That depends heavily on your destination country, how long you plan to stay, and your status (student, freelancer, employee, retiree). In most cases, international health insurance is the foundation, and additional options like personal liability, accident cover, and retirement planning can make sense.

Public health insurance usually applies only within the EU or in countries with social security agreements. For longer stays abroad, private international health insurance is typically required.

Many policies lose their validity if you move abroad permanently (e.g., household contents or personal liability). I check with you which contracts still make sense and which should be adjusted or newly arranged, so your cover matches your life abroad.

I work completely online, so you can book a video consultation appointment. During our call, I clarify your personal situation, compare plans, and develop a tailored solution for you as Havel Spree Finanz - Your Insurance expert for expats.

The consultation is free of charge for you. My compensation is paid by the insurance companies as part of the brokerage arrangement.

You can reach me at any time via the claims form on the website or by email. I also provide you with emergency numbers from the insurance partners, available 24/7.