Your Protection is my Mission: Expert Insurance Advice in English.
Navigating the German insurance jungle? I provide neutral, digital, and personal advice to expats across Germany.
Questions? Message me on WhatsApp or send an email – I usually reply within a few hours.
Why book your consultation with me?
Many expats worry about high costs for advice. But in Germany, insurance prices are regulated by law. This means you pay the same standard price, whether you buy alone or get my expert help. My consultation is already included in the price.
Market-standard premiums —
Expert guidance
included.
Registered Insurance Broker
Chamber of Commerce (IHK)
Neutral • Digital • Personal
Essential Insurance for Expats in Germany
Germany has a complex insurance system. We help you find the essential covers for your life and career.
Our Insurance Services for Expats in Germany
As an independent insurance broker, I am not bound to any corporation. I am your neutral partner and find the best offers on the market for you.
Health Insurance
We help you choose between public (GKV) and private (PKV). We find the best fit for your job and your future.
Private Insurance
Liability, Household, and Legal protection. Essential covers that make your life in Germany easier and safer.
Income Protection
Protect your income if you cannot work anymore. A must-have for all professionals working in Germany.
Pension & Retirement
Build wealth with modern, ETF-based pension plans. High-yield solutions for your long-term financial freedom.
Your Interests First: Why work with a Broker?
In Germany, there is a big difference between an insurance agent and a broker. It is important for your money and your safety.
On your side
As a broker, I work only for YOU. I represent your interests, not the insurance company's.
Whole market access
I scan hundreds of providers to find the plan that truly fits your life and budget.
Claims support
If something happens, I help you with the official claim to ensure everything starts correctly.
Direct contact
No anonymous call centers. You have my direct number and a partner who knows your history.
No extra costs
My advice is included. You pay the same price as buying directly from the insurer.
Long-term support
As your life changes, your protection grows with you. On request, I provide regular check-ups.
Your 15-Minute Roadmap
Click: Choose your slot
Select your preferred time directly in my calendar in just 30 seconds – 100% no obligation.
Check: 15-min Video Call
We clarify your goals, and I show you exactly where you stand – without any insurance jargon.
Done: You sit back
I perform the market analysis and prepare everything. You make the final decision at your own pace.
Your Insurance in your Pocket
No more thick folders and paper chaos. With the simplr app, you have everything under control – digital, transparent, and always at hand.
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All contracts in one place
Even the insurance policies you haven't (yet) concluded through me.
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Digital & Secure Documents
No more searching: policies, invoices, and updates are available immediately.
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Claim reports with a click
Take a photo, upload it, done. We take care of the rest for you.
"Finally some order in my finances – and Daniel as an expert just one click away."
Insurance without the headache – Neutral & digital
I am Daniel Hüsken, and I want you to feel well taken care of when it comes to your insurance – without having to spend hours reading the fine print. Thanks to modern online consultation, it doesn't matter if you are in Hamburg, Munich, or Berlin.
What makes me different? I bring over 20 years of technical knowledge and use it to bring light into the insurance darkness. I translate bureaucratic jargon into clear advice and find solutions that actually make sense for you.
As an independent broker, I am not a salesperson for an insurance company, but your neutral representative. I stand legally on your side and pick the best options from the market for you.
Even if my roots are in Westphalia: We can exchange ideas in a relaxed way via video call. This saves you time and allows us to look at the details together digitally.
Frequently Asked Questions
What is the difference between Public (GKV) and Private (PKV)?
Public insurance (GKV) cost depends on your income. Private insurance (PKV) depends on your age and health. PKV often offers better services and faster doctor appointments.
Can I switch to Private Health Insurance (PKV)?
Yes, if you earn more than €69,300 per year (as of 2024). Freelancers and students can usually choose PKV regardless of their income.
Why is Liability Insurance (Haftpflicht) so important?
In Germany, you must pay for any damage you cause to others. This insurance protects your money and is usually required by landlords when you rent an apartment.
What happens to my pension if I leave Germany?
If you leave after less than 5 years, you might get a refund of your contributions. If you stay longer, you will get a German pension later in life, even if you live abroad.
Why do experts recommend Income Protection (BU)?
The state gives very little money if you cannot work. This insurance protects your income and your standard of living.
Do you offer consultation and contracts in English?
I provide consultation in English to help you navigate the German system. While some insurers offer English documents, many traditional contracts are only in German. I will help you understand the most important points.
Ready for your Insurance Check?
Let's find out how we can optimize your protection. Contact me today for a free consultation. I look forward to meeting you!