Health insurance for diplomats and expats.
Living and working in Germany for a limited time calls for health insurance that fits an international life: accepted by the authorities, explained in plain language, and with service that still works after your next posting. I advise diplomats, embassy staff, posted professionals and their families, in English, German or Russian. Diese Seite gibt es auch auf Deutsch.
Why international cover is a discipline of its own
The German healthcare system is excellent, but hard to navigate from the outside: compulsory insurance rules and their exceptions, the proof of cover required for residence permits, and the difference between statutory, private and international plans. Add the question of what happens to your cover when your next posting is not in Germany. A policy designed for one country rarely fits a life that crosses borders.
International health insurance solutions are built for exactly this: worldwide validity depending on the plan, free choice of doctor, direct billing with hospitals abroad, English-speaking service around the clock, and cover that can move with you to your next country. Which solution fits your situation, and where its limits are, is what we clarify in a conversation, honestly and without jargon.
Who I advise
Diplomats and embassy staff
Cover that fits your special status and does not start from zero with every new posting. Discreet, in English, and with an understanding of how the diplomatic service works.
Posted professionals
Employees of international companies and organisations working in Germany for a few years, including the proof of cover German authorities expect.
Families
Partners and children covered too, from check-ups to giving birth abroad, depending on the chosen plan. One solution for the whole family instead of three separate policies.
Employers
Group solutions for embassies, international organisations and companies with posted staff, centrally administered and usable worldwide.
Four steps to your solution
Four steps, explained in your language. You know what we are working on at every point.
Specific plans, benefits and prices are discussed in a personal conversation. You will deliberately find no product advertising on this page.
First conversation
In English, German or Russian, in Berlin or online. We clarify your situation: length of stay, status, family.
Needs analysis
What your cover has to deliver: proof for the authorities, worldwide validity, planned next postings, budget.
Proposal
I present suitable international solutions, with an honest assessment of benefits and limits.
Set-up and ongoing support
Application, documents for the authorities, ongoing support, even when your next posting is not in Germany.
International health insurance is not an off-the-shelf product, it is a question of fit: your status, length of stay, family and next posting determine the solution. Those are the questions we settle first, in your language, before any plan is discussed.
New to Germany, changing postings, or responsible for international staff? Book a conversation
This content is general information and no substitute for individual advice. Benefits and areas of validity depend on the specific plan. Mikhail Iankovski works as a tied insurance agent pursuant to Section 34d (7) of the German Trade Regulation (GewO), acting exclusively for ERGO Beratung und Vertrieb AG. Full legal details (in German): Impressum.