Insurance & Pensions in Germany | Stay.

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Understanding mandatory and optional insurances

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Health insurance, whether public or private, is required by law in Germany and mandatory for everyone
Choosing between public and private health insurance depends on your job status and income — and it affects your costs, coverage, and access to care long-term
We help you understand mandatory and optional insurances so you can choose the right coverage for your needs

What people say about us

An invaluable resource for navigating Germany’s complex health insurance system. Anja Lampert was exceptionally helpful and incredibly patient.

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Darren S.Navigating German health insurance

I’m a freelancer and my case involved transitioning from expat insurance to full private health insurance. With Katharina’s help, the process was not only smooth but also stress-free.

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SonyaFreelancer

I have receive a very personalized attention since the beginning with a very high professionalism.

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J.Starting work in Germany

All meetings and communications took place in English, hence an expat with limited German language skills can understand the process and available products/portfolios.

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AnonymInternational speciallist

Professional, friendly and informative. Definitely recommend them especially if you're an expat like me and you have no idea about the insurance procedure in Germany. Will walk you through the process and provide feedback in fluent English.

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Vahid B.Newcomer to Germany

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Insurance in Germany

We guide you through public and private options based on your visa, income, and job type — to ensure you meet all legal requirements while optimizing your benefits.

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Pension evaluation

Secure your future with smart pension planning. Whether you're employed, freelancing, or self-employed, we help you understand how your German pension works.

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Immediate advisor help

Prefer not to wait? Get connected to a qualified advisor ASAP and move forward with confidence. Our team is available instantly to answer your questions.