TIME-SENSITIVE
When you need an answer this week, not next month.
Within 24 hours, you'll have a concrete next step — usually the same day. Independent PKV advice in English, no call-centre script.
Four situations we handle every week
Your visa appointment is coming up
The Ausländerbehörde needs proof of health insurance before they'll stamp your residence permit. We can get you covered in time, with the correct Nachweis document.
Your current insurer dropped you
Contract cancelled, premium hiked, or you've been asked to leave mid-year. A replacement PKV policy can be set up in days — we know the insurers that take you on fast.
GKV rejected your application
Above the JAEG, self-employed, or past the deadline — the public system isn't an option for you right now. We walk through which PKV tariffs actually fit, not which ones sell.
Your employer needs proof by Monday
HR onboarding with a tight deadline and no time for a three-week comparison. Send us your details today, get a concrete offer tomorrow.
What we guarantee within 24 hours
Reply within 24 hours
On weekdays, usually the same day. You'll know what's possible before you go to bed.
A concrete next step
Not a generic brochure. Either a specific tariff recommendation, or a clear reason why we can't help and who can.
Independent and in English
We compare 49 insurers — no preference, no commission kickback. The whole conversation happens in plain English.
Start the clock.
Pick whichever channel you prefer. WhatsApp is fastest — we usually reply in under an hour on weekdays.
The questions we get most
Can I really get insurance set up this week?
Often yes. If you're already eligible for PKV and your health situation is straightforward, we can have a signed contract in 3–5 working days. Some insurers issue provisional cover notes the same day we apply.
What do you need from me to start?
Your age, profession, gross income (if employed), visa status, and any pre-existing conditions or ongoing treatments. That's enough for a first round of filtering. The formal application comes later.
I've been rejected or cancelled before. Still possible?
Usually yes. Rejection by one insurer doesn't close the others — and there are specific tariffs built for harder cases. We'll know after the first conversation whether you have real options.
Is the first call free?
Yes. The 30-minute first call costs nothing, with no obligation to continue. We only earn a commission if you actually sign a contract through us — and we'll tell you up front if you're better off elsewhere.