You belong here, discover which insurance is right for you
I provide insurance consultation based on your needs. You may discover about all insurances in Germany.
Whether you ask for health insurance information, liability insurance or a personalized pension scheme, I’ll be happy to guide you.
If you already have insurances - I offer you an in-app service to have all your insurances in one app, even the ones you bought somewhere else.
You receive help in claim situation for all insurances showing in your app.
The best thing - All services are for free!
Feel free to explore what you might need
Essentials for singles:
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The private liability insurance in Germany covers damages you accidentally cause to others, protecting you from potentially high financial burdens. It’s crucial for everyone, as even small mishaps can lead to expensive claims, whether you’re a renter, homeowner, or just out and about. In a world full of surprises, having this safety net ensures you’re prepared for life’s unexpected turns, making it a smart and responsible choice for anyone.
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Produktbeschreibung
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Private pension insurance in Germany helps you build additional retirement savings to supplement the state pension, ensuring financial security in your later years. It’s important for anyone looking to maintain their lifestyle after retirement, especially as public pensions may not fully cover living expenses. This insurance provides a reliable way to plan ahead supported through the government with different tax-benefits in Germany, giving you peace of mind and a stable income for the future.
Add-ons:
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Dental supplemental insurance in Germany covers the costs of advanced treatments such as crowns, implants, or orthodontics, which are often only partially covered by public health insurance. It’s crucial for those who want to maintain high-quality dental care while avoiding significant out-of-pocket expenses. Having this insurance guarantees you’re prepared for any dental treatment you might need, ensuring both your health and your wallet are protected.
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Private health insurance in Germany offers comprehensive medical coverage, often providing faster access to treatments and a broader choice of doctors and specialists than public insurance. It is especially important for high earners, self-employed individuals, and civil servants who seek more personalized healthcare options. With this insurance, you secure top-tier medical services and the peace of mind that comes with knowing you’re fully covered in any health situation.
(Also you can save a ton of money, switching from public to private health insurance)
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Pet health insurance in Germany covers veterinary costs for treatments, surgeries, and medications when your pet falls ill or gets injured. It’s essential for pet owners who want to avoid unexpected high vet bills while ensuring their animals receive the best care. With this insurance, you can focus on your pet’s recovery without worrying about the financial burden of medical expenses.
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Home-Contents insurance or also known as household insurance in Germany protects your belongings from risks like theft, fire, or water damage, giving you peace of mind in your own home. It’s important for renters and homeowners alike, ensuring that everything from furniture to electronics is covered in case of unexpected events. In Germany having household insurance is the smart way to safeguard the things that make your house a home.
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Income protection insurance or also known as disability insurance in Germany protects your income if you can no longer work due to illness or injury, ensuring financial stability when life takes an unexpected turn. It’s vital for anyone who relies on their paycheck, from employees to self-employed professionals, as state support is often insufficient. In a life where health isn’t guaranteed, this insurance provides peace of mind, securing your lifestyle and future when you need it most.
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Children’s Savings Plan in Germany provides a long-term financial cushion, tax benefits, helping secure a child’s future by building savings for the first apartment, a car, the driving license or other major life expenses. It’s an important option for parents and grandparents who want to invest early and give their children a financial head start. In a world where early preparation is key, this insurance sets the foundation for a stable and prosperous future, long before they need it.
Children's Saving Plan starting from 25€ per month
(optional add-on additional health insurance for children to close the gap between public health-insured and private health-insured children)
Starting from 9€ per month
Important add-ons for families/couples:
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Produktbeschreibung
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Income protection insurance or also known as disability insurance in Germany protects your income if you can no longer work due to illness or injury, ensuring financial stability when life takes an unexpected turn. It’s vital for anyone who relies on their paycheck, from employees to self-employed professionals, as state support is often insufficient. In a life where health isn’t guaranteed, this insurance provides peace of mind, securing your lifestyle and future when you need it most.
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Children’s Savings Plan in Germany provides a long-term financial cushion, tax benefits, helping secure a child’s future by building savings for the first apartment, a car, the driving license or other major life expenses. It’s an important option for parents and grandparents who want to invest early and give their children a financial head start. In a world where early preparation is key, this insurance sets the foundation for a stable and prosperous future, long before they need it.
Children's Saving Plan starting from 25€ per month
(optional add-on additional health insurance for children to close the gap between public health-insured and private health-insured children)
Starting from 9€ per month
Insurance for Expats in Germany – Secure Your Free Consultation
Now, finding the right insurance in Germany doesn’t have to be a hassle. Whether it’s health insurance, liability coverage, or planning for your future with a pension plan, imagine having someone by your side who specializes in solutions just for expats like you.
Let’s take the guesswork out of the process. Reach out for a free consultation, and I’ll walk you step by step through everything—so you’ll have the right coverage in place, without the worry. Sound good?
How the optimal insurance consultation works:
In the course of the conversation, you will receive relevant information about the insurances in order to be able to assess whether they suit you and send you the desired offers by e-mail
The initial call begins with a data recording in order to accurately assess your situation and your wishes
In the second conversation we clarify all open questions and I show you how you can simply complete your desired insurance online.
Successful insurance concepts for you
Whether you are looking for an insurance concept for you privately, for your company or to protect your family - here you will be optimally advised.
Tailor-made insurance concepts for young families
Excellent insurance solutions for companies and start-ups
You are interested in a specific insurance topic: e.g. the best pension scheme
You’re in the spotlight:
Comprehensive and Tailored Insurance Solutions for Expats in Germany – Expert Guidance You Can Trust
Moving to Germany as an expat brings exciting opportunities but also unique challenges—especially when it comes to securing the right insurance. Whether you need health insurance, liability coverage, or are looking to plan for your future with pension insurance, understanding the local insurance landscape is essential. As a seasoned independent insurance broker for expats in Germany, I offer you personalized insurance solutions that provide comprehensive coverage without the stress. My goal is to make sure you’re fully protected and informed, no matter your circumstances.
Why Expats Need Specialized Insurance in Germany
Germany’s insurance system can be complex, especially for expats unfamiliar with local regulations. From the mandatory public or private health insurance to liability insurance and pension plans, understanding what coverage you need is crucial. I specialize in helping expats secure the best policies, ensuring you’re not only compliant with German law but also properly protected from unexpected risks.
Key Insurance Policies for Expats in Germany
1. Health Insurance for Expats in Germany (Krankenversicherung)
Whether you need public health insurance (gesetzliche Krankenversicherung) or a private health insurance plan (private Krankenversicherung), I will guide you through your options based on your income, employment, and residency status. Having the right health insurance for expats in Germany is essential for covering medical costs and meeting legal requirements.
2. Liability Insurance (Haftpflichtversicherung) for Expats
Personal liability insurance is a must-have in Germany, covering you in case you cause damage to someone’s property or harm to another person. I ensure that you get comprehensive liability insurance for expats, so you’re covered in everyday situations and won’t face financial burdens if accidents happen.
3. Home Contents Insurance (Hausratversicherung)
Your home is where you feel secure, and your belongings are valuable. Home contents insurance for expats protects your personal possessions from theft, fire, water damage, and other risks. I will help you find the most reliable household insurance to keep your property safe and secure.
4. Legal Insurance (Rechtsschutzversicherung) for Expats
Legal disputes can be overwhelming, especially in a foreign country. Legal insurance covers your legal fees, whether you’re dealing with housing, employment, or contractual issues. I offer legal insurance for expats that ensures you’re prepared for any legal challenges without having to worry about costs.
5. Pension Plans and Retirement Insurance for Expats
Planning for the future is key, and understanding the intricacies of pension insurance for expats in Germany can be complicated. I provide expert advice on the best expat pension plans, helping you build financial security for your retirement, whether you plan to stay in Germany or relocate later on.
6. Car Insurance (Kfz-Versicherung) for Expats
Owning a car in Germany requires mandatory car insurance, which covers third-party liability and can be extended to cover damages to your own vehicle. I offer comprehensive advice on car insurance for expats, ensuring you’re legally compliant and fully protected in case of accidents or damage.
7. Life Insurance for Expats
Protecting your family’s financial future is essential. I help you choose the best life insurance policy tailored to your long-term needs, whether it’s term life insurance or a more comprehensive plan. I ensure you have the right coverage to provide peace of mind for you and your loved ones.
Why Choose My Expat Insurance Services in Germany?
Independent Expat Insurance Broker: I work independently from insurance providers, which means my advice is 100% unbiased. I select the best insurance options from multiple providers based on your individual needs as an expat in Germany.
Tailored Insurance Solutions for Expats: I understand that every expat’s situation is different. Whether you’re here for work, studying, or relocating long-term, I provide customized insurance solutions designed specifically for you.
Comprehensive Coverage: From health to liability, car, and home insurance, I ensure you’re fully protected with the best expat insurance policies available in Germany.
Expert Guidance: With years of experience helping expats navigate the German insurance system, I make sure you understand every step of the process, from selecting a policy to making a claim.
Bilingual Support: I offer English-speaking insurance services to help expats understand their policies without any language barriers.
Tailored Insurance for Expats in Germany – Get Your Free Consultation Today
Securing the right insurance in Germany doesn’t have to be complicated. Whether you’re looking for health insurance, liability insurance, or a pension plan, I’m here to provide expat-specific insurance solutions that meet your needs. Contact me for a free consultation, and I’ll guide you through the entire process—ensuring you have the right coverage for your life in Germany.
You’re in the spotlight,
Exclusive coverage for executives and high-income individuals in Germany:
Premium Insurance Solutions for High-Income Expats in Germany
You’ve worked hard to reach this point, and now, as a high-income expat in Germany, you need insurance that matches your lifestyle and protects everything you’ve built. Whether it’s private health insurance, tailored liability insurance, or securing your future with tax-efficient pension plans, I’m here to provide bespoke insurance solutions that fit your needs—without the complexity.
Let’s be real:
You’re not looking for cookie-cutter coverage. You deserve exclusive insurance solutions that give you the flexibility, protection, and peace of mind to focus on what matters most. Imagine having access to premium health insurance that ensures you get the best medical care available in Germany, or having comprehensive liability insurance that shields your wealth from unexpected claims.
Now, think about this:
Your home, your car, your investments—they all represent your success, and they need to be protected with the right coverage. That’s why I specialize in luxury home insurance, high-value contents insurance, and car insurance for luxury vehicles, so that no matter what happens, your most valuable assets are safe.
Here’s how it works:
We start with a free consultation. I’ll take the time to understand your specific situation, because as a high-net-worth individual, your insurance needs are unique. From there, we’ll design a customized insurance plan that covers everything you care about—whether it’s securing executive health insurance, high-value car insurance, or choosing the right pension plan for expats to ensure your wealth grows tax-efficiently.
What can you expect?
Private health insurance for expats in Germany that gives you access to top-tier healthcare providers
Tailored liability insurance for high-income individuals, protecting your wealth from legal claims
Luxury home and property insurance to safeguard your real estate and valuable assets
Car insurance for luxury vehicles with coverage specifically for high-end cars
Pension plans for high-net-worth expats that are optimized for financial growth and tax efficiency
Comprehensive legal insurance that ensures you’re fully covered in any legal dispute
Here’s why this matters:
As a high-income expat, you’re not looking for just any insurance—you need a partner who understands your unique challenges and can provide bespoke solutions that fit your financial situation. I work with you to build a premium insurance strategy that gives you full protection without the unnecessary extras. It’s about giving you peace of mind, knowing your health, wealth, and assets are fully secured.
Now, here’s your next step:
Contact me today for your free consultation. We’ll design an insurance plan that gives you the exact coverage you need, tailored to your life in Germany. Whether it’s luxury home insurance, exclusive pension plans, or the best private health insurance, I’ve got you covered—so you can focus on enjoying your success without worry.
About me
Let me put myself in the spotlight:
Let me introduce myself.
I’m Oliver Rinc, and I specialize in insurance consulting for expats in Germany. With years of experience at leading insurtech companies like Policendirekt and Getsafe, as well as one of the biggest names in the industry, Allianz, I bring a deep understanding of both private and corporate insurance solutions. I know what it takes to provide comprehensive, reliable coverage, especially for expats trying to navigate Germany’s complex insurance landscape. And that’s what sets me apart.
Here’s the deal.
Whether you’re looking for the best health insurance for expats in Germany, the right liability coverage, or tailored corporate insurance solutions, I’ve got you covered. Based in Hamburg Hamm but originally from Kiel, I offer my services online to make the process as efficient and easy for you as possible. Because your time is valuable, and when you invest it in working with me, I make sure we’re getting straight to the point—finding the best insurance plan for your needs.
When it comes to customer satisfaction, I don’t just aim for excellence—I deliver it. My clients are my top priority, and I take great pride in providing personalized, top-tier insurance consulting that leaves no question unanswered. Whether you’re a solo expat needing health and liability insurance, or a business owner looking for corporate insurance, I bring a wealth of knowledge and experience to the table.
In a world where insurance options can feel overwhelming, I make it simple, clear, and effective. My goal is to ensure that you’re fully protected, whether it’s through private health insurance, home insurance, or the right business insurance policy. And I do it all with the professionalism and integrity that have defined my career.
So, if you’re an expat in Germany looking for expert insurance advice, or a business needing robust coverage, I’m the one to talk to. Let’s make sure you’re covered the right way, with insurance solutions tailored specifically for you.
Comprehensive and Tailored Insurance Solutions for Expats in Germany – Expert Guidance You Can Trust
Moving to Germany as an expat brings exciting opportunities but also unique challenges—especially when it comes to securing the right insurance. Whether you need health insurance, liability coverage, or are looking to plan for your future with pension insurance, understanding the local insurance landscape is essential. As a seasoned independent insurance broker for expats in Germany, I offer you personalized insurance solutions that provide comprehensive coverage without the stress. My goal is to make sure you’re fully protected and informed, no matter your circumstances.
Why Expats Need Specialized Insurance in Germany
Germany’s insurance system can be complex, especially for expats unfamiliar with local regulations. From the mandatory public or private health insurance to liability insurance and pension plans, understanding what coverage you need is crucial. I specialize in helping expats secure the best policies, ensuring you’re not only compliant with German law but also properly protected from unexpected risks.
Key Insurance Policies for Expats in Germany
1. Health Insurance for Expats in Germany (Krankenversicherung)
Whether you need public health insurance (gesetzliche Krankenversicherung) or a private health insurance plan (private Krankenversicherung), I will guide you through your options based on your income, employment, and residency status. Having the right health insurance for expats in Germany is essential for covering medical costs and meeting legal requirements.
2. Liability Insurance (Haftpflichtversicherung) for Expats
Personal liability insurance is a must-have in Germany, covering you in case you cause damage to someone’s property or harm to another person. I ensure that you get comprehensive liability insurance for expats, so you’re covered in everyday situations and won’t face financial burdens if accidents happen.
3. Home Contents Insurance (Hausratversicherung)
Your home is where you feel secure, and your belongings are valuable. Home contents insurance for expats protects your personal possessions from theft, fire, water damage, and other risks. I will help you find the most reliable household insurance to keep your property safe and secure.
4. Legal Insurance (Rechtsschutzversicherung) for Expats
Legal disputes can be overwhelming, especially in a foreign country. Legal insurance covers your legal fees, whether you’re dealing with housing, employment, or contractual issues. I offer legal insurance for expats that ensures you’re prepared for any legal challenges without having to worry about costs.
5. Pension Plans and Retirement Insurance for Expats
Planning for the future is key, and understanding the intricacies of pension insurance for expats in Germany can be complicated. I provide expert advice on the best expat pension plans, helping you build financial security for your retirement, whether you plan to stay in Germany or relocate later on.
6. Car Insurance (Kfz-Versicherung) for Expats
Owning a car in Germany requires mandatory car insurance, which covers third-party liability and can be extended to cover damages to your own vehicle. I offer comprehensive advice on car insurance for expats, ensuring you’re legally compliant and fully protected in case of accidents or damage.
7. Life Insurance for Expats
Protecting your family’s financial future is essential. I help you choose the best life insurance policy tailored to your long-term needs, whether it’s term life insurance or a more comprehensive plan. I ensure you have the right coverage to provide peace of mind for you and your loved ones.
Why Choose My Expat Insurance Services in Germany?
Independent Expat Insurance Broker: I work independently from insurance providers, which means my advice is 100% unbiased. I select the best insurance options from multiple providers based on your individual needs as an expat in Germany.
Tailored Insurance Solutions for Expats: I understand that every expat’s situation is different. Whether you’re here for work, studying, or relocating long-term, I provide customized insurance solutions designed specifically for you.
Comprehensive Coverage: From health to liability, car, and home insurance, I ensure you’re fully protected with the best expat insurance policies available in Germany.
Expert Guidance: With years of experience helping expats navigate the German insurance system, I make sure you understand every step of the process, from selecting a policy to making a claim.
Bilingual Support: I offer English-speaking insurance services to help expats understand their policies without any language barriers.
Tailored Insurance for Expats in Germany – Get Your Free Consultation Today
Securing the right insurance in Germany doesn’t have to be complicated. Whether you’re looking for health insurance, liability insurance, or a pension plan, I’m here to provide expat-specific insurance solutions that meet your needs. Contact me for a free consultation, and I’ll guide you through the entire process—ensuring you have the right coverage for your life in Germany.
Contact
oliver@rinc-versicherungen.de
Wendestr. 477,
20537 Hamburg
Deutschland