure-germany.com\/services\/liability-insurance-germany\/\"><strong>Professional liability insurance<\/strong>\u00a0<\/a>\u2014 mandatory for some regulated professions, sensible for most freelancers and contractors.<\/li><li><a href=\"https:\/\/insure-germany.com\/services\/pet-insurance-germany\/\"><strong>Pet health and surgery insurance<\/strong><\/a>\u00a0\u2014 covers vet bills beyond the basic liability cover above.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-691d875 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"691d875\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<section id=\"basics\" class=\"sec-soft\" aria-labelledby=\"h-basics\"><div class=\"wrap\"><p class=\"lead\">If you only sort two things in your first month here, make it health insurance and personal liability. Everything else can wait for a proper conversation.<\/p><\/div><\/section><section id=\"difference\" aria-labelledby=\"h-diff\"><div class=\"wrap\">\u00a0<\/div><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0d5d9fd elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"0d5d9fd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f4490e elementor-widget elementor-widget-menu-anchor\" data-id=\"9f4490e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"whyus\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9497395 elementor-widget elementor-widget-heading\" data-id=\"9497395\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">The difference<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-119dad7 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"119dad7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Independent broker, tied agent, or comparison portal \u2014 what's the actual difference<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48074e3 elementor-widget elementor-widget-text-editor\" data-id=\"48074e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head\"><p class=\"lead\">All three will sell you a policy. Only one of them is legally required to work for you.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-08e1da9 e-grid e-con-full e-con e-child\" data-id=\"08e1da9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ac7f56 elementor-widget elementor-widget-image\" data-id=\"6ac7f56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"377\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-1024x483.png\" class=\"attachment-large size-large wp-image-104\" alt=\"\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-1024x483.png 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-300x141.png 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-768x362.png 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-1536x724.png 1536w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-2048x965.png 2048w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-18x8.png 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e57d40 elementor-widget elementor-widget-text-editor\" data-id=\"3e57d40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Independent broker<br \/>(insure-Germany)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bae083 elementor-widget elementor-widget-text-editor\" data-id=\"1bae083\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tied agent<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7525994 elementor-widget elementor-widget-text-editor\" data-id=\"7525994\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Comparison portal<br \/>(e.g. Check24)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37f234a elementor-widget elementor-widget-text-editor\" data-id=\"37f234a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Works on behalf of<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf3fcf9 elementor-widget elementor-widget-text-editor\" data-id=\"bf3fcf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong><span class=\"yes\" style=\"color: #207a3d;\">You<\/span>\u00a0\u2014 legally your representative under \u00a7 34d GewO<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81b9b64 elementor-widget elementor-widget-text-editor\" data-id=\"81b9b64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Their employer, the insurance company<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4bc370 elementor-widget elementor-widget-text-editor\" data-id=\"e4bc370\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Its own platform and advertising partners<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e174f0 elementor-widget elementor-widget-text-editor\" data-id=\"5e174f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Insurers compared<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d4475f elementor-widget elementor-widget-text-editor\" data-id=\"3d4475f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #207a3d;\"><strong>100+ across the market<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c08ac5 elementor-widget elementor-widget-text-editor\" data-id=\"9c08ac5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Usually one company&#8217;s product range<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dd5873 elementor-widget elementor-widget-text-editor\" data-id=\"9dd5873\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Only insurers who pay to be listed<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d265658 elementor-widget elementor-widget-text-editor\" data-id=\"d265658\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Advice<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-404e10f elementor-widget elementor-widget-text-editor\" data-id=\"404e10f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong><span class=\"yes\" style=\"color: #207a3d;\">Personal<\/span>, based on your situation and paperwork<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d6bca2 elementor-widget elementor-widget-text-editor\" data-id=\"1d6bca2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Personal, but limited to what they&#8217;re allowed to sell<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1e78d1 elementor-widget elementor-widget-text-editor\" data-id=\"d1e78d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A form, not a conversation<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1324c1 elementor-widget elementor-widget-text-editor\" data-id=\"e1324c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your contact<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17d0b05 elementor-widget elementor-widget-text-editor\" data-id=\"17d0b05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong><span style=\"color: #207a3d;\">Same person, year after year<\/span><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-431d10a elementor-widget elementor-widget-text-editor\" data-id=\"431d10a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Changes when territories or jobs change<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5cf240 elementor-widget elementor-widget-text-editor\" data-id=\"e5cf240\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Call centre, different person each time<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-817aeac elementor-widget elementor-widget-text-editor\" data-id=\"817aeac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you need to claim<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e5484f elementor-widget elementor-widget-text-editor\" data-id=\"0e5484f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong><span class=\"yes\" style=\"color: #207a3d;\">I handle the communication<\/span>\u00a0with the insurer for you<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-216631a elementor-widget elementor-widget-text-editor\" data-id=\"216631a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Passed on to the insurer&#8217;s claims department<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2269c71 elementor-widget elementor-widget-text-editor\" data-id=\"2269c71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You&#8217;re on your own<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91dd74e elementor-widget elementor-widget-text-editor\" data-id=\"91dd74e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Liable for the advice given<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-082c91a elementor-widget elementor-widget-text-editor\" data-id=\"082c91a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong><span style=\"color: #207a3d;\">The broker<\/span><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49151a2 elementor-widget elementor-widget-text-editor\" data-id=\"49151a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The insurance company<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c0dc79 elementor-widget elementor-widget-text-editor\" data-id=\"5c0dc79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Effectively none \u2014 it&#8217;s a comparison tool, not advice<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-527278e elementor-widget elementor-widget-text-editor\" data-id=\"527278e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>What it costs you<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85ad0ee elementor-widget elementor-widget-text-editor\" data-id=\"85ad0ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong><span class=\"yes\" style=\"color: #207a3d;\">Nothing<\/span>\u00a0\u2014 paid via commission already built into the premium<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e54acd elementor-widget elementor-widget-text-editor\" data-id=\"6e54acd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"yes\">Nothing<\/span>\u00a0\u2014 paid via commission already built into the premium<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-819e3e9 elementor-widget elementor-widget-text-editor\" data-id=\"819e3e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nothing \u2014 paid via commission already built into the premium<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9edb81a e-grid e-con-full e-con e-child\" data-id=\"9edb81a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-193d1f0 e-con-full e-flex e-con e-child\" data-id=\"193d1f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e65ebd9 elementor-widget elementor-widget-heading\" data-id=\"e65ebd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">So why not just use Check24?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ead6e4d elementor-widget elementor-widget-text-editor\" data-id=\"ead6e4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div><p>Comparison portals are fine for shopping a single, simple product like car insurance, where price is most of the story. They&#8217;re a poor fit for anything with real small print \u2014 private health insurance, income protection, legal cover \u2014 because the site can&#8217;t read the wording for you, doesn&#8217;t know your\u00a0<span lang=\"de\">Vorerkrankungen<\/span> or your visa status, and won&#8217;t be there in three years when your situation changes. A broker will.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b05697 e-con-full e-flex e-con e-child\" data-id=\"6b05697\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fbc81e elementor-widget elementor-widget-heading\" data-id=\"4fbc81e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How I'm paid, in plain terms<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aaee17d elementor-widget elementor-widget-text-editor\" data-id=\"aaee17d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div><section id=\"difference\" aria-labelledby=\"h-diff\"><div class=\"wrap\"><div class=\"grid g2\"><div><p>As an independent broker licensed under \u00a7 34d GewO, I&#8217;m paid via commission that insurers already build into your premium \u2014 whether you buy through a broker, directly, or through a portal. Using a broker doesn&#8217;t cost you anything extra, and the premium doesn&#8217;t change.<\/p><\/div><\/div><\/div><\/section><\/div><div>\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0326511 e-flex e-con-boxed e-con e-parent\" data-id=\"0326511\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c61f220 elementor-widget elementor-widget-menu-anchor\" data-id=\"c61f220\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Services\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe23acb elementor-widget elementor-widget-heading\" data-id=\"fe23acb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">What we cover<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b7a5be elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1b7a5be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What we advise on<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25b2939 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"25b2939\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><p class=\"lead\">Six areas, each compared across the market rather than sold from one shelf. If you&#8217;re not sure which one applies to you, that&#8217;s what the free call is for.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d4e3c6a e-grid e-con-full e-con e-child\" data-id=\"d4e3c6a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f81015c e-con-full e-flex e-con e-child\" data-id=\"f81015c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-006f216 elementor-widget elementor-widget-html\" data-id=\"006f216\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\n  \n     ============================================================ -->\n\n<style>\n.igs-health{\n  --graphic-size:150px;\n  --igs-accent:#F5A015;\n  --igs-accent-dark:#D88A0A;\n  --igs-accent-light:#FCEBD1;\n  --igs-ink:#2D2D2D;\n  --igs-teal:#1D9E75;\n  --igs-skin:#FFF6E6;\n  --igs-cream:#FFFCF6;\n\n  width:var(--graphic-size);\n  aspect-ratio:4\/3;\n  flex:0 0 auto;\n  display:block;\n  line-height:0;\n  max-width:100%;\n}\n.igs-health svg{width:100%;height:100%;display:block;overflow:visible}\n\n\/* 1 \u2014 panel breath *\/\n.igs-health .igsh-panel{\n  transform-origin:114px 96px;\n  animation:igshBreathe 7s ease-in-out infinite;\n}\n@keyframes igshBreathe{\n  0%,100%{transform:scale(1)}\n  50%    {transform:scale(1.012)}\n}\n\n\/* 2 \u2014 shield outline draws itself, then holds *\/\n.igs-health .igsh-shield-line{\n  fill:none;\n  stroke:var(--igs-ink);\n  stroke-width:3.4;\n  stroke-linejoin:round;\n  stroke-dasharray:230;\n  animation:igshDraw 7s ease-in-out infinite;\n}\n@keyframes igshDraw{\n  0%  {stroke-dashoffset:230}\n  26% {stroke-dashoffset:0}\n  100%{stroke-dashoffset:0}\n}\n.igs-health .igsh-shield-fill{\n  fill:var(--igs-cream);\n  opacity:0;\n  animation:igshFade 7s ease-out infinite;\n}\n@keyframes igshFade{\n  0%,14%{opacity:0}\n  32%   {opacity:1}\n  100%  {opacity:1}\n}\n.igs-health .igsh-shield-band{\n  fill:var(--igs-accent-light);\n  opacity:0;\n  animation:igshFade 7s ease-out infinite .2s;\n}\n\n\/* 3 \u2014 medical cross pulses like a slow heartbeat *\/\n.igs-health .igsh-cross{\n  fill:var(--igs-accent);\n  transform-origin:114px 92px;\n  animation:igshCross 7s cubic-bezier(.34,1.5,.64,1) infinite;\n}\n@keyframes igshCross{\n  0%,30%{transform:scale(0);opacity:0}\n  42%   {transform:scale(1.15);opacity:1}\n  48%   {transform:scale(1)}\n  66%   {transform:scale(1.09)}\n  74%   {transform:scale(1)}\n  100%  {transform:scale(1);opacity:1}\n}\n.igs-health .igsh-cross-glow{\n  fill:var(--igs-accent);\n  opacity:0;\n  transform-origin:114px 92px;\n  animation:igshCrossGlow 7s ease-out infinite;\n}\n@keyframes igshCrossGlow{\n  0%,58%{transform:scale(.5);opacity:0}\n  66%   {opacity:.22}\n  84%   {transform:scale(1.5);opacity:0}\n  100%  {transform:scale(1.5);opacity:0}\n}\n\n\/* 4 \u2014 pathogen: slow orbit, spikes breathing, kept outside the shield *\/\n.igs-health .igsh-germ{\n  transform-origin:56px 92px;\n  animation:igshOrbit 14s linear infinite;\n}\n@keyframes igshOrbit{to{transform:rotate(360deg)}}\n.igs-health .igsh-germ-core{\n  transform-origin:56px 92px;\n  animation:igshGermPulse 3.2s ease-in-out infinite;\n}\n@keyframes igshGermPulse{\n  0%,100%{transform:scale(1)}\n  50%    {transform:scale(1.09)}\n}\n.igs-health .igsh-germ-spike{\n  animation:igshSpike 3.2s ease-in-out infinite;\n}\n@keyframes igshSpike{\n  0%,100%{opacity:.55}\n  50%    {opacity:1}\n}\n\n\/* 5 \u2014 ECG trace: a light comet running along the baseline *\/\n.igs-health .igsh-ecg-rail{\n  fill:none;\n  stroke:var(--igs-accent-dark);\n  stroke-width:2.4;\n  stroke-linecap:round;\n  stroke-linejoin:round;\n  opacity:.25;\n}\n.igs-health .igsh-ecg-run{\n  fill:none;\n  stroke:var(--igs-accent);\n  stroke-width:3;\n  stroke-linecap:round;\n  stroke-linejoin:round;\n  stroke-dasharray:30 400;\n  animation:igshEcg 3.4s linear infinite;\n}\n@keyframes igshEcg{\n  0%  {stroke-dashoffset:30;opacity:0}\n  6%  {opacity:1}\n  88% {opacity:1}\n  100%{stroke-dashoffset:-235;opacity:0}\n}\n\n\/* 6 \u2014 treatment markers rising and fading *\/\n.igs-health .igsh-mark{\n  fill:var(--igs-teal);\n  opacity:0;\n  animation:igshMark 4.2s ease-out infinite;\n}\n.igs-health .igsh-mark-1{animation-delay:0s}\n.igs-health .igsh-mark-2{animation-delay:1.4s}\n.igs-health .igsh-mark-3{animation-delay:2.8s}\n@keyframes igshMark{\n  0%  {transform:translateY(8px) scale(.5);opacity:0}\n  22% {opacity:.9}\n  70% {opacity:.55}\n  100%{transform:translateY(-26px) scale(1);opacity:0}\n}\n\n\/* 7 \u2014 advisor idle bob *\/\n.igs-health .igsh-fig{\n  animation:igshBob 5.4s ease-in-out infinite;\n}\n@keyframes igshBob{\n  0%,100%{transform:translateY(0)}\n  50%    {transform:translateY(-3.5px)}\n}\n\n@media(prefers-reduced-motion:reduce){\n  .igs-health *{animation:none!important}\n  .igs-health .igsh-shield-line{stroke-dashoffset:0}\n  .igs-health .igsh-shield-fill,\n  .igs-health .igsh-shield-band{opacity:1}\n  .igs-health .igsh-cross{opacity:1}\n  .igs-health .igsh-ecg-run{opacity:0}\n}\n<\/style>\n\n<div class=\"igs-health\" role=\"img\" aria-label=\"Illustration of an insurance advisor beside a screen showing a protected medical shield, a heartbeat trace and a pathogen held outside the shield\">\n  <svg viewBox=\"0 0 320 240\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\n    <!-- ground shadow -->\n    <ellipse cx=\"160\" cy=\"216\" rx=\"120\" ry=\"8\" fill=\"#2D2D2D\" opacity=\".07\"\/>\n\n    <!-- ===== screen panel ===== -->\n    <g class=\"igsh-panel\">\n      <rect x=\"18\" y=\"28\" width=\"192\" height=\"136\" rx=\"12\"\n            fill=\"var(--igs-accent-light)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\"\/>\n\n      <!-- pathogen, orbiting slowly on the unprotected side -->\n      <g class=\"igsh-germ\">\n        <g class=\"igsh-germ-spike\" stroke=\"var(--igs-teal)\" stroke-width=\"2.6\" stroke-linecap=\"round\">\n          <path d=\"M56 74v-9\"\/><path d=\"M56 110v9\"\/>\n          <path d=\"M38 92h-9\"\/><path d=\"M74 92h9\"\/>\n          <path d=\"M43.5 79.5l-6.4-6.4\"\/><path d=\"M68.5 104.5l6.4 6.4\"\/>\n          <path d=\"M68.5 79.5l6.4-6.4\"\/><path d=\"M43.5 104.5l-6.4 6.4\"\/>\n        <\/g>\n        <g class=\"igsh-germ-spike\" fill=\"var(--igs-teal)\">\n          <circle cx=\"56\" cy=\"63\" r=\"2.6\"\/><circle cx=\"56\" cy=\"121\" r=\"2.6\"\/>\n          <circle cx=\"27\" cy=\"92\" r=\"2.6\"\/><circle cx=\"85\" cy=\"92\" r=\"2.6\"\/>\n        <\/g>\n        <g class=\"igsh-germ-core\">\n          <circle cx=\"56\" cy=\"92\" r=\"17\" fill=\"var(--igs-teal)\"\/>\n          <circle cx=\"50\" cy=\"87\" r=\"3.4\" fill=\"#0F6E56\"\/>\n          <circle cx=\"61\" cy=\"95\" r=\"4.4\" fill=\"#0F6E56\"\/>\n          <circle cx=\"52\" cy=\"99\" r=\"2.4\" fill=\"#0F6E56\"\/>\n        <\/g>\n      <\/g>\n\n      <!-- protective shield -->\n      <path class=\"igsh-shield-fill\" d=\"M114 44 L152 60 V96 c0 24-16 39-38 48 -22-9-38-24-38-48 V60 Z\"\/>\n      <path class=\"igsh-shield-band\" d=\"M114 44 L152 60 V96 c0 24-16 39-38 48 V44 Z\"\/>\n      <path class=\"igsh-shield-line\" d=\"M114 44 L152 60 V96 c0 24-16 39-38 48 -22-9-38-24-38-48 V60 Z\"\/>\n\n      <!-- medical cross -->\n      <g class=\"igsh-cross-glow\">\n        <rect x=\"106\" y=\"70\" width=\"16\" height=\"44\" rx=\"4\"\/>\n        <rect x=\"92\" y=\"84\" width=\"44\" height=\"16\" rx=\"4\"\/>\n      <\/g>\n      <g class=\"igsh-cross\">\n        <rect x=\"108\" y=\"72\" width=\"12\" height=\"40\" rx=\"3\"\/>\n        <rect x=\"94\" y=\"86\" width=\"40\" height=\"12\" rx=\"3\"\/>\n      <\/g>\n\n      <!-- ECG baseline -->\n      <path class=\"igsh-ecg-rail\" d=\"M32 146h26l7-16 8 30 9-24 7 12h97\"\/>\n      <path class=\"igsh-ecg-run\"  d=\"M32 146h26l7-16 8 30 9-24 7 12h97\"\/>\n\n      <!-- rising treatment markers -->\n      <g class=\"igsh-mark igsh-mark-1\"><rect x=\"166\" y=\"60\" width=\"4\" height=\"12\" rx=\"2\"\/><rect x=\"162\" y=\"64\" width=\"12\" height=\"4\" rx=\"2\"\/><\/g>\n      <g class=\"igsh-mark igsh-mark-2\"><rect x=\"182\" y=\"88\" width=\"4\" height=\"12\" rx=\"2\"\/><rect x=\"178\" y=\"92\" width=\"12\" height=\"4\" rx=\"2\"\/><\/g>\n      <g class=\"igsh-mark igsh-mark-3\"><rect x=\"172\" y=\"112\" width=\"4\" height=\"12\" rx=\"2\"\/><rect x=\"168\" y=\"116\" width=\"12\" height=\"4\" rx=\"2\"\/><\/g>\n    <\/g>\n\n    <!-- laptop base -->\n    <rect x=\"8\" y=\"164\" width=\"212\" height=\"14\" rx=\"7\" fill=\"var(--igs-ink)\"\/>\n    <rect x=\"96\" y=\"167\" width=\"36\" height=\"4\" rx=\"2\" fill=\"#FFFFFF\" opacity=\".35\"\/>\n\n    <!-- ===== advisor ===== -->\n    <g class=\"igsh-fig\">\n      <!-- hair, behind -->\n      <path d=\"M231 108 C231 76 244 60 259 60 C276 60 290 76 290 106 C290 126 284 143 277 152 L241 152 C234 141 231 126 231 108 Z\" fill=\"var(--igs-ink)\"\/>\n      <!-- neck -->\n      <rect x=\"252\" y=\"118\" width=\"14\" height=\"38\" rx=\"6\" fill=\"var(--igs-skin)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n      <!-- coat -->\n      <path d=\"M226 202 C230 166 242 150 259 150 C276 150 288 166 292 202 Z\" fill=\"#FFFFFF\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n      <!-- shirt wedge -->\n      <path d=\"M251 151 L259 168 L267 151 L263 148 L255 148 Z\" fill=\"var(--igs-teal)\"\/>\n      <!-- clipboard -->\n      <rect x=\"272\" y=\"168\" width=\"26\" height=\"30\" rx=\"4\" fill=\"var(--igs-accent)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n      <rect x=\"281\" y=\"164\" width=\"9\" height=\"7\" rx=\"2\" fill=\"var(--igs-ink)\"\/>\n      <!-- face -->\n      <circle cx=\"259\" cy=\"106\" r=\"21\" fill=\"var(--igs-skin)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n      <!-- hair, front sweep -->\n      <path d=\"M237 101 C239 78 249 65 261 65 C273 65 281 73 284 84 C274 79 262 82 254 90 C248 96 241 97 237 101 Z\" fill=\"var(--igs-ink)\"\/>\n      <!-- pointing arm towards the shield -->\n      <path d=\"M234 176 C220 168 210 156 204 146\" fill=\"none\" stroke=\"#FFFFFF\" stroke-width=\"14\" stroke-linecap=\"round\"\/>\n      <path d=\"M234 176 C220 168 210 156 204 146\" fill=\"none\" stroke=\"var(--igs-ink)\" stroke-width=\"3\" stroke-linecap=\"round\" opacity=\".18\"\/>\n      <circle cx=\"202\" cy=\"143\" r=\"8\" fill=\"var(--igs-skin)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n    <\/g>\n  <\/svg>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3237ac elementor-widget elementor-widget-heading\" data-id=\"a3237ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Health insurance in Germany for expats<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-968f9ba elementor-widget elementor-widget-text-editor\" data-id=\"968f9ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Public or private, top-up cover, dental &#8211; the decision that shapes your monthly budget more than any other. We compare providers on what they actually pay out, not just the entry premium.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bf2655 elementor-widget elementor-widget-button\" data-id=\"1bf2655\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/insure-germany.com\/services\/health-insurance-germany-expats\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c54994e e-con-full e-flex e-con e-child\" data-id=\"c54994e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ea42c5 elementor-widget elementor-widget-html\" data-id=\"2ea42c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\n     insure-Germany \u00b7 Illustrated motion scene 2 of 3\n     \"Private pension plans in Germany\"\n     ------------------------------------------------------------\n     Scene: a plant grows out of a pot while contributions drop in\n     and a stack of savings builds beside it. No laptop, no figure \u2014\n     this one is a growth scene, so it reads differently from the\n     health card.\n     8 layered animations: stem draws itself, four leaves unfold in\n     sequence, contributions fall into the pot, impact dust, the\n     savings stack builds coin by coin, a slow dashed sun ring,\n     rising value markers, ground shadow settle.\n     ------------------------------------------------------------\n     Paste into an Elementor HTML widget.\n     Size:  set --graphic-size on this element or any parent, e.g.\n            .my-card{--graphic-size:260px}  or  {--graphic-size:100%}\n            Height follows a fixed 4:3 ratio, so resizing never\n            shifts the surrounding layout.\n     ============================================================ -->\n\n<style>\n.igs-pension{\n  --graphic-size:150px;\n  --igs-accent:#F5A015;\n  --igs-accent-dark:#D88A0A;\n  --igs-accent-light:#FCEBD1;\n  --igs-ink:#2D2D2D;\n  --igs-teal:#1D9E75;\n  --igs-teal-dark:#0F6E56;\n  --igs-cream:#FFFCF6;\n\n  width:var(--graphic-size);\n  aspect-ratio:4\/3;\n  flex:0 0 auto;\n  display:block;\n  line-height:0;\n  max-width:100%;\n}\n.igs-pension svg{width:100%;height:100%;display:block;overflow:visible}\n\n\/* 1 \u2014 slow dashed sun ring behind the scene *\/\n.igs-pension .igsp-sun{\n  transform-origin:74px 62px;\n  animation:igspSpin 40s linear infinite;\n}\n@keyframes igspSpin{to{transform:rotate(360deg)}}\n.igs-pension .igsp-sun-core{\n  transform-origin:74px 62px;\n  animation:igspSunPulse 6s ease-in-out infinite;\n}\n@keyframes igspSunPulse{\n  0%,100%{transform:scale(1);opacity:.9}\n  50%    {transform:scale(1.07);opacity:1}\n}\n\n\/* 2 \u2014 the stem draws itself upward *\/\n.igs-pension .igsp-stem{\n  fill:none;\n  stroke:var(--igs-teal-dark);\n  stroke-width:5;\n  stroke-linecap:round;\n  stroke-dasharray:120;\n  animation:igspStem 9s cubic-bezier(.33,1,.68,1) infinite;\n}\n@keyframes igspStem{\n  0%  {stroke-dashoffset:120}\n  30% {stroke-dashoffset:0}\n  92% {stroke-dashoffset:0}\n  100%{stroke-dashoffset:120}\n}\n\n\/* 3 \u2014 leaves unfold one after another *\/\n.igs-pension .igsp-leaf{\n  transform-origin:left center;\n  transform-box:fill-box;\n  animation:igspLeaf 9s cubic-bezier(.34,1.5,.64,1) infinite;\n}\n.igs-pension .igsp-leaf-1{animation-delay:1.3s}\n.igs-pension .igsp-leaf-2{animation-delay:1.9s}\n.igs-pension .igsp-leaf-3{animation-delay:2.5s}\n.igs-pension .igsp-leaf-4{animation-delay:3.1s}\n@keyframes igspLeaf{\n  0%  {transform:scale(0);opacity:0}\n  8%  {transform:scale(1.12);opacity:1}\n  12% {transform:scale(1)}\n  92% {transform:scale(1);opacity:1}\n  100%{transform:scale(0);opacity:0}\n}\n\n\/* gentle leaf breathing once grown *\/\n.igs-pension .igsp-crown{\n  transform-origin:132px 150px;\n  animation:igspBreeze 5.2s ease-in-out infinite;\n}\n@keyframes igspBreeze{\n  0%,100%{transform:rotate(-1.8deg)}\n  50%    {transform:rotate(1.8deg)}\n}\n\n\/* 4 \u2014 contributions fall into the pot *\/\n.igs-pension .igsp-coin{\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igspCoin 3s cubic-bezier(.55,.06,.68,.19) infinite;\n}\n.igs-pension .igsp-coin-2{animation-delay:1.5s}\n@keyframes igspCoin{\n  0%  {transform:translateY(-70px) rotate(-24deg);opacity:0}\n  12% {opacity:1}\n  58% {transform:translateY(0) rotate(0);opacity:1}\n  66% {transform:translateY(-8px) rotate(8deg)}\n  80% {transform:translateY(0) rotate(0);opacity:.5}\n  100%{transform:translateY(0) rotate(0);opacity:0}\n}\n\n\/* 5 \u2014 dust on landing *\/\n.igs-pension .igsp-dust{\n  fill:none;\n  stroke:var(--igs-accent-dark);\n  stroke-width:2;\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igspDust 3s ease-out infinite;\n}\n@keyframes igspDust{\n  0%,54%{transform:scale(.35);opacity:0}\n  62%   {opacity:.5}\n  82%   {transform:scale(1.7);opacity:0}\n  100%  {transform:scale(1.7);opacity:0}\n}\n\n\/* 6 \u2014 the savings stack builds coin by coin *\/\n.igs-pension .igsp-stack{\n  transform-origin:center bottom;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igspStack 9s cubic-bezier(.34,1.5,.64,1) infinite;\n}\n.igs-pension .igsp-stack-1{animation-delay:.6s}\n.igs-pension .igsp-stack-2{animation-delay:1.5s}\n.igs-pension .igsp-stack-3{animation-delay:2.4s}\n.igs-pension .igsp-stack-4{animation-delay:3.3s}\n@keyframes igspStack{\n  0%  {transform:translateY(-14px) scaleY(.6);opacity:0}\n  7%  {transform:translateY(0) scaleY(1.12);opacity:1}\n  11% {transform:translateY(0) scaleY(1)}\n  92% {transform:translateY(0) scaleY(1);opacity:1}\n  100%{transform:translateY(-14px) scaleY(.6);opacity:0}\n}\n\n\/* 7 \u2014 rising value markers *\/\n.igs-pension .igsp-mark{\n  fill:var(--igs-accent-dark);\n  opacity:0;\n  animation:igspMark 4.4s ease-out infinite;\n}\n.igs-pension .igsp-mark-1{animation-delay:.4s}\n.igs-pension .igsp-mark-2{animation-delay:1.8s}\n.igs-pension .igsp-mark-3{animation-delay:3.2s}\n@keyframes igspMark{\n  0%  {transform:translateY(10px) scale(.4);opacity:0}\n  24% {opacity:.9}\n  70% {opacity:.5}\n  100%{transform:translateY(-30px) scale(1);opacity:0}\n}\n\n\/* 8 \u2014 shadow settles with the growth *\/\n.igs-pension .igsp-shadow{\n  transform-origin:center;\n  transform-box:fill-box;\n  animation:igspShadow 9s ease-in-out infinite;\n}\n@keyframes igspShadow{\n  0%  {transform:scaleX(.7);opacity:.05}\n  30% {transform:scaleX(1);opacity:.09}\n  92% {transform:scaleX(1);opacity:.09}\n  100%{transform:scaleX(.7);opacity:.05}\n}\n\n@media(prefers-reduced-motion:reduce){\n  .igs-pension *{animation:none!important}\n  .igs-pension .igsp-stem{stroke-dashoffset:0}\n  .igs-pension .igsp-leaf,\n  .igs-pension .igsp-stack,\n  .igs-pension .igsp-coin{opacity:1}\n}\n<\/style>\n\n<div class=\"igs-pension\" role=\"img\" aria-label=\"Illustration of a plant growing from a pot while contributions drop in and a stack of savings builds beside it, representing a private pension growing over time\">\n  <svg viewBox=\"0 0 320 240\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\n    <!-- sun ring -->\n    <g class=\"igsp-sun\">\n      <circle cx=\"74\" cy=\"62\" r=\"30\" fill=\"none\" stroke=\"var(--igs-accent)\"\n              stroke-width=\"2.4\" stroke-dasharray=\"7 9\" opacity=\".45\"\/>\n    <\/g>\n    <circle class=\"igsp-sun-core\" cx=\"74\" cy=\"62\" r=\"16\" fill=\"var(--igs-accent-light)\"\/>\n\n    <!-- ground -->\n    <ellipse class=\"igsp-shadow\" cx=\"140\" cy=\"212\" rx=\"86\" ry=\"9\" fill=\"var(--igs-ink)\" opacity=\".09\"\/>\n    <line x1=\"26\" y1=\"206\" x2=\"294\" y2=\"206\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\" stroke-linecap=\"round\"\/>\n\n    <!-- rising value markers -->\n    <g class=\"igsp-mark igsp-mark-1\"><rect x=\"188\" y=\"92\" width=\"4.5\" height=\"14\" rx=\"2.2\"\/><rect x=\"183\" y=\"97\" width=\"14\" height=\"4.5\" rx=\"2.2\"\/><\/g>\n    <g class=\"igsp-mark igsp-mark-2\"><rect x=\"206\" y=\"72\" width=\"4.5\" height=\"14\" rx=\"2.2\"\/><rect x=\"201\" y=\"77\" width=\"14\" height=\"4.5\" rx=\"2.2\"\/><\/g>\n    <g class=\"igsp-mark igsp-mark-3\"><rect x=\"176\" y=\"62\" width=\"4.5\" height=\"14\" rx=\"2.2\"\/><rect x=\"171\" y=\"67\" width=\"14\" height=\"4.5\" rx=\"2.2\"\/><\/g>\n\n    <!-- ===== the plant ===== -->\n    <g class=\"igsp-crown\">\n      <path class=\"igsp-stem\" d=\"M132 150 C132 122 126 104 120 84\"\/>\n\n      <!-- leaf 1: lower left -->\n      <g transform=\"translate(130,140) rotate(202)\">\n        <path class=\"igsp-leaf igsp-leaf-1\"\n              d=\"M0 0 C10 -13 26 -14 34 -5 C26 7 10 8 0 0 Z\"\n              fill=\"var(--igs-teal)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\" stroke-linejoin=\"round\"\/>\n      <\/g>\n      <!-- leaf 2: lower right -->\n      <g transform=\"translate(129,124) rotate(-24)\">\n        <path class=\"igsp-leaf igsp-leaf-2\"\n              d=\"M0 0 C10 -13 26 -14 34 -5 C26 7 10 8 0 0 Z\"\n              fill=\"var(--igs-teal-dark)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\" stroke-linejoin=\"round\"\/>\n      <\/g>\n      <!-- leaf 3: upper left -->\n      <g transform=\"translate(124,106) rotate(214)\">\n        <path class=\"igsp-leaf igsp-leaf-3\"\n              d=\"M0 0 C8 -11 22 -12 29 -4 C22 6 8 7 0 0 Z\"\n              fill=\"var(--igs-teal)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\" stroke-linejoin=\"round\"\/>\n      <\/g>\n      <!-- leaf 4: crown -->\n      <g transform=\"translate(120,86) rotate(-66)\">\n        <path class=\"igsp-leaf igsp-leaf-4\"\n              d=\"M0 0 C8 -11 22 -12 29 -4 C22 6 8 7 0 0 Z\"\n              fill=\"var(--igs-teal-dark)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\" stroke-linejoin=\"round\"\/>\n      <\/g>\n    <\/g>\n\n    <!-- ===== pot ===== -->\n    <path d=\"M106 162 h56 l-8 44 h-40 Z\"\n          fill=\"var(--igs-accent-dark)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\" stroke-linejoin=\"round\"\/>\n    <rect x=\"100\" y=\"152\" width=\"68\" height=\"14\" rx=\"6\"\n          fill=\"var(--igs-accent)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\"\/>\n    <path d=\"M120 178 h28\" stroke=\"var(--igs-ink)\" stroke-width=\"3\" stroke-linecap=\"round\" opacity=\".35\"\/>\n\n    <!-- contributions dropping in -->\n    <g class=\"igsp-coin igsp-coin-1\">\n      <circle cx=\"134\" cy=\"146\" r=\"10\" fill=\"var(--igs-accent)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n      <path d=\"M130 146h8\" stroke=\"var(--igs-ink)\" stroke-width=\"2.6\" stroke-linecap=\"round\"\/>\n      <path d=\"M134 142v8\" stroke=\"var(--igs-ink)\" stroke-width=\"2.6\" stroke-linecap=\"round\"\/>\n    <\/g>\n    <g class=\"igsp-coin igsp-coin-2\">\n      <circle cx=\"150\" cy=\"148\" r=\"8\" fill=\"var(--igs-cream)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n      <path d=\"M146 148h8\" stroke=\"var(--igs-ink)\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/>\n    <\/g>\n    <circle class=\"igsp-dust\" cx=\"134\" cy=\"148\" r=\"14\"\/>\n\n    <!-- ===== savings stack ===== -->\n    <g class=\"igsp-stack igsp-stack-1\">\n      <ellipse cx=\"234\" cy=\"198\" rx=\"26\" ry=\"9\" fill=\"var(--igs-accent-light)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n    <\/g>\n    <g class=\"igsp-stack igsp-stack-2\">\n      <ellipse cx=\"234\" cy=\"182\" rx=\"26\" ry=\"9\" fill=\"var(--igs-accent)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n    <\/g>\n    <g class=\"igsp-stack igsp-stack-3\">\n      <ellipse cx=\"234\" cy=\"166\" rx=\"26\" ry=\"9\" fill=\"var(--igs-accent-dark)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n    <\/g>\n    <g class=\"igsp-stack igsp-stack-4\">\n      <ellipse cx=\"234\" cy=\"150\" rx=\"26\" ry=\"9\" fill=\"var(--igs-accent)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n      <path d=\"M228 150h12\" stroke=\"var(--igs-ink)\" stroke-width=\"2.6\" stroke-linecap=\"round\"\/>\n    <\/g>\n  <\/svg>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1d989a elementor-widget elementor-widget-heading\" data-id=\"e1d989a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Private pension plans in Germany<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce140ae elementor-widget elementor-widget-text-editor\" data-id=\"ce140ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The state pension alone won&#8217;t be enough, and it gets complicated if you ever leave Germany. R\u00fcrup, company pensions and private plans compared side by side, in numbers you can actually check.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8870854 elementor-widget elementor-widget-button\" data-id=\"8870854\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/insure-germany.com\/services\/private-pension-germany\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a70241e e-con-full e-flex e-con e-child\" data-id=\"a70241e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5e244f elementor-widget elementor-widget-html\" data-id=\"d5e244f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\n   \n   \n     ============================================================ -->\n\n<style>\n.igs-liab{\n  --graphic-size:150px;\n  --igs-accent:#F5A015;\n  --igs-accent-dark:#D88A0A;\n  --igs-accent-light:#FCEBD1;\n  --igs-ink:#2D2D2D;\n  --igs-teal:#1D9E75;\n  --igs-cream:#FFFCF6;\n\n  width:var(--graphic-size);\n  aspect-ratio:4\/3;\n  flex:0 0 auto;\n  display:block;\n  line-height:0;\n  max-width:100%;\n}\n.igs-liab svg{width:100%;height:100%;display:block;overflow:visible}\n\n\/* 1 \u2014 canopy breathes, then flexes when something lands on it *\/\n.igs-liab .igsl-canopy{\n  transform-origin:160px 150px;\n  animation:igsl-flex 5s ease-in-out infinite;\n}\n@keyframes igsl-flex{\n  0%    {transform:rotate(-1.1deg) scaleY(1)}\n  20%   {transform:rotate(-1.1deg) scaleY(1)}\n  26%   {transform:rotate(0deg) scaleY(.955)}   \/* impact 1 *\/\n  33%   {transform:rotate(.5deg) scaleY(1.025)}\n  50%   {transform:rotate(1.1deg) scaleY(1)}\n  66%   {transform:rotate(.4deg) scaleY(.965)}  \/* impact 2 *\/\n  73%   {transform:rotate(-.4deg) scaleY(1.02)}\n  100%  {transform:rotate(-1.1deg) scaleY(1)}\n}\n\n\/* 2 \u2014 accident one: falls, bounces off, slides away right *\/\n.igs-liab .igsl-drop-1{\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igsl-fall1 5s cubic-bezier(.55,.06,.68,.19) infinite;\n}\n@keyframes igsl-fall1{\n  0%  {transform:translate(0,-58px) rotate(-34deg);opacity:0}\n  8%  {opacity:1}\n  24% {transform:translate(0,0) rotate(0deg);opacity:1}\n  30% {transform:translate(11px,-11px) rotate(26deg)}\n  52% {transform:translate(52px,32px) rotate(92deg);opacity:1}\n  66% {transform:translate(80px,78px) rotate(140deg);opacity:0}\n  100%{transform:translate(80px,78px) rotate(140deg);opacity:0}\n}\n\n\/* 3 \u2014 accident two: mirrored, offset in time *\/\n.igs-liab .igsl-drop-2{\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igsl-fall2 5s cubic-bezier(.55,.06,.68,.19) infinite;\n}\n@keyframes igsl-fall2{\n  0%,40%{transform:translate(0,-56px) rotate(22deg);opacity:0}\n  48%   {opacity:1}\n  64%   {transform:translate(0,0) rotate(0deg);opacity:1}\n  70%   {transform:translate(-10px,-10px) rotate(-22deg)}\n  90%   {transform:translate(-48px,30px) rotate(-84deg);opacity:1}\n  100%  {transform:translate(-72px,72px) rotate(-128deg);opacity:0}\n}\n\n\/* 4 \u2014 white flash along the canopy skin at each impact *\/\n.igs-liab .igsl-flash{\n  fill:none;\n  stroke:#FFFFFF;\n  stroke-width:5.5;\n  stroke-linecap:round;\n  opacity:0;\n  animation:igsl-flash 5s ease-out infinite;\n}\n@keyframes igsl-flash{\n  0%,22%{opacity:0}\n  26%   {opacity:.85}\n  36%   {opacity:0}\n  62%   {opacity:0}\n  66%   {opacity:.7}\n  76%   {opacity:0}\n  100%  {opacity:0}\n}\n\n\/* 5 \u2014 ripples at the two impact points *\/\n.igs-liab .igsl-ring{\n  fill:none;\n  stroke:var(--igs-accent-dark);\n  stroke-width:2.4;\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n}\n.igs-liab .igsl-ring-a1{animation:igsl-ring1 5s ease-out infinite}\n.igs-liab .igsl-ring-a2{animation:igsl-ring1 5s ease-out infinite .14s}\n@keyframes igsl-ring1{\n  0%,22%{transform:scale(.35);opacity:0}\n  28%   {opacity:.55}\n  48%   {transform:scale(2);opacity:0}\n  100%  {transform:scale(2);opacity:0}\n}\n.igs-liab .igsl-ring-b1{animation:igsl-ring2 5s ease-out infinite}\n.igs-liab .igsl-ring-b2{animation:igsl-ring2 5s ease-out infinite .14s}\n@keyframes igsl-ring2{\n  0%,62%{transform:scale(.35);opacity:0}\n  68%   {opacity:.5}\n  88%   {transform:scale(2);opacity:0}\n  100%  {transform:scale(2);opacity:0}\n}\n\n\/* 6 \u2014 droplets running down and off the canopy edge *\/\n.igs-liab .igsl-bead{\n  fill:var(--igs-accent);\n  opacity:0;\n  animation:igsl-bead 2.6s ease-in infinite;\n}\n.igs-liab .igsl-bead-1{animation-delay:0s}\n.igs-liab .igsl-bead-2{animation-delay:.65s}\n.igs-liab .igsl-bead-3{animation-delay:1.3s}\n.igs-liab .igsl-bead-4{animation-delay:1.95s}\n@keyframes igsl-bead{\n  0%  {transform:translateY(-10px) scale(.5);opacity:0}\n  18% {opacity:.9}\n  70% {transform:translateY(26px) scale(1);opacity:.9}\n  100%{transform:translateY(48px) scale(.6);opacity:0}\n}\n\n\/* 7 \u2014 the bicycle wheel turns slowly *\/\n.igs-liab .igsl-wheel{\n  transform-origin:238px 176px;\n  animation:igsl-spin 9s linear infinite;\n}\n@keyframes igsl-spin{to{transform:rotate(360deg)}}\n\n\/* 8 \u2014 the home stays lit and calm underneath *\/\n.igs-liab .igsl-window{\n  fill:var(--igs-accent);\n  animation:igsl-window 5s ease-in-out infinite;\n}\n@keyframes igsl-window{\n  0%,100%{opacity:.55}\n  40%    {opacity:1}\n}\n\n@media(prefers-reduced-motion:reduce){\n  .igs-liab *{animation:none!important}\n  .igs-liab .igsl-drop-1,\n  .igs-liab .igsl-drop-2,\n  .igs-liab .igsl-bead{opacity:0}\n  .igs-liab .igsl-window{opacity:1}\n}\n<\/style>\n\n<div class=\"igs-liab\" role=\"img\" aria-label=\"Illustration of a large umbrella canopy sheltering a home and belongings while everyday accidents fall onto it and are deflected off the edges\">\n  <svg viewBox=\"0 0 320 240\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\n    <!-- ground -->\n    <ellipse cx=\"160\" cy=\"216\" rx=\"124\" ry=\"9\" fill=\"var(--igs-ink)\" opacity=\".07\"\/>\n    <line x1=\"24\" y1=\"204\" x2=\"296\" y2=\"204\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\" stroke-linecap=\"round\"\/>\n\n    <!-- ===== canopy ===== -->\n    <g class=\"igsl-canopy\">\n      <!-- skin -->\n      <path d=\"M40 150 C40 68 98 38 160 38 C222 38 280 68 280 150 Z\"\n            fill=\"var(--igs-accent)\" opacity=\".2\"\/>\n      <!-- panel seams -->\n      <g stroke=\"var(--igs-ink)\" stroke-width=\"2.2\" opacity=\".28\" fill=\"none\">\n        <path d=\"M160 38 C132 62 118 104 116 150\"\/>\n        <path d=\"M160 38 C188 62 202 104 204 150\"\/>\n      <\/g>\n      <!-- scalloped hem -->\n      <path d=\"M40 150 q30 20 60 0 q30 20 60 0 q30 20 60 0 q30 20 60 0\"\n            fill=\"var(--igs-accent)\" opacity=\".2\"\/>\n      <path d=\"M40 150 q30 20 60 0 q30 20 60 0 q30 20 60 0 q30 20 60 0\"\n            fill=\"none\" stroke=\"var(--igs-ink)\" stroke-width=\"3.6\" stroke-linejoin=\"round\"\/>\n      <!-- dome outline -->\n      <path d=\"M40 150 C40 68 98 38 160 38 C222 38 280 68 280 150\"\n            fill=\"none\" stroke=\"var(--igs-ink)\" stroke-width=\"3.6\" stroke-linecap=\"round\"\/>\n      <!-- impact highlight -->\n      <path class=\"igsl-flash\" d=\"M54 140 C58 82 106 50 160 50 C214 50 262 82 266 140\"\/>\n      <!-- finial -->\n      <line x1=\"160\" y1=\"38\" x2=\"160\" y2=\"26\" stroke=\"var(--igs-ink)\" stroke-width=\"3.6\" stroke-linecap=\"round\"\/>\n      <circle cx=\"160\" cy=\"23\" r=\"4.4\" fill=\"var(--igs-accent)\" stroke=\"var(--igs-ink)\" stroke-width=\"2.6\"\/>\n\n      <!-- droplets running off the left and right hems -->\n      <circle class=\"igsl-bead igsl-bead-1\" cx=\"52\"  cy=\"156\" r=\"3.4\"\/>\n      <circle class=\"igsl-bead igsl-bead-2\" cx=\"268\" cy=\"156\" r=\"3.4\"\/>\n      <circle class=\"igsl-bead igsl-bead-3\" cx=\"46\"  cy=\"152\" r=\"2.6\"\/>\n      <circle class=\"igsl-bead igsl-bead-4\" cx=\"274\" cy=\"152\" r=\"2.6\"\/>\n    <\/g>\n\n    <!-- handle -->\n    <line x1=\"160\" y1=\"150\" x2=\"160\" y2=\"186\" stroke=\"var(--igs-ink)\" stroke-width=\"5\" stroke-linecap=\"round\"\/>\n    <path d=\"M160 186 q0 14 -13 14 q-13 0 -13 -11\"\n          fill=\"none\" stroke=\"var(--igs-ink)\" stroke-width=\"5\" stroke-linecap=\"round\"\/>\n\n    <!-- ===== what is being protected ===== -->\n    <!-- home -->\n    <rect x=\"62\" y=\"158\" width=\"60\" height=\"46\" rx=\"4\"\n          fill=\"var(--igs-cream)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\"\/>\n    <path d=\"M55 158 L92 132 L129 158 Z\"\n          fill=\"var(--igs-accent-dark)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\" stroke-linejoin=\"round\"\/>\n    <rect class=\"igsl-window\" x=\"72\" y=\"168\" width=\"14\" height=\"14\" rx=\"2.6\"\/>\n    <rect x=\"98\" y=\"176\" width=\"14\" height=\"28\" rx=\"2.6\" fill=\"var(--igs-ink)\"\/>\n\n    <!-- bicycle -->\n    <g class=\"igsl-wheel\">\n      <circle cx=\"238\" cy=\"176\" r=\"20\" fill=\"none\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\"\/>\n      <g stroke=\"var(--igs-ink)\" stroke-width=\"2\" opacity=\".55\">\n        <path d=\"M238 158v36\"\/><path d=\"M220 176h36\"\/>\n        <path d=\"M225.3 163.3l25.4 25.4\"\/><path d=\"M250.7 163.3l-25.4 25.4\"\/>\n      <\/g>\n      <circle cx=\"238\" cy=\"176\" r=\"3.6\" fill=\"var(--igs-ink)\"\/>\n    <\/g>\n    <path d=\"M238 176 L258 196 h-40 Z\" fill=\"var(--igs-teal)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\" stroke-linejoin=\"round\"\/>\n\n    <!-- potted plant -->\n    <path d=\"M262 190 h22 l-3 14 h-16 Z\" fill=\"var(--igs-accent-dark)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\" stroke-linejoin=\"round\"\/>\n    <path d=\"M273 190 C273 178 268 172 264 168\" fill=\"none\" stroke=\"var(--igs-teal)\" stroke-width=\"3.4\" stroke-linecap=\"round\"\/>\n    <path d=\"M273 190 C273 180 279 174 284 172\" fill=\"none\" stroke=\"var(--igs-teal)\" stroke-width=\"3.4\" stroke-linecap=\"round\"\/>\n\n    <!-- ===== accidents raining down ===== -->\n    <!-- impact ripples, left -->\n    <circle class=\"igsl-ring igsl-ring-a1\" cx=\"122\" cy=\"58\" r=\"10\"\/>\n    <circle class=\"igsl-ring igsl-ring-a2\" cx=\"122\" cy=\"58\" r=\"10\"\/>\n    <!-- impact ripples, right -->\n    <circle class=\"igsl-ring igsl-ring-b1\" cx=\"204\" cy=\"60\" r=\"10\"\/>\n    <circle class=\"igsl-ring igsl-ring-b2\" cx=\"204\" cy=\"60\" r=\"10\"\/>\n\n    <!-- accident one: a tipping cup -->\n    <g class=\"igsl-drop-1\">\n      <path d=\"M114 48 h16 l-2 16 a6 6 0 0 1 -12 0 Z\"\n            fill=\"var(--igs-cream)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\" stroke-linejoin=\"round\"\/>\n      <path d=\"M130 52 a5 5 0 0 1 0 8\" fill=\"none\" stroke=\"var(--igs-ink)\" stroke-width=\"2.6\"\/>\n    <\/g>\n\n    <!-- accident two: a dropped phone -->\n    <g class=\"igsl-drop-2\">\n      <rect x=\"197\" y=\"49\" width=\"14\" height=\"22\" rx=\"3.2\"\n            fill=\"var(--igs-teal)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n      <line x1=\"201\" y1=\"67\" x2=\"207\" y2=\"67\" stroke=\"var(--igs-ink)\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/>\n    <\/g>\n  <\/svg>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-372732c elementor-widget elementor-widget-heading\" data-id=\"372732c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Personal liability insurance in Germany<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5cccf8 elementor-widget elementor-widget-text-editor\" data-id=\"e5cccf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"p2\"><em>Haftpflicht is the one policy almost every<\/em><\/p><p class=\"p2\">German household has and almost every expat skips in year one &#8211; until a bike, a rented flat, or a friend&#8217;s phone gets damaged. We find cover with the fewest exclusions, not just the lowest price.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c769a6 elementor-widget elementor-widget-button\" data-id=\"3c769a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/insure-germany.com\/services\/liability-insurance-germany\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc5f32b e-con-full e-flex e-con e-child\" data-id=\"fc5f32b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb54d3a elementor-widget elementor-widget-html\" data-id=\"eb54d3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\n \n     ============================================================ -->\n\n<style>\n.igs-biz{\n  --graphic-size:150px;\n  --igs-accent:#F5A015;\n  --igs-accent-dark:#D88A0A;\n  --igs-accent-light:#FCEBD1;\n  --igs-ink:#2D2D2D;\n  --igs-teal:#1D9E75;\n  --igs-cream:#FFFCF6;\n\n  width:var(--graphic-size);\n  aspect-ratio:4\/3;\n  flex:0 0 auto;\n  display:block;\n  line-height:0;\n  max-width:100%;\n}\n.igs-biz svg{width:100%;height:100%;display:block;overflow:visible}\n\n\/* 1 \u2014 the sheet underneath settles into place *\/\n.igs-biz .igsb-back{\n  transform-origin:center;\n  transform-box:fill-box;\n  animation:igsbSettle 9s ease-in-out infinite;\n}\n@keyframes igsbSettle{\n  0%  {transform:rotate(-1deg) translateY(4px);opacity:.6}\n  16% {transform:rotate(-4deg) translateY(0);opacity:1}\n  92% {transform:rotate(-4deg) translateY(0);opacity:1}\n  100%{transform:rotate(-1deg) translateY(4px);opacity:.6}\n}\n\n\/* 2 \u2014 contract lines write themselves *\/\n.igs-biz .igsb-line{\n  transform-origin:left center;\n  transform-box:fill-box;\n  animation:igsbWrite 9s cubic-bezier(.33,1,.68,1) infinite;\n}\n.igs-biz .igsb-line-1{animation-delay:.5s}\n.igs-biz .igsb-line-2{animation-delay:.75s}\n.igs-biz .igsb-line-3{animation-delay:1s}\n.igs-biz .igsb-line-4{animation-delay:1.25s}\n.igs-biz .igsb-line-5{animation-delay:1.5s}\n@keyframes igsbWrite{\n  0%  {transform:scaleX(0);opacity:0}\n  6%  {transform:scaleX(1);opacity:1}\n  92% {transform:scaleX(1);opacity:1}\n  100%{transform:scaleX(0);opacity:0}\n}\n\n\/* 3 \u2014 signature draws itself *\/\n.igs-biz .igsb-sign{\n  fill:none;\n  stroke:var(--igs-ink);\n  stroke-width:2.6;\n  stroke-linecap:round;\n  stroke-dasharray:72;\n  animation:igsbSign 9s ease-in-out infinite;\n}\n@keyframes igsbSign{\n  0%,22%{stroke-dashoffset:72}\n  34%   {stroke-dashoffset:0}\n  92%   {stroke-dashoffset:0;opacity:1}\n  100%  {stroke-dashoffset:0;opacity:0}\n}\n\n\/* 4 \u2014 the stamp comes down, presses, lifts away *\/\n.igs-biz .igsb-stamp{\n  animation:igsbStamp 9s cubic-bezier(.5,0,.5,1) infinite;\n}\n@keyframes igsbStamp{\n  0%,36%{transform:translateY(-92px);opacity:0}\n  40%   {opacity:1}\n  50%   {transform:translateY(0);opacity:1}\n  55%   {transform:translateY(3px)}\n  62%   {transform:translateY(-14px)}\n  74%   {transform:translateY(-92px);opacity:0}\n  100%  {transform:translateY(-92px);opacity:0}\n}\n\n\/* 5 \u2014 ripple at the moment of impact *\/\n.igs-biz .igsb-ripple{\n  fill:none;\n  stroke:var(--igs-accent-dark);\n  stroke-width:2.4;\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igsbRipple 9s ease-out infinite;\n}\n.igs-biz .igsb-ripple-2{animation-delay:.12s}\n@keyframes igsbRipple{\n  0%,50%{transform:scale(.4);opacity:0}\n  55%   {opacity:.55}\n  70%   {transform:scale(1.8);opacity:0}\n  100%  {transform:scale(1.8);opacity:0}\n}\n\n\/* 6 \u2014 the printed seal stays behind *\/\n.igs-biz .igsb-seal{\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igsbSeal 9s cubic-bezier(.34,1.5,.64,1) infinite;\n}\n@keyframes igsbSeal{\n  0%,50%{transform:scale(.7);opacity:0}\n  58%   {transform:scale(1.1);opacity:1}\n  64%   {transform:scale(1)}\n  92%   {transform:scale(1);opacity:1}\n  100%  {transform:scale(.7);opacity:0}\n}\n.igs-biz .igsb-seal-ring{\n  transform-origin:176px 152px;\n  animation:igsbSealSpin 26s linear infinite;\n}\n@keyframes igsbSealSpin{to{transform:rotate(360deg)}}\n\n\/* 7 \u2014 cover chips lock into place *\/\n.igs-biz .igsb-chip{\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igsbChip 9s cubic-bezier(.34,1.6,.64,1) infinite;\n}\n.igs-biz .igsb-chip-1{animation-delay:2.4s}\n.igs-biz .igsb-chip-2{animation-delay:2.9s}\n.igs-biz .igsb-chip-3{animation-delay:3.4s}\n@keyframes igsbChip{\n  0%  {transform:translateX(16px) scale(.5);opacity:0}\n  7%  {transform:translateX(0) scale(1.14);opacity:1}\n  11% {transform:translateX(0) scale(1)}\n  92% {transform:translateX(0) scale(1);opacity:1}\n  100%{transform:translateX(16px) scale(.5);opacity:0}\n}\n\n\/* 8 \u2014 paper corner flutters *\/\n.igs-biz .igsb-corner{\n  transform-origin:right top;\n  transform-box:fill-box;\n  animation:igsbFlutter 4.6s ease-in-out infinite;\n}\n@keyframes igsbFlutter{\n  0%,100%{transform:rotate(0deg)}\n  50%    {transform:rotate(-7deg)}\n}\n\n\/* 9 \u2014 coffee steam *\/\n.igs-biz .igsb-steam{\n  fill:none;\n  stroke:var(--igs-ink);\n  stroke-width:2.4;\n  stroke-linecap:round;\n  opacity:0;\n  animation:igsbSteam 3.4s ease-out infinite;\n}\n.igs-biz .igsb-steam-2{animation-delay:1.1s}\n.igs-biz .igsb-steam-3{animation-delay:2.2s}\n@keyframes igsbSteam{\n  0%  {transform:translateY(4px) scaleY(.6);opacity:0}\n  25% {opacity:.4}\n  100%{transform:translateY(-24px) scaleY(1.2);opacity:0}\n}\n\n@media(prefers-reduced-motion:reduce){\n  .igs-biz *{animation:none!important}\n  .igs-biz .igsb-sign{stroke-dashoffset:0}\n  .igs-biz .igsb-seal,.igs-biz .igsb-chip{opacity:1}\n  .igs-biz .igsb-stamp{opacity:0}\n}\n<\/style>\n\n<div class=\"igs-biz\" role=\"img\" aria-label=\"Illustration of a freelance contract being signed and sealed, with three insurance cover chips locking into place beside it\">\n  <svg viewBox=\"0 0 320 240\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\n    <!-- desk -->\n    <ellipse cx=\"160\" cy=\"216\" rx=\"126\" ry=\"9\" fill=\"var(--igs-ink)\" opacity=\".07\"\/>\n    <line x1=\"18\" y1=\"206\" x2=\"302\" y2=\"206\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\" stroke-linecap=\"round\"\/>\n\n    <!-- ===== contract ===== -->\n    <rect class=\"igsb-back\" x=\"86\" y=\"52\" width=\"112\" height=\"140\" rx=\"6\"\n          fill=\"var(--igs-accent-light)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\"\/>\n\n    <g class=\"igsb-corner\">\n      <rect x=\"98\" y=\"44\" width=\"112\" height=\"146\" rx=\"6\"\n            fill=\"var(--igs-cream)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\"\/>\n    <\/g>\n\n    <!-- heading block -->\n    <rect class=\"igsb-line igsb-line-1\" x=\"112\" y=\"60\"  width=\"58\" height=\"8\" rx=\"4\" fill=\"var(--igs-ink)\"\/>\n    <!-- body lines -->\n    <rect class=\"igsb-line igsb-line-2\" x=\"112\" y=\"80\"  width=\"84\" height=\"5\" rx=\"2.5\" fill=\"var(--igs-ink)\" opacity=\".3\"\/>\n    <rect class=\"igsb-line igsb-line-3\" x=\"112\" y=\"92\"  width=\"76\" height=\"5\" rx=\"2.5\" fill=\"var(--igs-ink)\" opacity=\".3\"\/>\n    <rect class=\"igsb-line igsb-line-4\" x=\"112\" y=\"104\" width=\"84\" height=\"5\" rx=\"2.5\" fill=\"var(--igs-ink)\" opacity=\".3\"\/>\n    <rect class=\"igsb-line igsb-line-5\" x=\"112\" y=\"116\" width=\"52\" height=\"5\" rx=\"2.5\" fill=\"var(--igs-ink)\" opacity=\".3\"\/>\n\n    <!-- signature -->\n    <line x1=\"112\" y1=\"186\" x2=\"164\" y2=\"186\" stroke=\"var(--igs-ink)\" stroke-width=\"2\" opacity=\".3\"\/>\n    <path class=\"igsb-sign\" d=\"M114 180 c6 -10 10 6 15 -2 c4 -7 8 8 13 0 c4 -6 8 4 12 -2\"\/>\n\n    <!-- printed seal -->\n    <g class=\"igsb-seal\">\n      <circle cx=\"176\" cy=\"152\" r=\"21\" fill=\"var(--igs-accent-light)\"\/>\n      <g class=\"igsb-seal-ring\">\n        <circle cx=\"176\" cy=\"152\" r=\"21\" fill=\"none\" stroke=\"var(--igs-accent-dark)\"\n                stroke-width=\"2.6\" stroke-dasharray=\"6 5\"\/>\n      <\/g>\n      <circle cx=\"176\" cy=\"152\" r=\"14\" fill=\"none\" stroke=\"var(--igs-accent-dark)\" stroke-width=\"2.4\"\/>\n      <path d=\"M169 152.5 l5 5 l10 -10\" fill=\"none\" stroke=\"var(--igs-accent-dark)\"\n            stroke-width=\"3.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n    <\/g>\n    <circle class=\"igsb-ripple igsb-ripple-1\" cx=\"176\" cy=\"152\" r=\"26\"\/>\n    <circle class=\"igsb-ripple igsb-ripple-2\" cx=\"176\" cy=\"152\" r=\"26\"\/>\n\n    <!-- ===== stamp ===== -->\n    <g class=\"igsb-stamp\">\n      <rect x=\"164\" y=\"128\" width=\"24\" height=\"16\" rx=\"4\"\n            fill=\"var(--igs-accent)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\"\/>\n      <rect x=\"170\" y=\"106\" width=\"12\" height=\"26\" rx=\"5\"\n            fill=\"var(--igs-ink)\"\/>\n      <rect x=\"160\" y=\"92\" width=\"32\" height=\"16\" rx=\"7\"\n            fill=\"var(--igs-ink)\"\/>\n    <\/g>\n\n    <!-- ===== cover chips ===== -->\n    <!-- professional liability -->\n    <g class=\"igsb-chip igsb-chip-1\">\n      <circle cx=\"252\" cy=\"74\" r=\"20\" fill=\"var(--igs-cream)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\"\/>\n      <path d=\"M252 62 l11 4.6 v9 c0 7.4-4.6 12-11 14.6 -6.4-2.6-11-7.2-11-14.6 v-9 Z\"\n            fill=\"var(--igs-accent)\" stroke=\"var(--igs-ink)\" stroke-width=\"2.4\" stroke-linejoin=\"round\"\/>\n    <\/g>\n    <!-- cyber -->\n    <g class=\"igsb-chip igsb-chip-2\">\n      <circle cx=\"252\" cy=\"122\" r=\"20\" fill=\"var(--igs-cream)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\"\/>\n      <rect x=\"243\" y=\"120\" width=\"18\" height=\"14\" rx=\"3.4\" fill=\"var(--igs-teal)\" stroke=\"var(--igs-ink)\" stroke-width=\"2.4\"\/>\n      <path d=\"M246.5 120 v-4.5 a5.5 5.5 0 0 1 11 0 v4.5\" fill=\"none\" stroke=\"var(--igs-ink)\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/>\n    <\/g>\n    <!-- indemnity -->\n    <g class=\"igsb-chip igsb-chip-3\">\n      <circle cx=\"252\" cy=\"170\" r=\"20\" fill=\"var(--igs-cream)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\"\/>\n      <rect x=\"244\" y=\"159\" width=\"16\" height=\"21\" rx=\"3\" fill=\"var(--igs-accent-light)\" stroke=\"var(--igs-ink)\" stroke-width=\"2.4\"\/>\n      <path d=\"M247.5 165 h9\" stroke=\"var(--igs-ink)\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/>\n      <path d=\"M247.5 170 h9\" stroke=\"var(--igs-ink)\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/>\n      <path d=\"M247.5 175 h5\" stroke=\"var(--igs-ink)\" stroke-width=\"2.2\" stroke-linecap=\"round\"\/>\n    <\/g>\n\n    <!-- ===== coffee ===== -->\n    <path class=\"igsb-steam igsb-steam-1\" d=\"M48 178 c4 -5 -4 -9 0 -14\"\/>\n    <path class=\"igsb-steam igsb-steam-2\" d=\"M58 178 c4 -5 -4 -9 0 -14\"\/>\n    <path class=\"igsb-steam igsb-steam-3\" d=\"M38 178 c4 -5 -4 -9 0 -14\"\/>\n    <path d=\"M30 182 h36 l-4 22 a5 5 0 0 1 -5 4 h-18 a5 5 0 0 1 -5 -4 Z\"\n          fill=\"var(--igs-accent-dark)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\" stroke-linejoin=\"round\"\/>\n    <path d=\"M66 188 a8 8 0 0 1 0 12\" fill=\"none\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\"\/>\n  <\/svg>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8d56d8 elementor-widget elementor-widget-heading\" data-id=\"d8d56d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Business insurance for freelancers in Germany<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-850798d elementor-widget elementor-widget-text-editor\" data-id=\"850798d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Freelancing here comes with liability, indemnity and health-insurance questions employees never have to think about. We cover professional liability, cyber risk, and the health\/pension gap self-employed people fall into.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e33bfad elementor-widget elementor-widget-button\" data-id=\"e33bfad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/insure-germany.com\/services\/business-insurance-germany-freelancers\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-97f0d40 e-con-full e-flex e-con e-child\" data-id=\"97f0d40\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-712e009 elementor-widget elementor-widget-html\" data-id=\"712e009\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\n     ============================================================ -->\n\n<style>\n.igs-pet{\n  --graphic-size:150px;\n  --igs-accent:#F5A015;\n  --igs-accent-dark:#D88A0A;\n  --igs-accent-light:#FCEBD1;\n  --igs-ink:#2D2D2D;\n  --igs-teal:#1D9E75;\n  --igs-cream:#FFFCF6;\n  --igs-rose:#D4537E;\n\n  width:var(--graphic-size);\n  aspect-ratio:4\/3;\n  flex:0 0 auto;\n  display:block;\n  line-height:0;\n  max-width:100%;\n}\n.igs-pet svg{width:100%;height:100%;display:block;overflow:visible}\n\n\/* 1 \u2014 tail wag *\/\n.igs-pet .igsp-tail{\n  transform-origin:186px 172px;\n  animation:igspetWag .9s ease-in-out infinite;\n}\n@keyframes igspetWag{\n  0%,100%{transform:rotate(-16deg)}\n  50%    {transform:rotate(18deg)}\n}\n\n\/* 2 \u2014 ear twitch *\/\n.igs-pet .igsp-ear-l{\n  transform-origin:126px 88px;\n  animation:igspetEar 4.6s ease-in-out infinite;\n}\n.igs-pet .igsp-ear-r{\n  transform-origin:174px 88px;\n  animation:igspetEar 4.6s ease-in-out infinite .35s;\n}\n@keyframes igspetEar{\n  0%,72%,100%{transform:rotate(0deg)}\n  78%        {transform:rotate(-9deg)}\n  84%        {transform:rotate(5deg)}\n  90%        {transform:rotate(0deg)}\n}\n\n\/* 3 \u2014 blink *\/\n.igs-pet .igsp-eye{\n  transform-origin:center;\n  transform-box:fill-box;\n  animation:igspetBlink 5.2s ease-in-out infinite;\n}\n@keyframes igspetBlink{\n  0%,90%,100%{transform:scaleY(1)}\n  93%        {transform:scaleY(.1)}\n  96%        {transform:scaleY(1)}\n}\n\n\/* 4 \u2014 head tilt *\/\n.igs-pet .igsp-head{\n  transform-origin:150px 132px;\n  animation:igspetTilt 6.4s ease-in-out infinite;\n}\n@keyframes igspetTilt{\n  0%,100%{transform:rotate(-2.4deg)}\n  50%    {transform:rotate(2.4deg)}\n}\n\n\/* 5 \u2014 collar tag swings with the head *\/\n.igs-pet .igsp-tag{\n  transform-origin:150px 138px;\n  animation:igspetSwing 2.4s ease-in-out infinite;\n}\n@keyframes igspetSwing{\n  0%,100%{transform:rotate(-9deg)}\n  50%    {transform:rotate(9deg)}\n}\n\n\/* 6 \u2014 shine sweeps across the tag *\/\n.igs-pet .igsp-shine{\n  fill:#FFFFFF;\n  opacity:0;\n  animation:igspetShine 3.6s ease-in-out infinite;\n}\n@keyframes igspetShine{\n  0%,60%{transform:translateX(-14px);opacity:0}\n  70%   {opacity:.75}\n  84%   {transform:translateX(14px);opacity:0}\n  100%  {transform:translateX(14px);opacity:0}\n}\n\n\/* 7 \u2014 heart beat *\/\n.igs-pet .igsp-heart{\n  transform-origin:center;\n  transform-box:fill-box;\n  animation:igspetBeat 1.9s ease-in-out infinite;\n}\n@keyframes igspetBeat{\n  0%,100%{transform:scale(1)}\n  16%    {transform:scale(1.2)}\n  30%    {transform:scale(1)}\n  46%    {transform:scale(1.12)}\n  60%    {transform:scale(1)}\n}\n\n\/* 8 \u2014 heart glow *\/\n.igs-pet .igsp-heart-glow{\n  fill:var(--igs-rose);\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igspetGlow 1.9s ease-out infinite;\n}\n@keyframes igspetGlow{\n  0%  {transform:scale(.6);opacity:0}\n  18% {opacity:.2}\n  60% {transform:scale(1.7);opacity:0}\n  100%{transform:scale(1.7);opacity:0}\n}\n\n\/* 9 \u2014 paw prints trail in *\/\n.igs-pet .igsp-paw{\n  fill:var(--igs-accent-dark);\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igspetPaw 5.4s ease-out infinite;\n}\n.igs-pet .igsp-paw-1{animation-delay:0s}\n.igs-pet .igsp-paw-2{animation-delay:.55s}\n.igs-pet .igsp-paw-3{animation-delay:1.1s}\n.igs-pet .igsp-paw-4{animation-delay:1.65s}\n@keyframes igspetPaw{\n  0%  {transform:scale(.4);opacity:0}\n  8%  {transform:scale(1);opacity:.85}\n  62% {opacity:.5}\n  80% {opacity:0}\n  100%{opacity:0}\n}\n\n@media(prefers-reduced-motion:reduce){\n  .igs-pet *{animation:none!important}\n  .igs-pet .igsp-paw{opacity:.5}\n}\n<\/style>\n\n<div class=\"igs-pet\" role=\"img\" aria-label=\"Illustration of a dog sitting with an insured collar tag, a beating heart above and paw prints trailing in\">\n  <svg viewBox=\"0 0 320 240\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\n    <!-- ground -->\n    <ellipse cx=\"160\" cy=\"212\" rx=\"112\" ry=\"9\" fill=\"var(--igs-ink)\" opacity=\".07\"\/>\n    <line x1=\"24\" y1=\"202\" x2=\"296\" y2=\"202\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\" stroke-linecap=\"round\"\/>\n\n    <!-- paw print trail -->\n    <g class=\"igsp-paw igsp-paw-1\">\n      <ellipse cx=\"44\" cy=\"188\" rx=\"6\" ry=\"5\"\/>\n      <circle cx=\"38\" cy=\"180\" r=\"2.4\"\/><circle cx=\"44\" cy=\"178\" r=\"2.4\"\/><circle cx=\"50\" cy=\"180\" r=\"2.4\"\/>\n    <\/g>\n    <g class=\"igsp-paw igsp-paw-2\">\n      <ellipse cx=\"66\" cy=\"196\" rx=\"6\" ry=\"5\"\/>\n      <circle cx=\"60\" cy=\"188\" r=\"2.4\"\/><circle cx=\"66\" cy=\"186\" r=\"2.4\"\/><circle cx=\"72\" cy=\"188\" r=\"2.4\"\/>\n    <\/g>\n    <g class=\"igsp-paw igsp-paw-3\">\n      <ellipse cx=\"86\" cy=\"186\" rx=\"6\" ry=\"5\"\/>\n      <circle cx=\"80\" cy=\"178\" r=\"2.4\"\/><circle cx=\"86\" cy=\"176\" r=\"2.4\"\/><circle cx=\"92\" cy=\"178\" r=\"2.4\"\/>\n    <\/g>\n    <g class=\"igsp-paw igsp-paw-4\">\n      <ellipse cx=\"106\" cy=\"196\" rx=\"6\" ry=\"5\"\/>\n      <circle cx=\"100\" cy=\"188\" r=\"2.4\"\/><circle cx=\"106\" cy=\"186\" r=\"2.4\"\/><circle cx=\"112\" cy=\"188\" r=\"2.4\"\/>\n    <\/g>\n\n    <!-- heart above -->\n    <g class=\"igsp-heart-glow\">\n      <path d=\"M212 62 c0-7 5.6-12 12-12 4.4 0 7.6 2.2 9.4 5.4 1.8-3.2 5-5.4 9.4-5.4 6.4 0 12 5 12 12 0 12-21.4 25-21.4 25 S212 74 212 62 Z\"\/>\n    <\/g>\n    <g class=\"igsp-heart\">\n      <path d=\"M214 64 c0-6.4 5.2-11.2 11.2-11.2 4 0 7 2 8.6 5 1.6-3 4.6-5 8.6-5 6 0 11.2 4.8 11.2 11.2 0 11-19.8 23-19.8 23 S214 75 214 64 Z\"\n            fill=\"var(--igs-rose)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\" stroke-linejoin=\"round\"\/>\n    <\/g>\n\n    <!-- ===== dog ===== -->\n    <!-- tail -->\n    <g class=\"igsp-tail\">\n      <path d=\"M186 172 C202 168 212 152 208 136\"\n            fill=\"none\" stroke=\"var(--igs-ink)\" stroke-width=\"12\" stroke-linecap=\"round\"\/>\n      <path d=\"M186 172 C202 168 212 152 208 136\"\n            fill=\"none\" stroke=\"var(--igs-accent-dark)\" stroke-width=\"7\" stroke-linecap=\"round\"\/>\n    <\/g>\n\n    <!-- seated body -->\n    <path d=\"M118 200 C112 162 124 140 150 140 C176 140 188 162 182 200 Z\"\n          fill=\"var(--igs-accent-light)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\" stroke-linejoin=\"round\"\/>\n    <!-- chest patch -->\n    <path d=\"M150 148 C160 158 162 178 158 200 h-16 C138 178 140 158 150 148 Z\"\n          fill=\"var(--igs-cream)\"\/>\n\n    <!-- front paws -->\n    <rect x=\"126\" y=\"186\" width=\"20\" height=\"16\" rx=\"8\" fill=\"var(--igs-cream)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\"\/>\n    <rect x=\"154\" y=\"186\" width=\"20\" height=\"16\" rx=\"8\" fill=\"var(--igs-cream)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\"\/>\n\n    <!-- collar -->\n    <path d=\"M128 138 q22 14 44 0\" fill=\"none\" stroke=\"var(--igs-accent)\" stroke-width=\"9\" stroke-linecap=\"round\"\/>\n    <path d=\"M128 138 q22 14 44 0\" fill=\"none\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\" fill-opacity=\"0\" opacity=\".25\"\/>\n\n    <!-- head -->\n    <g class=\"igsp-head\">\n      <!-- ears -->\n      <g class=\"igsp-ear-l\">\n        <path d=\"M126 88 C112 84 104 98 108 116 C111 130 122 134 128 128 Z\"\n              fill=\"var(--igs-accent-dark)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\" stroke-linejoin=\"round\"\/>\n      <\/g>\n      <g class=\"igsp-ear-r\">\n        <path d=\"M174 88 C188 84 196 98 192 116 C189 130 178 134 172 128 Z\"\n              fill=\"var(--igs-accent-dark)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\" stroke-linejoin=\"round\"\/>\n      <\/g>\n\n      <!-- skull -->\n      <circle cx=\"150\" cy=\"104\" r=\"32\" fill=\"var(--igs-accent-light)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\"\/>\n      <!-- eye patch -->\n      <path d=\"M150 74 a32 32 0 0 1 30 22 a32 32 0 0 1 -30 8 Z\" fill=\"var(--igs-accent-dark)\" opacity=\".55\"\/>\n\n      <!-- eyes -->\n      <circle class=\"igsp-eye\" cx=\"138\" cy=\"100\" r=\"4\" fill=\"var(--igs-ink)\"\/>\n      <circle class=\"igsp-eye\" cx=\"162\" cy=\"100\" r=\"4\" fill=\"var(--igs-ink)\"\/>\n\n      <!-- muzzle -->\n      <ellipse cx=\"150\" cy=\"118\" rx=\"17\" ry=\"12\" fill=\"var(--igs-cream)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\"\/>\n      <ellipse cx=\"150\" cy=\"112\" rx=\"5.6\" ry=\"4.4\" fill=\"var(--igs-ink)\"\/>\n      <path d=\"M150 116 v4 M150 120 q-5 4 -8 0 M150 120 q5 4 8 0\"\n            fill=\"none\" stroke=\"var(--igs-ink)\" stroke-width=\"2.6\" stroke-linecap=\"round\"\/>\n    <\/g>\n\n    <!-- insured tag hanging from the collar -->\n    <g class=\"igsp-tag\">\n      <line x1=\"150\" y1=\"138\" x2=\"150\" y2=\"148\" stroke=\"var(--igs-ink)\" stroke-width=\"2.6\"\/>\n      <circle cx=\"150\" cy=\"158\" r=\"12\" fill=\"var(--igs-accent)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\"\/>\n      <path d=\"M144 158.5 l4.5 4.5 l8 -8.5\" fill=\"none\" stroke=\"var(--igs-ink)\"\n            stroke-width=\"3\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n      <ellipse class=\"igsp-shine\" cx=\"150\" cy=\"158\" rx=\"3\" ry=\"10\"\/>\n    <\/g>\n  <\/svg>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef64e32 elementor-widget elementor-widget-heading\" data-id=\"ef64e32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pet insurance in Germany<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0c2e31 elementor-widget elementor-widget-text-editor\" data-id=\"d0c2e31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Dog liability cover is a legal requirement in several federal states, not an optional extra. We also compare health and surgery cover for cats, dogs and horses, so a vet bill doesn&#8217;t become a financial event.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-313312b elementor-widget elementor-widget-button\" data-id=\"313312b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/insure-germany.com\/services\/pet-insurance-germany\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fda99f7 e-con-full e-flex e-con e-child\" data-id=\"fda99f7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96413f7 elementor-widget elementor-widget-html\" data-id=\"96413f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- ============================================================\n     ============================================================ -->\n\n<style>\n.igs-income{\n  --graphic-size:150px;\n  --igs-accent:#F5A015;\n  --igs-accent-dark:#D88A0A;\n  --igs-accent-light:#FCEBD1;\n  --igs-ink:#2D2D2D;\n  --igs-teal:#1D9E75;\n  --igs-cream:#FFFCF6;\n  --igs-red:#E24B4A;\n\n  width:var(--graphic-size);\n  aspect-ratio:4\/3;\n  flex:0 0 auto;\n  display:block;\n  line-height:0;\n  max-width:100%;\n}\n.igs-income svg{width:100%;height:100%;display:block;overflow:visible}\n\n\/* 1 \u2014 illness blocks the direct route *\/\n.igs-income .igsi-block{\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igsiBlock 8s cubic-bezier(.34,1.5,.64,1) infinite;\n}\n@keyframes igsiBlock{\n  0%  {transform:scaleY(0);opacity:0}\n  8%  {transform:scaleY(1.2);opacity:1}\n  12% {transform:scaleY(1)}\n  94% {transform:scaleY(1);opacity:1}\n  100%{transform:scaleY(0);opacity:0}\n}\n\n\/* 2 \u2014 warning pulses above the blockage *\/\n.igs-income .igsi-warn{\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igsiWarn 8s ease-in-out infinite;\n}\n@keyframes igsiWarn{\n  0%,6%{transform:scale(.5);opacity:0}\n  12%  {transform:scale(1.1);opacity:1}\n  16%  {transform:scale(1)}\n  24%  {transform:scale(1.08);opacity:.75}\n  32%  {transform:scale(1);opacity:1}\n  94%  {transform:scale(1);opacity:1}\n  100% {transform:scale(.5);opacity:0}\n}\n\n\/* 3 \u2014 the bypass route draws itself open *\/\n.igs-income .igsi-bypass{\n  fill:none;\n  stroke:var(--igs-ink);\n  stroke-width:3.4;\n  stroke-linecap:round;\n  stroke-dasharray:210;\n  animation:igsiOpen 8s cubic-bezier(.33,1,.68,1) infinite;\n}\n.igs-income .igsi-bypass-fill{\n  fill:none;\n  stroke:var(--igs-accent-light);\n  stroke-width:20;\n  stroke-linecap:round;\n  stroke-dasharray:210;\n  animation:igsiOpen 8s cubic-bezier(.33,1,.68,1) infinite;\n}\n@keyframes igsiOpen{\n  0%,12%{stroke-dashoffset:210}\n  30%   {stroke-dashoffset:0}\n  94%   {stroke-dashoffset:0}\n  100%  {stroke-dashoffset:210}\n}\n\n\/* 4 \u2014 the bypass glows while it carries the payments *\/\n.igs-income .igsi-glow{\n  fill:none;\n  stroke:var(--igs-accent);\n  stroke-width:24;\n  stroke-linecap:round;\n  opacity:0;\n  filter:blur(6px);\n  animation:igsiGlow 8s ease-in-out infinite;\n}\n@keyframes igsiGlow{\n  0%,28%{opacity:0}\n  40%   {opacity:.18}\n  80%   {opacity:.18}\n  94%   {opacity:0}\n  100%  {opacity:0}\n}\n\n\/* 5 \u2014 payments keep arriving, rerouted underneath *\/\n.igs-income .igsi-coin{\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igsiRoute 4s linear infinite;\n}\n.igs-income .igsi-coin-1{animation-delay:0s}\n.igs-income .igsi-coin-2{animation-delay:1.35s}\n.igs-income .igsi-coin-3{animation-delay:2.7s}\n@keyframes igsiRoute{\n  0%  {transform:translate(0,0);opacity:0}\n  6%  {opacity:1}\n  22% {transform:translate(76px,0)}\n  34% {transform:translate(88px,53px)}\n  56% {transform:translate(146px,53px)}\n  68% {transform:translate(146px,0)}\n  86% {transform:translate(236px,0);opacity:1}\n  96% {transform:translate(236px,42px);opacity:1}\n  100%{transform:translate(236px,42px);opacity:0}\n}\n\n\/* 6 \u2014 the deposit box flashes each time a payment lands *\/\n.igs-income .igsi-box-glow{\n  fill:var(--igs-teal);\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igsiLand 1.35s ease-out infinite;\n}\n@keyframes igsiLand{\n  0%,84%{transform:scale(.9);opacity:0}\n  90%   {transform:scale(1.06);opacity:.3}\n  100%  {transform:scale(1.12);opacity:0}\n}\n\n\/* 7 \u2014 protection badge on the bypass *\/\n.igs-income .igsi-badge{\n  transform-origin:center;\n  transform-box:fill-box;\n  opacity:0;\n  animation:igsiBadge 8s cubic-bezier(.34,1.6,.64,1) infinite;\n}\n@keyframes igsiBadge{\n  0%,26%{transform:scale(.4);opacity:0}\n  34%   {transform:scale(1.16);opacity:1}\n  39%   {transform:scale(1)}\n  94%   {transform:scale(1);opacity:1}\n  100%  {transform:scale(.4);opacity:0}\n}\n\n\/* 8 \u2014 flow arrows drift along the pipes *\/\n.igs-income .igsi-arrow{\n  fill:none;\n  stroke:var(--igs-accent-dark);\n  stroke-width:2.6;\n  stroke-linecap:round;\n  stroke-linejoin:round;\n  opacity:.35;\n  animation:igsiDrift 1.6s ease-in-out infinite;\n}\n.igs-income .igsi-arrow-2{animation-delay:.2s}\n.igs-income .igsi-arrow-3{animation-delay:.4s}\n.igs-income .igsi-arrow-4{animation-delay:.6s}\n@keyframes igsiDrift{\n  0%  {transform:translateX(-4px);opacity:.12}\n  50% {opacity:.45}\n  100%{transform:translateX(6px);opacity:.12}\n}\n\n\/* 9 \u2014 shadow *\/\n.igs-income .igsi-shadow{\n  animation:igsiShadow 8s ease-in-out infinite;\n}\n@keyframes igsiShadow{\n  0%,100%{opacity:.05}\n  50%    {opacity:.09}\n}\n\n@media(prefers-reduced-motion:reduce){\n  .igs-income *{animation:none!important}\n  .igs-income .igsi-bypass,\n  .igs-income .igsi-bypass-fill{stroke-dashoffset:0}\n  .igs-income .igsi-block,\n  .igs-income .igsi-warn,\n  .igs-income .igsi-badge{opacity:1}\n  .igs-income .igsi-coin{opacity:0}\n}\n<\/style>\n\n<div class=\"igs-income\" role=\"img\" aria-label=\"Illustration of income flowing along a pipe, blocked in the middle by illness and rerouted through a protected bypass so the payments keep arriving\">\n  <svg viewBox=\"0 0 320 240\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\n    <ellipse class=\"igsi-shadow\" cx=\"160\" cy=\"222\" rx=\"128\" ry=\"8\" fill=\"var(--igs-ink)\"\/>\n\n    <!-- ===== bypass route (drawn behind the pipes) ===== -->\n    <path class=\"igsi-glow\"        d=\"M124 122 V150 Q124 162 136 162 H184 Q196 162 196 150 V122\"\/>\n    <path class=\"igsi-bypass-fill\" d=\"M124 122 V150 Q124 162 136 162 H184 Q196 162 196 150 V122\"\/>\n    <path class=\"igsi-bypass\"      d=\"M124 122 V150 Q124 162 136 162 H184 Q196 162 196 150 V122\"\/>\n\n    <!-- ===== main pipes ===== -->\n    <rect x=\"20\"  y=\"96\" width=\"104\" height=\"26\" rx=\"9\"\n          fill=\"var(--igs-accent-light)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\"\/>\n    <rect x=\"196\" y=\"96\" width=\"60\"  height=\"26\" rx=\"9\"\n          fill=\"var(--igs-accent-light)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\"\/>\n\n    <!-- flow arrows -->\n    <path class=\"igsi-arrow igsi-arrow-1\" d=\"M42 104 l6 5 l-6 5\"\/>\n    <path class=\"igsi-arrow igsi-arrow-2\" d=\"M62 104 l6 5 l-6 5\"\/>\n    <path class=\"igsi-arrow igsi-arrow-3\" d=\"M82 104 l6 5 l-6 5\"\/>\n    <path class=\"igsi-arrow igsi-arrow-4\" d=\"M216 104 l6 5 l-6 5\"\/>\n\n    <!-- ===== the interruption ===== -->\n    <g class=\"igsi-block\">\n      <rect x=\"142\" y=\"88\"  width=\"9\" height=\"42\" rx=\"4\" fill=\"var(--igs-ink)\"\/>\n      <rect x=\"157\" y=\"88\"  width=\"9\" height=\"42\" rx=\"4\" fill=\"var(--igs-ink)\"\/>\n    <\/g>\n\n    <g class=\"igsi-warn\">\n      <path d=\"M154 46 l16 28 h-32 Z\"\n            fill=\"var(--igs-red)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\" stroke-linejoin=\"round\"\/>\n      <path d=\"M154 56 v8\" stroke=\"#FFFFFF\" stroke-width=\"3\" stroke-linecap=\"round\"\/>\n      <circle cx=\"154\" cy=\"69\" r=\"1.9\" fill=\"#FFFFFF\"\/>\n    <\/g>\n\n    <!-- ===== protection badge on the bypass ===== -->\n    <g class=\"igsi-badge\">\n      <circle cx=\"160\" cy=\"192\" r=\"19\" fill=\"var(--igs-cream)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.2\"\/>\n      <path d=\"M160 181 l10 4.2 v8.2 c0 6.8-4.2 11-10 13.4 -5.8-2.4-10-6.6-10-13.4 v-8.2 Z\"\n            fill=\"var(--igs-teal)\" stroke=\"var(--igs-ink)\" stroke-width=\"2.4\" stroke-linejoin=\"round\"\/>\n      <path d=\"M156 191.5 l3.4 3.4 l6 -6.4\" fill=\"none\" stroke=\"#FFFFFF\"\n            stroke-width=\"2.6\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n    <\/g>\n\n    <!-- ===== deposit box ===== -->\n    <ellipse class=\"igsi-box-glow\" cx=\"276\" cy=\"158\" rx=\"34\" ry=\"28\"\/>\n    <rect x=\"250\" y=\"136\" width=\"52\" height=\"44\" rx=\"8\"\n          fill=\"var(--igs-cream)\" stroke=\"var(--igs-ink)\" stroke-width=\"3.4\"\/>\n    <rect x=\"264\" y=\"132\" width=\"24\" height=\"8\" rx=\"4\" fill=\"var(--igs-ink)\"\/>\n    <path d=\"M262 158 h28\" stroke=\"var(--igs-ink)\" stroke-width=\"3\" stroke-linecap=\"round\" opacity=\".3\"\/>\n    <path d=\"M262 168 h18\" stroke=\"var(--igs-ink)\" stroke-width=\"3\" stroke-linecap=\"round\" opacity=\".3\"\/>\n\n    <!-- ===== payments ===== -->\n    <g class=\"igsi-coin igsi-coin-1\">\n      <circle cx=\"40\" cy=\"109\" r=\"10\" fill=\"var(--igs-accent)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n      <path d=\"M36 109 h8\" stroke=\"var(--igs-ink)\" stroke-width=\"2.6\" stroke-linecap=\"round\"\/>\n      <path d=\"M40 105 v8\"  stroke=\"var(--igs-ink)\" stroke-width=\"2.6\" stroke-linecap=\"round\"\/>\n    <\/g>\n    <g class=\"igsi-coin igsi-coin-2\">\n      <circle cx=\"40\" cy=\"109\" r=\"9\" fill=\"var(--igs-cream)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n      <path d=\"M36 109 h8\" stroke=\"var(--igs-ink)\" stroke-width=\"2.4\" stroke-linecap=\"round\"\/>\n    <\/g>\n    <g class=\"igsi-coin igsi-coin-3\">\n      <circle cx=\"40\" cy=\"109\" r=\"10\" fill=\"var(--igs-accent-dark)\" stroke=\"var(--igs-ink)\" stroke-width=\"3\"\/>\n      <path d=\"M36 109 h8\" stroke=\"var(--igs-ink)\" stroke-width=\"2.6\" stroke-linecap=\"round\"\/>\n      <path d=\"M40 105 v8\"  stroke=\"var(--igs-ink)\" stroke-width=\"2.6\" stroke-linecap=\"round\"\/>\n    <\/g>\n  <\/svg>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce92196 elementor-widget elementor-widget-heading\" data-id=\"ce92196\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Legal insurance in\nGermany<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0127e74 elementor-widget elementor-widget-text-editor\" data-id=\"0127e74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Legal insurance helps cover legal fees when a dispute becomes expensive \u2014 from employment and tenancy issues to private legal conflicts. We explain which types of legal protection actually make sense in Germany and what you should look for before choosing a policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60e8466 elementor-widget elementor-widget-button\" data-id=\"60e8466\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/insure-germany.com\/services\/legal-insurance-germany\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f45d6bc e-flex e-con-boxed e-con e-parent\" data-id=\"f45d6bc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-82cc4de e-con-full e-flex e-con e-child\" data-id=\"82cc4de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf4c47a elementor-widget elementor-widget-image\" data-id=\"cf4c47a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1170\" height=\"1345\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/christian-keller-insurance-advisor-germany-background.webp\" class=\"attachment-full size-full wp-image-155\" alt=\"Clean modern background with soft beige and light grey gradients for the portrait of independent insurance broker Christian Keller.\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/christian-keller-insurance-advisor-germany-background.webp 1170w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/christian-keller-insurance-advisor-germany-background-261x300.webp 261w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/christian-keller-insurance-advisor-germany-background-891x1024.webp 891w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/christian-keller-insurance-advisor-germany-background-768x883.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/christian-keller-insurance-advisor-germany-background-10x12.webp 10w\" sizes=\"(max-width: 1170px) 100vw, 1170px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fc2dac elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"8fc2dac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-shield-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.5 83.7l-192-80a48.15 48.15 0 0 0-36.9 0l-192 80C27.7 91.1 16 108.6 16 128c0 198.5 114.5 335.7 221.5 380.3 11.8 4.9 25.1 4.9 36.9 0C360.1 472.6 496 349.3 496 128c0-19.4-11.7-36.9-29.5-44.3zM256.1 446.3l-.1-381 175.9 73.3c-3.3 151.4-82.1 261.1-175.8 307.7z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tIndependent Broker\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t100+ insurers compared\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae314f8 e-con-full e-flex e-con e-child\" data-id=\"ae314f8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb0044c elementor-widget elementor-widget-menu-anchor\" data-id=\"fb0044c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"Aboutus\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34602ef elementor-widget elementor-widget-heading\" data-id=\"34602ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">The difference<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afc4361 elementor-widget elementor-widget-heading\" data-id=\"afc4361\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u201cI spent my first years selling for one insurer. That's exactly why I stopped.\u201d<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23ad9ae elementor-widget elementor-widget-text-editor\" data-id=\"23ad9ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>I started in <strong>tied agency \u2014 Ausschlie\u00dflichkeitsvertrieb<\/strong>, selling one company&#8217;s products and nothing else. It taught me <strong>the mechanics of the industry properly<\/strong>: underwriting, claims, the small print that actually matters. What it didn&#8217;t let me do was <span style=\"color: #f5a015;\"><strong>tell a client the truth when a competitor had the better policy.<\/strong><\/span><\/p><p>That&#8217;s the part that eventually got to me. I&#8217;d sit across from someone \u2014 often someone who&#8217;d just moved to Germany and had no idea what <strong>Privathaftpflicht<\/strong> even was \u2014 and know there was <strong>a better option two providers over<\/strong>, one I simply wasn&#8217;t allowed to offer. After a few years of that, <strong>going independent wasn&#8217;t really a decision.<\/strong> It was <strong>the only way to keep doing this job honestly.<\/strong><\/p><p><strong>Twelve years into the German insurance market<\/strong>, I now <strong>compare more than 100 insurers<\/strong> for every case, <strong>advise in English or German<\/strong> depending on what&#8217;s easier for you, and <strong>work from Mannheim with clients across the country.<\/strong> The job hasn&#8217;t changed much \u2014 people still need someone to explain what they&#8217;re actually buying. <strong>I&#8217;ve just stopped having to hide the alternatives.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49a7da9 elementor-widget elementor-widget-text-editor\" data-id=\"49a7da9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Christian Keller<\/strong><\/p><p><em>Independent insurance broker, licensed under \u00a7 34d GewO \u00b7 insure-Germany<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f70354 e-flex e-con-boxed e-con e-parent\" data-id=\"7f70354\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8966c97 elementor-widget elementor-widget-menu-anchor\" data-id=\"8966c97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"health-insurance\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d683a6a elementor-widget elementor-widget-heading\" data-id=\"d683a6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">The decision everyone hits first<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f230edd elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"f230edd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Public or private health insurance \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b73d14 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"9b73d14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">\u2014 and who actually gets to choose<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd1f5f7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"cd1f5f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><header class=\"igc-head\"><p>Neither one is simply better. Which route is right depends on your income, your age, whether you&#8217;re employed or self-employed, and whether you&#8217;re planning a family here. Here&#8217;s the honest short version.<\/p><\/header><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f28297d e-grid e-con-full e-con e-child\" data-id=\"f28297d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cd5607b e-con-full e-flex e-con e-child\" data-id=\"cd5607b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59df92f elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"59df92f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-shield\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M622.3 271.1l-115.2-45c-4.1-1.6-12.6-3.7-22.2 0l-115.2 45c-10.7 4.2-17.7 14-17.7 24.9 0 111.6 68.7 188.8 132.9 213.9 9.6 3.7 18 1.6 22.2 0C558.4 489.9 640 420.5 640 296c0-10.9-7-20.7-17.7-24.9zM496 462.4V273.3l95.5 37.3c-5.6 87.1-60.9 135.4-95.5 151.8zM224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm96 40c0-2.5.8-4.8 1.1-7.2-2.5-.1-4.9-.8-7.5-.8h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c6.8 0 13.3-1.5 19.2-4-54-42.9-99.2-116.7-99.2-212z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPrivate health insurance (PKV)\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOpen to the self-employed and higher earners\n\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-701f625 elementor-widget elementor-widget-text-editor\" data-id=\"701f625\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\"><strong>Who can choose it<\/strong><\/p><div class=\"igc-elig\"><div class=\"igc-elig\"><div>Freelancers and the self-employed, civil servants, and employees earning above the annual threshold \u2014 for everyone else the door stays closed.<\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e2ff8f elementor-widget elementor-widget-heading\" data-id=\"9e2ff8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">What works in your favour\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bdc095 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0bdc095\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Faster specialist appointments and a wider choice of doctors and clinics<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You choose the level of cover, from lean and cheap to comprehensive<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Premiums are based on age and health at entry \u2014 often lower while you're young<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Your benefits are fixed by contract and can't be cut by a change in the law<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa72104 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"aa72104\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03e8040 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"03e8040\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Every family member is insured \u2014 and paid for \u2014 separately<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Health questions at application; pre-existing conditions affect the premium<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Moving back to public cover is heavily restricted once you're over 55<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Premiums rise with age and medical costs, not with your income<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3569df0 e-con-full e-flex e-con e-child\" data-id=\"3569df0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-281f244 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"281f244\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-users\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96 224c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm448 0c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm32 32h-64c-17.6 0-33.5 7.1-45.1 18.6 40.3 22.1 68.9 62 75.1 109.4h66c17.7 0 32-14.3 32-32v-32c0-35.3-28.7-64-64-64zm-256 0c61.9 0 112-50.1 112-112S381.9 32 320 32 208 82.1 208 144s50.1 112 112 112zm76.8 32h-8.3c-20.8 10-43.9 16-68.5 16s-47.6-6-68.5-16h-8.3C179.6 288 128 339.6 128 403.2V432c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48v-28.8c0-63.6-51.6-115.2-115.2-115.2zm-223.7-13.4C161.5 263.1 145.6 256 128 256H64c-35.3 0-64 28.7-64 64v32c0 17.7 14.3 32 32 32h65.9c6.3-47.4 34.9-87.3 75.2-109.4z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPublic health insurance (GKV)\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe default route for most employees\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ba705b elementor-widget elementor-widget-text-editor\" data-id=\"7ba705b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\"><strong>Who can choose it<\/strong><\/p><div class=\"igc-elig\"><div class=\"igc-elig\"><div class=\"c-person\"><p class=\"p1\">Employees earning under the annual threshold, students, and most pensioners &#8211; for many people this isn&#8217;t a choice, it&#8217;s automatic.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32eaf51 elementor-widget elementor-widget-heading\" data-id=\"32eaf51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">What works in your favour\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fea310 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7fea310\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Contributions scale with your income, never with your health<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A non-earning spouse and your children are usually covered at no extra cost<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">No health questions, no risk assessment \u2014 pre-existing conditions don't block you<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You can still move to private later if you become eligibl<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1ae136 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c1ae136\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0d0243 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c0d0243\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Standard care, with noticeably longer waits for some specialists<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Your contribution rises automatically as your salary rises<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Moving back to public cover is heavily restricted once you're over 55<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Little room to tailor the cover \u2014 benefits are set by law, not by you<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b568647 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b568647\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><header class=\"igc-head\"><p class=\"p1\"><em>Whether you can choose public or private health insurance depends on your employment status, income, and personal situation. Before recommending anything, we first make sure you actually have a choice \u2014 and then help you make the right one.<\/em><\/p><\/header><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26cd547 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"26cd547\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><header class=\"igc-head\"><p><strong><span style=\"color: #ff9900;\"><a class=\"igc-btn\" style=\"color: #ff9900;\" href=\"https:\/\/insure-germany.com\/services\/health-insurance-germany-expats\/\">Private medical insurance in Germany for expats<\/a><\/span><\/strong><\/p><p class=\"p1\">Advice is free of charge. As an independent broker I&#8217;m paid via commission that insurers already build into the premium, so your contribution doesn&#8217;t change.<\/p><\/header><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0aee447 e-flex e-con-boxed e-con e-parent\" data-id=\"0aee447\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8bb579e elementor-widget elementor-widget-menu-anchor\" data-id=\"8bb579e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"how-it-works\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b6b8d6 elementor-widget elementor-widget-heading\" data-id=\"2b6b8d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">How it works<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b06b35 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5b06b35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How working together actually works<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4784d4 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c4784d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><p class=\"lead\">Four steps, no obligation to continue after any of them, and no fee at any stage.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bcf15b e-grid e-con-full e-con e-child\" data-id=\"1bcf15b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a4e9c1 elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4a4e9c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"154\" height=\"364\" viewBox=\"0 0 154 364\" fill=\"none\"><path d=\"M153.052 -2.19345e-05V363.636H87.1786V64.098H85.0479L-0.0017754 118.43V58.0611L90.3746 -2.19345e-05H153.052Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tFree first call\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThirty minutes, by phone, video, or in person if you're near Mannheim. We talk through what you already have, what's missing, and whether I can actually help \u2014 free either way.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d7180c elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3d7180c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"252\" height=\"369\" viewBox=\"0 0 252 369\" fill=\"none\"><path d=\"M2.13175 368.608V321.023L128.375 197.266C140.449 185.073 150.51 174.242 158.559 164.773C166.609 155.303 172.645 146.129 176.67 137.251C180.695 128.374 182.707 118.904 182.707 108.842C182.707 97.3603 180.103 87.5355 174.895 79.3678C169.686 71.0819 162.525 64.6898 153.41 60.1917C144.296 55.6936 133.938 53.4445 122.338 53.4445C110.382 53.4445 99.9064 55.9303 90.9102 60.9019C81.9139 65.7552 74.93 72.6799 69.9585 81.6761C65.1052 90.6723 62.6786 101.385 62.6786 113.814H0.00106636C0.00106636 90.7315 5.26859 70.6676 15.8036 53.6221C26.3387 36.5766 40.8391 23.3783 59.305 14.0269C77.8893 4.67561 99.1961 -5.79357e-05 123.225 -5.79357e-05C147.61 -5.79357e-05 169.035 4.55723 187.501 13.6718C205.967 22.7864 220.29 35.2746 230.47 51.1363C240.768 66.998 245.917 85.1088 245.917 105.469C245.917 119.081 243.313 132.457 238.105 145.597C232.896 158.736 223.723 173.295 210.583 189.276C197.563 205.256 179.274 224.609 155.718 247.337L93.0408 311.08V313.565H251.422V368.608H2.13175Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPolicy check\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tI go through your existing contracts \u2014 the German ones you may have signed without fully understanding, plus anything you brought from home \u2014 and tell you plainly what's solid, what's missing, and what you're overpaying for.\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3c56cc elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c3c56cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"268\" height=\"374\" viewBox=\"0 0 268 374\" fill=\"none\"><path d=\"M133.347 373.58C107.779 373.58 85.0515 369.2 65.1651 360.44C45.3971 351.681 29.7721 339.489 18.2901 323.864C6.80812 308.239 0.712004 290.187 0.00177726 269.709H66.7631C67.355 279.534 70.6102 288.115 76.5288 295.454C82.4473 302.675 90.319 308.298 100.144 312.322C109.969 316.347 120.977 318.359 133.169 318.359C146.19 318.359 157.731 316.11 167.793 311.612C177.855 306.996 185.726 300.604 191.408 292.436C197.09 284.268 199.872 274.858 199.753 264.204C199.872 253.196 197.031 243.49 191.23 235.085C185.43 226.681 177.026 220.111 166.017 215.376C155.127 210.642 141.988 208.274 126.6 208.274H94.462V157.493H126.6C139.266 157.493 150.333 155.303 159.803 150.923C169.391 146.544 176.908 140.388 182.353 132.457C187.798 124.408 190.461 115.116 190.343 104.581C190.461 94.2826 188.153 85.3456 183.418 77.7698C178.801 70.0757 172.232 64.098 163.709 59.8366C155.305 55.5752 145.421 53.4445 134.057 53.4445C122.93 53.4445 112.632 55.4568 103.162 59.4815C93.6926 63.5061 86.0576 69.2471 80.2575 76.7045C74.4573 84.0435 71.3796 92.803 71.0245 102.983H7.63672C8.1102 82.6231 13.9696 64.749 25.2148 49.3608C36.5785 33.8541 51.73 21.7802 70.6694 13.1392C89.6088 4.37968 110.856 -5.79357e-05 134.412 -5.79357e-05C158.678 -5.79357e-05 179.748 4.55723 197.623 13.6718C215.615 22.668 229.524 34.8011 239.348 50.071C249.173 65.3408 254.086 82.2087 254.086 100.675C254.204 121.153 248.167 138.317 235.975 152.166C223.901 166.016 208.039 175.071 188.39 179.332V182.173C213.958 185.724 233.548 195.194 247.161 210.582C260.892 225.852 267.698 244.851 267.58 267.578C267.58 287.938 261.78 306.167 250.179 322.266C238.697 338.246 222.836 350.793 202.594 359.908C182.471 369.022 159.389 373.58 133.347 373.58Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMarket comparison\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tI compare the relevant part of the market \u2014 100+ insurers \u2014 and bring you a short list with the reasoning behind it, not just a spreadsheet of premiums.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7ecffd elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c7ecffd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"283\" height=\"364\" viewBox=\"0 0 283 364\" fill=\"none\"><path d=\"M-0.00035359 296.165V243.785L154.297 -2.19345e-05H197.975V74.5739H171.342L67.4712 239.169V242.01H282.848V296.165H-0.00035359ZM173.473 363.636V280.185L174.183 256.747V-2.19345e-05H236.328V363.636H173.473Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tOngoing support\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOnce you're covered, I stay your contact for policy changes, annual reviews and claims. If something happens, you call me \u2014 not a hotline in a country you've never lived in.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-787db2d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"787db2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><section id=\"process\" aria-labelledby=\"h-process\"><div class=\"wrap\"><p class=\"small\">None of these four steps costs you anything. See\u00a0<span style=\"color: #f5a015;\">\u201c<\/span><span style=\"color: #f5a015;\">What does an insurance broker cost in Germany?<\/span>\u201d\u00a0in the FAQ below for how that works.<\/p><\/div><\/section><section class=\"sec-soft\" aria-labelledby=\"h-proof\"><div class=\"wrap\">\u00a0<\/div><\/section><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-540f522 e-flex e-con-boxed e-con e-parent\" data-id=\"540f522\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-308f71a elementor-widget elementor-widget-heading\" data-id=\"308f71a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">What clients say<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cf4992 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4cf4992\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Trust isn't a marketing slogan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-effb5ed elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"effb5ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head center\"><p class=\"lead\">It&#8217;s what happens when someone actually picks up the phone. This is where real client feedback will sit.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f04d09c elementor-widget elementor-widget-shortcode\" data-id=\"f04d09c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"ti-widget ti-wp-testimonial-1 ti-no-logo\" data-layout-id=\"4\" data-layout-category=\"slider\" data-set-id=\"light-background\" data-pid=\"\" data-language=\"de\" data-close-locale=\"Schlie\u00dfen\" data-review-target-width=\"300\" data-css-version=\"2\" data-review-text-mode=\"readmore\" data-reply-by-locale=\"Antwort des Eigent\u00fcmers\" data-only-rating-locale=\"Dieser Nutzer hat lediglich eine Bewertung abgegeben.\" data-pager-autoplay-timeout=\"6\" > <div class=\"ti-widget-container ti-col-3\"> <div class=\"ti-reviews-container\"> <div class=\"ti-controls\"> <div class=\"ti-next\" aria-label=\"N\u00e4chste Bewertung\" role=\"button\" tabindex=\"0\"><\/div> <div class=\"ti-prev\" aria-label=\"Vorherige Bewertung\" role=\"button\" tabindex=\"0\"><\/div> <\/div> <div class=\"ti-reviews-container-wrapper\">  <div class=\"ti-review-item source-Testimonials ti-image-layout-thumbnail\" data-platform-page-url=\"\" data-time=\"\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\" data-rating=\"5\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\">  <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Capture-2026-08-13-115018-60x60.png\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Capture-2026-08-13-115018-60x60.png 2x\" alt=\"Jan Tuskan profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Jan Tuskan <\/div> <div class=\"ti-date\">Trustpilot<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT --><pre class=\"CDS_Typography_appearance-default__da5bc0 CDS_Typography_prettyStyle__da5bc0 CDS_Typography_heading-s__da5bc0\" data-service-review-title-typography=\"true\">Super Nur gute Erfahrungen gemacht. Super Kundenservice. Netter Mensch und kompetente Beratung<\/pre><!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Ausblenden\" data-open-text=\"Weiterlesen\" ><\/span> <\/div> <\/div>  <div class=\"ti-review-item source-Testimonials ti-image-layout-thumbnail\" data-platform-page-url=\"\" data-time=\"\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\" data-rating=\"5\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\">  <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg\" srcset=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg 2x\" alt=\"Christin profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Christin <\/div> <div class=\"ti-date\">Trustpilot<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT --><pre class=\"CDS_Typography_appearance-default__da5bc0 CDS_Typography_prettyStyle__da5bc0 CDS_Typography_heading-xs__da5bc0\" data-service-review-title-typography=\"true\">Kompetente Beratung ohne Schnickschnack<\/pre>\n<p class=\"CDS_Typography_appearance-default__da5bc0 CDS_Typography_prettyStyle__da5bc0 CDS_Typography_body-l__da5bc0\" data-service-review-text-typography=\"true\">Eigentlich hatte ich mir vorgenommen, hier ein lyrisches Meisterwerk als Rezession zu hinterlassen, aber mit Fakten ist man hier besser bedient :)\n\nDas Thema Versicherungen war f\u00fcr mich immer eine Blackbox und ich habe es jahrelang vor mir hergeschoben, was nat\u00fcrlich auch nicht zielf\u00fchrend war.\n\nChris konnte viel Licht in den dichten Versicherungsnebel bringen, hat mir alles super geduldig und ausf\u00fchrlich erkl\u00e4rt und mir die bestm\u00f6glichen Versicherungsoptionen angeboten. Kein Schnickschnack, kein unn\u00f6tiger Quatsch.\n\nSuper kompetent, prima Beratung und bei insure-Germany ist man einfach gut aufgehoben. Merci!<\/p><!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Ausblenden\" data-open-text=\"Weiterlesen\" ><\/span> <\/div> <\/div>  <div class=\"ti-review-item source-Testimonials ti-image-layout-thumbnail\" data-platform-page-url=\"\" data-time=\"\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\" data-rating=\"5\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\">  <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg\" srcset=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg 2x\" alt=\"Anonymous profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Anonymous <\/div> <div class=\"ti-date\">Trustpilot<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Ehrlich gesagt habe ich fr\u00fcher immer versucht, selbst alle Versicherungsanbieter zu finden und alle auftretenden Probleme zu l\u00f6sen. Needless to say, dass ich mehr als genug Zeit daf\u00fcr verschwendet habe und den Ergebnis war nicht optimal.\nIch bin froh, Kundin von Insure-Germany geworden zu sein, denn das ist einfach ein ganz anderes Niveau.\n\nChris hat mir stets ausf\u00fchrliche Beratungen gegeben und auf all meine Fragen vollst\u00e4ndige Antworten gefunden. Nat\u00fcrlich, \u00fcbt er keinen Druck auf meine Entscheidungen aus und ist einer echter Profi.\n\nIch kann Chris jedem empfehlen, der sicherstellen m\u00f6chte, dass alle seine Versicherungen optimal verwaltet werden (und einfach optimal sind).<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Ausblenden\" data-open-text=\"Weiterlesen\" ><\/span> <\/div> <\/div>  <\/div> <div class=\"ti-controls-line\"> <div class=\"dot\"><\/div> <\/div> <\/div> <div class=\"ti-footer\">  <\/div> <div class=\"ti-footer-filter-text\"><!-- FOOTER FILTER TEXT --><\/div>  <\/div> <\/div> <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-372af5d e-con-full e-flex e-con e-child\" data-id=\"372af5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84df0ac elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"84df0ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u00a7 34d GewO Licensed insurance broker<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63c3c51 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"63c3c51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">IHK Registered in the German intermediary register<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3b6a4a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c3b6a4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Professional indemnity In place, as required by law<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc5afc1 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"dc5afc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">GDPR-compliant Your data is never sold on<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f280b9 e-flex e-con-boxed e-con e-parent\" data-id=\"3f280b9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a454150 e-con-full e-flex e-con e-child\" data-id=\"a454150\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bab7bd8 elementor-widget elementor-widget-heading\" data-id=\"bab7bd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Where we advise<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a74043 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4a74043\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Based in Mannheim, working across Germany\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90baa7c elementor-widget elementor-widget-text-editor\" data-id=\"90baa7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Most of my in-person meetings happen within about 50 km of Mannheim \u2014 Ludwigshafen, Heidelberg, Speyer, Weinheim, the whole Rhine-Neckar area. If you&#8217;d rather talk at your kitchen table than fill in a web form, that&#8217;s the appeal of working locally, and it&#8217;s still how I prefer to work when I can.<\/p><p>Everything that doesn&#8217;t need to happen in person, doesn&#8217;t: video calls, digital signatures, contract management online. That&#8217;s why clients outside the region \u2014 and expats anywhere in Germany \u2014 get exactly the same service, just over a screen instead of a coffee table.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6fe5d9 e-con-full e-flex e-con e-child\" data-id=\"b6fe5d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d8c2257 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d8c2257\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mannheim<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-526ebbb elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"526ebbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ludwigshafen<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9fa95af elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9fa95af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Heidelberg<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07ae9c3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"07ae9c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Frankfurt<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a82b4f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8a82b4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Speyer<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-daf1f4f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"daf1f4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Schwetzingen<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecf6a69 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ecf6a69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Viernheim<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d053607 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d053607\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Germany-wide by video<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b819a4 e-con-full e-flex e-con e-child\" data-id=\"2b819a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-83706d1 e-con-full e-flex e-con e-child\" data-id=\"83706d1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-198da78 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"198da78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A few quick answers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1fb0fd elementor-widget elementor-widget-icon-box\" data-id=\"f1fb0fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tHow far do you travel?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAround 50 km from Mannheim for in-person meetings. Beyond that, video calls cover exactly the same ground.\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc11406 elementor-widget elementor-widget-icon-box\" data-id=\"cc11406\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWhat does it cost?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNothing. I'm paid via commission that's already built into your premium, whether you use a broker or not.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a1e6fe elementor-widget elementor-widget-icon-box\" data-id=\"4a1e6fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tDo I have to switch my existing policies?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNo. If a policy you already have is genuinely good, I'll tell you to keep it. I only recommend changes where they're actually worth making.\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-271969e e-flex e-con-boxed e-con e-parent\" data-id=\"271969e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07ac060 elementor-widget elementor-widget-menu-anchor\" data-id=\"07ac060\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"fa\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56f2910 elementor-widget elementor-widget-heading\" data-id=\"56f2910\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Questions before you call<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27b06ee elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"27b06ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently asked questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b78d25b elementor-widget elementor-widget-html\" data-id=\"b78d25b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* ============================================================\n   FAQ \u2013 insure-Germany\n   ============================================================ *\/\n\n.ig-faq-wrap{\n  --accent:#F5A015;\n  --text-1:#1A1A1A;\n  --text-2:#4A4A4A;\n  --border:#E5E5E5;\n  --radius-sm:10px;\n\n  font-family:'Poppins',Arial,Helvetica,sans-serif;\n\n  width:100% !important;\n  max-width:840px !important;\n  min-width:0 !important;\n\n  margin:0 auto !important;\n  display:block !important;\n\n  box-sizing:border-box !important;\n}\n\n.ig-faq-wrap *,\n.ig-faq-wrap *::before,\n.ig-faq-wrap *::after{\n  box-sizing:border-box;\n}\n\n.ig-faq-wrap .faq{\n  width:100% !important;\n  max-width:100% !important;\n  min-width:0 !important;\n\n  margin:0 !important;\n  display:block !important;\n}\n\n.ig-faq-wrap .faq details{\n  display:block !important;\n\n  width:100% !important;\n  max-width:100% !important;\n  min-width:0 !important;\n\n  background:#fff;\n  border:1px solid var(--border);\n  border-radius:var(--radius-sm);\n\n  margin:0 0 12px 0 !important;\n\n  overflow:hidden;\n}\n\n.ig-faq-wrap .faq summary{\n  display:block !important;\n\n  width:100% !important;\n  max-width:100% !important;\n  min-width:0 !important;\n\n  cursor:pointer;\n  list-style:none;\n\n  padding:19px 54px 19px 22px;\n\n  font-weight:500;\n  font-size:1.02rem;\n  line-height:1.6;\n\n  position:relative;\n  color:var(--text-1);\n}\n\n.ig-faq-wrap .faq summary::-webkit-details-marker{\n  display:none;\n}\n\n.ig-faq-wrap .faq summary::after{\n  content:\"+\";\n  position:absolute;\n  right:22px;\n  top:50%;\n\n  transform:translateY(-50%);\n\n  font-size:1.4rem;\n  font-weight:400;\n  color:var(--accent);\n  line-height:1;\n}\n\n.ig-faq-wrap .faq details[open] summary::after{\n  content:\"\u2013\";\n}\n\n.ig-faq-wrap .faq details[open] summary{\n  color:var(--accent);\n}\n\n.ig-faq-wrap .faq .a{\n  display:block;\n\n  width:100% !important;\n  max-width:100% !important;\n  min-width:0 !important;\n\n  padding:0 22px 20px;\n\n  color:var(--text-2);\n  font-size:.95rem;\n  line-height:1.6;\n\n  overflow-wrap:break-word;\n  word-break:normal;\n}\n\n.ig-faq-wrap .faq .a p{\n  width:100%;\n  max-width:100%;\n\n  margin:0 0 1rem;\n}\n\n.ig-faq-wrap .faq .a p:last-child{\n  margin-bottom:0;\n}\n\n\/* Wichtig f\u00fcr Elementor HTML Widget *\/\n.elementor-widget-html:has(.ig-faq-wrap),\n.elementor-widget-html:has(.ig-faq-wrap) .elementor-widget-container{\n  width:100% !important;\n  max-width:840px !important;\n  min-width:0 !important;\n\n  margin-left:auto !important;\n  margin-right:auto !important;\n}\n<\/style>\n\n<div class=\"ig-faq-wrap\">\n\n<div class=\"faq\">\n\n<details open>\n<summary>What does an insurance broker cost in Germany?<\/summary>\n<div class=\"a\">\n<p>\nNothing, in the sense that matters: you don't pay me a fee directly. Brokers are paid via commission (<span lang=\"de\">Courtage<\/span>) that insurers already factor into the premium \u2014 the same premium whether you buy through a broker, an agent, or directly. Working with a broker doesn't make your policy more expensive.\n<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>What's the difference between a broker and a tied agent?<\/summary>\n<div class=\"a\">\n<p>\nAn independent broker (<span lang=\"de\">Versicherungsmakler<\/span>, licensed under \u00a7 34d GewO) legally represents you and compares the whole market. A tied agent (<span lang=\"de\">Versicherungsvertreter<\/span>) represents one insurance company and can only sell that company's products, however well or badly they fit your situation.\n<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>Do you advise only in English, or German too?<\/summary>\n<div class=\"a\">\n<p>\nBoth. Advice, documents and follow-up communication happen in whichever language works better for you \u2014 often a mix, since some German paperwork doesn't translate cleanly.\n<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>Which insurance is mandatory in Germany?<\/summary>\n<div class=\"a\">\n<p>\nHealth insurance from the day you register your address, statutory pension contributions if you're employed, and car insurance if you own a vehicle. Dog liability insurance is also mandatory in several federal states. Everything else \u2014 personal liability, household, legal cover, pension top-ups \u2014 is optional, though most German households carry the first two anyway.\n<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>I don't live near Mannheim \u2014 can you still advise me?<\/summary>\n<div class=\"a\">\n<p>\nYes. In-person meetings happen within roughly 50 km of Mannheim, but video consultations work identically for clients anywhere in Germany and cover exactly the same ground as sitting across a table.\n<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>What actually happens on the first call?<\/summary>\n<div class=\"a\">\n<p>\nWe talk through your situation \u2014 what cover you already have, what you're missing, and what's genuinely urgent versus what can wait. It's thirty minutes, free, and there's no obligation to continue afterwards.\n<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>Why not just use Check24 or another comparison portal?<\/summary>\n<div class=\"a\">\n<p>\nPortals are built to rank premiums, not to read the exclusions in the policy wording or understand your specific situation \u2014 your visa status, pre-existing conditions, or whether you're employed or self-employed. For simple products like car insurance, that's fine. For health insurance, income protection or legal cover, it usually isn't.\n<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>Do I need to cancel my existing policies to work with you?<\/summary>\n<div class=\"a\">\n<p>\nNo. I review what you already have first. If something is solid, it stays exactly as it is. I only suggest changes where the current cover has a real gap or is genuinely overpriced for what it does.\n<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>How quickly can I get an appointment?<\/summary>\n<div class=\"a\">\n<p>\nUsually within a few working days. The first call is thirty minutes, by phone, video, or in person if you're near Mannheim.\n<\/p>\n<\/div>\n<\/details>\n\n<\/div>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-07a1dcd e-flex e-con-boxed e-con e-parent\" data-id=\"07a1dcd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7037cdc elementor-widget elementor-widget-heading\" data-id=\"7037cdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">MARKET-WIDE COMPARISON<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1feabed elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1feabed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">One broker. More choice.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bca95a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8bca95a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head\"><p class=\"p1\">We\u2019re not tied to a single insurance company. We compare solutions from a broad range of established insurers in Germany to find cover that fits your situation \u2014 not a product we\u2019re required to sell.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f85de39 elementor-widget elementor-widget-html\" data-id=\"f85de39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.ig-marquee{\n  background:#FFFFFF;\n  padding:2.5rem 0;\n  position:relative;\n  overflow:hidden;\n  width:100%;\n}\n\n.ig-marquee::before,\n.ig-marquee::after{\n  content:'';\n  position:absolute;\n  top:0;\n  bottom:0;\n  width:180px;\n  z-index:5;\n  pointer-events:none;\n}\n\n.ig-marquee::before{\n  left:0;\n  background:linear-gradient(\n    to right,\n    #FFFFFF 0%,\n    rgba(255,255,255,0) 100%\n  );\n}\n\n.ig-marquee::after{\n  right:0;\n  background:linear-gradient(\n    to left,\n    #FFFFFF 0%,\n    rgba(255,255,255,0) 100%\n  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<img decoding=\"async\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Versicherungsfirma9.webp\" alt=\"\" loading=\"lazy\">\n    <\/div>\n\n    <div class=\"ig-marquee-item\" aria-hidden=\"true\">\n      <img decoding=\"async\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Versicherungsfirma10.webp\" alt=\"\" loading=\"lazy\">\n    <\/div>\n\n  <\/div>\n\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9bb74e5 e-flex e-con-boxed e-con e-parent\" data-id=\"9bb74e5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d82a7df elementor-widget elementor-widget-heading\" data-id=\"d82a7df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Get in touch<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfe2f85 elementor-widget elementor-widget-heading\" data-id=\"bfe2f85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Let's talk for thirty minutes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5002e38 elementor-widget elementor-widget-text-editor\" data-id=\"5002e38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-head\"><p class=\"lead\">No cost, no obligation, and no sales script. If I&#8217;m not the right person to help, I&#8217;ll tell you that too \u2014 and point you towards who is.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77a3751 e-grid e-con-full e-con e-child\" data-id=\"77a3751\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bd7f353 e-con-full e-flex e-con e-child\" data-id=\"bd7f353\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-cfb96ea e-con-full e-flex e-con e-child\" data-id=\"cfb96ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8068eaf elementor-widget elementor-widget-image\" data-id=\"8068eaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118.webp\" class=\"attachment-large size-large wp-image-251\" alt=\"\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118.webp 800w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-300x300.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-150x150.webp 150w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-768x768.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-12x12.webp 12w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b82ed0 elementor-widget elementor-widget-icon-box\" data-id=\"3b82ed0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tChristian Keller\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIndependent insurance broker \u00b7 \u00a7 34d GewO\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2eea23 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"e2eea23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEmail\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tc.keller@insure-germany.com\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55a5cac elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"55a5cac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-map-marker-alt\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M172.268 501.67C26.97 291.031 0 269.413 0 192 0 85.961 85.961 0 192 0s192 85.961 192 192c0 77.413-26.97 99.031-172.268 309.67-9.535 13.774-29.93 13.773-39.464 0zM192 272c44.183 0 80-35.817 80-80s-35.817-80-80-80-80 35.817-80 80 35.817 80 80 80z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAddress\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSophienstra\u00dfe 15, 68165 Mannheim\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06230ec elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"06230ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-clock\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256,8C119,8,8,119,8,256S119,504,256,504,504,393,504,256,393,8,256,8Zm92.49,313h0l-20,25a16,16,0,0,1-22.49,2.5h0l-67-49.72a40,40,0,0,1-15-31.23V112a16,16,0,0,1,16-16h32a16,16,0,0,1,16,16V256l58,42.5A16,16,0,0,1,348.49,321Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tHours\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMon\u2013Fri 09:00\u201318:00\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71a56a0 elementor-widget elementor-widget-text-editor\" data-id=\"71a56a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"s1\">Flexible appointments by arrangement<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c0b927 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"4c0b927\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-language\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M152.1 236.2c-3.5-12.1-7.8-33.2-7.8-33.2h-.5s-4.3 21.1-7.8 33.2l-11.1 37.5H163zM616 96H336v320h280c13.3 0 24-10.7 24-24V120c0-13.3-10.7-24-24-24zm-24 120c0 6.6-5.4 12-12 12h-11.4c-6.9 23.6-21.7 47.4-42.7 69.9 8.4 6.4 17.1 12.5 26.1 18 5.5 3.4 7.3 10.5 4.1 16.2l-7.9 13.9c-3.4 5.9-10.9 7.8-16.7 4.3-12.6-7.8-24.5-16.1-35.4-24.9-10.9 8.7-22.7 17.1-35.4 24.9-5.8 3.5-13.3 1.6-16.7-4.3l-7.9-13.9c-3.2-5.6-1.4-12.8 4.2-16.2 9.3-5.7 18-11.7 26.1-18-7.9-8.4-14.9-17-21-25.7-4-5.7-2.2-13.6 3.7-17.1l6.5-3.9 7.3-4.3c5.4-3.2 12.4-1.7 16 3.4 5 7 10.8 14 17.4 20.9 13.5-14.2 23.8-28.9 30-43.2H412c-6.6 0-12-5.4-12-12v-16c0-6.6 5.4-12 12-12h64v-16c0-6.6 5.4-12 12-12h16c6.6 0 12 5.4 12 12v16h64c6.6 0 12 5.4 12 12zM0 120v272c0 13.3 10.7 24 24 24h280V96H24c-13.3 0-24 10.7-24 24zm58.9 216.1L116.4 167c1.7-4.9 6.2-8.1 11.4-8.1h32.5c5.1 0 9.7 3.3 11.4 8.1l57.5 169.1c2.6 7.8-3.1 15.9-11.4 15.9h-22.9a12 12 0 0 1-11.5-8.6l-9.4-31.9h-60.2l-9.1 31.8c-1.5 5.1-6.2 8.7-11.5 8.7H70.3c-8.2 0-14-8.1-11.4-15.9z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLanguages\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEnglish &amp; German\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77b996d e-con-full e-flex e-con e-child\" data-id=\"77b996d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-094f539 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"094f539\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book your free call<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33e6b3e elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"33e6b3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Report a claim<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e21f9d e-con-full e-flex e-con e-child\" data-id=\"0e21f9d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fc426f elementor-widget elementor-widget-heading\" data-id=\"7fc426f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What you can expect from me<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88d62f7 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"88d62f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A reply to your enquiry within one working day.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A first conversation that costs nothing and commits you to nothing.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A straight answer, even when it's \u201cleave your current policy exactly as it is.\u201d<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Your data stays with us \u2014 no selling it on, GDPR-compliant handling throughout.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">The same contact after you sign as before you signed.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfd848e elementor-widget elementor-widget-text-editor\" data-id=\"cfd848e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<main><\/main><section id=\"contact\" aria-labelledby=\"h-contact\"><div class=\"wrap\"><div class=\"contact\"><div><p class=\"small\">Already a client? Go straight to\u00a0<span style=\"color: #f5a015;\"><a style=\"color: #f5a015;\" href=\"https:\/\/insure-germany.com\/contact\/\">Report a claim<\/a><\/span>\u00a0or\u00a0<span style=\"color: #f5a015;\"><a style=\"color: #f5a015;\" href=\"\/en\/change-request\">Request a change<\/a><\/span>\u00a0instead of starting a new enquiry.<\/p><\/div><\/div><\/div><\/section><footer class=\"footer\"><div class=\"wrap\"><div class=\"footer-grid\"><div><div class=\"footer-logo\">\u00a0<\/div><\/div><\/div><\/div><\/footer>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4814ae3 elementor-widget elementor-widget-html\" data-id=\"4814ae3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<iframe src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d1265.6728848687808!2d8.48238150010811!3d49.48265449676843!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x4797cf0421a99e9f%3A0x785caf631ee96bde!2sAureum%20Finanzhaus%20GmbH!5e1!3m2!1sde!2sde!4v1786292851350!5m2!1sde!2sde\" width=\"600\" height=\"250\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"strict-origin-when-cross-origin\"><\/iframe>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-431bfab e-flex e-con-boxed e-con e-parent\" data-id=\"431bfab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6829eda elementor-widget elementor-widget-html\" data-id=\"6829eda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* ============================================================\n   INSURE GERMANY \u2013 STICKY HEADER + DROPDOWN STACKING FIX\n   ============================================================ *\/\n\n\n\/* ============================================================\n   1. PREHEADER\n   ============================================================ *\/\n\n#ig-preheader {\n  position: relative;\n  z-index: 50001;\n}\n\n\n\/* ============================================================\n   2. OUTER HEADER \/ UAE HEADER FOOTER BUILDER\n   Wichtig: gesamter Header muss \u00fcber #ig-tabnav liegen\n   ============================================================ *\/\n\n.site-header,\n#masthead,\n.elementor-location-header,\n.hfe-site-header,\n.hfe-header,\n.elementor-header {\n  position: relative;\n  z-index: 50000 !important;\n  overflow: visible !important;\n}\n\n\n\/* ============================================================\n   3. MAIN HEADER\n   Elementor Container besitzt CSS-ID: ig-header\n   ============================================================ *\/\n\n#ig-header {\n  position: relative;\n\n  z-index: 50000 !important;\n\n  width: 100%;\n\n  overflow: visible !important;\n\n  background: rgba(255,255,255,.96);\n\n  backdrop-filter: blur(10px);\n  -webkit-backdrop-filter: blur(10px);\n\n  border-bottom: 1px solid rgba(0,0,0,.08);\n\n  transition:\n    box-shadow .3s ease,\n    background .3s ease;\n}\n\n\n\/* Sticky \/ Fixed State *\/\n\n#ig-header.ig-fixed {\n  position: fixed;\n\n  left: 0;\n  right: 0;\n\n  z-index: 50000 !important;\n\n  box-shadow: 0 2px 20px rgba(0,0,0,.08);\n}\n\n\n\/* ============================================================\n   4. HEADER PLACEHOLDER\n   Verhindert Layout-Sprung beim Fixieren\n   ============================================================ *\/\n\n#ig-header-placeholder {\n  display: none;\n  width: 100%;\n}\n\n\n\/* ============================================================\n   5. ELEMENTOR \/ UAE WRAPPER\n   Dropdown darf nicht durch Parent-Container abgeschnitten werden\n   ============================================================ *\/\n\n#ig-header,\n#ig-header .e-con,\n#ig-header .e-con-inner,\n#ig-header .elementor,\n#ig-header .elementor-element,\n#ig-header .elementor-widget,\n#ig-header .elementor-widget-container {\n  overflow: visible !important;\n}\n\n\n\/* ============================================================\n   6. UAE \/ WORDPRESS DROPDOWN\n   ============================================================ *\/\n\n#ig-header .sub-menu,\n#ig-header ul.sub-menu,\n#ig-header .uael-sub-menu,\n#ig-header .uael-nav-menu__submenu {\n  z-index: 60000 !important;\n}\n\n\n\/* Manche UAE Versionen erzeugen zus\u00e4tzliche Wrapper *\/\n\n#ig-header .uael-nav-menu,\n#ig-header .uael-nav-menu__toggle,\n#ig-header .uael-nav-menu__container,\n#ig-header .uael-nav-menu__layout-horizontal {\n  position: relative;\n  z-index: 55000 !important;\n  overflow: visible !important;\n}\n\n\n\/* ============================================================\n   7. SECONDARY STICKY TAB NAV\n   Muss unter dem Main Header + Dropdown liegen\n   ============================================================ *\/\n\n#ig-tabnav,\n#ig-tabnav.ig-tab-fixed {\n  z-index: 5000 !important;\n}\n\n\n\/* ============================================================\n   8. ELEMENTOR EDITOR\n   Im Editor Header nicht fixieren\n   ============================================================ *\/\n\nbody.elementor-editor-active #ig-header {\n  position: relative !important;\n  top: auto !important;\n}\n\nbody.elementor-editor-active #ig-header-placeholder {\n  display: none !important;\n}\n\n<\/style>\n\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function () {\n\n  const header = document.getElementById('ig-header');\n  const preheader = document.getElementById('ig-preheader');\n\n  if (!header) return;\n\n\n  \/* ==========================================================\n     PLACEHOLDER ERSTELLEN\n     ========================================================== *\/\n\n  let placeholder = document.getElementById('ig-header-placeholder');\n\n  if (!placeholder) {\n\n    placeholder = document.createElement('div');\n\n    placeholder.id = 'ig-header-placeholder';\n\n    header.parentNode.insertBefore(\n      placeholder,\n      header\n    );\n\n  }\n\n\n  \/* ==========================================================\n     WORDPRESS ADMIN BAR\n     ========================================================== *\/\n\n  function getAdminBarHeight() {\n\n    const adminBar =\n      document.getElementById('wpadminbar');\n\n    if (!adminBar) {\n      return 0;\n    }\n\n    if (\n      window.getComputedStyle(adminBar).display === 'none'\n    ) {\n      return 0;\n    }\n\n    return adminBar.offsetHeight;\n\n  }\n\n\n  \/* ==========================================================\n     ORIGINAL HEADER POSITION\n     ========================================================== *\/\n\n  let headerTrigger = null;\n\n  function calculateTrigger() {\n\n    \/*\n     Wenn ein Preheader vorhanden ist:\n     Header wird sticky sobald der Preheader\n     aus dem sichtbaren Bereich gescrollt wurde.\n    *\/\n\n    if (preheader) {\n\n      let element = preheader;\n      let top = 0;\n\n      while (element) {\n\n        top += element.offsetTop || 0;\n\n        element = element.offsetParent;\n\n      }\n\n      headerTrigger =\n        top + preheader.offsetHeight;\n\n      return;\n\n    }\n\n\n    \/*\n     Falls kein Preheader vorhanden ist,\n     urspr\u00fcngliche Position des Headers verwenden.\n    *\/\n\n    let element = header;\n    let top = 0;\n\n    while (element) {\n\n      top += element.offsetTop || 0;\n\n      element = element.offsetParent;\n\n    }\n\n    headerTrigger = top;\n\n  }\n\n\n  \/* ==========================================================\n     STICKY HEADER LOGIK\n     ========================================================== *\/\n\n  function updateHeader() {\n\n    \/*\n     Elementor Editor:\n     keine Sticky-Funktion ausf\u00fchren.\n    *\/\n\n    if (\n      document.body.classList.contains(\n        'elementor-editor-active'\n      )\n    ) {\n      return;\n    }\n\n\n    if (headerTrigger === null) {\n      calculateTrigger();\n    }\n\n\n    const adminHeight =\n      getAdminBarHeight();\n\n\n    if (\n      window.scrollY >=\n      (headerTrigger - adminHeight)\n    ) {\n\n      \/*\n       Placeholder h\u00e4lt den urspr\u00fcnglichen\n       Platz des Headers im Dokument.\n      *\/\n\n      placeholder.style.height =\n        header.offsetHeight + 'px';\n\n      placeholder.style.display =\n        'block';\n\n\n      \/*\n       Header fixieren.\n      *\/\n\n      header.classList.add(\n        'ig-fixed'\n      );\n\n\n      \/*\n       Unterhalb WordPress Admin Bar positionieren.\n      *\/\n\n      header.style.top =\n        adminHeight + 'px';\n\n    }\n\n    else {\n\n      \/*\n       Header wieder in normalen Flow setzen.\n      *\/\n\n      header.classList.remove(\n        'ig-fixed'\n      );\n\n      header.style.top =\n        '';\n\n\n      \/*\n       Placeholder entfernen.\n      *\/\n\n      placeholder.style.display =\n        'none';\n\n      placeholder.style.height =\n        '0px';\n\n    }\n\n  }\n\n\n  \/* ==========================================================\n     INITIALISIERUNG\n     ========================================================== *\/\n\n  setTimeout(function () {\n\n    headerTrigger = null;\n\n    calculateTrigger();\n\n    updateHeader();\n\n  }, 300);\n\n\n  updateHeader();\n\n\n  \/* ==========================================================\n     SCROLL\n     ========================================================== *\/\n\n  window.addEventListener(\n    'scroll',\n    updateHeader,\n    { passive: true }\n  );\n\n\n  \/* ==========================================================\n     RESIZE\n     ========================================================== *\/\n\n  window.addEventListener(\n    'resize',\n    function () {\n\n      \/*\n       Positionen und H\u00f6hen k\u00f6nnen sich\n       beim Responsive Breakpoint \u00e4ndern.\n      *\/\n\n      headerTrigger = null;\n\n      calculateTrigger();\n\n      updateHeader();\n\n    }\n  );\n\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-690f0d6 elementor-widget elementor-widget-html\" data-id=\"690f0d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* ============================================================\n   INSURE GERMANY \u2013 MOBILE \/ TABLET STICKY HEADER\n   CSS-ID des mobilen Header-Containers:\n   ig-header-mobile\n   ============================================================ *\/\n\n#ig-header-mobile{\n  position:relative;\n  z-index:50000 !important;\n\n  width:100%;\n\n  background:rgba(255,255,255,.96);\n\n  backdrop-filter:blur(10px);\n  -webkit-backdrop-filter:blur(10px);\n\n  border-bottom:1px solid rgba(0,0,0,.08);\n\n  overflow:visible !important;\n\n  transition:\n    box-shadow .3s ease,\n    background .3s ease;\n}\n\n\n\/* Sticky State *\/\n#ig-header-mobile.ig-mobile-fixed{\n  position:fixed;\n\n  left:0;\n  right:0;\n\n  z-index:50000 !important;\n\n  box-shadow:0 2px 18px rgba(0,0,0,.08);\n}\n\n\n\/* Placeholder verhindert Layout-Sprung *\/\n#ig-header-mobile-placeholder{\n  display:none;\n  width:100%;\n}\n\n\n\/* Elementor Wrapper offen halten *\/\n#ig-header-mobile .e-con,\n#ig-header-mobile .e-con-inner,\n#ig-header-mobile .elementor-element,\n#ig-header-mobile .elementor-widget,\n#ig-header-mobile .elementor-widget-container{\n  overflow:visible !important;\n}\n\n\n\/* Elementor Editor *\/\nbody.elementor-editor-active #ig-header-mobile{\n  position:relative !important;\n  top:auto !important;\n}\n\nbody.elementor-editor-active #ig-header-mobile-placeholder{\n  display:none !important;\n}\n\n\n\/* Nur Tablet + Mobile *\/\n@media(min-width:1025px){\n\n  #ig-header-mobile,\n  #ig-header-mobile-placeholder{\n    display:none !important;\n  }\n\n}\n<\/style>\n\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function () {\n\n  const header =\n    document.getElementById('ig-header-mobile');\n\n  if (!header) return;\n\n\n  \/* ==========================================================\n     Placeholder\n     ========================================================== *\/\n\n  let placeholder =\n    document.getElementById(\n      'ig-header-mobile-placeholder'\n    );\n\n  if (!placeholder) {\n\n    placeholder =\n      document.createElement('div');\n\n    placeholder.id =\n      'ig-header-mobile-placeholder';\n\n    header.parentNode.insertBefore(\n      placeholder,\n      header\n    );\n\n  }\n\n\n  \/* ==========================================================\n     WordPress Admin Bar\n     ========================================================== *\/\n\n  function getAdminBarHeight(){\n\n    const bar =\n      document.getElementById('wpadminbar');\n\n    if (!bar) return 0;\n\n    if (\n      window.getComputedStyle(bar).display === 'none'\n    ){\n      return 0;\n    }\n\n    return bar.offsetHeight;\n\n  }\n\n\n  \/* ==========================================================\n     Header Original Position\n     ========================================================== *\/\n\n  let triggerTop = null;\n\n\n  function calculateTrigger(){\n\n    let element = header;\n    let top = 0;\n\n    while(element){\n\n      top += element.offsetTop || 0;\n\n      element = element.offsetParent;\n\n    }\n\n    triggerTop = top;\n\n  }\n\n\n  \/* ==========================================================\n     Sticky Logic\n     ========================================================== *\/\n\n  function updateMobileHeader(){\n\n    \/*\n      Desktop nicht bearbeiten\n    *\/\n    if(window.innerWidth > 1024){\n\n      header.classList.remove(\n        'ig-mobile-fixed'\n      );\n\n      header.style.top = '';\n\n      placeholder.style.display =\n        'none';\n\n      placeholder.style.height =\n        '0px';\n\n      return;\n    }\n\n\n    \/*\n      Elementor Editor\n    *\/\n    if(\n      document.body.classList.contains(\n        'elementor-editor-active'\n      )\n    ){\n      return;\n    }\n\n\n    if(triggerTop === null){\n      calculateTrigger();\n    }\n\n\n    const adminHeight =\n      getAdminBarHeight();\n\n\n    if(\n      window.scrollY >=\n      (triggerTop - adminHeight)\n    ){\n\n      placeholder.style.height =\n        header.offsetHeight + 'px';\n\n      placeholder.style.display =\n        'block';\n\n      header.classList.add(\n        'ig-mobile-fixed'\n      );\n\n      header.style.top =\n        adminHeight + 'px';\n\n    }\n\n    else{\n\n      header.classList.remove(\n        'ig-mobile-fixed'\n      );\n\n      header.style.top = '';\n\n      placeholder.style.display =\n        'none';\n\n      placeholder.style.height =\n        '0px';\n\n    }\n\n  }\n\n\n  \/* ==========================================================\n     Initial\n     ========================================================== *\/\n\n  setTimeout(function(){\n\n    triggerTop = null;\n\n    calculateTrigger();\n\n    updateMobileHeader();\n\n  },300);\n\n\n  updateMobileHeader();\n\n\n  \/* ==========================================================\n     Scroll\n     ========================================================== *\/\n\n  window.addEventListener(\n    'scroll',\n    updateMobileHeader,\n    {passive:true}\n  );\n\n\n  \/* ==========================================================\n     Resize\n     ========================================================== *\/\n\n  window.addEventListener(\n    'resize',\n    function(){\n\n      triggerTop = null;\n\n      calculateTrigger();\n\n      updateMobileHeader();\n\n    }\n  );\n\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13b35d0 elementor-widget elementor-widget-html\" data-id=\"13b35d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* ============================================================\n   INSURE GERMANY \u2013 STICKY TAB NAV\n   ============================================================ *\/\n\n#ig-tabnav {\n  display: flex !important;\n  flex-wrap: nowrap !important;\n  align-items: center !important;\n\n  position: relative;\n  z-index: 9999;\n\n  width: 100%;\n\n  background: rgba(255,255,255,.96);\n\n  backdrop-filter: blur(10px);\n  -webkit-backdrop-filter: blur(10px);\n\n  border-bottom: 1px solid rgba(0,0,0,.08);\n\n  transition:\n    box-shadow .3s ease,\n    background .3s ease;\n}\n\n\n\/* Sticky state *\/\n#ig-tabnav.ig-tab-fixed {\n  position: fixed;\n  left: 0;\n  right: 0;\n  z-index: 9999;\n\n  box-shadow: 0 2px 12px rgba(0,0,0,.06);\n}\n\n\n\/* Placeholder prevents layout jump *\/\n#ig-tabnav-placeholder {\n  display: none;\n  width: 100%;\n}\n\n\n\/* Elementor Editor *\/\nbody.elementor-editor-active #ig-tabnav {\n  position: relative !important;\n}\n\nbody.elementor-editor-active #ig-tabnav-placeholder {\n  display: none !important;\n}\n\n\n\/* ============================================================\n   ACTIVE TAB\n   ============================================================ *\/\n\n\/* normal *\/\n#ig-tabnav a,\n#ig-tabnav .elementor-button-text {\n  transition: color .25s ease;\n}\n\n\/* active Elementor button *\/\n#ig-tabnav .ig-tab-active .elementor-button-text,\n#ig-tabnav .ig-tab-active a {\n  color: #F5A015 !important;\n}\n\n\n\/* ============================================================\n   HORIZONTAL SCROLL\n   ============================================================ *\/\n\n.ig-tab-scroll,\n.elementor-container.ig-tab-scroll,\n.e-container.ig-tab-scroll,\n.e-flex.ig-tab-scroll {\n\n  overflow-x: auto !important;\n  overflow-y: hidden !important;\n\n  flex-wrap: nowrap !important;\n\n  -webkit-overflow-scrolling: touch !important;\n\n  scrollbar-width: none !important;\n  -ms-overflow-style: none !important;\n\n  scroll-behavior: smooth;\n}\n\n\n\/* Hide scrollbar *\/\n.ig-tab-scroll::-webkit-scrollbar,\n.elementor-container.ig-tab-scroll::-webkit-scrollbar,\n.e-container.ig-tab-scroll::-webkit-scrollbar,\n.e-flex.ig-tab-scroll::-webkit-scrollbar {\n  display: none !important;\n}\n\n\n\/* Children never wrap *\/\n.ig-tab-scroll > *,\n.elementor-container.ig-tab-scroll > .elementor-column,\n.e-container.ig-tab-scroll > .e-con,\n.e-flex.ig-tab-scroll > .e-con {\n\n  flex-shrink: 0 !important;\n\n  width: auto !important;\n  min-width: max-content !important;\n}\n\n\n\/* ============================================================\n   MOBILE\n   ============================================================ *\/\n\n@media (max-width: 767px) {\n\n  #ig-tabnav {\n    overflow: hidden;\n  }\n\n  .ig-tab-scroll {\n    justify-content: flex-start !important;\n\n    padding-left: 14px;\n    padding-right: 14px;\n\n    gap: 8px;\n  }\n\n}\n<\/style>\n\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function () 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The Whole Market. No Sales Script. You didn&#8217;t move to Germany to become an expert in\u00a0Sozialversicherung. An independent broker compares the whole market for you, explains what each policy actually covers, and stays on the other end of the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":340,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-11","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/comments?post=11"}],"version-history":[{"count":10,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/11\/revisions"}],"predecessor-version":[{"id":1474,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/11\/revisions\/1474"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/media\/340"}],"wp:attachment":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/media?parent=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}