Health cover, private liability, and protection for your ability to earn. Get those three right and most of the rest is optional. Get them wrong in your first weeks, in a hurry, in German, and you pay for it for decades.
Too little of what matters, too much of what does not.
Public or private, chosen once in your first weeks. The wrong call in a rush follows you for decades. We model both with your numbers before the choice locks in.
Often €1,200 / year overpaidPrivate liability covers the costly everyday accidents you would otherwise pay for yourself, and landlords ask for proof before you sign. It costs about as much as one dinner a year.
Around €30 to €60 / yearEverything else you own comes from your ability to work. Roughly one in four people cannot work until retirement age. Cover is cheapest and easiest to get while you are young and healthy.
Cheapest in your twentiesFigures are illustrative, for a typical international household.
Employed or self-employed, income, family, how long you stay. The free check covers it in two minutes.
Around 250 providers compared through the Tecis platform. What we recommend, what we do not, and why, on paper you can check.
Cover changes when life does: a raise, a child, a move abroad. We check in so it keeps fitting.
Free tools for this, no sign-up
It depends mainly on your income, age, health and family plans. Public (GKV) is the default and usually the best value. Private (PKV) can mean better cover and sometimes lower premiums while you are young, but it is a long-term commitment that is hard to reverse and premiums rise with age. We model both for your situation before you decide.
For most people in Germany, yes. It is inexpensive, covers the everyday accidents you would otherwise pay for yourself, and landlords frequently ask for proof before you sign a lease.
Most are optional, and some are a bad deal. Phone insurance, most travel add-ons and savings products sold as insurance are usually a no. Household and legal cover depend on your situation. We tell you which is which, and we tell you when the answer is nothing.
About two minutes of questions, then a personal report: what is sorted, what is quietly costing you money, and what to fix first.