Jonas Marx

Eight years on one subject

Since 2018 the work has stayed on the same question, which is how people who did not grow up in Germany should be covered here. That is narrow on purpose. German health insurance has a small number of decisions that are difficult to reverse later, and most of them turn on details that only become visible after you have seen the same situation many times: how an insurer reads a diagnosis from four years ago, which threshold applies from which month, what happens to cover for a child born abroad. Nine hundred conversations is not a qualification in itself, but it is the reason the answers here are specific rather than general.

Why the advice is in English

Germany’s rules are written for people who grew up inside them, and expats are asked to decide early, often within their first weeks in the country, usually from summaries written by someone with one answer to sell. Advising in English is the practical response: the same regulated advice a German client would get, in the language the client actually thinks in.

What independent means here

A Versicherungsmakler is not tied to any single company. Brokers are paid by the insurer the client chooses, and German insurers charge the same premium whether a broker is involved or not. The advice therefore costs the client nothing, and it does not change depending on who pays for it.

What I do not do is promise a particular result. Whether private cover suits someone depends on facts that belong to them: their income, their health at entry, their family plans, and how long they expect to stay in Germany. The work is to set those out accurately, name the trade-offs in both directions, and let the decision follow from that.