It's 100% FREE. Christian’s services are provided at no additional cost to you, ensuring you get unbiased advice without extra fees.

Life insurance provides financial security for your loved ones in case of your passing, covering expenses like mortgages, education, and living costs.

The amount depends on your family’s financial needs and obligations. Christian can help you determine the right amount.

Yes, expats can access life insurance in Germany. Christian specializes in helping English-speaking expats find the right coverage.

Choosing an independent agent offers considerable advantages, especially in terms of legal status and independent market position. Unlike insurance advisors, who act as representatives of one or more insurance companies and primarily broker their products, as a broker I am legally bound only to your interests. This means that I act as your authorised representative and must always select the best options for you, regardless of the interests of a specific insurance company. The legal obligation to provide advice to the best of my knowledge and belief and my personal liability also emphasise the responsibility I bear as a broker. These framework conditions create a basis of trust and ensure that your interests are prioritised. As an independent insurance agent, I offer you comprehensive, unbiased advice and support tailored to your personal situation and wishes, based on my legal and market independence.

Of course, my independence allows me to compare offers from different insurers and choose the best solution for you, but that's only half the story. My service for you goes far beyond analysing the market, because I support you in managing your contracts and if you ever have a claim, I will personally take care of the handling. My service is not just providing the insurance you sign up for, it's providing the service so you receive your refund or claim when you need it.

Behind insure-Germany is me, Christian Keller, and I have been working in the insurance industry since I was 18 years old and have been able to get to know it from various perspectives. I started my career in the financial sector at a structural sales company in Hamburg, which I left as the youngest sales manager in the company's history to specialise in personal income protection. A completely new perspective for me was the move to an insurtech in Heidelberg, which I was able to support in providing overall advice to English-speaking customers. During this time, I realised for myself that the service concept that I wanted to offer and implement did not exist in structural sales or in the start-up world, and so the idea of insure-Germany was born. If you would like to find out more about me, my career or services, please visit LinkedIn or book an appointment with me.

As an independent insurance broker, I am paid a commission that I receive from the insurance companies after successfully brokering an insurance contract. This commission is usually calculated as a percentage of the insurance premium. However, for certain products, especially long-term insurance contracts, e.g. pension products, there is a special rule: If the contract is cancelled prematurely within the first five years, I as a independent agent must repay the brokerage received to the insurer on a pro rata basis. This ensures that, as a broker, I act in the best interests of my customers and offer them suitable long-term solutions instead of just pursuing short-term deals. The consultation itself naturally takes some time, but this investment can pay off considerably in the long term.

You would receive basic dental insurance through a standard public health plan or you can choose private dental insurance via a supplementary dental insurance plan. Think of it like an add-on to your public health plan. Alternatively, you can get a a private health insurance plan that covers dental and other health-related services for the best coverage. insure-Germany are your go-to and will help you find (and choose) the best option for you.

Public insurance covers basic procedures with limitations, while private dental insurance (or supplementary insurance) provides more comprehensive coverage. insure-Germany can help you understand the differences and choose the best option suited to your needs.

Costs vary; public insurance covers basic fillings, while private insurance may cover more expensive materials. insure-Germany will help you find the best coverage to manage these costs.

Yes, especially for costly procedures. Dental insurance reduces out-of-pocket expenses and provides broader treatment options. insure-Germany ensures you get the best value.

Yes, public insurance covers basic procedures, while private insurance offers more comprehensive coverage. insure-Germany can help you understand and choose the right coverage.

Yes, but coverage for pre-existing conditions may be limited. Book a call to discuss your situation with me so I can help.

The cost of private dental insurance in Germany varies depending on the level of coverage, the insurance provider, and your individual needs. On average, you can expect to pay between €20 to €60 per month for standard plans. More comprehensive plans that cover advanced treatments like orthodontics or implants may cost more. To get an accurate estimate tailored to your specific requirements, it's best to book a call with me, so I can help you compare different insurance providers and plans.

Public insurance covers necessary treatments for children up to 18; private insurance may cover more, including adult treatments. insure-Germany can find the best plan for your needs.

Typically, you pay upfront and submit a claim for reimbursement. The process varies, so consult with insure-Germany for guidance on your specific plan.

Dental insurance is part of public or private health plans, covering various procedures with different reimbursement levels. If you have specific dental needs then you can get supplementary dental insurance, which is in addition to public health insurance. Your other option is to acquire a private health plan, which would include greater coverage of dental health services. insure-Germany can help you navigate and choose the best option.