Insurance Coverage Check
Check if you have the right insurance coverage in Germany. Free insurance gap analysis for expats.
Your Situation
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Your Insurance Checklist
Mark which insurances you currently have
Health Insurance (Krankenversicherung)
EssentialMandatory in Germany. Covers medical treatment, hospital stays, and medications.
Personal Liability (Privathaftpflicht)
EssentialCovers damages you accidentally cause to others. One of the most important insurances in Germany.
Disability Insurance (Berufsunfähigkeit)
EssentialProtects your income if you become unable to work due to illness or injury.
Household Contents (Hausratversicherung)
RecommendedCovers your belongings against theft, fire, water damage, and other risks.
Legal Protection (Rechtsschutzversicherung)
RecommendedCovers legal costs for disputes with employers, landlords, or in traffic matters.
Life Insurance (Risikolebensversicherung)
OptionalProvides financial security for your dependents in case of your death.
Coverage Score
17%
Essential Gaps
2
Recommended Gaps
2
You're missing 2 essential insurances
Talk through your coverage with us, with no obligation
- Personal Liability (Privathaftpflicht)
- Disability Insurance (Berufsunfähigkeit)
Which Insurances Do Expats Need in Germany?
The German insurance system is comprehensive but often confusing for expats. Some insurances are mandatory (health insurance, car liability), others are highly recommended (private liability, disability insurance). Private liability insurance is practically essential in Germany, it costs just a few euros per month and protects you from potentially devastating damage claims.
Essential Insurances at a Glance
Health insurance is the foundation, as an employee earning below €73,800/year, you're enrolled in public health insurance (GKV). Above that, you can switch to private health insurance (PKV). Compare PKV and GKV in detail. Additionally, expats should get private liability insurance, disability insurance (Berufsunfähigkeit), and household contents insurance for valuable possessions. Calculate your net salary to know how much budget you have for insurance.
Frequently Asked Questions About Insurance
Do I need private liability insurance?
Absolutely. In Germany, you're liable without limit for damage you cause to others. A scratch on a parked car or water damage in a rental apartment can quickly cost thousands. Private liability insurance costs only €3-7/month.
What is disability insurance (Berufsunfähigkeit)?
Disability insurance (BU) pays a monthly pension if you can no longer work in your profession due to health reasons. Since the state disability pension is very low, consumer protection agencies recommend BU for every employee.
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Disclaimer: This tool provides general information for educational purposes only. No liability is assumed for the completeness or accuracy of the recommendations. Insurance needs vary based on individual circumstances, existing coverage, and personal risk tolerance. This does not constitute insurance, financial, or legal advice. For personalized insurance advice, please consult a qualified professional.